HYPO NOE Gruppe Bank

What HYPO NOE Gruppe Bank does

HYPO NOE Gruppe Bank, legally HYPO NOE Landesbank für Niederösterreich und Wien AG, is one of the oldest and largest state-owned Landesbanken in Austria, headquartered in St. Pölten and wholly owned (directly or indirectly) by the State of Lower Austria through NÖ Landes-Beteiligungsholding GmbH (70.49%) and NÖ BET GmbH (29.51%). Founded in 1888, the bank operates as a public-law universal bank serving retail customers, SMEs, large enterprises, public-sector entities, real estate developers, and non-profit housing associations across Niederösterreich and Vienna, with an international real estate project finance franchise spanning Germany, the Netherlands, and Central/Eastern Europe.

The bank operates through an omnichannel distribution model combining a regional branch network with digital channels (24/7 Internetbanking, HYPO NOE Pay mobile payments, HYPO NOE ID App authentication, HYPO NOE Business App, and EBICS-standard corporate banking). Core revenue is generated through net interest income on mortgages, consumer credit, business loans, and public-sector leases; fee and commission income from account management, cards, securities distribution, and insurance brokerage through the wholly-owned HYPO NOE Versicherungsmakler GmbH; and real estate leasing revenues from HYPO NOE Leasing, a market leader in Austrian public-sector real estate leasing with a balance sheet of approximately EUR 2.7 billion specializing in Maastricht-compliant structures and PPP models.

HYPO NOE differentiates itself through domain specialization in public-sector infrastructure and non-profit housing financing, ISS ESG Prime Status maintained since 2015, the Austrian Umweltzeichen environmental seal on its Grüne Linie product family, and a pioneering role as the issuer of the first Austrian Green Bond with Umweltzeichen certification. Strategic capital-markets funding is sourced through retail bonds (e.g., Wohnbauanleihe 2026-2037, Anleihe 2026-2029) and EU institutional partners including the EIB (integrated into lease structures for the Universitätsklinikum St. Pölten EUR 700 million project) and EIF/InvestEU for green loans.

Name

HYPO NOE Gruppe Bank

Legal name

HYPO NOE Landesbank für Niederösterreich und Wien AG

Website

https://hyponoe.at

Company type

Public

Founded year

1888

Operating status

Operating

Headcount range

501–1,000 employees

Short description

HYPO NOE Gruppe Bank is one of Austria's oldest and largest state-owned Landesbanken (founded 1888), serving retail, SME, corporate, public-sector, and real-estate clients in Niederösterreich, Vienna, and Central/Eastern Europe, with a market-leading public-sector real estate leasing subsidiary and a recognized green bond franchise.

Ownership category

akta.pro rank

Product category

Universal / Regional Banking (Landesbank)

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Real Estate Credit (522292), Lessors of Nonresidential Buildings (except Miniwarehouses) (531120)

SIC

Mortgage Bankers & Loan Correspondents (6162), Savings Institutions, Not Federally Chartered (6036), Lessors Of Real Property, Nec (6519)

akta.pro primary industry

State & Local Housing Finance Agencies (HFAs) (FSALAKAA)

Keywords

• Universal banking services
• Real estate leasing
• Public sector financing
• Mortgage lending
• Corporate banking

Headquarters

HQ city

Pölten

HQ country

Austria

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest margins on lending (mortgages, consumer credits, business loans) and interest earned on customer deposits and investments
2. Commission and Fee Income: Fees from account management, payment transactions, card services, securities trading, and insurance intermediation through the bank's insurance broker subsidiary
3. Securities and Investment Products: Revenue from investment funds, bonds, equities, and precious metals trading through partnerships with Schelhammer Capital Bank AG; commission income from fund distribution
4. Leasing Operations: Revenue from real estate leasing subsidiary (HYPO NOE Leasing) focused on public sector and large-scale infrastructure projects, with balance sheet of approximately EUR 2.7 billion
5. Insurance Brokerage: Commission income from insurance brokerage services through HYPO NOE Versicherungsmakler GmbH for property, liability, and business insurance products

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels6 records

Core offering

HYPO NOE Landesbank für Niederösterreich und Wien AG is an Austrian regional universal bank providing retail and corporate banking, mortgage and consumer lending, savings and investment products, public-sector real estate leasing and PPP financing, and insurance brokerage. It also arranges syndicated and international real estate project financing across Central and Eastern Europe. Services are delivered via a branch network in Niederösterreich and Vienna and through digital channels including 24/7 internet banking, the HYPO NOE Business EBICS platform, and mobile apps.

