Income Statement

Income statement of Helaba Group (IFRS) as of 31 December 2018


01.01.-31.12. 2018 in m €01.01.-31.12. 2017 in m €Change in €Change in %

Net interest income

1,072

1,069

3

0.3

Provisions for losses on loans and advances

45

56

-11

-19.6

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

                            1,117

                            1,125

                            -8

                            -0.7

Net fee and commission income

349

354

-5

-1.4

Net trading income

32

268

-236

-88.1

Net income from hedge accounting and other financial instruments at fair value (non-trading)

13

-136

149

n.a.

Share of the profit or loss of equity-accounted entities

13

19

-6

-31.6

Other net income

359 

165

194

>100.0

General and administrative expens-es (incl. scheduled depreciation and amortisation)

-1,440

-1,348

-92

-6.8

Consolidated profit before tax

                            443

                            447

-4

-0.9


31.12.2018 in bn €01.01.2018 in bn €Change in bn €

Balance sheet total

163.0

158.2

4.8

Business volume

200.9

191.5

9.5

Income statement of Helaba Group (IFRS)

Ratings

Ratings as of 31 December 2018


Moody's Investors ServiceFitchRatingsStandard & Poor’s Corp.

Issuer rating

Aa3

A+*

A*

Short-term rating

P-1

F1+*

A-1*

Public-sector Pfandbriefe

Aaa

AAA

-

Mortgage Pfandbriefe

-

AAA

-

* Joint S-Group rating for the Sparkassen-Finanzgruppe Hessen-Thüringen

Financial ratios

Financial ratios as of 31 December 2018


01.01. - 31.12.2018 in %01.01. - 31.12.2017 in %

Cost/income ratio

                        78.3

                        77.5

Return on equity (before tax)

                        5.4

                        5.7


31.12.2018

31.12.2017

CET 1 ratio “fully loaded”

                        14.9

15.2

Total capital ratio “phased in”

                        20.6

                        21.8

Leverage ratio “phased in”

                        5.1

4.9

 Financial ratios

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