Innovation

Good technology starts with understanding. Together with our member savings banks and our customers, we find ways to simplify processes digitally and develop new solutions. The digital processing of promissory notes at vc trade is proof of this. We will continue along this path of progress.

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Digital platforms

We offer practical digital solutions that simplify processes, speed them up and make them more transparent. This benefits businesses, local authorities and savings banks. 

1
Promissory notes are entirely digital

Issuing a promissory note or arranging a syndicated loan without email chains and manual lists? With vc trade, you can manage both digitally: from authorisation through to settlement, including a paying agent function. With vc trade, we have digitised the market. More than 300 savings banks use the platform.  
 

2
Digitising the tendering process for local authority loans

Do you need an investment loan or a working capital loan? With komuno, you can put out a web-based call for investment and decide for yourself which investors to approach, from new loans to loan renewals. We launched komuno in 2018 in partnership with Lucht Probst Associates.

3
Issuing securities on the blockchain

Issuing securities digitally, without traditional paper-based processes? Cashlink provides the infrastructure for this. We have held a stake in the Frankfurt-based FinTech company since 2023 and are working with it to trial a digital registered bond issued by WIBank as part of the ECB’s test series.

4
Funding energy projects with public participation

Are you planning a wind farm or a solar power plant and want to involve the local community? Through HelabaCrowd, they can invest in your project. We build and operate the platform, your savings bank promotes the project in the region, and Deutsche Leasing structures the debt financing.

AI at Helaba

Driving transformation responsibly


We regard artificial intelligence as an integral part of our strategy for reducing complexity and scaling digital innovation safely. As part of the ‘HelabaAI’ strategic initiative, we are specifically identifying use cases for AI and developing new solutions that deliver direct added value. AI helps us to tap into new potential for value creation and growth.

Helena – AI in everyday working life


‘Helena’ brings the benefits of Artificial Intelligence directly to the workplace. The in-house AI assistant helps with research, analyses documents in no time at all and presents complex issues in a clear and understandable way. This saves our staff valuable time and allows them to focus more on value-adding tasks.

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AI in practice
Helaba HedgeQuantifier

Want to manage currency risks intelligently and efficiently? This AI-based solution determines optimal hedging ratios, responds to market changes in real time and ensures maximum transparency. This enables you to reduce hedging costs, speed up decision-making processes and free up internal resources. Thanks to 24/7 reporting, you can keep an eye on your currency positions at any time, even on mobile devices. 

Digital culture, communities and collaboration

Our internal networks promote the transfer of knowledge and embed new technologies within the Helaba Group. After all, digital transformation – including artificial intelligence – is not achieved through technology alone, but through the people who drive it forward. 

Shaping the digital future together

HelabaTransform is the Group-wide community for digitalisation and innovation. 

Staff from various departments discuss current trends, develop new ideas and actively promote digital topics within their organisational units. 

This creates synergies and provides new impetus for the Helaba Group’s digital development.

Drivers of the AI transformation

The AI Champions are actively driving forward the AI transformation within the Helaba Group. 

As local advocates, they provide support on AI-related issues, develop new use cases and promote the responsible use of AI. They are now represented in every subsidiary and are building on an existing community focused on digital topics.

Skills for the digital future

With our comprehensive ‘Grow Digital’ learning programme, we are developing new skills for today’s digital workplace: the themed learning journeys provide practical knowledge, encourage the confident use of new technologies and support staff in continuously developing their skills.

AI? Let’s do it.

I use AI to understand and correlate data. This helps me with risk analysis.

Dr. Jan Schilpp

Group ESG Risk Policy

I inspire my colleagues to embrace AI and highlight the technology’s successes within the company.

Eva Hildebrand

AI & Digital Innovation Specialist

I use our AI, Helena, to manage projects even more effectively.

Peter Diacont

Project Management Consultant

Innovation ecosystem and strong partnerships

Through our subsidiary, Helaba Digital, we offer start-ups access to expertise, capital, corporate clients and savings banks. We act as a partner, facilitator and adviser to all those involved.

We don’t have to build everything ourselves. Through Helaba Digital, we are investing in fintechs such as vc trade. With Schwarz Digits, we are developing AI applications and digital marketplaces based on open source. Partnerships help us make faster progress.

Benjamin Bürkner

Head of AI & Digital Excellence, Managing Director of Helaba Digital

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