Brands & Channels

BAWAG Group is applying a multi-channel and multi-brand strategy focused on providing simple, straightforward and reliable financial products and services to our customers. Please find below an overview of the main operating subsidiaries of BAWAG Group AG:

BAWAG P.S.K. 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.

BAWAG P.S.K. BAWAG P.S.K. Wohnbaubank Aktiengesellschaft, a 100% subsidiary of BAWAG P.S.K. (Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft), is a specialist for financing residential building in Austria. Through long-term issued bonds ("Wohnbauanleihen"), the interrogated funds are mainly provided to non-profit housing developers - meanwhile to private customers as well - to develop, maintain and renovate housing space. The legal basis for housing banks is according to the "Federal Law on Special Tax Measures for the Promotion of Housing Construction", decided by the National Council in 1993.

Andy Wise easybank is the leading direct banking brand in Austria with the highest Net Promoter Score rankings nationally (Recommender Award). Our strength is founded in our share of primary relationships and daily banking products and allows us to understand our customers and deliver products and services across various channels. We leverage this competence centrally and achieve scale by unifying our resources and processes.

BAWAG P.S.K. easyleasing: Since October 2016, the entire portfolio of VB Leasing Finanzierungsgesellschaft m.b.H. and since July 2017, the portfolio of BAWAG P.S.K. Leasing GmbH, are offered by easyleasing GmbH. Both companies look back on a long history. The decades of experience compared with a comprehensive financing knowledge now puts easyleasing GmbH at the service of its customers.

start:bausparkasse start:bausparkasse is the fourth largest Austrian savings and loan association in Austria. We also have start:bausparkasse in Germany (formerly Deutscher Ring Bausparkasse) headquartered in Hamburg, which is a building society bank, active throughout Germany, that has been offering building society products and retail housing products since 1972.


Andy Wise Südwestbank is our channel based in Stuttgart and serves about 90,000 retail and business customers in Baden-Württemberg. It provides an individualized and needs-oriented range of products and a high level of advisory quality. The strong regional base and decades of experience make our channel Südwestbank one of the most important regional financial services provider in Germany.

Andy Wise Health Coevo AG is a provider of financial 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.


Quick Qlick is a young brand in the financial sector and has been part of the BAWAG Group since it was launched in 2018. As an online provider of installment loans, Qlick simplifies the application process for a loan with a purely digital application process. The goal of Qlick is to make requests quick and easy.


Andy Wise 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.

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.