Income Statement

Income statement of Helaba Group (IFRS) as of 30 September 2019


01.01.-30.09.2019 in m €01.01.-30.09.2018 in m €Change in €Change in %

Net interest income

850

785

65

8.3

Provisions for losses on loans and advances

-57

29

-86

>-100.0

Net interest income after provi-sions for losses on loans and ad-vances

                         793

                         814

         -21

         -2.6

Net fee and commission income

287

259

28

10.8

Gains or losses on non-trading derivatives and financial instruments to which the fair value option is applied

18

99

-81

-81.8

Share of profit or loss of equity-accounted entities

20

6

14

>100.0

Other net operating income

348

243

105

43.2

General and administrative expenses (incl. scheduled depreciation and amortisation)

-1,117

-1,057

-60

-5.7

Consolidated profit before tax

                     349

              364

                            -15

-4.1


30.09.2019 in bn €31.12.2018 in bn €Change in bn €

Balance sheet total

221.6

163.0

58.6

Business volume

206.8

200.9

59.9

Income statement of Helaba Group (IFRS)

Financial ratios

Financial ratios as of 30 September 2019


01.01. -30.09.2019 in %01.01. - 30.09.2018 in %

Cost/income ratio

                   73.3

             75.9

Return on equity (before tax)

               5.5

              6.1


30.09.2019

31.12.2018

CET 1 ratio “fully loaded”

                     13.8

                        14.9

Total capital ratio “phased in”

                18.7

20.6

Leverage ratio “phased in”

                      4.2

                        5.1

 Financial ratios

Ratings

What the capital markets think: Helaba as rated by leading ratings agencies

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