ProCredit Bank is committed to a clear strategy for sustainable development, integrated into every part of our business and supported by all our employees. This approach reflects our dedication to creating a lasting value for society, the environment and our clients.
We proudly share the milestones that demonstrate our progress and the impact of our efforts. As a pioneer in applying sustainability and inclusive practices, we continue to exchange knowledge and experiences, helping to create a more responsible and forward-thinking financial sector.
Environmental
These are the key moments that made our success possible.
2009
- We introduced the 'ECO' LOAN, pioneering sustainable financing solutions.
2010-11
- First specialized training in the field of environmental issues and awareness.
- Development of Environmental Management Unit, Environmental management system and Environmental committee.
2013
- Developing science-based criteria for green loans.
Green Investment Loan is our way of supporting sustainable investments of small and medium-sized enterprises to create environmentally friendly and socially responsible businesses.
Eligible projects:
1. Energy efficiency
Reducing energy consumption while maintaining or increasing production levels. Based on calculations of machine productivity, we look for at least 20% higher efficiency compared to the machine being replaced in the company, or 20% more efficient compared to alternative new models available for sale in the country.
Such projects may include:
- Solar photovoltaic panels or solar collectors for hot water.
- Heating, ventilation, and cooling systems. Boilers and heating appliances, air conditioners, refrigeration and freezing chambers, centralized ventilation systems.
- Building management systems, lighting, automation.
- Improvements in thermal insulation or windows of buildings – new windows, new or additional thermal insulation.
- Transport or agricultural machinery – tractors, combine harvesters, drip irrigation systems, sprayers, etc.
- Electric vehicles and infrastructure for their charging.
2. Renewable energy
For the production and/or use of energy resources that are inexhaustible or can be replenished quickly.
Examples of such investments include:
- Solar photovoltaic panels or solar collectors for hot water.
- Solutions to use geothermal energy for heating and cooling.
- Systems for generating energy from biomass and biogas.
- Hydroelectric power stations or wind turbines, after conducting an Environmental Impact Assessment (EIA) according to the Bank's criteria.
3. Measures with a positive impact on the environment:
They have a direct positive effect on nature and resource preservation.
Such activities and investments may include:
- Recycling and waste management (excluding landfills) – working capital for businesses engaged in such activities or investment loans for purchasing machinery for this purpose.
- Treatment facilities – filters, water purification systems, etc.
- Organic production – the measure may include working capital financing, certification costs, and expenses for new equipment to change the soil cultivation method.
- Afforestation, reclamation of disturbed lands, and other similar activities.
- Investments and activities clearly related to the circular economy, where 100% of the resources used are already recycled.
- Suppliers, auditors, and others related to providing services in this area can be financed with working capital.
2015
- We created a system to collect, assess and disclose internal emissions.
2017
- All our business units certified under ISO 14001.
2018
- We invested in distributed PV-s in the rooftop of our Head office and started promoting investments in rooftop PVs as a sustainable way of energy consumption to our business clients.
- We set the target to achieve carbon neutrality in our own operations on the group level and a 20% green portfolio by the end of 2023.
2021
- 100% of our car fleet was ecologic (electric and plug-in hybrid).
2022
- We achieved our target of allocating 20% of total loan portfolio to support green investments in Albania and on the group level. We have set the next mid-to-long-term targets to 25%.
2023
- On the group level we calculated and reported our portfolio emissions following the Partnership for Carbon Accounting Financials (PCAF) standard. Our first Impact Report was published locally.
2025
- We launched a new digital tool, the COâ‚‚ Calculator designed to help clients assess and understand their carbon footprint, helping them to make more informed and environmentally responsible decisions.
Mirsad Haliti, Chief Executive Officer of ProCredit Bank Albania:
“Our approach is grounded in responsible banking, ensuring positive outcomes for our customers, communities, and the environment. We view sustainability not as a preference, but as an essential commitment to our shared future.”
