BAWAG Group AG is a holding company, which offers comprehensive savings, payment, lending, leasing, investment, building society, factoring and insurance products and services. It operates through the following segments: Retail & SME, Corporates, Real Estate & Public Sector, Treasury, and Corporate Center. The Retail & SME segment consists of savings, payment, card and lending activities, investment and insurance services for its private customers, small business lending, factoring and leasing business and its social housing activities as well as own issues covered with retail assets and Wohnbaubank bonds. The Corporates, Real Estate & Public Sector segment is composed of lending activities to international corporates as well as international real estate financing activities. The Treasury segment focuses on treasury activities associated with providing trading and investment services. The Corporate Center offers central functions for the entire Group. The company was founded on November 16, 2005 and is headquartered in Vienna, Austria.