Bank Burgenland

What Bank Burgenland does

Bank Burgenland (legal entity: HYPO-BANK BURGENLAND Aktiengesellschaft) is an Austrian regional retail and commercial bank headquartered in Eisenstadt, 100% owned by the insurance conglomerate GRAWE (Grazer Wechselseitige Versicherung AG) and operating within the GRAWE Bankengruppe. The bank serves retail (Privatkunden), SME and mid-cap corporate (Firmenkunden), and public-sector clients through 23 branches across Burgenland, Carinthia, Styria, and Vienna, supported by 222 personal advisors, an online banking platform at banking.bank-bgld.at, electronic banking for business customers (ELBA Business, Businessbanking pro), Echtzeitüberweisung instant payments, and TeamViewer-based remote support. Its product set spans current accounts (Konto basic/active/clever/all-in, 0x24 Jugendkonto, Gemeinschaftskonto), debit and credit cards, savings and investment products (Sparbuch, Online sparen, Bausparen, Fondssparen, securities, gold, real estate), retail and corporate lending (Wohnbaukredit, Konsumkredit, Leasing, Betriebsmittelkredit, Investitionsmittelkredit, Kontokorrentkredit, Garantie, EIB Globaldarlehen, Kommunalfinanzierungen, Immobilien- & Projektfinanzierung), wealth management (Bank Burgenland Exklusiv: Vermögensverwaltung, Vermögensberatung, private equity, interest and currency hedging, Gewinnfreibetrag), and insurance intermediation under the GRAWE umbrella (Risikolebens-, Unfall-, Pensions-, Kontorahmen-, Firmenpension, Zukunftssicherung, Abfertigungsvorsorge via VBV-Vorsorgekasse, Eigentümerversicherung). Revenue is generated primarily through net interest income on the lending book, transaction and account fees on payments and securities, commissions on insurance and wealth-management products, and FX/interest-rate hedging fees. The bank is well-capitalized with a 19.9% equity ratio as of 31.12.2025 and an A- (Stable Outlook) issuer rating from Scope Ratings. In January 2026, Bank Burgenland announced the full acquisition of Anadi Bank AG (closing expected February 2026), which will add approximately EUR 450m of public finance exposures, ~25,000 digital retail customers, and a ~EUR 350m corporate loan portfolio, materially scaling both digital retail and corporate franchises.

Name

Bank Burgenland

Legal name

HYPO-BANK BURGENLAND Aktiengesellschaft

Website

https://bank-bgld.at

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank Burgenland (HYPO-BANK BURGENLAND AG) is an Austrian regional retail and commercial bank, 100% owned by GRAWE, operating 23 branches and 222 advisors across Burgenland, Carinthia, Styria, and Vienna, serving retail, SME, and public-sector clients with lending, deposits, wealth management, and insurance intermediation, and acquiring Anadi Bank AG in 2026.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Retail banking services
• Corporate banking
• Mortgage lending
• Wealth management
• Savings products

Headquarters

HQ city

Aschau Im Burgenland

HQ country

Austria

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Interest Income: Core banking revenue from lending activities including mortgages, consumer credit, leasing, corporate loans, investment loans, and overdraft facilities. Deposit-taking and credit issuance generate net interest margin.
2. Commission and Fee Income: Fees from payment services, account management, securities brokerage, insurance products, and foreign exchange transactions. Account maintenance and transaction fees from current and business accounts.
3. Securities and Investment Services: Revenue from wealth management, asset management, securities trading, and investment advisory services offered through Bank Burgenland Exklusiv.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Bank Burgenland (HYPO-BANK BURGENLAND AG) is an Austrian regional bank that provides retail and corporate banking services through 23 branches and 222 personal advisors. Its product portfolio spans current accounts, savings and investment products, mortgages, consumer and corporate loans, leasing, insurance intermediation, wealth management, and public-sector/municipal financing. The bank operates under the GRAWE Bankengruppe and serves customers across Burgenland, Carinthia, Styria, and Vienna.

Product overview

Bank Burgenland (HYPO-BANK BURGENLAND AG) is a regional Austrian bank operating as part of the GRAWE Bankengruppe, offering a comprehensive banking platform with products for both retail (Privatkunden) and business (Firmenkunden) customers. The core product portfolio centers on current accounts (Konto basic, active, clever, all-in, youth, joint accounts), digital banking (Onlinebanking & Apps, Electronic Banking with Onlinebanking Kommerz and Businessbanking pro), cards (Debit Mastercard, Kreditkarte), and real-time payments (Echtzeitüberweisung). Savings products include Sparbuch, Online sparen, Bausparen, and Fondssparen. Lending offerings span Wohnbaukredit, Konsumkredit, and Leasing for retail, and Betriebsmittelkredit, Investitionsmittelkredit, Kontokorrentkredit, Garantie, EIB Globaldarlehen, Kommunalfinanzierungen, and Immobilien- & Projektfinanzierung for business. Investment and wealth services include Vermögensverwaltung, Vermögensberatung, Private Equity, Zins- und Währungsmanagement, Gewinnfreibetrag, and TBSZ. Insurance products include Kontorahmenversicherung, Risikolebensversicherung, Unfallversicherung (via GRAWE), Pensionsvorsorge for retail, and Abfertigungsvorsorge, Firmenpension, Zukunftssicherung, and Eigentümerversicherung for business. The bank also provides Förderungen advisory for subsidies. The pending acquisition of Anadi Bank AG will add approximately 25,000 digital retail customers and EUR 350m corporate loan portfolio. Bank Burgenland operates 23 branches across Burgenland, Carinthia, Styria, and Vienna.

