DZ BANK works in close partnership with SMEs through the local cooperative banks.

DZ BANK's joint lending policy supports and encourages the local cooperative banks' SME lending business by offering customized products and services that facilitate efficient and comprehensive marketing as well as the transfer of risk.

This includes incorporating subsidy schemes into corporate customer loans. DZ BANK has also started the agriculture/nature/energy initiative focusing on the expansion of financing for renewable energy projects.

DZ BANK adheres strictly to the principle of decentralization for SME financing. Responsibility for regional marketing therefore lies with the local cooperative banks.