# Bank für Kirche und Diakonie eG - KD-Bank

Bank für Kirche und Diakonie eG - KD-Bank is a Bank / Wealth / Trust based in Dortmund, Germany.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Dortmund, Germany
- **Region:** Europe
- **Address:** Dortmund, Germany
- **Founded:** 1925
- **Assets under management:** Undisclosed
- **Website:** kd-bank.de
- **LinkedIn:** linkedin.com/company/bank-für-kirche-und-diakonie-kd-bank

## Regulatory record

- **Reports private funds:** No

## About

Founded in 1925, Bank für Kirche und Diakonie eG — commonly known as KD-Bank — was established to serve the banking needs of the Protestant Church and its affiliated social welfare organizations across Germany. Its cooperative structure means its owners and customers are the church entities and diaconal institutions that use its services, creating a closed-loop capital system with no external shareholder pressure for growth or margin expansion. KD-Bank's core deployment activity centers on financing church construction and renovation projects, healthcare facilities such as hospitals and retirement homes run by diaconal organizations, and social infrastructure including kindergartens, hospices, and affordable housing. Asset classes are concentrated in real estate lending, particularly for special-purpose properties, alongside select infrastructure and private credit exposures that align with the bank's ethical investment criteria. Geographic coverage is nationwide within Germany, with a particular density of borrowers in North Rhine-Westphalia, where the bank is headquartered. The bank's scale is modest by commercial standards but meaningful within its niche: it aggregates deposits from thousands of church congregations and welfare institutions and deploys them primarily as long-term mortgage-style loans. KD-Bank does not operate a private wealth management arm in the traditional sense, nor does it engage in proprietary trading or investment banking activities. Its relationship with the Evangelical Church in Germany provides a stable, non-cyclical deposit base tied to church tax receipts and institutional endowments. What structurally differentiates KD-Bank is its dual identity as both a regulated cooperative bank under German banking law and a mission-driven financial instrument of a major religious institution. The articles of association embed ethical screens that exclude financing for activities contrary to church teaching, making it one of the few German banks where loan decisions are subject to theological as well as credit review.

## Sectors

- Real Estate
- Infrastructure
- Private Credit

## Questions

### Who owns Bank für Kirche und Diakonie eG?

KD-Bank is structured as a registered cooperative (eG) under German law. Its members and owners are the institutions of the Protestant Church and its diaconal organizations that use the bank's services. There are no external private shareholders; governance is exercised by a supervisory board drawn from church and diaconal leadership.

### Does KD-Bank operate like a commercial bank with retail customers?

No. KD-Bank serves a closed membership of church congregations, diaconal institutions, and their employees. It does not offer retail banking services to the general public. Its deposit base comes from church tax receipts, institutional reserves, and accounts held by employees of member organizations.

### What investment criteria does the bank apply to its lending?

Lending at KD-Bank is governed by ethical guidelines approved by the cooperative's church-affiliated governance bodies. The bank does not finance activities involving weapons, gambling, or other sectors inconsistent with Protestant social teaching. Loan decisions incorporate both standard credit analysis and a compatibility review with the bank's mission.

### What is the geographic scope of KD-Bank's lending?

KD-Bank lends exclusively within Germany, with a concentration in North Rhine-Westphalia and regions with a high density of Protestant church institutions. It does not have international lending operations or foreign branches.

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Updated: 2026-06-03T20:00:00.000Z

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