
NRW.Bank is a reliable partner for financial institutions and companies in North Rhine-Westphalia, Germany.
It offers a range of financial solutions, including loans and guarantees.
NRW.Bank's financial solutions are designed to support the growth and development of the region's economy.
By providing access to capital and other financial resources, NRW.Bank helps businesses and institutions achieve their goals.
With a strong focus on innovation and sustainability, NRW.Bank's solutions cater to the needs of a diverse range of clients.
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About NRW.Bank
The NRW.Bank is a unique financial institution that operates in the public interest, supporting the development of Nordrhein-Westfalen. It's owned by the state of North Rhine-Westphalia and works to promote economic and social growth in the region.
The bank's mission is to transform Nordrhein-Westfalen into a climate-neutral and successful economy. To achieve this, it provides a range of financial instruments, including low-interest loans and equity financing, as well as advisory services.
The NRW.Bank works closely with other banks and savings banks in the region, as well as with the federal government and the European Union. This collaboration allows it to offer a broad spectrum of funding options to its customers.
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One of the bank's key areas of focus is supporting small and medium-sized enterprises, as well as freelancers and start-ups. The Universalkredit, a universal credit offered by the bank, can provide funding of up to €10 million, with loan terms ranging from 3 to 20 years.
The bank's services are divided into three main areas: "Wirtschaft" (Economy), "Wohnraum" (Housing), and "Infrastruktur/Kommunen" (Infrastructure/Communities). Sustainability is a core principle guiding the bank's activities.
Here are some of the specific services offered by the NRW.Bank:
- Information for existing customers
- Funding for homeowners
- Bürgerenergiefonds NRW (NRW Citizen Energy Fund)
- Financing for associations
- NRW.BANK.Studienbeitragsdarlehen (NRW.BANK Study Contribution Loan)
If you're interested in learning more about the NRW.Bank's services or would like personalized advice on public funding and financing options, the bank is happy to assist.
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Services
The NRW.BANK offers a range of services to support individuals and organizations in their financial needs.
You can receive individualized advice on public funding and financing options. The bank's team will be happy to support you in this process.
The NRW.BANK also provides relevant market data to help you understand the local and regional housing market. This includes data on the number of housing units, construction activity, population, employment, and social services.

Here are some key publications that the NRW.BANK offers, free of charge:
- Wohnungsmarktbericht: an annual report that provides detailed information on the current market situation and demand-supply development in North Rhine-Westphalia.
- Wohnungsmarktprofile: a profile for each of the 396 cities and municipalities in North Rhine-Westphalia, containing selected numbers on housing stock, construction activity, population, employment, and social services, as well as prices.
- Preisgebundener Wohnungsbestand: an annual report that collects information on the development of subsidized housing in North Rhine-Westphalia.
Produkte, Services, Leistungen
The NRW.BANK offers a range of products and services that cater to the specific needs of its customers. These include zinsgünstige Förderdarlehen (low-interest loans) and Eigenkapitalfinanzierungen (equity financing).
The NRW.BANK focuses on four main areas: sicherung und Verbesserung der mittelständischen Struktur der Wirtschaft (securing and improving the middle-class structure of the economy), staatliche soziale Wohnraumförderung (state-funded social housing support), bauliche Entwicklung der Städte und Gemeinden (urban and community development), and Infrastrukturmaßnahmen (infrastructure projects).
The NRW.BANK provides a variety of financing options, including the NRW.BANK Universalkredit (a universal loan) and the NRW/EU.Mikrodarlehen (a micro-loan). The NRW.BANK Universalkredit can have a volume of up to 10 million euros, with flexible repayment terms between 3 and 10 years.
The NRW.BANK also offers the NRW.Kreativkredit (a creative loan) for projects and orders, with a maximum volume of 25,000 euros. The financing ratio can be up to 70% of the order value or up to 100% of the project costs.

