Subsidiaries & Partners

Please find here an overview of the main operating subsidiaries of BAWAG Group AG.


BAWAG P.S.K. is the main operating subsidiary of BAWAG Group AG and one of Austria’s largest, most profitable and best capitalized banks with a well-recognized national brand. The bank applies a low-risk, efficient, simple and transparent business model focused on Austria and other developed markets – with approximately two-thirds of its customer loans within Austria. BAWAG P.S.K. is run in a safe and secure manner with a solid balance sheet and capitalization as well as low leverage. Delivering simple, transparent and best-in-class products and services that meet its customers’ needs is its consistent strategy across all business units.

BFL Leasing

BFL Leasing GmbH, headquartered in Eschborn near Frankfurt, Germany, is a specialist financing provider that has been offering technology and equipment leasing products and services since 1973. Today, it has more than 140 partners and, with its sales partners and some 50,000 customers, is one of the leading IT financing specialists in Germany.

Health AG

EOS Health Honorarmanagement AG is a provider of financial and IT services for the health market. With more than 2,000 customers it is one of the market leaders in German dental factoring. Since its establishment in 2005, the company has evolved from a factoring start-up to an independent company providing financial and technology services. 


Südwestbank is a Stuttgart-based medium-sized regional bank and serves about 90,000 retail and business customers in Baden-Württemberg. The bank provides an individualized and needs-oriented range of products and a high level of advisory quality. Its strong regional base and decades of experience make Südwestbank one of the most important regional banks in Germany.


start:bausparkasse is the fourth largest Austrian savings and loan association in Austria.  

start:bausparkasse (Germany)

start:bausparkasse (formerly Deutscher Ring Bausparkasse) headquartered in Hamburg, is a building society bank, active throughout Germany, that has been offering building society products and retail housing products since 1972. 

Zahnärztekasse AG

Zahnärztekasse AG is a financial services provider in the health sector and with 1,000 customers has become the market leader in the Swiss dental factoring segment. Its customised and modular based services, combined with an efficient IT infrastructure, relieves medical practice teams of administrative tasks and secures the liquidity of its clients. Since its foundation in 1963 the company has become established as a reliable partner to Swiss dentists.