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BAWAG Group AG operates as a holding company. It operates through the following business segments: Retail & SME, Corporates & Public, Corporate Center and Treasury. The Retail & SME includes savings, payment, card and lending activities, investment and insurance services for private customers, small business lending, factoring and leasing business, and social housing activities as well as own issues covered with retail assets and Wohnbaubank bonds. The Corporates & Public includes lending activities to international corporates as well as international real estate financing activities. It also includes corporate, mid-cap and public lending business and other fee-driven financial services for mainly Austrian and German customers. The Corporate Center provides central functions for the entire Group such as legal services, risk management and Group asset-liability management and includes unallocated items related to these support functions, accounting positions (e.g. market values of derivatives), the company’s equity, real estate and fixed assets, non-interest bearing assets and liabilities as well as selected results related to subsidiary and participation holdings and reconciliation positions. The Treasury includes any treasury activities associated with providing trading and investment services such as certain asset-liability management transactions (including secured and unsecured funding) and the investment results of the portfolio of financial securities of BAWAG Group. It was founded on November 16, 2005, and is headquartered in Vienna, Austria.