# Wüstenrot & Württembergische Group Wüstenrot & Württembergische Group is an Insurance based in Kornwestheim, Germany. ## Overview - **Organization type:** Insurance - **Headquarters:** Kornwestheim, Germany - **Region:** Europe - **Address:** Kornwestheim, Baden-Württemberg, Germany - **Founded:** 1828 - **Assets under management:** Undisclosed - **Website:** ww-ag.com - **LinkedIn:** https://www.linkedin.com/company/wwgruppe ## Regulatory record - **Reports private funds:** No ## About Founded in 1828, Wüstenrot & Württembergische Group began as a building society and later merged with Württembergische insurance to form the combined entity now headquartered in Kornwestheim, Baden-Württemberg. Chairman of the Executive Board Jürgen Albert Junker leads the group's listed holding company, which oversees two core operating pillars: Wüstenrot Bausparkasse AG, one of Germany's largest private building societies, and the Württembergische insurance subsidiaries covering life, property, and casualty lines. Lutz Mario Helmig, a medical entrepreneur and investor, holds roughly 10.62% of the group's shares as a significant minority anchor. W&W deploys its insurance general-account assets across a mix of fixed-income securities, real estate, commodities, and residential mortgage loans — a portfolio profile shaped heavily by Solvency II regulatory requirements and German insurance accounting conventions. The group owns recognizable real assets including the W&W Campus in Kornwestheim and holds the Einstein Tower in Potsdam, a historic observatory, in its portfolio. On the lending side, Wüstenrot Bausparkasse originates building-society contracts and mortgage loans across Germany, creating a book of residential credit that the insurance arm can hold as a natural asset-liability match. The German insurance trade body GDV counts W&W among its members, as does the Association of Private Building Societies. The group operates with Dr. Michael Gutjahr as Chairman of the Supervisory Board and maintains a dual-board governance structure typical of large German stock corporations. Through Wüstenrot Stiftung, the group also runs a philanthropic foundation focused on preservation, science, and culture — owning and restoring notable architectural landmarks including the Umlauftank 2 in Berlin. Total consolidated assets, team headcount, and deployment figures are not publicly broken out in the English-language sources or aggregated databases reviewed. W&W's genuine structural moat lies in its rare combined license set: a building society and an insurance company operating under one listed parent, giving it a captive distribution network and a closed-loop funding cycle. When a German household signs a Bausparvertrag with Wüstenrot, the savings phase feeds predictable inflows into the group, and the eventual mortgage origination creates a long-duration asset that the Württembergische life insurer can book against its liability profile. That sourced credit differentiates W&W from pure-play insurers that must buy third-party mortgage exposure in the secondary market. ## Sectors - Insurance - Real Estate - Private Credit ## People - Jürgen Albert Junker — Chairman of the Executive Board (CEO) - Dr. Michael Gutjahr — Chairman of the Supervisory Board - Lutz Mario Helmig — Major Shareholder ## Questions ### How does W&W's building-society arm affect the group's asset allocation? Wüstenrot Bausparkasse originates residential mortgage loans and building-society contracts that generate a stable pool of German housing credit. This creates a structural advantage for the insurance side, which can hold those originated loans as long-duration, liability-matched assets rather than sourcing mortgage exposure from external markets, reducing intermediation cost and credit-approval layers. ### What real assets does the group hold beyond its financial portfolio? The group owns and occupies the W&W Campus in Kornwestheim and holds culturally significant properties through Wüstenrot Stiftung, including the Einstein Tower in Potsdam and the Umlauftank 2 in Berlin. The foundation's preservation mandate means these are held as long-term heritage assets rather than commercial real-estate plays. ### What is the role of the Wüstenrot Stiftung? Wüstenrot Stiftung is the group's independent philanthropic foundation, focused on monument preservation, science, arts, and culture. It owns and restores architecturally significant structures such as the Einstein Tower, operating at arm's length from the insurance and building-society businesses while reflecting the group's cooperative-era heritage and local-community roots. ### Who are the major shareholders with influence over the group's direction? Lutz Mario Helmig, a German physician and entrepreneur, holds approximately 10.62% of W&W AG shares and is the largest individual shareholder. The group's free-float and institutional-ownership structure is typical for a listed German insurance and financial conglomerate, with no single controlling family office behind it. ### How does the German regulatory environment shape W&W's investment posture? Solvency II governs the insurance subsidiaries' capital adequacy and risk-based asset allocation, favoring highly rated fixed-income instruments and long-duration assets that match life-insurance liabilities. The building-society arm is regulated under the Bausparkassengesetz, which restricts its lending to residential mortgage products and steers its treasury into conservative, liquidity-focused investments. ## Related profiles - [Wüstenrot Versicherung](https://altss.com/profile/w-stenrot-versicherung) - [W&W Group](https://altss.com/profile/w-w-group) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/w-stenrot-w-rttembergische-group Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology