Karl-Heinz StiegemannManaging Director of the IFM Institut für den Mittelstand

areas of expertise
  • Field of activities:

    • Strategic company financing
    • Optimisation of capital loans
    • Financing of projects, acquisitions, and growth
    • Export financing
    • European funding opportunities
    • Interest and currency hedging
  • Career:

    • Studies of law and national economics
      (no degree)
    • Apprenticeship as a bank clerk
    • Trainee at Commerzbank AG
    • Branch office manager Commerzbank AG (with focus on business with private customers)
    • Regional manager Commerzbank AG (with focus on corporate business)
    • Division manager Commerzbank AG (with focus on corporate business)
    • Division manager Stadtsparkasse Düsseldorf (with focus on corporate business)
    • Management board of Stadtsparkasse Düsseldorf (responsible for the areas of corporate business / real estate / holdings)

The unique features of the IFM Institute for SMEs

The IFM is a consortium of consultancy companies in Europe specializing exclusively in the interests of medium-sized companies. A similar grouping of consultancy companies in Europe can not be found again. The core competencies of our institute lie in a strong and reliable brand and a network of certified consultants, which advise small and medium-sized enterprises across Europe.

The former President of the European Investment Bank (EIB), Philippe Maystadt, expressed the welfare and growth of SMEs as “ the key to the future competitiveness of Europe

The health of the European middle class is crucial to the future statistics on the labor market situation. In recent years, small and medium-sized enterprises have created 80 per cent of new jobs in the Union . „

The almost 400 employees of the consulting companies affiliated to the IFM are highly networked, both technically and regionally, thus enabling the support of medium-sized companies in their activities across Europe. The IFM seal, which can only be used by the IFM experts, provides visible evidence of certification as a mid-level expert in the specialist area.


+49 (0) 30 2579 7909
Lützowstr. 61, D 10785 Berlin


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Karl-Heinz Stiegemann
Chairman, IFM Institut für den Mittelstand