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BA-CA offers public sector customers – such as municipalities, public utilities, spin-offs and associations including public private partnerships – one-stop solutions for their very specific requirements, from standard business to tailor-made financing and investment solutions as well as structured solutions. Relationship management is carried out by the public sector units in all the provinces of Austria, supported by a central competence centre in Vienna. BA-CA further expanded the volume of its business with this sector to about € 23 billion. Given the low capital requirement and low-risk nature of the business – reflected in a low