• The image depicts a group of four young individuals gathered outdoors, likely on a university campus or park setting. They appear to be students, casually interacting with each other on a concrete stepped seating area. 

Details of the image:

1. **People and Activities**:
   - **Three individuals seated**: Two are sitting directly on the steps, and one person appears to be leaning on a skateboard.
   - **One person standing**: They are holding a phone or small device, possibly engaged in showing something to the others.
   - **Casual attire**: Clothing choice suggests a relaxed, informal atmosphere among friends. The person standing carries a backpack.

2. **Background and Environment**:
   - The area is surrounded by greenery, including trees and small plants.
   - Behind the group is a modern building with reflective glass windows.
   - The scene suggests a bright, possibly sunny day, indicated by the general clarity and brightness in the photo.

3. **Setting**:
   - Urban or campus environment suitable for student gatherings.
   - Likely a place meant for relaxation or social meetups, noting the design of the seating area.

Overall, the image conveys an atmosphere of friendship, leisure, and youthful interaction, commonly seen in educational or recreational outdoor spaces.
    The image depicts a group of four young individuals gathered outdoors, likely on a university campus or park setting. They appear to be students, casually interacting with each other on a concrete stepped seating area. 

Details of the image:

1. **People and Activities**:
   - **Three individuals seated**: Two are sitting directly on the steps, and one person appears to be leaning on a skateboard.
   - **One person standing**: They are holding a phone or small device, possibly engaged in showing something to the others.
   - **Casual attire**: Clothing choice suggests a relaxed, informal atmosphere among friends. The person standing carries a backpack.

2. **Background and Environment**:
   - The area is surrounded by greenery, including trees and small plants.
   - Behind the group is a modern building with reflective glass windows.
   - The scene suggests a bright, possibly sunny day, indicated by the general clarity and brightness in the photo.

3. **Setting**:
   - Urban or campus environment suitable for student gatherings.
   - Likely a place meant for relaxation or social meetups, noting the design of the seating area.

Overall, the image conveys an atmosphere of friendship, leisure, and youthful interaction, commonly seen in educational or recreational outdoor spaces.

    DZ BANK

    Sustainability

Our Engagements

DZ BANK fulfils its responsibilities to society and the general public in a variety of ways. The following page provides an insight into some of DZ BANK's activities.

DZ BANK Foundation

Shaping the future – investing in knowledge and talent

The structural change in the economy and on the financial markets requires a continuous transfer of knowledge from research into practical application, as well as the presentation of practical issues to the scientific community. The DZ BANK Foundation complements the corresponding commitment of DZ BANK in the field of cooperatives and banking by promoting the academic education and training of particularly talented young professionals.

WGZ BANK Foundation

The planned merger with DZ BANK Foundation took place on 31 December 2022. The two foundations with legal capacity are thus taking the same step under foundation law that the founders, DZ BANK AG and WGZ BANK AG, took with their merger in 2025. The merger of the foundations enables an even more effective, charitable commitment. 

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