Bks Bank

What Bks Bank does

BKS Bank AG is an Austrian regional bank headquartered in Klagenfurt, founded in 1922 and listed on the Vienna Stock Exchange since 1986 under ticker BKS. The bank operates 63 business locations — 48 branches in Austria and 15 international branches across Slovenia, Croatia, Slovakia, Italy, Hungary, and Serbia — serving retail, corporate, private banking, and institutional customers. Its product portfolio spans current and savings accounts (Natur & Zukunft-Konto, Mein Geld-Konto fix, Du & Wir-Konto, youth and student accounts), mortgage and consumer lending (Wohn- & Sanierungskredit, Bildungs- & Zukunft-Kredit, Energie- & Zukunft-Kredit), securities (five depot tiers plus Brokerage, Investmentfonds, and the BKS Bank-Anlagemix managed via 3 Banken-Generali), corporate banking (Business Komfort Konto, Investitionskredit, Betriebsmittelkredit, guarantees), export financing via OeKB partnerships, and leasing across vehicles, equipment, and real estate. Private Banking advisory starts at EUR 350,000 in investable assets and discretionary asset management at EUR 500,000.

The bank's underlying technology stack is a conventional digital banking platform rather than a technology-native build. Core components include MyNet internet banking, the BKS App for iOS and Android (with Finanzplaner, IBAN reader, and multi-wallet payment support covering Apple Pay, Google Pay, Garmin Pay, Fitbit Pay, Bluecode, Swatch Pay, and Fidesmo Pay), the BKS Security App for FaceID/fingerprint transaction authorization, BKS Sign for photo-based identity verification, and BizzNet / BizzNet Pro for corporate cash management with EBICS protocol support. The bank does not expose a public developer API beyond the regulatory PSD2 XS2A interface, and no AI/ML capabilities are disclosed.

The business model combines traditional banking interest income (mortgages, consumer and business loans, export financing) with recurring fee income (account maintenance at EUR 9.70/month for Natur & Zukunft-Konto, Business Komfort Konto at EUR 41.90/month), transaction-based revenue (investment product distribution commissions, card fees, securities trading), and private banking/wealth management fees. Distribution is a hybrid model pairing in-branch personal advisory with digital self-service, supported by promotional campaigns such as the Schulstartbonus youth acquisition initiative. Sustainability positioning — MSCI ESG A, ISS ESG Prime Status, EMAS certification, Austrian Umweltzeichen product certifications, and VÖNIX index membership — is a defining brand differentiator and is reflected in named product lines (Natur & Zukunft-Konto, Energie- & Zukunft-Kredit).

Name

Bks Bank

Legal name

BKS Bank AG

Website

https://bks.at

Company type

Public

Founded year

1986

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

BKS Bank AG is an Austrian regional bank headquartered in Klagenfurt, operating 63 branches across Austria and five Central/Southeast European markets. It serves retail, corporate, private banking, and institutional customers with accounts, lending, securities, leasing, and export financing, differentiated by a strong sustainability and ESG positioning.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

Keywords

• Retail banking services
• Corporate banking services
• Private banking wealth management
• Mortgage and consumer lending
• Sustainable banking products

Headquarters

HQ city

Klagenfurt

HQ country

Austria

HQ region

Europe

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including mortgages, consumer loans, business loans, and export financing. Interest rates offered on various credit products.
2. Account and Transaction Fees: Monthly account maintenance fees (e.g., EUR 9.70/month for Nature & Zukunft-Konto), transaction fees, and service charges across retail and corporate accounts.
3. Investment Products Distribution: Commissions and fees from distributing investment products including securities (stocks, bonds, ETFs), investment funds, term funds, and wealth management services. Multiple depot models with varying fee structures.
4. Corporate Banking Services: Business account services, payment processing, guarantees, and specialized services for SMEs and large corporates.
5. Credit and Debit Card Services: Revenue from credit and debit card transactions, annual fees for premium cards (BKS Mastercard Gold), and payment processing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

BKS Bank is an Austrian regional universal bank offering retail banking (current accounts, savings, youth accounts, mortgages, consumer credit), corporate banking (firmenkunden accounts, leasing, export finance), private banking for high-net-worth clients, and institutional financial-institution banking. Services are delivered through 63 branches in Austria and five CEE countries combined with digital channels (MyNet, BKS App, BizzNet), with a particular focus on sustainable and certified ecological financing products.

