The materiality analysis conducted in 2024 enables SCHUFA to focus its resources on the issues that are most relevant to the Group and its stakeholders.

This analysis was conducted for the first time in accordance with the Corporate Sustainability Reporting Directive (CSRD) and the European Sustainability Reporting Standards (ESRS). The focus was on the principle of “double materiality”: On the one hand, the analysis examined how business activities impact people and the environment (“inside-out perspective” or “materiality of impacts”). On the other hand, SCHUFA analyzed which sustainability aspects are important for its economic success (“outside-in perspective” or “financial materiality”).

The results of this analysis are ten key sustainability topics that form the basis for our strategic direction and reporting.

For more information on the methodology and results of the dual materiality analysis, see Chapter 2 of our .