Financial data
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 Service | FitchRatings | Standard & 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 |