Financial data

Helaba's income statements and financial ratios today and four years before

Income Statement

Income statement of Helaba Group (IFRS) as of 31 December  2025

01.01.-31.12.2025 in m €

01.01.-31.12.2024 in m €

Change in m €

Change in %

Net interest income

1,620

1,797

(194)

(10.8)

Provisions for losses on loans and advances

(265)

(351)

85

24.4

Net interest income after provi­sions for losses on loans and ad­vances

1,337

1,446

(109)

(7.5)

Net fee and commission income

594

578

16

2.8

Result from investment property

308

289

19

6.6

Result from fair value measurement

228

96

132

>100

Other net operating income (incl.
share of profit or loss of equity-accounted entities)

171

158

14

8.6

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

(1,907)

(1,798)

(108)

(6.0)

Consolidated net profit before tax

  731

767

          (37)

(4.8)

Income statement of Helaba Group (IFRS)

Financial ratios

Financial ratios as of 31 December 2025

01.01. -31.12.2025 in %

01.01.-31.12.2024 in %

Cost/income ratio

65.7

61.7

Return on equity (before tax)

6.7

        7.3

31.12.2025 in %

31.12.2024 in %

CET 1 ratio 

                  16.7

     14.2

Total capital ratio

     22.0

19.0

Leverage ratio

              5.4

        5.2

 Financial ratios

Ratings

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

Learn more

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