About BAWAG Group

BAWAG Group at a glance

BAWAG Group AG is the listed holding company of BAWAG P.S.K., which is headquartered in Vienna, Austria, with the main brands and subsidiaries easybank, easyleasing and start:bausparkasse in Austria. In Germany, BAWAG Group operates under the Südwestbank, BFL Leasing GmbH, Health Coevo AG and start:bausparkasse brands and subsidiaries with Zahnärztekasse AG in Switzerland as well.

We apply a low risk, efficient, simple and transparent business model focused on Austria, Germany and developed markets. We serve retail, small business and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, factoring and insurance products and services through various online and offline channels.

Strategy

GROWING IN OUR CORE MARKETS
- Our foundation is Austria with focus on DACH region and developed markets
- Grow into current account market share entitlement of up to 20% in Austria across core retail products
Organic growth drivers ... Partnerships & platforms, enhancing digital engagement and growing share of wallet of 2.4 million customer base
Inorganic growth drivers … pursuing earnings-accretive M&A meeting our Group RoTCE targets >15%

FOCUS ON CUSTOMER CENTRICITY
- Build multi-channel and multi-brand franchise from branches-to-partners-to-brokers-to-platforms-to-digital products across the entire Retail & SME franchise
- Physical network focused on high-touch and high-quality advisory
- Leverage technology to simplify processes and reduce complexity
- Enhance analytical capabilities to improve customer experience
- New partnerships and lending platforms to provide 24/7 customer access

DRIVE EFFICIENCY THROUGH OPERATIONAL EXCELLENCE
- Our DNA is to focus on the things we control ...“Self-help” management
- Simplify, standardize, and automate products offerings across all channels
- Create frictionless processes ... wing-to-wing digitization focus across the Bank
- Continuously optimize our processes, footprint, and technology infrastructure
- Embrace various forms of technological change ... will transform banking

MAINTAINING A SAFE AND SECURE RISK PROFILE
- Maintaining strong capital position, stable retail deposits and low risk profile
- Focus on mature, developed and sustainable markets
- Applying conservative and disciplined underwriting in markets we understand
- Maintain fortress balance sheet
- Proactively manage and mitigate non-financial risk

Managing Board

		Anas Abuzaakouk Chairman of the Managing Board Chief Executive Officer CV

		Enver Sirucic Member of the Managing Board Chief Financial Officer Deputy Chief Executive Officer CV

		Sat Shah Member of the Managing Board Head of Retail & SME Deputy Chief Executive Officer CV

		David O'Leary Member of the Managing Board Chief Risk Officer CV

		Andrew Wise Member of the Managing Board Chief Investment Officer Head of Non-Retail Lending CV

Supervisory Board

Name			Function
Egbert FLEISCHER			Chairperson
Kim FENNEBRESQUE			Deputy Chairperson
Frederick HADDAD			Member
Adam ROSMARIN			Member
Ingrid STREIBEL-ZARFL			Delegated by the Works Council
Verena SPITZ			Delegated by the Works Council