Better Health for All

The company's core business is financial services, including home loan and savings, life and property insurance, banking, and asset management.

These services are generally considered to have a neutral impact on health outcomes. While the company offers health insurance, the articles do not provide specific data on the direct health impact of these financial products or services. Similarly, as a financial services provider, the company's products do not have direct safety implications for physical or mental health. For all other KPIs, the provided articles explicitly state that the information is not applicable or no data is available regarding health-related metrics, preventing any assessment.

Fair Money & Economic Opportunity

The provided articles primarily focus on the company's financial performance, credit ratings, and general ESG commitments, such as investments in renewable energy and adherence to sustainability principles. However, they consistently lack specific, quantifiable data points for the KPIs related to Fair Money & Economic Opportunity. Multiple article summaries explicitly state that data concerning underserved client share, pricing fairness, exploitative fee exposure, inclusion initiatives, data accessibility, wealth-building outcomes, profit reinvestment, financial literacy initiatives, debt burden ratio, geographic inclusion, and product simplicity is not presented or is lacking.

While some articles mention the absence of regulatory actions or fines, this is an absence of negative findings rather than explicit evidence of proactive fair-lending practices or audits as required by the rubric for a positive score. Therefore, based on the strict rule to only use explicitly stated facts and to omit KPIs for which no concrete data is provided, no KPIs can be scored.

Fair Pay & Worker Respect

No quantitative data specific to Wüstenrot & Württembergische AG (WUW.XETRA) was found across the provided articles for any of the Fair Pay & Worker Respect KPIs.

The articles either explicitly state a lack of data for the company, provide general industry or OECD-level statistics not attributable to WUW.XETRA, or focus on policy discussions without company-specific metrics. Therefore, no KPIs can be scored.

Fair Trade & Ethical Sourcing

No specific, concrete data points were found in the provided articles for WUW.XETRA regarding fair trade and ethical sourcing KPIs. The articles either pertained to a different company (Schroders)

or focused on W&W Group's green bond framework and general sustainability reports without providing quantitative evidence for the specified metrics.

Honest & Fair Business

No relevant evidence was found in the provided article to assess WUW.XETRA against the 'Honest & Fair Business' ethical value.

The article explicitly states it does not contain data relevant to the company or this value.

Kind to Animals

Wüstenrot & Württembergische AG (W&W) is a financial services group, and its core business activities do not involve products requiring cruelty-free certification, animal testing, animal-derived ingredients, or animal agriculture.

Therefore, all KPIs related to these aspects are not applicable. While the company reports on environmental investments, such as €531 million in renewable energy and €1.5 billion in green/sustainable bonds, these are not explicitly linked to measurable biodiversity impact, species recovery, or habitat restoration metrics, which are specific requirements for the wildlife conservation KPI.

No War, No Weapons

The provided articles primarily focus on financial data for Wüstenrot & Württembergische AG and explicitly state the absence of information regarding the company's involvement in arms or defense contracts, dual-use technologies, sales to embargoed regimes, peacebuilding investments, conflict divestment policies, or any other metrics relevant to the 'No War, No Weapons' ethical value.

Therefore, no KPIs can be scored based on the available evidence.

Planet-Friendly Business

The provided articles do not contain specific quantitative data points for any of the Planet-Friendly Business KPIs. While some articles mention the company's ESG risk rating (26.9 Medium by Sustainalytics)

and its commitment to principles like the United Nations Principles for Sustainable Insurance and Principles for Responsible Investment, these are not concrete, measurable facts that can be mapped to the defined KPI thresholds. The articles explicitly state a lack of data for metrics such as total greenhouse gas emissions, renewable energy usage, water consumption, waste diversion rates, or climate-related financial disclosures. Therefore, all KPIs related to Planet-Friendly Business must be omitted due to a lack of explicit evidence.

Respect for Cultures & Communities

The provided articles do not contain any specific quantitative data or information regarding WUW.XETRA's performance on the 'Respect for Cultures & Communities' ethical value.

The annual report for Willerfunds explicitly states no relevant data is provided for any of the KPIs. A summary of WUW.XETRA's sustainability reports indicates that the linked URLs only describe report availability, not the reports themselves, and therefore no specific information or quantitative data could be extracted for the company on this value.

Safe & Smart Tech

The company explicitly states compliance with GDPR, the German Federal Data Protection Act (BDSG), and Luxembourg data protection law.

Users are granted standard data subject rights, including access, rectification, erasure, restriction of processing, data portability, and the right to object to processing. The company uses SSL with the highest encryption level supported by browsers for data transmission. However, data retention periods are stated to be up to 30 years for certain legal obligations and up to 10 years for contractual data, indicating lengthy retention practices.

Zero Waste & Sustainable Products

The provided articles do not contain specific, quantitative data points for any of the KPIs under the 'Zero Waste & Sustainable Products' value.

Information regarding waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability scores, waste audit frequency, zero-waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education is not explicitly stated with measurable figures. While the company offers insurance products with sustainable components and covers costs for sustainable renovations or repairs, this does not provide data for the company's own operational waste or product lifecycle metrics as defined by the rubric.