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, along with easybank, easyleasing and start:bausparkasse. Südwestbank, BFL Leasing, Health Coevo and start:bausparkasse are located in Germany, with the Zahnärztekasse AG factoring business based in Switzerland.

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 compre h ensive 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 a focus on developed markets
- Focus markets … DACH region, Western Europe and the United States
- Grow into current account market share entitlement of up to 20% in Austria across core retail products
- Growth drivers … Partnerships & platforms, enhancing digital engagement, and pursuing
earnings-accretive M&A meeting our Group RoTCE target >15%

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

DRIVE EFFICIENCY THROUGH OPERATIONAL EXCELLENCE
- Our DNA is to focus on the things that we can control … “self-help” approach to banking
- Simplify, standardize, and automate online and offline product offerings
- 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 profiles
- 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 CV

		Stefan Barth Member of the Managing Board Chief Risk Officer CV

		David O'Leary Member of the Managing Board Head of Domestic Retail & SME CV

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

		Sat Shah Member of the Managing Board Head of International Retail & SME 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