Through the Federal Funding for Efficient Buildings and Climate-friendly Construction promotional programmes, KfW supports the construction and refurbishment of energy-efficient residential buildings, thereby creating sustainable housing that combines climate protection with a high quality of life. Further promotional programmes support the construction of affordable housing and the acquisition of housing, which covers both new and existing buildings. In this way, we actively contribute to addressing the important need for housing. With promotional commitments totalling EUR 24.2 billion, we are making an important contribution to creating a future-proof living environment.

Technology, digitalisation and innovation are key factors for Germany’s competitiveness. KfW provided promotional funds of over EUR 3.2 billion just for loan commitments from the ERP digitalisation and innovation loan, mezzanine capital from the Venture Tech Growth Fund (VTGF) and global loans from the Regio Inno Growth (RIG) initiative.

KfW is once again leading the way in the expansion of renewable energies, with commitments amounting to EUR 9.2 billion under the Renewable Energy Standard programme. This support strengthens the transition to a climate-friendly energy supply and brings us closer to the fulfilment of climate goals.

For the promotion of innovative transport projects and sustainable mobility, commitments significantly exceeded all expectations and also the previous year’s figures: With 162 commitments amounting to over EUR 1.4 billion, KfW was able to make a major contribution to keeping climate goals in the spotlight and making significant progress in the important transport sector.

In mid-2025, the ERP promotional loan for digitalisation was combined with the beyond-banking KfW Digitalisation Check product for the first time. This product helps small- and medium-sized companies to identify their degree of digitalisation in key fields, using a questionnaire.

Companies receive a peer comparison and concrete recommendations for the next steps in their digitalisation process. This resulted in an integrated promotional approach that combines both financial and non-financial support and advances digitalisation on a holistic scale. Its effectiveness is reflected in the high number of completed checks.

The start-up platform, which was launched in 2018, is being advanced on an ongoing basis. In 2025, the service was personalised to offer users bespoke information about their start-up plans. AI-powered tools improve support. Over 100,000 business founders received support in 2025, over 13,000 of whom went on to establish a start-up. Since last year, the “Gründung” app for start-ups has consolidated the initial tax registration and business registration process – with businesses in Berlin benefiting from a fully digital and end-to-end process for the first time.