Income Statement

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


01.01.-30.06.2019 in m €01.01.-30.06.2018 in m €Change in €Change in %

Net interest income

557

521

36

6.9

Provisions for losses on loans and advances

-34

13

-47

>-100.0

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

                         523

                          534

         -11

         -2.1

Net fee and commission income

186

172

14

8.1

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

78

30

48

>100

Share of profit or loss of equity-accounted entities

3

5

-2

-40.0

Other net operating income

307

179

128

71.5

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

-772

-720

-52

-7.2

Consolidated profit before tax

                     325

              200

                            125

                            62.5


30.06.2019 in bn €31.12.2018 in bn €Change in bn €

Balance sheet total

213.0

163.0

50.0

Business volume

252.1

200.9

51.2

Income statement of Helaba Group (IFRS)

Financial ratios

Financial ratios as of 30 June 2019


01.01. -30.06.2019 in %01.01. - 30.06.2018 in %

Cost/income ratio

                    68.3

             79.4

Return on equity (before tax)

                  7.7

                  5.0


30.06.2019

31.12.2018

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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