Who Owns Wuestenrot & Wuerttembergische Company?

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Who Owns Wuestenrot & Wuerttembergische?

Understanding the ownership of a major financial group like W&W is key to grasping its strategic direction. This German bancassurance provider, formed in 1999, combines home savings and insurance services.

W&W, a significant player in Germany's financial landscape, offers a broad range of products, from home savings plans to various insurance policies and investment solutions. For those interested in a deeper dive, a Wuestenrot & Wuerttembergische PESTEL Analysis can offer further insights into its operational environment.

As of December 31, 2024, the W&W Group reported substantial financial figures, including total assets of €72.3 billion and a net income of €36 million for the year. The company also maintained a workforce of approximately 7,565 employees by the end of 2024.

The current entity, Wüstenrot & Württembergische AG, was formed through a merger on January 1, 1999. Its origins trace back to two distinct entities: Wüstenrot Bausparkasse, established in 1921 as the 'Gemeinschaft der Freunde Wüstenrot (GdF),' and Württembergische Versicherung, founded much earlier in 1828. While specific details on the initial equity splits of these foundational organizations are not widely publicized due to their early mutual or cooperative structures, the modern company's ownership is anchored by a significant foundation.

Merger of Foundations

The significant merger creating Wüstenrot & Württembergische AG occurred on January 1, 1999. This event consolidated the operations of Wüstenrot and Württembergische.

Early Origins

Wüstenrot Bausparkasse began in 1921, making it Germany's oldest building society. Württembergische Versicherung has an even longer history, dating back to 1828.

Public Listing

Following the 1999 merger, Wüstenrot & Württembergische AG shares were listed on the Stuttgart and Frankfurt stock exchanges. This marked its transition to a publicly traded entity.

Anchor Shareholder

The Wüstenrot Foundation, officially the Wüstenrot Stiftung – Gemeinschaft der Freunde Deutscher Eigenheimverein e.V., plays a key role. It acts as a stable, long-term oriented anchor shareholder.

Foundation's Holdings

Through its wholly-owned holding companies, Wüstenrot Holding AG and WS Holding AG, the Wüstenrot Foundation indirectly controls a substantial majority of W&W AG's shares. This structure ensures continuity and reflects foundational principles.

Ownership Stability

This foundational ownership structure was established at the company's inception post-merger. It underscores a commitment to stability and social responsibility, maintaining a link to the original mutual ethos of Wüstenrot.

The ownership structure of Wüstenrot & Württembergische AG is significantly influenced by the Wüstenrot Foundation, which acts as a primary anchor shareholder. This foundation, through its dedicated holding companies, Wüstenrot Holding AG and WS Holding AG, holds a substantial majority of the company's shares. This arrangement was in place from the company's formation in 1999, reflecting a strategic decision to ensure long-term stability and a connection to the group's historical roots. Understanding this foundational ownership is key to grasping the overall Wüstenrot & Wuerttembergische ownership details and who owns Wuestenrot & Wuerttembergische. This structure also impacts the company's strategic direction and its approach to business, as detailed in the Revenue Streams & Business Model of Wuestenrot & Wuerttembergische.

Key Ownership Aspects

The Wüstenrot Foundation is the primary controlling entity, ensuring a stable ownership base for W&W AG. This structure was established at the time of the 1999 merger.

• The Wüstenrot Foundation indirectly holds a majority stake.
• This is achieved through two wholly-owned holding companies: Wüstenrot Holding AG and WS Holding AG.
• This ownership model was established at the company's inception in 1999.
• It reflects a commitment to long-term stability and the group's founding principles.

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Wüstenrot & Württembergische AG (W&W AG) became a publicly traded entity in September 1999, with its shares listed on both the Stuttgart and Frankfurt stock exchanges. This move marked a significant step in its ownership evolution, transitioning from a more privately held structure to one accessible to public investors.

