Unsere Umweltkennzahlen

For many years now, ERGO has assumed responsibility for the environment. We actively support climate protection with our climate-neutral business operations.

A key component of our Group-wide environmental and climate protection strategy is the continuous reduction of our consumption of resources and the resulting CO2 emissions. In our reporting on our consumption of resources and CO2 emissions, we focus on the main direct impacts of our business operations on the environment and climate. These are the consumption of paper, energy and water, the waste we produce and the number of business trips made. The resulting CO2 emissions are measured and validated by external auditors for the entire Munich Re Group including ERGO (see Munich Re Corporate Responsibility Report 2019, p. 85). Since 2009, we have been able to reduce our Group-wide CO2 emissions by 48.3 percent per employee.

Carbon emissions (CO2)

2019 2018 2017 2009
(base year)
Total CO2 emissions1 t 58,205 62,510 68,495 131,216
Direct CO2 emissions – Scope 12 t 36,186 37,946 40,090 55,648
Indirect CO2 emissions – Scope 21, 3
t 14,557 16,803  19,852 62,869
Other indirect CO2 emissions – Scope 34 t 7,462 7,761 8,553 12,699
CO2 emissions per employee t 2.178 2.196 2.305 4.213
1 Electricity from regenerative sources is calculated in 2016 with zero emissions.
2 Direct emissions from primary energy consumption (natural gas, heating oil, emergency diesel power, fuel for company cars).
3 Indirect emissions from procured energy (electricity, district heating and district cooling).
4 Other indirect emissions (business trips, consumption of paper, water and waste).

Energy consumption

2019 2018 2017 2009
(base year)

Total direct energy consumption MWh 152,369 159,853 166,419 188,935
Natural gas MWh 50,955 56,236 60,242 146,993
Natural gas for thermal power plants
MWh 100,940 103,095 105,495 41,471
Fuel for emergency generator 
MWh 474 523 682 471
Indirect energy consumption MWh 113,472 123,228 145,855 204,325
Electricity purchased from outside the Company MWh 18,964 22,658 27,946 123,398
Green electricity purchased MWh 45,787 46,863 51,798 12,620
District cooling MWh 4,343 4,958 6,433 5,136
District heating MWh 44,379 48,749 59,678 63,171
Percentage of total electricity consumption from green electricity in % 70.71 67.41 64.96 9.28
Total CO2 emissions from energy2 MWh 45,446 49,210 53,599 101,257
CO2 emissions from energy per employee2 t 1.700 1.725 1.803 3.251
1 Electricity from renewable sources is calculated with zero emissions since 2016.


Paper consumption1

2019 2018 2017 2009
(base year)
Total paper consumption
t 590 7282 918 1,165
Paper consumption per employee
t 0.022 0.026 0.031 0.037
Share of recycled paper

%

53.9

49.4

48.5

53.9

Total CO2 emissions from paper t 697 859 1,083 1,397
CO2 emissions from paper per employee t 0.026 0.030 0.036 0.045
1 Printer and copy paper
2 Reduction of paper consumption, e.g. through digitalisation of processes

Water1

2019 2018 2017 2009
(base year)
Total water consumption m3 437,457 415,652 440,479 470,273
Water consumption per employee m3 16.37 14.57 14.82 15.10
Total CO2 emissions from water consumption t 308 292 310 348
CO2 emissions from water consumption per employee t 0.012 0.010 0.010 0.011
1 Our locations withdraw their water from the local (municipal) networks. Our waste water is discharged sanitary water.

Waste

2019 2018 2017 2009
(base year)
Total waste t 5,314 6,320  7,517 10,558
Waste by type and disposal method1
   
Recycled materials t 2,793 3,570 4,100 6,951
Incinerated waste            
t 933 1,371 1,850 1,741
Landfill waste t 274 2782 499 572
Specialist waste disposal for reuse/recovery            
t 4 1 2 146
Compost t 888 655 744 946
Other waste            
t 422 4453 322 202
Waste per employee t 0.199 0.222 0.253 0.339
Total CO2 emissions from waste t 1,680 1,957 2,035 1,853
CO2 emissions from waste per employee t 0.063 0.069 0.068 0.059
1 The type of waste disposal depends to a considerable degree on the respective infrastructure for waste disposal and local regulations. Wherever possible, waste and recyclable materials are separated, recycled and disposed of through regional service suppliers.
2
Due to changes in waste disposal in individual ERGO companies - partly due to changes in local regulations - the 2018 figure is not directly comparable with the 2017 figure.
3 Increase in waste resulting from renovation and refurbishment measures at our German sites.

Business trips

2019 2018 2017 2009
(base year)

Business trips
km 102,969,152 102,452,202 112,307,255 153,116,204
Air travel km 40,094,092 39,209,702 42,253,166 45,577,642
Road travel (company vehicles, hired cars)
km 48,167,780 49,706,634 55,714,250 90,195,858 
Rail travel1
km 14,707,280 13,535,866 14,339,838 17,343,704
Business trips per employee
km 3,853 3,592 3,779 4,916
Total CO2 emissions for business trips t 10,074 10,191 11,468 26,360
Total CO2 emissions for business trips per employee t 0.377 0.357 0.386 0.846
1 In Germany, long-distance rail travel with Deutsche Bahn has been climate-neutral since 1 July 2011 due to use of green electricity.

Notes on the environmental indicators:

In the financial year 2019, the ERGO Group had 26,728 employees (see also Employee indicators). The consumption of resources per employee refers to in-house staff and salaried field staff. Self-employed sales agents are not included in the environmental indicators.

To calculate the Group-wide carbon savings targets from 2009 to 2015 (target: -10 percent kg of CO2 per employee), we used the conversion factors of the Greenhouse Gas Protocol (GHG) and the Association for Environmental Management and Sustainability in Financial Institutions (VfU) – from 2011 in each case. Green electricity was not included in the accounting, thereby ensuring that the quantitative values remain comparable over the target period. In 2015, a new environmental and climate protection strategy was approved by the Board of Management and the carbon savings target was expanded. From 2009 to 2020, our goal is to achieve Group-wide carbon savings (kg of CO2 per employee) of 35 percent.

As of 2016, the Group’s carbon emissions will be calculated on the basis of the latest conversion factors of the GHG Protocol and the VfU. The GHG Protocol will be used for the conversion of Scope 1 emissions (direct energy), for electricity falling under Scope 2 emissions (indirect energy), and for the “short- and long-haul flights” components of the “business trips” element of Scope 3 emissions.

At the end of 2019, ERGO obtained 70.7 percent of its electricity from renewable sources (2018: 67:4 percent). This is calculated as an emission of zero. The VfU conversion factors are taken as the basis for calculating the Scope 2 emissions “district heating” and the Scope 3 emissions for paper, water and waste, as well as the “company vehicles, taxis, hire cars, train journeys” components of the “business trips” element.

As from the year 2017, environmental reporting includes the figures of the Munich Health companies. The international health insurance companies managed by Munich Health were transferred to ERGO International in 2017.

Carbon emission sources

  • Scope 1: Direct emissions from primary energy consumption (natural gas, heating oil, emergency diesel generators, fuel for company cars)
  • Scope 2: Indirect emissions from procured energy (purchase of electricity, district heating and district cooling)
  • Scope 3: Other indirect emissions (business trips, consumption of paper and water, waste)