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ProCredit Bank
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ProCredit Group
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Mission Statement
ProCredit is a German development-oriented bank for Eastern and South Eastern Europe dedicated to supporting micro, small, and medium-sized enterprises (MSMEs) and private individuals, fostering economic growth and sustainable development.
We are committed to delivering exceptional customer service that extends far beyond offering financial products. Our goal is to build strong, lasting partnerships with our clients by providing personalised advice and consistent support at every stage of their financial journey.
Our core principles guide everything we do:
• We take the time to thoroughly understand our clients' unique circumstances, conducting sound financial analysis to promote their long-term financial stability.
• We prioritise transparency in all client interactions, ensuring clarity and trust in our financial services and products.
• We uphold responsible lending practices that promote financial inclusion while protecting clients from over-indebtedness.
• We focus on driving broad social, economic and environmental impact by engaging with our clients to promote sustainable practices and support their transition towards environmentally responsible operations.
We believe MSMEs are vital drivers of economic and social progress. By supporting them through their economic cycle, we aim to foster sustainable development and drive the green transformation in our countries of operation. By offering accessible deposit facilities, digital banking services, and a comprehensive range of financial products, we aim to cultivate a culture of saving and financial responsibility among all our clients, including private individuals.
Our shareholders seek sustainable, long-term returns, aligned with our unwavering commitment to ethical banking practices and positive social impact.
We invest extensively in the training and development of our staff to foster an open, professional, and efficient working environment. This enables us to deliver friendly, knowledgeable, and effective service to our clients.
Business Ethics
Our mission at ProCredit Group is to set new standards in the financial sector.
We aim to stand out not only by the quality of the services we provide but also by the high level of business ethics. Our core corporate values are the foundation of everything we do and guide us in every step.
Transparency
We provide clear and transparent information to our clients, the public, and employees. For example, we ensure that our clients fully understand the terms of the contracts they sign with us. We are also committed to financial education to raise awareness of the risks associated with unclear financial offers.
Culture of Open Communication
We foster open, fair, and constructive communication among employees. We resolve conflicts professionally, working together to find solutions.
Social Responsibility and Tolerance
We provide reliable and responsible advice to our clients. Before approving loans, we evaluate their financial situation to avoid over-indebtedness and offer the right services. We treat all clients and employees with respect, regardless of their origin, skin color, gender, language, or religion.
We also evaluate loan applications based on our ethical principles. We do not approve loans for those using unsafe or morally unacceptable practices, such as child exploitation.
High Professional Standards
Our employees take responsibility for the quality of their work and continually work on professional development.
Personal Integrity and Commitment
At all times, complete honesty is expected from all employees within the ProCredit Group, and any violation of this principle is addressed promptly and decisively. These principles form the basis of our corporate culture and are actively applied in our daily operations. They are outlined in our bank's Code of Conduct, which translates the principles of the ProCredit Group into practical guidelines for all our employees.
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Whistleblowing System
ProCredit Group is committed to maintaining high ethical standards in business, including responsible behavior toward the environment and the community.
Our goal is to encourage open communication based on ethical principles and create a work environment where honesty is the standard.
Additionally, we have an anonymous whistleblowing system to provide a safe way for everyone to express concerns. Employees, clients, and partners are responsible for reporting any illegal or unethical behavior.
If you have information about criminal activities, violations of internal policies, or applicable laws, feel free to contact us at: whistleblowing@procreditbank.ba
All reports will be thoroughly processed under the same standards.
