BUSINESS ETHICS AND SOCIAL RESPONSIBILITY
  • Transparency and financial education to ensure that clients have a full understanding of their financial options and the risks involved.
  • Responsible lending through rigorous repayment capacity assessment, thereby preventing over-indebtedness.
  • Promoting sustainability through green financial solutions and initiatives that support the transition to an ecological and sustainable economy.

What defines us

  • Transparency

    We ensure that all clients fully understand the contracts they sign and promote financial education to prevent risks associated with non-transparent financial offers.

  • Culture of Open Communication

    We encourage an open, fair, and constructive dialogue among employees. Conflicts are addressed professionally, with a focus on finding solutions.

  • Social Responsibility and Tolerance

    We provide responsible financial advisory, carefully assessing our clients' repayment capacity to prevent over-indebtedness. We adhere to ethical business principles and do not finance harmful activities.

  • High Professional Standards

    Each employee takes responsibility for the quality of their work and strives for continuous professional development.

  • Integrity and Personal Commitment

    All employees must demonstrate full honesty; any deviation is treated with seriousness and promptness.

Corporate values play an essential role in defining our business ethics. The following fundamental principles lie at the core of ProCredit institutions' activity.

These principles are integrated into our daily activities through the implementation of best practices and strict measures to prevent the institution from being used for money laundering, terrorist financing, or other illegal activities. ProCredit banks do not tolerate fraud or suspicious behavior; staff are trained to apply the "Know Your Customer" principle and comply with current regulations through a rigorous process of monitoring and reporting.

Environmental Management at ProCredit Bank – focus on sustainability and ecology, based on three pillars

ProCredit Bank's approach to environmental sustainability highlights a constant commitment to harmonizing business objectives with ecological responsibility. Through well-defined actions, solid partnerships, and the active involvement of employees and the community, the bank supports a clear direction in protecting the environment.

  • We permanently analyze our internal environmental impact, with the clear objective of improving it through measures such as reducing water and electricity consumption.
  • Our internal environmental management system aims to closely monitor the consumption of resources, such as energy and water, while promoting a planned and sustained reduction of these. We also encourage ecological awareness among employees and collaborate with suppliers who respect sustainability principles.
  • Since 2017, ProCredit Bank has held the ISO 14001 certification – Environmental Management System, a public and official commitment to protecting the environment.
  • Environmental aspects are integrated into the professional training of ProCredit Bank employees, at local, regional, and international levels. Additionally, we run green initiatives dedicated to increasing awareness regarding environmental protection.
  • Over 45% of the bank's car fleet consists of electric vehicles.

We aim to minimize the potential negative impact that lending activities may generate on the environment, actively seeking collaboration with companies that contribute positively to environmental protection or that commit to improving their social and environmental performance. This commitment is reflected in rigorous assessment processes designed to ensure compatibility with our environmental objectives.

  • In our lending activity, we apply environmental risk management, which involves analyzing and monitoring economic operations from the perspective of potential environmental risks.
  • We integrate environmental criteria into the lending process to increase client awareness regarding the impact of their activities on the environment.

We support green investments across all operational fields, with a special focus on projects that contribute to improving energy efficiency and promoting energy from renewable sources.

Clients benefit from assistance in accessing financing for photovoltaic and wind initiatives, thus contributing to the transition toward a sustainable energy model.

ProCredit Bank is aware of the impact that financed projects can have on the environment and acts towards promoting sustainable economic development and the responsible use of natural resources. This approach has consolidated the bank's position as a reliable partner in financing projects dedicated to energy efficiency and environmental protection.

Starting in 2014, the bank developed its own methodology for analyzing, evaluating, and classifying financing intended for "green projects." This includes initiatives such as increasing energy efficiency, renewable energy production, and other measures with a positive environmental impact.

ProCredit Group is committed to maintaining high ethical and business standards regarding its economic, social, and environmental impact. For more details on the impact of ProCredit group's operations, please read the Impact Report.

Business ethics and environmental responsibility are essential pillars of our organizational culture. Through transparency, professionalism, and social commitment, ProCredit Bank promotes a sustainable business model, providing clients with secure and responsible financial solutions. We are dedicated to developing a sustainable economy by supporting green initiatives and applying the highest compliance standards. Thus, we strengthen the trust of our partners and actively contribute to a more prosperous and greener future.