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Funding


Funding Strategy


The cornerstone of BAWAG Group’s funding strategy continues to be our stable customer deposit base, mainly driven by our strong retail franchise. Traditionally, we have a national funding base for the single group members largely independent of the international markets.

We supplement our customer deposits with a diversified strategy of wholesale funding. BAWAG P.S.K. is the main issuing entity for senior secured and senior unsecured capital market issuances. Any funding activities that are executed for capital reasons will be done directly by BAWAG Group. The funding strategy is aimed at ensuring an optimal refinancing base that is as broad as possible. The issuance policy places emphasis on the strategic inclusion of international benchmarks and private placements.

BAWAG P.S.K. has two cover pools rated by Moody’s which are used to issue covered bonds.

Funding Programs


The information provided on this website neither constitutes an offer nor an invitation to buy securities issued by BAWAG P.S.K. and serves exclusively information purposes only.

The distribution of information contained on this website in certain jurisdictions may be restricted by law. None of the documents shown on this website constitutes an offer to sell or a solicitation to purchase securities in the United States or in any other country in which the information shown on the following website has not been authorized or to persons to whom this information must not be forwarded. All users of this website are requested to inform themselves about such restrictions and to comply with them.

In particular, the documents and information contained on this website may not be forwarded to the United States nor distributed within the United States and may not be distributed or disclosed to “US persons” (as defined in Regulation S of the US Securities Act of 1933 as amended (“Securities Act”)) or to general circulation publications in the United States.

Securities issued under the documents hereby provided will not be registered under the Securities Act and thus may subject to prior registration or certain exceptions not be sold, offered or delivered to US persons.


Debt Issuance Program Retail 2023

Debt Issuance Program Retail 2022