ProCredit Bank (Bulgaria) EAD

ProCredit Bank (Bulgaria) EAD is a Sofia‑based commercial bank and wholly owned subsidiary of Germany’s ProCredit Holding AG & Co. KGaA, operating as a single‑shareholder joint‑stock company. The bank focuses on financing small and medium‑sized enterprises, agriculture, and professionals, while also providing services to private clients. It maintains a compact footprint of offices and 24/7 self‑service zones in major cities and prioritizes digital channels over cash counters. Core products include current and savings accounts in BGN and foreign currencies, domestic and international payments (including SEPA transfers in EUR), payment cards, term deposits, overdrafts, working‑capital and investment loans, agribusiness lending, project finance, and housing loans; it also offers financing for energy‑efficiency measures and renewable‑energy projects in line with the ProCredit Group environmental policy and sector exclusion list. Online and mobile banking with multi‑factor authentication support account management and payments, and card transactions use standard EMV/contactless technology. The bank is licensed and supervised by the Bulgarian National Bank and participates in the Bulgarian deposit guarantee scheme, which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per bank. It applies EU prudential and conduct requirements, publishes audited financial statements, and provides fees and interest conditions through a public tariff and general terms. The fixed exchange rate under Bulgaria’s currency board (BGN pegged to the euro) supports pricing transparency for EUR‑related services, and the group’s regional footprint facilitates cross‑border transactions for clients operating across Southeastern and Eastern Europe. Corporate governance, ownership, and disclosures, including ProCredit Holding’s listing on the Frankfurt Stock Exchange, are available in the bank’s and the group’s public reports.