ProCredit Holding AG (XTER:PCZ)

Q1 2026 ProCredit Holding AG Earnings Call Transcript

May 13, 2026 / 02:00 PM GMT

Release Date Price: €7.99 (+0.88%)

Transcript

Key Points

Positve

ProCredit Holding AG (XTER:PCZ) reported a solid start to the year with loan growth continuing at a healthy pace, particularly in the micro and retail segments.
Operating income increased by approximately 5%, driven by a positive trajectory in net interest income.
The company experienced a 10% growth in its micro-enterprise client base, indicating strong client acquisition momentum.
ProCredit Holding AG (XTER:PCZ) maintained a solid capitalization level of 12.9% CET1, reflecting financial stability.
The company successfully launched a new mobile banking application in North Macedonia and Albania, enhancing its digital banking platform.

Negative

The cost-income ratio remained high at 71%, indicating room for improvement in operational efficiency.
Geopolitical uncertainties, particularly the war in Ukraine and tensions in the Middle East, pose significant risks to the region and could impact the company's operations.
Net fee income declined year-on-year due to the introduction of the euro in Bulgaria and SEPA payments, affecting foreign exchange transaction margins.
Loss allowances increased, particularly in Ukraine, due to emerging risks associated with attacks on energy infrastructure.
The anticipated impact of the euro introduction in Bulgaria and RWA efficiency measures limited more pronounced income growth.

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

PCZ.DE - ProCredit Holding AG
Q1 2026 ProCredit Holding AG Earnings Call
May 13, 2026 / 02:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good afternoon from Frankfurt, and welcome to our call to discuss Procrate Group's results for the first quarter 2026.

My name is Eliola Bivoli. I am the Chairperson of the Management Board of Procrate Holdings, and I'm joined today by Christian Da Grossa, our Chief Financial Officer.

The slide deck accompanying this presentation is available on our website, and a recording of this call will be made available in the coming days.

Before we begin, let me draw your attention to the customary disclaimer regarding forward-looking statements, which is included at the end of the presentation.

We expect today's earnings call to last approximately 30 minutes.

Following our presentation, we will,

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.