Product overview

HYPO NOE Gruppe Bank operates as a universal banking group headquartered in St. Pölten, Austria, offering a comprehensive portfolio of banking products and services. The bank's private banking offerings include multiple checking account variants (Twenty5 youth account, Grün, Smart, Pur, Blaulicht), online savings (Powerkonto, Online Festgeld), the HIPPO Card for young savers, Bausparen home savings, and the HYPO NOE Twin-Set combining fixed deposits with investment funds. Investment services encompass bonds (Anleihe 2026-2029, Wohnbauanleihe 2026-2037), investment funds, fondssparen systematic investment plans, and Premium Banking wealth management. Lending products include Wohnkredit mortgages with green variants, consumer credits, and auto leasing. Digital banking is delivered through 24/7 Internetbanking, HYPO NOE Pay mobile payments, the HYPO NOE ID App for authentication, and HYPO NOE Business for corporate clients. Business banking features Firmenkonto business accounts in multiple tiers, Anderkonto trust accounts, and various credit facilities including Investitionskredit, Grüner Investitionskredit for green projects, Startkredit for startups, and Betriebsmittellinien working capital lines. Specialized services include real estate leasing and PPP for the public sector, international real estate project financing, large residential construction, insurance brokerage, export financing, and subsidy advisory. The bank maintains strategic partnerships with card networks (MasterCard via card complete, VISA via PayLife), mobile payment providers (Apple Pay, Google Pay, Bluecode), and accounting software systems (SAP via XS2A/EBICS).

Differentiator

Problem solved

Functional benefit

Brands

• HIPPO Card: A digital savings card targeted at children, teenagers, and young adults up to age 25, offering savings accounts with interest rates and a free HIPPO Card for deposits and withdrawals.
• Grüne Linie (Green Line)
• HYPO NOE Business
• HYPO NOE Pay
• HYPO NOE Leasing
• HYPO NOE Versicherungsmakler GmbH
• Grüner Investitionskredit (Green Investment Credit)
• Taxonomiekredit

Products and services

• Girokonto Twenty5 (Jugendkonto)
• Girokonto Smart
• Girokonto Pur
• Girokonto Grün
• Girokonto Blaulicht
• Powerkonto / Online Powerkonto
• Online Festgeld
• HIPPO Card Sparkonto
• Bausparen (start:bausparkasse)
• Investmentfonds
• Fondssparen
• HYPO NOE Twin-Set
• HYPO NOE Anleihe 2026-2029
• HYPO NOE Wohnbauanleihe 2026-2037
• Premium Banking
• Wohnkredit (incl. Grüner Wohnkredit, Immokredit 50+)
• Konsumkredit / Finanzreserve
• Auto-Leasing
• MasterCard and VISA Card credit cards
• HYPO NOE 24/7 Internetbanking
• HYPO NOE Pay mobile payment app
• HYPO NOE ID App
• HYPO NOE Firmenkonto
• Business-Konto Light / Classic / Complete
• Anderkonto
• HYPO NOE Business (EBICS corporate banking)
• Investitionskredit and Grüner Investitionskredit
• Startkredit
• Betriebsmittellinien
• Bankgarantien
• Syndizierte Kredite
• Zins- und Währungsabsicherungsprodukte
• Immobilien-Leasing (HYPO NOE Leasing)
• Mobilienleasing
• Public-Private Partnership (PPP) financing
• Immobilienprojektfinanzierung Austria
• International Real Estate Project Financing
• Großwohnbau financing
• Exportfinanzierung
• Förderberatung
• Versicherungsmakler GmbH insurance brokerage
• Gemeinde-Versicherungslösungen
• Grüner Investitionskredit and Taxonomiekredit (green corporate credit)
• Grüne Linie (Grüne Sparkonten)

Quantifiable outcome

• Market leader position in public sector real estate leasing in Austria
• +2 more outcomes

