ProCredit Holding AG (XTER:PCZ)

Q1 2025 ProCredit Holding AG Earnings Call Transcript

May 12, 2025 / 02:00 PM GMT

Release Date Price: €11.35 (+4.13%)

Transcript

Key Points

Positve

ProCredit Holding AG (XTER:PCZ) achieved the highest ever growth in loans and deposits in its history during the financial year 2024.
The company reported a solid return on equity of 9.5% despite challenges from lower interest rates.
Loan growth was strong at 2.5%, primarily driven by smaller volume segments such as micro, small, and private individuals.
The company has been promoted to the German SAX index for small caps, enhancing its visibility in capital markets.
ProCredit Holding AG (XTER:PCZ) is on track with its strategic growth and transformation strategy, with scaling effects expected to materialize soon.

Negative

The Ecuadorian subsidiary continues to underperform, negatively impacting the group's consolidated results.
Operating income decreased slightly due to a reduction in net interest income, affected by lower policy rates.
The cost-to-income ratio remains high at 70.8%, with scale benefits yet to be realized.
There is ongoing pressure on net interest margins due to high deposit rates in many markets.
Macroeconomic uncertainty, including potential impacts from US tariffs, poses risks to future performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PCZ.DE - ProCredit Holding AG
Q1 2025 ProCredit Holding AG Earnings Call
May 12, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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A warm welcome to everybody on this call on the quarter 1 results of 2025 for the pro-Cre group.

My name is Hubert Betenhauser. I'm the Chairman of the management board. As always, I'm joined by Christian de Grossa, our Chief Financial Officer.

We planned for some 30 minutes to cover today's call.

As always, the presentation is also available on our website.

We will of course give sufficient time for any questions you may have.

Let me also provide you with the usual warning to pay particular attention to the cautionary statements regarding forward-looking comments that you will find at the end of the results presentation.

We have the usual structure to today's call.

I

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