Wüstenrot & Württembergische : Investor Presentation W&W-Group Q2 2025

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Wüstenrot & Württembergische AG Interim Report 2025 W&W Group 14 August 2025 Agenda W&W - Overview & Strategy Segment and Group Development H1 2025 Outlook Appendix Service and Central Functions Group-wide services around IT, investments, services and digitalization Our business areas are supported by strong partners across the group Segment Housing Everything around housing: home loan savings, financing, project planning, sales and brokerage # 2 Bausparen 1) Segment Insurance Service insurer in the life, health and property/casualty lines. Adam Riese: Direct and broker brand for private customers # 10 Lebens- versicherung 2) # 9 Schaden- & Unfallversicherung 2) 6.4 mn customers, 6.6 k employees, one common location in Kornwestheim: the W&W-Campus Notes: 1) Comparison of Annual Reports German Bausparkassen, Gross new business by home loan savings 2) GDV, Feb. 2024 Excellent client base with growth potential ∼ 6.4 mn Customers 1 On average three contracts per customer High client retention (low churn rate) Solvent customer base Increasing digital affinity Note: 1) as of June 2025 The W&W Group pursues a multi-channel sales approach Own sales channels Partnerships and cooperations Insurances 2,300 Tied agents Banks and financial distributors 3,000 Tied agents Direct channels Sales networks& Brokers Over 20,000 Broker Partnerships Comprehensive multi-channel distribution approach opens up access to 55 mn customers

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