Named customers15 records

Segments9 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

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

• Land NiederösterreichcoreStrategic or Co-development PartnerLong-standing partnership for public infrastructure financing including hospitals, schools, and administrative buildings through innovative leasing structures. Major projects include Universitätsklinikum St. Pölten (EUR 700 million) and Children and Youth Psychiatry Tulln (EUR 38 million).
• Stadt WiencoreStrategic or Co-development PartnerPublic-private partnership projects including Campus Landgutgasse (EUR 55 million PPP model) and Betriebskindergarten Krankenhaus Hietzing (EUR 4.5 million operating lease).
• European Investment BankcoreStrategic or Co-development PartnerFirst-time integration of European Investment Bank into lease financing structure for Universitätsklinikum St. Pölten project, marking an innovation in Austrian real estate leasing market.
• Schelhammer Capital Bank AG – die plattformcoreTechnology or IntegrationPartnership for securities depot services enabling customers to hold and trade investment products. HYPO NOE provides investment advisory while Schelhammer Capital operates the trading platform.
• start:bausparkassecoreChannel Partner/ Reseller/ DistributorBausparen (state-subsidized building savings) products offered through this partnership, including youth building savings and regular building savings with government premiums.
• HYPO NOE Versicherungsmakler GmbHcoreChannel Partner/ Reseller/ DistributorWholly-owned subsidiary operating as independent insurance broker, offering comprehensive insurance solutions across property, liability, life, and business insurance through partnerships with over 40 insurance providers.
• Generali Versicherungen AGminorChannel Partner/ Reseller/ DistributorInsurance partner listed for property and casualty insurance products through HYPO NOE Versicherungsmakler
• Allianz Elementar Versicherungs-AGminorChannel Partner/ Reseller/ DistributorInsurance partner listed for property and casualty insurance products through HYPO NOE Versicherungsmakler
• Uniqa Versicherungen AGminorChannel Partner/ Reseller/ DistributorInsurance partner listed for property and casualty insurance products through HYPO NOE Versicherungsmakler
• card completecoreTechnology or IntegrationCredit card provider partnership offering MasterCard and VISA card products to bank customers
• PayLifecoreTechnology or IntegrationCredit card provider partnership offering MasterCard and VISA card products to bank customers
• European Investment Fund (EIF) / InvestEUcoreStrategic or Co-development PartnerFramework agreement for green loans and investments, enabling preferential financing terms for sustainable projects through the InvestEU sustainability guarantee program.
• Austria Wirtschaftsservice (aws)coreChannel Partner/ Reseller/ DistributorGovernment-backed financing programs including guarantees, ERP loans, and digitalization funding for Austrian businesses.
• Österreichische Kontrollbank (OeKB)coreChannel Partner/ Reseller/ DistributorExport financing and insurance services through OeKB, enabling international business transactions for Austrian exporters.
• STRABAGminorStrategic or Co-development PartnerConstruction and operations partner for public sector projects including Bundesschulzentrum Eisenstadt (EUR 48 million)
• Soravia GruppemajorStrategic or Co-development PartnerLead financing arrangement for Austro Tower landmark project (EUR 32,000m² office, 135m height, 38 floors) in Vienna's Business District TownTown under HYPO NOE-led banking consortium.
• Cain International / White Star Real EstatemajorChannel Partner/ Reseller/ DistributorReal estate developer clients for Polish and Romanian property financing including Fabryka PZO Warsaw and PRAGA306 complexes.
• Summus Capital OÜmajorChannel Partner/ Reseller/ DistributorEstonian real estate developer client for Libero Shopping Center Katowice acquisition (45,000 sqm) and React Office Łódź financing.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Erste Group Bank AG: Largest Austrian universal bank and a leading CEE banking group serving retail, SME, corporate, and public sector clients across Austria and Central/Eastern Europe. Comparable to HYPO NOE as a domestic Austrian universal bank with public sector and CEE real estate exposure, but operates at meaningfully greater national and international scale.
• BAWAG Group AG: Major publicly listed Austrian retail and commercial bank with a national branch network and growing DACH franchise. Overlaps with HYPO NOE on Austrian retail, mortgage, and SME banking but operates at larger national scale and is capital-markets listed rather than state-owned.
• Raiffeisen Bank International AG: Major Austrian-headquartered universal bank with deep CEE corporate, retail, and project finance franchises. Overlaps with HYPO NOE on Austrian corporate banking, public sector lending, and CEE real estate project finance mandates, though at substantially larger scale and with broader country coverage.

Direct peers

• NRW.BANK: State development bank of North Rhine-Westphalia acting as a state-owned central institution for public, housing, and sustainability finance. Comparable to HYPO NOE's state-bank mandate, affordable housing / public sector lending orientation, and ESG / green bond issuance franchise.
• BayernLB: German Landesbank owned by the Free State of Bavaria, providing corporate, real estate, and public sector financing. Comparable to HYPO NOE as a state-owned Landesbank with a flagship role in regional public infrastructure and a real estate project finance franchise extending into CEE.
• Hypo Vorarlberg Bank AG: Another Austrian 'Hypo' Landesbank-type regional universal bank serving retail, corporate, and public sector clients. Closest structural analogue to HYPO NOE among Austrian peers — same 'Hypo' Landesbank heritage, similar product set (retail, mortgages, public finance, real estate project finance).
• LBBW (Landesbank Baden-Württemberg): One of Germany's largest Landesbanken, structured as a state-owned regional universal bank offering retail, corporate, public sector, and real estate financing. Directly comparable to HYPO NOE on state-bank ownership model, public sector / municipal financing franchise, and real estate project finance orientation.
• Volksbank Wien AG: Austrian regional cooperative-style universal bank focused on retail, SME, and corporate banking in the Vienna region — directly overlapping with HYPO NOE's retail, SME, and municipal client base in Vienna and Lower Austria.
• Oberbank AG: Austrian regional universal bank with a multi-province footprint serving retail, corporate, and public sector clients. Directly comparable to HYPO NOE in scope (universal bank, regional focus, public sector and real estate lending) and similar scale, making it one of the closest structural analogues in Austria.
• Sparkasse Niederösterreich Mitte West: Regional Austrian savings bank serving retail and SME clients in Lower Austria — the same primary geographic market as HYPO NOE. Directly comparable in home market positioning, deposit-gathering retail franchise, and SME / municipal lending orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

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• Instagraminstagram.com/hypo.noe
• TikToktiktok.com/@hypo.noe

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles28 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about HYPO NOE Gruppe Bank