Financial data
Our overview of group figures provides a concise insight into our financial performance. As a public-sector credit institution with a long-term business model, we pursue a forward-looking strategy with a regional focus, a selective international presence and close integration within the Sparkassen-Finanzgruppe.
Income statement
| 1 January – 30 June 2026 in € million | 1 January – 30 June 2025 in € million | Change in € million | Change in % |
|---|---|---|---|---|
| Net interest income | 770 | 823 | -52 | -6.4 |
| Provisions for losses on loans and advances | -198 | -129 | -69 | -53.0 |
| Net interest income after provisions for losses on loans and advances | 572 | 693 | -121 | -17.4 |
| Net fee and commission income | 319 | 290 | 29 | 10.0 |
| Result from investment property | 163 | 134 | 30 | 22.2 |
| Result from fair value measurement | 54 | 164 | -110 | -67.1 |
| Share of profit or loss of equity-accounted entities | -2 | 5 | -7 | >-100.0 |
| Other net operating income | 64 | 87 | -23 | -26.6 |
| General and administrative expenses (incl. scheduled depreciation and amortisation) | -975 | -915 | -61 | -6.6 |
| Consolidated profit before tax | 194 | 458 | -263 | -57.5 |
30 June 2026 in billions of € | 30 June 2025 in billions of € | Change in billions of € | Change in % | |
|---|---|---|---|---|
| Balance sheet total | 205.0 | 201.8 | 3.2 | 1.6 |
Income statement of Helaba Group (IFRS)
Financial ratios
1 January – 30 June 2026 in % | 1 January – 30 June 2025 in % | |
|---|---|---|
| Cost-to-income ratio | 70.8 | 60.5 |
| Return on equity (before tax) | 3.5 | 8.5 |
30 June 2026 | 30 June 2025 | |
| CET-1 ratio | 15.8 | 16.3 |
| Total capital ratio | 21.4 | 21.6 |
| Leverage ratio | 5.4 | 5.3 |