The primary and most significant shareholder of W&W AG remains the Wüstenrot Foundation – Gemeinschaft der Freunde Deutscher Eigenheimverein e.V. (Wüstenrot Foundation). As of March 31, 2025, this foundation indirectly controls approximately 67.38% of W&W AG's shares through its wholly-owned holding companies, Wüstenrot Holding AG and WS Holding AG. This substantial stake provides the foundation with a controlling interest, underscoring its commitment to the company's long-term stability and its non-profit objectives across various sectors like monument preservation, science, research, education, art, and culture. The remaining portion, exceeding 20% as of the same date, constitutes the free float, held by a diverse array of institutional investors, mutual funds, index funds, and individual shareholders. While specific institutional holdings can fluctuate, major players like The Vanguard Group, Inc., BlackRock, Inc., and State Street Global Advisors, Inc. are typically among the significant non-controlling shareholders. The Wüstenrot Foundation's stable majority ownership significantly shapes the company's long-term strategy, prioritizing sustainable growth and customer focus, aligning with the principles outlined in their Mission, Vision & Core Values of Wuestenrot & Wuerttembergische.

Key Ownership Details

Understanding the ownership structure is crucial for assessing the company's strategic direction and stability.

• W&W AG has 93,749,720 shares issued as of December 31, 2024.
• The Wüstenrot Foundation is the controlling shareholder, holding over 67% of the shares.
• This structure emphasizes long-term stability and value-based business principles.
• The free float represents a significant portion, allowing for public market participation.

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The corporate governance of Wüstenrot & Württembergische AG operates under a two-tier board system. Jürgen Albert Junker is the Chief Executive Officer and Chairman of the Executive Board as of July 2025. The Supervisory Board, responsible for overseeing the Executive Board, has 12 members, with Dr. Michael Gutjahr serving as its chairman since September 1, 2022.

The voting power within W&W AG is structured around registered shares, with no evidence of dual-class shares or special voting rights that would deviate from proportional shareholding. The Wüstenrot Foundation holds a majority stake of approximately 67.38%, which grants it substantial indirect voting power on the Supervisory Board. This significant ownership stake by the Wüstenrot Foundation ensures stable governance and reduces the likelihood of external challenges to strategic decisions or board appointments. The Supervisory Board's effectiveness is further supported by its specialized committees, including the Personnel Committee and the Risk and Audit Committee, which contribute to a robust oversight framework. Understanding the ownership structure is key to grasping the company's strategic direction, much like understanding the Marketing Strategy of Wuestenrot & Wuerttembergische.

Supervisory Board Oversight

The Supervisory Board plays a crucial role in the company's governance structure. Its members are appointed with terms extending until the annual general meeting in 2029.

• Oversees the Executive Board's activities.
• Composition reflects shareholder, independent, and employee interests.
• Term of office for current members ends in 2029.
• Key decisions are influenced by the majority shareholder's voting power.

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Recent developments at Wüstenrot & Württembergische AG (W&W) indicate a stable ownership structure, primarily influenced by the Wüstenrot Foundation. This foundation's consistent majority stake provides a bedrock of stability for the company's long-term strategic direction in housing and insurance sectors.

In the period spanning 2022 to 2025, Wüstenrot & Württembergische AG has maintained its core bancassurance model, adapting to evolving market dynamics. The company reported positive consolidated earnings of €36 million for 2024, even with substantial claims from storm events. Furthermore, the HGB result for W&W AG saw an increase to €135 million, enabling the proposal of a stable dividend of €0.65 per share for the 2024 financial year, subject to approval at the Annual General Meeting on May 22, 2025. The number of issued shares remains consistent at 93,749,720, with no significant share buybacks or secondary offerings announced in recent reports. Matthias Bogk is set to assume the role of Chief Financial Officer of W&W AG on July 1, 2025, succeeding Alexander Mayer, which highlights internal succession planning within the W&W Group.

Leadership Transition

Matthias Bogk's appointment as CFO signifies internal succession planning. This change is effective July 1, 2025.

Financial Stability and Dividend Policy

The company reported €36 million in consolidated earnings for 2024. A proposed dividend of €0.65 per share reflects financial resilience.

Dominant Ownership Structure

The Wüstenrot Foundation remains the majority shareholder, ensuring stability. This ownership structure insulates the company from activist pressures.

Reporting and Transparency

The 2024 annual report was published on March 28, 2025. Interim reports are scheduled for August and November 2025, maintaining transparency for stakeholders.

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