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KfW Bankengruppe, Germany      Member  KfW Bankengruppe is the promotional bank of the German state. It applies its expertise and strength to sustainably improve the economic, social and ecological conditions of people’s lives. Its main activities are: Promotion of small and medium-sized enterprises and business start-ups Programmes for the housing sector, environmental protection and education finance for retail customers Financing programmes for municipalities and regional promotional bank Export and project finance Promotion of developing and transition countries Asset securitisation Domestic Promotion Promoting the German economy is a central focus of KfW’s work. KfW finances the investments in the future made by German citizens and SMEs to ensure that the German economy remains strong, as well investments in municipal and social infrastructure to advance structural change and the social welfare. Start-up and SME financing is the business area with the highest lending volume. KfW enables small and medium-sized enterprises to invest in growing and strengthening their businesses. Special programmes are available to finance innovations by technology enterprises and for environmental protection, the use of renewable energies and enhancing energy efficiency in enterprises. As money alone is not enough to ensure the success of a business, enterprises in Germany may also benefit from information and advisory services. KfW also offers a variety of promotional products in the areas of home ownership, housing modernisation, energy conservation and efficiency, infrastructure finance as well as education. As a promotional bank, KfW places emphasis on environmental and climate protection. Export and Project Finance KfW IPEX-Bank is in charge of the International Project and Export Finance business area of KfW Bankengruppe. Since 2008 it is an independent subsidiary operating under commercial conditions. Its primary focus is on medium and long-term purpose-tied lending to support the export economy and develop economic and social infrastructure, as well as for projects designed to protect the environment and climate and to secure the supply of raw materials for Germany. KfW Development Finance KfW Entwicklungsbank and DEG support the creation of infrastructure, environmental and climate protection, and private sector initiative and investment as drivers of sustainable development. KfW Entwicklungsbank carries out Germany’s Financial Cooperation (FC) on behalf of the Federal Government. Its goal is to combat poverty, secure peace, protect the environment and the climate and make globalisation fair. It has 60 offices worldwide to support this mission. DEG – Deutsche Investitions und Entwicklungsgesellschaft mbH – promotes the development and expansion of private business structures. It advises and finances private enterprises that invest in developmentally sound, environmentally and socially sustainable projects. It does this by making long-term funds available to enterprises from its own resources. printversion