to complement their strong professional commitment to sound financial intermediation for very small, small and medium-sized businesses and ordinary people by becoming co-owners of the ProCredit banks, and thus assuming the responsibilities which this entails. Today, most of the employees of ProCredit Holding, including the members of the management teams at almost all of the ProCredit banks, as well as roughly 950 staff members from across the group are partners in IPC Invest. In carrying out their duties on a day-to-day basis, they all help to ensure that their investment in ProCredit Holding produces the desired results, in terms of both its developmental impact and the financial return it generates.