Sustainability | BAWAG Group

MAINTAIN A FINANCIALLY RESILIENT AND SUSTAINABLE FRANCHISE

We have built a highly profitable business model that enables us to support our stakeholders through all economic cycles. Our overarching goal is to maintain a financially resilient and sustainable franchise. For us, sustainability is not a separate pillar – it is embedded in how we operate, shape our risk appetite, and take decisions. The initiatives we undertake therefore reflect our values and identity of BAWAG Group, growing with…

OUR
TEAM

Our true strength and a fundamental driver of BAWAG Group’s success lies in our employees and our unique corporate culture.

OUR
CUSTOMER

Our investments in technology enable us to deliver broad-based digital banking solutions, complemented by a strong advisory-focused branch network. With that, we promote financial inclusion by making banking accessible and affordable for everyone.

OUR
COMMUNITIES

We believe our greatest contribution lies in promoting financial literacy and supporting initiatives that provide opportunities for underprivileged communities and women empowerment.

OUR
RESPONSIBILITY

We are committed to sustainability by reducing our impact on climate and nature and embedding related risks into our risk management framework. Despite our low exposure to high-emission sectors, we have set decarbonization targets for our largest portfolios.

Learn more about our progress of managing sustainability topics:

Sustainability reports

GIVING BACK TO OUR COMMUNITIES

Alongside managing sustainability matters that are integral to our business model, BAWAG actively supports the communities in the countries where we operate. Our engagement is driven by our purpose as a financial institution, the diversity we embody as a team and through our clients, and our commitment to support those who may need support in special situations.

FINANCIAL EDUCATION

BAWAG Group is committed to empowering individuals and communities through financial education. As financial institution, we want to contribute to financial literacy, helping people make informed decisions, and preventing financial vulnerability.

We place a strong emphasis on programs for children and youth, fostering early awareness of responsible financial habits. By partnering with organizations such as KinderUni, we aim to reflect our belief that education is key to building financial resilience and promoting inclusive growth, creating long-term social value.

More Information can be found here.

SUPPORTING UNDERPRIVILEDGED COMMUNITIES

BAWAG Group is committed to supporting and creating opportunities for underprivileged communities. Through targeted investments in social initiatives, volunteerism, and partnerships with NGOs, we provide support that goes beyond financial aid—addressing essential needs such as food security.

Our employees actively participate in initiatives like staff-led soup kitchens in collaboration with Samariterbund Vienna, where thousands of meals are served annually to people in need. These efforts are complemented by strategic donations and long-standing programs, aiming to build safe, inclusive environments and empower individuals to thrive.

More information can be found here.

WOMEN EMPOWERMENT

BAWAG Group is committed to advancing gender equality and empowering women across all areas of society. Within our organization, we strive to create an inclusive environment where women can grow—whether in leadership roles, specialist positions, or other career paths.

Beyond the workplace, we focus on supporting women in our communities to promote equal opportunities. This includes actively partnering with women’s shelters across Austria, providing essential resources and safe spaces for those in need. These initiatives reflect our conviction that empowering women is fundamental to building resilient communities, fostering equality, and driving sustainable social progress.

ESG RATINGS

Our sustainability performance is regularly evaluated by independent ESG rating agencies. These assessments provide their opinion on how BAWAG is exposed to and manages environmental, social, and governance risks and opportunities. By benchmarking against global standards, we ensure transparency, while continuously striving to improve our practices and deliver long-term value for all stakeholders.

MSCI AAA
Rating

In 2025, MSCI reconfirmed a rating of AAA (on a scale of AAA-CCC) in the MSCI ESG Ratings assessment.*

C+ rating from ISS ESG

BAWAG Group’s sustainability rating was set at “C+“ in October 2025 (Performance score 57.21, Decile Rank 1), an improvement from C- in 2023.

Sustainalytics 15.6 risk rating

In June 2025, BAWAG Group received an ESG Risk Rating of 15.6 and was assessed by Morningstar Sustainalytics to be at low risk of experiencing material financial impacts from ESG factors.**

* DISCLAIMER STATEMENT

THE USE BY BAWAG Group AG OF ANY MSCI ESG RESEARCH LLC OR ITS AFFILIATES (“MSCI”) DATA, AND THE USE OF MSCI LOGOS, TRADEMARKS, SERVICE MARKS OR INDEX NAMES HEREIN, DO NOT CONSTITUTE A SPONSORSHIP, ENDORSEMENT, RECOMMENDATION, OR PROMOTION OF BAWAG Group AG BY MSCI. MSCI SERVICES AND DATA ARE THE PROPERTY OF MSCI OR ITS INFORMATION PROVIDERS, AND ARE PROVIDED ‘AS-IS’ AND WITHOUT WARRANTY. MSCI NAMES AND LOGOS ARE TRADEMARKS OR SERVICE MARKS OF MSCI.

** In no event the information shall be construed as investment advice or expert opinion as defined by the applicable legislation.