ProCredit Holding,  having the same values and goals as ProCredit Bank, is a strong International financial institution. Fruitful cooperation between ProCredit Bank and ProCredit Holding, according to market terms and conditions leads to sustainable provision of professional bank services, at attractive terms and conditions, for our clients, providing significant contribution to long term economic development of BiH.

ProCredit Holding  holds 100% of shares in ProCredit Bank d.d. Sarajevo.


ProCredit Holding is the parent company of a global group of  ProCredit banks. ProCredit Holding was founded as Internationale Micro Investitionen AG (IMI) in 1998 by the pioneering development finance consultancy company IPC.

ProCredit Holding is committed to expanding access to financial services in developing countries and transition economies by building a group of banks that are the leading providers of fair, transparent financial services for very small, small and medium-sized businesses as well as the general population in their countries of operation. In addition to meeting the equity needs of its subsidiaries, ProCredit Holding guides the development of the ProCredit banks, provides their senior management, and supports the banks in all key areas of activity, including banking operations, human resources and risk management. It ensures that ProCredit corporate values, international best practice procedures and Basel II risk management principles are implemented group-wide in line with standards also set by the German supervisory authorities.

Zeitinger Invest is the leading shareholder and strategic investor in ProCredit Holding.The company emerged from Internationale Projekt Consult GmbH (IPC) in 2016, which is the single shareholder of IPC, and it is owned by members of the Zeitinger family, who believe strongly in the idea of Europe and its humanistic values.

ProCredit Holding is a public-private partnership. In addition to Zeitinger Invest and IPC Staff Invest (the investment vehicle of the staff of ProCredit Holding and ProCredit), the other private shareholders of ProCredit Holding include the Dutch DOEN Foundation, the US pension fund TIAA-CREF, the US Omidyar-Tufts Microfinance Fund and the Swiss investment fund responsAbility. The public shareholders of ProCredit Holding include KfW (the German promotional bank), IFC (the private sector arm of the World Bank), FMO (the Dutch development bank), BIO (the Belgian Investment Company for Developing Countries) and Proparco (the French Investment and Promotions company for Economic Cooperation).

The legal form of ProCredit Holding is a so-called KGaA (Kommanditgesellschaft auf Aktien, or in English a partnership limited by shares). This is a legal form not uncommonly used in Germany which can basically be regarded as a joint stock company in which the role of the management board is assumed by a General Partner, and in which the General Partner has consent rights over certain key shareholder decisions. In the case of ProCredit Holding, the General Partner is a small separate company which is owned by the core shareholders of ProCredit Holding AG & Co. KGaA: Zeitinger Invest, IPC Staff Invest, DOEN, KfW and IFC. The KGaA structure will allow ProCredit Holding to raise capital in the future without unduly diluting the influence of core shareholders in ensuring the group maintains dual goals: development impact and commercial success.

ProCredit Holding has an investment grade rating (BBB-) from Fitch Ratings Agency.

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