BANCA BHW
BH W Bausparkasse AG operates an Italian branch in Bolzano offering German-model two-phase building society mortgages (savings phase then fixed-rate amortization) under Mutuo Sprint, Variante, and Light. The branch is part of Deutsche Bank group and manages a legacy retail mortgage book with servicing outsourced to Cerved.
- Company typePrivate
- Founded1928
- HeadquartersHameln (Hameln), Germany
- Headcount1–10
- GTM typeB2C
- OfferingServices
What BANCA BHW does
BH W Bausparkasse AG (BANCA BHW) is a German building society (Bausparkasse) operating in Italy since 1997 through its Italian branch (Succursale italiana) headquartered in Bolzano. The company offers a distinctive two-phase mortgage product architecture — combining a savings phase (Risparmio Edilizio) with a subsequent low fixed-rate mortgage phase — under the product lines Mutuo Sprint, Mutuo Variante, Mutuo Light, and Mutuo Immediato. The core technical differentiator is a proprietary amortization planning engine that maintains equal monthly installments across the two phases despite differing interest-rate characteristics in each phase, a capability absent from traditional Italian mortgage products. Maximum loan-to-value is capped at 70% for primary residences and 64% for second homes, with up to 100% financing available for employees offering additional collateral.
BHW monetizes through interest income on mortgages, fees and interest spread on building savings contracts, and administrative/processing fees (loan origination, periodic administrative, and amortization-plan preparation fees). Italian go-to-market historically relied on a network of financial agents operating through consultation points (Punti di Consulenza); however, the wholly-owned subsidiary BHW Financial srl — the placement vehicle — definitively ceased operations in September 2015. Italian portfolio servicing, including non-performing loans and administrative/accounting/legal/complaints/reporting functions, is fully outsourced to Cerved Credit Management Group SpA under agreements signed in 2016, expanded in 2017, and consolidated in 2018. Banking-correspondent services in Italy are handled by Intesa Sanpaolo's Bolzano branch.
At the corporate level, BHW Bausparkasse AG is a wholly-owned subsidiary of DB Privat- und Firmenkundenbank AG within the Deutsche Bank group, following Postbank's 2005 acquisition of majority control and the May 2019 merger with Deutsche Bank Bauspar AG that created Germany's second-largest private building society. The German parent serves 3+ million customers via 3.7+ million building savings contracts distributed through over 1,350 Deutsche Bank and Postbank branches plus 4,300+ agents. The Italian branch is a regulated financial entity with no active origination pipeline visible in the input data and is operating in a managed-portfolio posture.
BANCA BHW firmographics
Firmographics- Name
- BANCA BHW
- Legal name
- BHW Bausparkasse AG
- Website
- https://bhw.it
- Company type
- Private
- Founded year
- 1928
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BH W Bausparkasse AG operates an Italian branch in Bolzano offering German-model two-phase building society mortgages (savings phase then fixed-rate amortization) under Mutuo Sprint, Variante, and Light. The branch is part of Deutsche Bank group and manages a legacy retail mortgage book with servicing outsourced to Cerved.
- Ownership category
- akta.pro rank
BANCA BHW industry classification
Industry- Product category
- Building Society / Residential Mortgage Lending
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- New Construction-to-Perm (Single-Family Owner-Occupied) (FSALAHAA)
- akta.pro secondary industry
- Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG)
Keywords
Where BANCA BHW is headquartered
LocationHeadquarters
- HQ city
- Hameln (Hameln)
- HQ country
- Germany
- HQ region
- Europe
Offices4 records
Markets served
BANCA BHW business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Mortgage Lending: BHW generates revenue primarily through interest income on mortgages. The company offers two-phase building society mortgages where customers pay interest during the pre-financing phase and principal plus interest during the amortization phase. Interest rates can be fixed or variable depending on the product.
- Building Society Savings Fees: Customers enter into Risparmio Edilizio (Building Savings) contracts, paying regular savings installments that accumulate before qualifying for the mortgage portion. The company earns fees and interest spread from these savings products.
- Administrative and Processing Fees: Revenue from various fees including loan origination fees (spese di istruttoria), periodic administrative fees (spese periodiche/amministrative), and amortization plan preparation fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mutuo Sprint - Fixed rate two-phase mortgage |
| Subscription | Monthly | Mutuo Variante - Variable rate two-phase mortgage |
| Subscription | Monthly | Mutuo Light - Simplified fixed rate two-phase mortgage |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
BANCA BHW product offering
Product offeringCore offering
BHW Bausparkasse AG is a German building society (Bausparkasse) operating in Italy that offers two-phase residential mortgage products combining a savings phase with a low fixed-rate amortization phase. Customers enter a Risparmio Edilizio (Building Savings) contract and then access mortgage products — Mutuo Sprint, Mutuo Variante, Mutuo Light, and Mutuo Immediato — featuring guaranteed predetermined fixed rates in the second phase.
Product overview
BHW Bausparkasse AG is a German building savings bank (Bausparkasse) operating in Italy, offering a unified portfolio centered on the Risparmio Edilizio (Building Savings) contract combined with two-phase mortgage products (Mutuo Sprint, Mutuo Variante, Mutuo Light, and Mutuo Immediato). The core product architecture combines a savings phase with favorable mortgage terms, distinguishing BHW mortgages from traditional Italian offerings through their dual-phase structure where the second phase guarantees predeterminated fixed rates. The company is part of the Deutsche Bank Group and manages mortgage portfolios through outsourcing partnerships with Cerved Credit Management Group.
