BAWAG Group AG products, services and reviews

About BAWAG Group AG

BAWAG Group AG is an Austria-based banking group headquartered in Vienna and listed on the Vienna Stock Exchange (ISIN AT0000BAWAG2, ticker BG). The group is the listed holding company for BAWAG P.S.K. and brands including easybank, providing retail banking, SME lending, consumer finance, mortgages, payments, and basic investment and insurance brokerage in Austria and select Western European markets. The operating model is primarily deposit-funded, with earnings driven by net interest income from retail and SME books, complemented by fee and commission income and treasury/asset-liability management activities. Since its 2017 IPO, the group has pursued portfolio simplification and selective M&A in developed markets, exited or wound down non-core activities, and reduced its physical footprint in Austria after the end of a long-standing postal branch partnership, while prioritizing digital channels. It operates under the European Central Bank’s Single Supervisory Mechanism and is subject to Austrian and EU capital, liquidity, and resolution requirements; the group issues MREL-eligible instruments at holding level and maintains access to wholesale markets through senior and covered bond programs to supplement customer deposits. Disclosures indicate regulatory capital and liquidity buffers above minimum requirements, with a capital framework oriented toward returning excess capital via ordinary dividends and recurring share buybacks, subject to regulatory approvals and stress test outcomes. Key sensitivities for the business include interest-rate changes affecting deposit betas and asset yields, retail and SME credit conditions in core markets, competition from larger domestic banks and digital entrants, and evolving EU consumer and prudential regulation. Investors and customers should review the group’s periodic reports and presentations for current figures on capital, asset quality, funding mix, and guidance, and consider these alongside macro indicators for Austria and the euro area when assessing the outlook.