Product overview

BKS Bank offers a comprehensive banking platform for retail, corporate, and private banking customers across Austria and Central Europe. The product portfolio spans current and savings accounts (Natur & Zukunft-Konto, Mein Geld-Konto fix, Du & Wir-Konto, youth and student accounts), mortgage and consumer lending (Wohn- & Sanierungskredit, Bildungs- & Zukunft-Kredit, Energie- & Zukunft-Kredit), and securities investment products including five depot models (Start Depot, Online Depot, Klassik Depot, Komfort Depot, Premium Depot), fund-based solutions (BKS Bank-Anlagemix, Fondssparen, Investmentfonds), and Brokerage services. Corporate banking includes business accounts (Business Smart & Simple Konto, Business Komfort Konto), investment and working capital financing, export financing through OeKB partnerships, and equipment/real estate leasing. The Private Banking division provides advisory services (starting at EUR 350,000) and active wealth management (Individuelle Vermögensverwaltung, starting at EUR 500,000). Digital channels include MyNet internet banking, BKS App mobile banking, BKS Security App for transaction authorization, BizzNet/BizzNet Pro for business banking, and BKS Sign for photo identification. The bank also offers BKS Mastercard Gold with travel insurance through European Reiseversicherung.

Differentiator

Problem solved

Functional benefit

Brands

• BKS Bank: Primary brand for all banking services including retail, corporate, and private banking.

Products and services

• Sparbuch (Savings Book)

Quantifiable outcome

• 63 business locations (48 in Austria, 15 international)
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• 3 Banken-Generali Investment-Gesellschaft m.b.H.coreStrategic or Co-development PartnerPartnership for BKS Bank-Anlagemix investment product. The bank partners with 3 Banken-Generali for professional fund management, offering conservatively managed investment products with sustainable investment options including the 'werteorientiert' variant certified with Austrian Umweltzeichen.
• Oesterreichische Kontrollbank AG (OeKB)coreStrategic or Co-development PartnerPartnership for export financing services. OeKB provides export funds credit (EFO) for SMEs, Kontrollbankrefinanzierungsrahmen (KRR) for large enterprises, Vorratsinvest financing, and export insurance (G5). BKS Bank facilitates these services for its corporate customers.
• 3 Banken Versicherungsmakler GmbH (3BVM)coreChannel Partner/ Reseller/ DistributorInsurance broker that mediates appropriate insurance coverage for foreign trade transactions for BKS Bank corporate customers.
• Europäische ReiseversicherungminorChannel Partner/ Reseller/ DistributorPartnership for travel insurance coverage included with BKS Mastercard Gold credit card.
• Naturschutzbund KärntenminorStrategic or Co-development PartnerPartnership for biodiversity projects. In 2025, BKS Bank started a project for preservation and strengthening of native biodiversity in cooperation with Naturschutzbund Kärnten as part of the Natur & Zukunft-Konto sustainability commitment.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Erste Group Bank AG: Leading retail and corporate banking group across Austria and CEE with the largest branch network in the region. Competes with BKS in retail deposits, SME lending, and private banking across overlapping CEE markets.
• BAWAG Group AG: Large Austrian retail and corporate bank listed on the Vienna Stock Exchange. Comparable to BKS in retail and SME banking orientation, with broader product scale including consumer lending (Easy Bank) and DACH regional expansion.
• UniCredit Bank Austria AG: Largest Austrian banking group and ultimate controller of CABO Beteiligungsgesellschaft, BKS's largest shareholder (23.2%). Operates a full-service retail, corporate, and investment banking franchise across Austria and CEE, providing a benchmark for larger-scale Austrian banking.
• Raiffeisen Bank International AG: Major Austrian banking group with deep CEE franchise across corporate, retail, and investment banking. Directly comparable to BKS's CEE geographic exposure (Slovenia, Croatia, Slovakia, Hungary, Serbia) at substantially larger scale.

Regional players

• European American Investment Bank (Euram Bank): Austrian private bank with wealth management focus serving Central European clients. Comparable to BKS's Private Banking segment in customer profile (high-net-worth individuals, EUR 350K+ investment thresholds) and Central European regional focus.

Direct peers

• Hypo Vorarlberg Bank AG: Austrian regional bank headquartered in Vorarlberg with retail, corporate, and private banking focus. Comparable in scale, regional-bank identity, and three-pillar business model to BKS, with similar sustainability positioning.
• Addiko Bank AG: Austrian-headquartered bank focused on consumer and SME lending across CEE (Croatia, Slovenia, Serbia, Bosnia, Montenegro). Directly comparable to BKS's CEE retail and corporate banking exposure at a similar mid-sized scale.
• BTV Vier Länder Bank AG: Austrian regional bank ('Vier Länder' = four countries) operating in Austria, Germany, Italy, and Switzerland. Holds 17.9% of BKS and shares the regional-bank model with strong branch networks and corporate banking focus, making it a directly comparable regional-bank peer.
• Volksbank Wien AG: Austrian cooperative-style regional bank group with retail and corporate banking focus. Comparable to BKS in customer segment orientation, branch-based service model, and Austrian-market orientation with similar scale and product breadth.
• Oberbank AG: Austrian regional bank headquartered in Linz with a similar three-pillar business model (retail, corporate, private banking) and a major shareholder position in BKS (18.1%). Both banks emphasize regional presence, sustainability credentials, and personal advisory service alongside digital banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bksbank
• Xx.com/bksbank

Compliance72 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

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 Bks Bank