MERKUR PRIV.BK.
MBK.XETRA | Other monetary intermediation
Merkur Privatbank KGaA, formerly Merkur Bank KGaA, is a Germany-based bank that provides a range of banking products and services to private and corporate customers. Its offerings include traditional banking services such as account management, payment transactions, and lending, as well as investmen...Show More
Better Health for All
0
No evidence available to assess MERKUR PRIV.BK on Better Health for All.
Fair Money & Economic Opportunity
0
The provided article does not contain specific, concrete data points for MBK.XETRA relevant to any of the KPIs under the Fair Money & Economic Opportunity value.
1
Metrics such as loans for small business and community development, no-cost checking accounts for unbanked customers, and participation in financial literacy initiatives are explicitly noted as 'Not specified for MBK.XETRA'.
2
Fair Pay & Worker Respect
0
No specific, concrete data points for MBK.XETRA were found across the provided articles to assess its performance against the Fair Pay & Worker Respect ethical value. While some articles discussed general collective bargaining in Germany and one provided data for MERKUR SLOTS UK LIMITED, this subsidiary-specific information could not be applied to MBK.XETRA as company-wide scope was not explicitly stated.
1
Fair Trade & Ethical Sourcing
0
The provided articles do not contain specific, quantitative evidence for any of the KPIs under the 'Fair Trade & Ethical Sourcing' value. While some articles mention general commitments to sustainability, ethical behavior, and supplier management, they lack concrete data points such as percentages of fair-trade certified spend, audit frequencies, numbers of labour incidents, traceability coverage, remediation speeds, or the percentage of supplier contracts with enforceable ethical clauses.
1
Therefore, no KPIs can be scored based on the available information.
Honest & Fair Business
0
No evidence available to assess MERKUR PRIV.BK on Honest & Fair Business.
Kind to Animals
-10
As a bank, Merkur Privatbank's core business does not involve animal testing or direct animal operations, leading to N/A scores for many KPIs. The bank's procurement policy requires organic and vegetarian food and drink.
1
Merkur provides loans for organic, biodynamic, and regenerative farming operations and sustainable fishing, and requires agricultural customers to draw up climate action plans.
2
However, Merkur's lending to agriculture accounts for 29% of its business lending and 86% of financed emissions, totaling 11,064 tonnes of CO2e in 2024.
3
The bank supports a tax considering CO2e emissions, biodiversity, and animal welfare, and publicly states that cheap meat is a luxury that should reflect its true cost to the climate.
4
Merkur is exploring the potential of plant-based production through 'the Plant Journey' project.
5
No War, No Weapons
0
No evidence available to assess MERKUR PRIV.BK on No War, No Weapons.
Planet-Friendly Business
-50
The company's total Scope 1, 2, and 3 greenhouse gas emissions, including financed emissions, were 13,858 tonnes of CO2e in 2024.
1
It joined the Science Based Targets initiative (SBTi) in 2022, with a net-zero target of 2035 and an interim target of a 75% reduction in net emissions from business customers by 2030.
2
The share of operational energy consumption sourced from renewables was 51% in 2024.
3
The Green Asset Ratio, representing capital expenditure aligned with the EU taxonomy, was 19% of total assets.
4
The company purchased Gold Standard carbon offsets and carbon credits from mangrove forest and rainforest projects.
5
It offers attractive loans for electric cars and no longer offers loans for fossil-based heating systems without a replacement plan.
6
The company purchased 14 hectares of degraded rainforest in Ecuador for biodiversity efforts.
7
It uses three climate scenarios to calculate expected losses and has a climate stress test showing low risk.
8
The company no longer offers loans to homeowners with fossil-based heating systems unless a plan is drawn up for replacing the heat source.
9
It involves local residents in a mangrove forest project, providing financial security.
10
The company's climate fund supports projects aimed at preventing and adapting to climate change.
11
Respect for Cultures & Communities
0
The provided articles, including an annual financial report, a general SDG transparency score, and a sustainability strategy overview for the MERKUR Group, do not contain specific, concrete data points relevant to any of the KPIs for 'Respect for Cultures & Communities'.
1
2
3
Therefore, no assessment can be made against these metrics.
Safe & Smart Tech
-60
Merkur ensures that it collects and processes only the data and personal information strictly necessary for the purposes for which it is provided.
1
Merkur (merkur.ca) states that personal information is retained only as long as necessary to fulfill the purposes for which it was collected.
2
However, Merkur Slots Ltd retains membership information and marketing preferences for 5 years, and information required by legislation for 10 years after the data subject's most recent visit.
3
The MERKUR GROUP monitors the legal conformity of all company activities, and its central data protection department was established in 2017.
4
Regular inspections and audits are conducted by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).
5
Despite this, Merkur and its partners failed to meet basic IT security obligations under German gambling law, including neglecting to conduct annual penetration tests, leading to a public reprimand from the German gambling regulator (GGL) for three suppliers.
6
A GraphQL API endpoint was left completely open with no login required, allowing any internet user to access sensitive information, which demonstrates a lack of authentication security and privacy by design.
7
This exposed over 800,000 players' records, including full names, government IDs, financial data, betting history, and over 70,000 KYC files, suggesting several unauthorized data use incidents.
8
Merkur (merkur.ca) states that encryption is one of the security measures implemented to protect personal information.
9
Zero Waste & Sustainable Products
0
No specific data related to waste diversion, 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 provided for MBK.XETRA.
1
Information regarding 'Merkur Cooperative Bank' or 'MERKUR GROUP' could not be attributed to MBK.XETRA (Merkur Privatbank KGaA).