Subsidised loans

The state’s readiness to act and the political will to support investments in sustainability are reflected in a variety of subsidised lending programmes for various purposes. The funds under these programmes are made available in the form of low-interest subsidised loans by state-owned funding bodies, such as KfW, and can be utilised to fund a very wide range of projects. Investments to modernise residential property, to improve energy efficiency in businesses - for example by modernising plant and equipment - or to expand the use of renewable energy can all be subsidised by means of low-interest loans. These subsidised loans are open to retail, commercial and municipal customers alike.

BayernLB works in close cooperation with the Bavarian savings banks to provide these customer groups with the optimal financing concepts through the inclusion of subsidised loans. Historically, BayernLB has successfully served this market by working jointly with the Bavarian savings banks, and as a result it has been able to expand its subsidised lending business for investments in environmental protection.

Now, due not least to its strategic focus on the environmental technology sector, BayernLB also intends to increase the amount of business it does alone in this attractive and important market segment. There is a clear need for these services among customers. As energy prices keep rising inexorably, investing in energy efficiency gains is becoming increasingly important for all companies. BayernLB provides advice and helps its customers to leverage potential savings by drawing on subsidised loans to finance the use of innovative and efficient technologies such as plants to use waste heat from cooling cycles. By offering low-interest financing for investment projects related to energy efficiency, BayernLB is seeking to contribute to the competitiveness of its customers.