Income Statement

Income statement of Helaba Group (IFRS) as of 31 December  2019


01.01.-31.12.2019 in m €

01.01.-31.12.2018 in m €

Change in m €

Change in %

Net interest income

1,191

1,072

119

11.1

Provisions for losses on loans and advances

-86

45

-131

>-100.0

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

1,105

                 1,117

-12

         -1.1

Net fee and commission income

395

349

46

13.2

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

143

45

98

-100.0

Share of profit or loss of equity-accounted entities

24

13

11

84.6

Other net operating income

387

370

17

4.6

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

-1,521

-1,451

-70

-4.8

Consolidated profit before tax

             533

443

               90

20.3


01.01.-31.12.2019 in bn €

01.01.-31.12.2018 in bn €

Change in bn €

Balance sheet total

207.0

163.0

44.0

Business volume

245.7

200.9

44.8

Income statement of Helaba Group (IFRS)

Financial ratios

Financial ratios as of 31 December 2019


2019 financial year in %

2018 financial year in %

Cost/income ratio

             71.1

      78.5

Return on equity (before tax)

                  6

                  5.0


31.12.2019 in %

31.12.2018 in %

CET 1 ratio “fully loaded”

                      14.6

                        14.9

Total capital ratio “phased in”

                19.7

20.6

Leverage ratio “phased in”

                      4.3

                        5.1

 Financial ratios

Ratings

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

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