HYPO NOE Landesbank für Niederösterreich und Wien AG

HYPO NOE Landesbank für Niederösterreich und Wien AG is a regional Austrian credit institution headquartered in St. Pölten and wholly owned by the Province of Lower Austria. Operating as an Aktiengesellschaft, it focuses on retail and private banking in Lower Austria and Vienna, corporate banking for SMEs and larger enterprises, and a substantial book of public-sector and real estate financing in Austria with selective activity in neighboring markets. Group companies add leasing and property-related services. Funding is diversified across customer deposits, covered bonds (public-sector and mortgage), senior unsecured instruments, and other wholesale sources; the bank maintains a regular issuance program and has placed green and sustainability bonds in line with market frameworks. It is subject to the Austrian Banking Act and EU prudential rules (CRR/CRD), supervised by the Austrian Financial Market Authority and Oesterreichische Nationalbank within the Single Supervisory Mechanism, and is a member of the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA Ges.m.b.H.), which protects eligible deposits up to EUR 100,000 per depositor. Day-to-day products include payment accounts, cards, savings and term deposits, securities brokerage and custody, mortgages and consumer loans, as well as corporate working capital, investment loans, and project finance for municipalities, social infrastructure, housing, and transport; services are delivered via online and mobile banking and a branch network concentrated in its home region. Risk management emphasizes collateralized lending and public-sector counterparties; the group reports regulatory capital and liquidity ratios under Pillar 1 and is in scope for MREL and other resolution planning requirements. Availability of products, pricing, and eligibility depend on customer segment and residence, and cross-border services may be restricted; customers should review current schedules, documentation requirements, and applicable investor and deposit protection rules before entering into agreements.