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"Anlegen statt stilllegen"

“Anlegen statt stilllegen” – this was the title of the information campaign launched by the Deka Group in 2015 on the issue of investing in securities. Given that interest rates remain persistently very low, we firmly believe that the returns needed in order to build up assets and provide for retirement can only be achieved using securities. People on medium or low incomes also need to organise their investments with this in mind – indeed, doing so is particularly important for such people. It is also important to consider risk and find the right blend of income and stability. At the same time, neither of these things is possible without a sensible level of diversification of the investments and sound, customer-focused advice.
As the Wertpapierhaus for the savings banks, this is something we are fully committed to providing. We therefore see it as our duty to cultivate a securities culture in Germany that is even more closely aligned with the interests of the individual investor and society as a whole, and hence sustainable in the best sense of the word. For us, this also means helping to make sustainable investing possible with our banking products and services.
We put this goal into practice in our business every day, as evidenced by the fact that we have implemented a sustainability filter for our proprietary investments of more than €15bn (as at 31 December 2015) that prevents us from investing in questionable business models. Since 2013 we have altered our lending process so that all the financing we grant is checked in advance to ensure that it meets our sustainability criteria. Our services are audited by national and international rating agencies specialising in sustainability, and have been awarded high ratings.
We were especially pleased to note that Deka received a very good AA rating in its very first evaluation by MSCI, a global provider of sustainability analyses and environmental, social and governance (ESG) ratings. For us, operating sustainably means keeping in mind the interests of all relevant stakeholders when making decisions. In 2015, therefore, we also opened a formal process of dialogue with our major stakeholders, during which we asked them what topics were especially important to them. This dialogue formed part of a materiality study that we launched in partnership with the Savings Banks Association Baden-Wuerttemberg. The study was carried out by consulting firm imug in the final quarter of the financial year. As well as the Savings Banks Association Baden-Wuerttemberg, the survey was also supported by the Rhineland Savings Banks and Giro Association, the Savings Banks Association Westphalia-Lippe, the Kreissparkasse Köln (Cologne District Savings Bank) and the Hannover Savings Bank. The results of the survey form the basis for the future development of our sustainability activities and allow us to organise our reporting in this area accordingly. Our stakeholders expressed a particular desire to see more information on sustainable corporate governance and sustainable products in our reporting. We are happy to accommodate their wishes in our sustainability report.

Stakeholder dialogue materiality matrix

Sustainability ratings

Independent rating agencies confirm the implementation of sustainability programmes at DekaBank

MSCI rating
oekom rating
imug rating
Sustainalytics rating

More about the sustainability ratings

Sustainability report

In the 2015 sustainability report we present our efforts to promote a business approach that adds value as we develop the company further, addresses the needs of our end customers and society as a whole, and preserves our natural environment.
The report also details the progress we have made in implementing the ten inter-nationally recognised principles to which we are committed under the UN Global Compact, in the areas of human rights, labour standards, environmental protection and anti-corruption. The report is based on the Global Reporting Initiative (GRI) guidelines and uses the G4 format for the first time, including the financial services sector supplement.

Click here for the latest Sustainability report

Focus on Sustainability