Differentiator
Problem solved
Functional benefit
Products and services
- Risparmio Edilizio (Building Savings Contract)
- Mutuo Sprint
- Mutuo Variante
- Mutuo Light
- Mutuo Immediato (Immediate Mortgage)
Quantifiable outcome
- 17,000 homes built between 1936 and 1944 during initial expansion
- +3 more outcomes
Companies that use BANCA BHW
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles2 records
BANCA BHW technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BANCA BHW partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Cerved Credit Management Group SrlcoreEffective April 1, 2018, Cerved Credit Management Group Srl became the new outsourcing partner for managing BHW's in-good-standing customer portfolio (portafoglio clienti in bonis), replacing Progetto Lavoro. Cerved and its subsidiaries handle customer management, administrative tasks, accounting, legal matters, complaints, and regulatory reporting for the Italian operations.
- Cerved Credit Management SpAcoreIn March 2016, BHW transferred the management of non-performing credits (crediti insoluti) to Cerved Credit Management SpA. This partnership handles debt collection and NPL management for BHW's Italian portfolio. In July 2017, the partnership was expanded to include administrative, accounting, legal, complaints, reporting, and signaling activities for both performing and non-performing credit portfolios.
- Progetto Lavoro Società CooperativaminorIn 2014, BHW transferred management of its in-good-standing customer portfolio to Progetto Lavoro Società Cooperativa to ensure service continuity. This partnership ended on April 1, 2018 when Cerved Credit Management Group took over these responsibilities.
Scale indicators6 records
Recent moves8 records
Expansion highlights3 records
BANCA BHW competitors and assessment
Company assessmentBroad incumbents
- Deutsche Bank: Parent entity of BHW Bausparkasse AG. While Deutsche Bank offers mortgage products broadly through its private/commercial banking franchise, BHW operates as a specialist Bausparkasse subsidiary with distinct regulatory framework and product structure.
- UniCredit: Major Italian and European banking group with a substantial residential mortgage book in Italy. Overlapping customer segments and product categories (home purchase, refinance), though lacks the two-phase Bausparkasse structure.
- Banca Mediolanum: Italian retail bank offering residential mortgage products to Italian consumers via financial advisor network. Comparable GTM motion (advisor-led distribution) and overlapping customer segments with BHW's Punti di Consulenza model.
- Crédit Agricole Italia (Cariparma): Italian subsidiary of French Crédit Agricole group offering retail mortgages through its Italian branch network. Comparable target customer base in Italy and overlapping product offerings, particularly in northern Italy where BHW's Bolzano branch operates.
Others
- Intesa Sanpaolo: Italy's largest banking group offering residential mortgages directly to Italian consumers. Comparable target customer base (Italian homebuyers) and product overlap (home purchase, renovation, refinancing), though uses a traditional rather than Bausparkasse model.
Direct peers
- Schwäbisch Hall: Germany's largest Bausparkasse with the same two-phase savings-and-mortgage model as BHW. Directly comparable business architecture, product portfolio (Bausparen + Bauspardarlehen), and target customer base (German residential borrowers and savers).
- Wüstenrot Bausparkasse: One of Germany's major private Bausparkassen offering the same two-phase Bauspar model with savings phase followed by fixed-rate mortgage. Comparable product structure, regulatory framework (Bausparkassengesetz), and customer base.
- LBS (Landesbausparkassen): Group of regional German state-chartered Bausparkassen offering the same Bauspar model as BHW. Closely comparable product architecture and regulatory status under the German Bausparkassengesetz, with overlapping target customers and distribution through Sparkassen.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
BANCA BHW social profiles
Digital presenceBANCA BHW compliance and trust
Trust signalCompliance1 record
BANCA BHW financial estimates
Financial estimateRevenue estimate
Valuation estimate
BANCA BHW leadership team
Management profileNumber of profiles
BANCA BHW subsidiaries and ownership
Company hierarchySubsidiaries1 record
BANCA BHW funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BANCA BHW M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BANCA BHW
What does BANCA BHW do?
BHW Bausparkasse AG is a German building society (Bausparkasse) operating in Italy that offers two-phase residential mortgage products combining a savings phase with a low fixed-rate amortization phase. Customers enter a Risparmio Edilizio (Building Savings) contract and then access mortgage products — Mutuo Sprint, Mutuo Variante, Mutuo Light, and Mutuo Immediato — featuring guaranteed predetermined fixed rates in the second phase.
Is BANCA BHW a public or private company?
BANCA BHW is a private company. It is classified as corporate owned and is currently operating.
When was BANCA BHW founded?
BANCA BHW was founded in 1928. It employs 1 to 10 people.
Where is BANCA BHW based?
BANCA BHW is headquartered in Hameln (Hameln), Germany, in the Europe region.
How does BANCA BHW make money?
Three revenue lines are on record. Mortgage Lending is the primary driver. The others are building Society Savings Fees and administrative and Processing Fees.
Who are BANCA BHW's main competitors?
Broad incumbents on record are Deutsche Bank, UniCredit, Banca Mediolanum and Crédit Agricole Italia (Cariparma). Intesa Sanpaolo is listed as an others. Direct peers are Schwäbisch Hall, Wüstenrot Bausparkasse and LBS (Landesbausparkassen).
Does BANCA BHW have an API?
No public API is recorded for BANCA BHW.
What industry is BANCA BHW in?
BANCA BHW's product category is Building Society / Residential Mortgage Lending. Its primary akta.pro industry code is FSALAHAA, New Construction-to-Perm (Single-Family Owner-Occupied), with a secondary code of FSALAEAG, Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans). Its SIC code is 6036.