KfW Bankengruppe

The KfW Bankengruppe is a German development bank organized as a public-law institution, 80% owned by the federal government and 20% by the federal states. Since its founding in 1948, it has pursued the goal, on behalf of the federal and state governments, of sustainably improving economic, social, and ecological living conditions domestically and worldwide. It does not operate a traditional branch network and finances its development activities through issuances on international capital markets. With a funding volume of EUR 112.8 billion in 2024, approximately 8,853 employees, and a network of around 80 locations, KfW provides comprehensive financing and advisory services for private individuals, small and medium-sized enterprises, municipalities, public institutions, as well as partners in developing and emerging countries.

"Bank out of responsibility" is the central guiding principle of the KfW Bankengruppe. Its societal commitment consists in taking action where market failures occur or impulses are needed. KfW is dedicated to promoting projects and programs that make a sustainable contribution to economic participation, climate protection, resource efficiency, and social development. In doing so, it acts subsidiarily and invests particularly in future-oriented topics to strengthen the resilience of the economy and society in the long term.

The target groups of KfW Bankengruppe include: private individuals who wish to purchase, renovate, or adapt residential properties for aging; students and trainees; small and medium-sized enterprises (SMEs), including start-ups and successors; municipalities and public institutions investing in infrastructure, climate protection, and digitalization; developing and emerging countries whose governments and private companies implement funding and investment projects for social and economic development; German and European exporters as well as project sponsors requiring international investment and export financing.