Here are some of the key services offered by the NRW.BANK:
- Sicherung und Verbesserung der mittelständischen Struktur der Wirtschaft
- Staatliche soziale Wohnraumförderung
- Bauliche Entwicklung der Städte und Gemeinden
- Infrastrukturmaßnahmen
- Umweltschutz-, Technologie- und Innovationsmaßnahmen
- Maßnahmen sozialer, kultureller und wissenschaftlicher Art
- Finanzierungsprojekte im Gemeinschaftsinteresse
The NRW.BANK also provides Beratungsangeboten (consulting services) and supports its customers in finding the right financing solution for their needs.
NRW Bank Green Bond Erfolgreich Platziert
The NRW Bank has successfully placed a Green Bond, securing 750 million euros for the refinancing of climate-friendly projects in North Rhine-Westphalia.
This achievement is a testament to the growing interest in sustainable investments and the NRW Bank's commitment to supporting environmentally friendly initiatives.
The first Green Bond of the NRW Bank in 2025 has once again sparked great interest on the capital market.
Inklusive Digitale Bildung
Inklusive digitale Bildung ist ein wichtiger Schritt in Richtung einer inklusiveren Gesellschaft. NRW.BANK unterstützt solche Projekte mit 40.000 Euro an acht inklusiven Projekten.
Die Bank hat auch ein Projekt in Dortmund unterstützt, das Expertentandems aus Menschen mit und ohne Behinderung schult. 5.000 Euro gingen an das PIKSL Labor Dortmund.
Diese Projekte helfen anderen Menschen, den Umgang mit digitalen Medien zu verbessern.
Kommunikation (Am Schlechtesten Bewertet)

The worst-rated factor of NRW.BANK is communication, scoring a low 4.0 points based on 52 reviews.
Communication is a crucial aspect of any service, and it seems NRW.BANK falls short in this area.
This is a significant issue, as effective communication is essential for building trust and understanding with customers.
The fact that NRW.BANK received a low rating in this area suggests that there may be room for improvement in how they interact with their customers.
Perhaps they could focus on implementing more transparent and efficient communication channels to better meet customer needs.
With a score of 4.0 points, it's clear that NRW.BANK has some work to do in terms of communication.
Investor Relations
NRW.Bank offers investors a unique opportunity to participate in environmentally and socially responsible projects through their bonds. This allows investors to create sustainable returns on their investments.
Investors can choose from a variety of projects that align with their values, making it easier to make informed investment decisions.
Career and Benefits

NRW.BANK offers a wide range of benefits to its employees, including flexible working hours, home office options, and a company restaurant with meal allowances.
The bank's modern buildings with good infrastructure and free coffee, tea, and water throughout the premises create a comfortable work environment.
Employees can bring their best performance when the work environment suits them, with a well-organized onboarding process, a people-oriented corporate culture, and opportunities for socializing through internal events and celebrations.
Some of the benefits and perks offered by NRW.BANK include:
- Flexible Arbeitszeit (flexible working hours)
- Home Office
- Betriebsrestaurant (company restaurant)
- Essenszulagen (meal allowances)
- Kostenloser/s Kaffee, Tee, Wasser (free coffee, tea, and water)
Arbeitsbedingungen (working conditions) are the most highly rated factor at NRW.BANK, with a score of 4.7 out of 5 based on 48 reviews.
Studienbeitragsdarlehen
The NRW.BANK.Studienbeitragsdarlehen is a loan program that was once available to students in North Rhine-Westphalia, Germany. It's no longer possible to apply for this loan due to the abolition of the study fee obligation in the winter semester 2011/2012.
Students who were already receiving this loan will continue to be supported by NRW.BANK. If you're looking for more information on the loan, you can find all the necessary documents on their website.
Here are some key facts about the NRW.BANK.Studienbeitragsdarlehen:
- It's no longer possible to apply for a new loan since the study fee obligation was abolished.
- Existing loan recipients will continue to receive support from NRW.BANK.
- All necessary documents can be found on the NRW.BANK website.
Karriere

If you're looking for a fulfilling career, NRW.BANK is definitely worth considering. They're a modern and social employer, offering a great work environment.
Their benefits package is impressive, with flexible working hours, home office options, and a variety of other perks. You can check out their open positions and see for yourself.
One of the things that sets NRW.BANK apart is their commitment to employee well-being. They offer a range of benefits, including a company restaurant, meal allowances, and childcare services during events. They also have a company doctor, coaching, and other wellness programs.
Here are some of the benefits you can expect:
- Flexible working hours
- Home office options
- Company restaurant
- Meal allowances
- Childcare services during events
- Company doctor
- Coaching
- Parking and job ticket
- Good public transportation
- Employee discounts
- Company car
- Company phone
- Employee participation
- Internal events
- Internet access
Their employees praise the company's modern buildings, good infrastructure, and excellent company restaurant. They also appreciate the organized onboarding process and the opportunity to work in a company with a strong employee-oriented culture.
Frequently Asked Questions
Who owns NRW bank?
NRW Bank is owned by the state of North Rhine–Westphalia, regional associations, and savings banks from the Rhineland and Westphalia-Lippe regions. Its ownership structure includes public and private entities from the local area.
What is the full form of NRW bank?
The full form of NRW bank is North Rhine-Westphalia bank. It is the promotional bank of the German state North Rhine-Westphalia.
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