Differentiator

Problem solved

Functional benefit

Products and services

• Konto basic (Starterkonto)

Quantifiable outcome

• 19.9% equity ratio (Eigenmittelquote) as of 31.12.2025
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Seven partnerships are on record, tiered major, core and minor.

• Anadi Bank AGmajorStrategic or Co-development Partner · 7 January 2026Bank Burgenland (through its parent HYPO-BANK BURGENLAND AG) announced the full acquisition of Austrian Anadi Bank AG on 7 January 2026. The transaction includes approximately EUR 450m in public finance exposures, digital retail banking with around 25,000 customers, and a roughly EUR 350m corporate loan portfolio. Closing was expected in February 2026. The deal represents a significant consolidation within the Austrian banking sector.
• European Investment Bank (EIB)coreStrategic or Co-development PartnerBank Burgenland acts as intermediary for EIB Global Loans to Austrian SMEs and Midcap enterprises for climate-friendly investments. The partnership enables favorable interest rates for eligible projects in renewable energy, energy efficiency, clean transport, and sustainability. The bank processes and decides on credit applications on behalf of EIB.
• VBV-VorsorgekasseminorChannel Partner/ Reseller/ DistributorBank Burgenland cooperates with VBV-Vorsorgekasse, one of Austria's largest severance/separation pay management funds, for the Abfertigung neu (severance pay) product for employees of business customers.
• Wolf Theiss (legal adviser to Anadi Bank)minorOthersWolf Theiss acted as legal adviser to Austrian Anadi Bank on its sale to Hypo-Bank Burgenland Aktiengesellschaft. The firm disclosed its legal team including multiple partners and associates.
• E+H (Eisenberger + Herzog) (legal adviser to Bank Burgenland)minorOthersE+H reportedly acted as legal adviser to Bank Burgenland (buyer) in the acquisition of Anadi Bank. The firm confirmed its involvement and disclosed its legal team.
• aws (Austria Wirtschaftsservice GmbH)minorChannel Partner/ Reseller/ DistributorBank Burgenland offers aws guarantees as part of its financing portfolio for SMEs, facilitating access to government-backed loan guarantees for investment and working capital.
• Oesterreichische Kontrollbank AG (OeKB)minorChannel Partner/ Reseller/ DistributorBank Burgenland provides Exportfonds-Kredit (export financing) products through the OeKB refinancing framework for SMEs engaged in export and foreign investment activities.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Volksbank Wien AG: Cooperative regional banking group headquartered in Vienna with strong Austrian retail and SME franchise. Closely comparable in size, regional orientation, and product mix to Bank Burgenland — both serve as relationship-led regional banks for retail and SME customers.
• Anadi Bank AG: Austrian digital-focused retail and corporate bank (acquired by Bank Burgenland, closing February 2026). Operates an online-led model with a similar Austrian retail/corporate product mix, making it the most directly comparable post-acquisition entity.
• Oberbank AG: Upper Austrian regional bank serving retail, SME, and corporate customers with a strong advisory-led model. Comparable in scale, product breadth, and relationship-driven GTM to Bank Burgenland, with similar municipal/corporate lending focus.
• Hypo Vorarlberg Bank AG: Austrian regional universal bank with retail, corporate, and private banking focus. Comparable in size, balance-sheet structure, and relationship-driven GTM to Bank Burgenland; both are mid-sized Austrian regional banks serving SMEs and retail.
• BKS Bank AG: Carinthian-headquartered regional bank with a comparable retail and corporate banking focus, plus cross-border activity in Slovenia/Croatia. Closely comparable in scale and regional banking orientation, and operates in Carinthia — overlapping with Bank Burgenland Kärnten's footprint.
• Sparkasse (Erste Group Sparkassen): Network of Austrian savings banks (Sparkassen) operating as part of the Erste Group. They serve retail and SME customers in every Austrian region with a relationship-led model very similar to Bank Burgenland, directly competing in Burgenland and Carinthia.

Broad incumbents

• BAWAG Group AG: Vienna-based listed retail and SME bank with strong Austrian franchise. Competes directly with Bank Burgenland in retail current accounts, consumer lending, and SME banking, but operates at much larger scale with a more digital-led model.
• Erste Group Bank AG: Largest Austrian banking group and one of the leading Central/Eastern European banks. Operates retail, commercial, and public-sector banking across CEE with significantly greater scale, capital, and digital capabilities than Bank Burgenland — directly competes for Austrian SME and retail customers.
• Raiffeisen Bank International AG: Major Austrian-headquartered universal bank with strong retail and corporate banking in Austria and CEE. RBI's Austrian subsidiary (Raiffeisenlandesbank) and regional Raiffeisen banks compete head-to-head with Bank Burgenland for SME, retail, and municipal financing business in eastern Austria.

Regional players

• Hypothekenbanken (Pfandbrief issuers) — e.g. HYPO NOE: Lower Austrian state mortgage and public-sector bank with a focus on municipal financing and real estate lending — directly comparable in the Kommunalfinanzierungen and public-finance niche that is core to Bank Burgenland's franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@BankBurgenland
• Facebookfacebook.com/bankburgenland
• LinkedInlinkedin.com/company/hypo-bank-burgenland-aktiengesellschaft
• Instagraminstagram.com/bankburgenland

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Burgenland