Financial Data

Helaba Group 2nd quarter of 2010 under IFRS

	01/01– 30/06/2010	01/01- 30/06/2009	Change
	in € million	in € million	in € million	in € million
Loans and advances to banks incl. cash reserve	18,617	15,479	3,138	20.3
Loans and advances to customers	89,881	87,468	2,413	2.8
Impairments on receivables	-1,205	-1,188	-17	-1.4
Assets held for trading	46,360	42,804	3,556	8.3
Positive market value of derivatives not held for trading	4,439	3,374	1,065	31.6
Financial assets, incl. companies accounted for using the equity method	17,314	16,801	513	3.1
Real property; property, plant and equipment; intangible assets	3,583	3,540	43	1.2
Income tax assets	445	428	17	4.0
Other assets	1,249	1,195	54	4.5
Total assets	180,683	169,901	10,782	6.3
Liabilities due to banks	33,844	33,214	630	1.9
Liabilities due to customers	41,836	41,891	-55	-0.1
Securitised liabilities	40,068	38,505	1,563	4.1
Liabilities held for trading	49,289	42,112	7,177	17.0
Negative market value of derivatives not held for trading	4,183	2,849	1,334	46.8
Provisions	1,209	1,098	111	10.1
Income tax liabilities	148	191	-43	-22.5
Other liabilities	604	618	-14	-2.3
Subordinate capital	4,524	4,525	-1	-
Shareholders' equity	4,978	4,898	80	1.6
Total liabilities	180,683	169,901	10,782	6.3

	01/01– 30/06/2010	01/01- 30/06/2009	Change
	in € million	in € million	in € million	in € million
Net interest income	492	493	-1	-0.2
Provisions for losses on loans and advances	-134	-173	39	22.5
Net interest income after provisions for losses on loans and advances	358	320	38	11.9
Net commission income	131	112	19	17.0
Net trading income	33	120	-87	-72.5
Result of hedges /derivatives	-50	67	-117	>-100
Net income from non-current financial assets (incl. assets valued using the equity method)	-1	-15	14	93.3
Other operating result	171	174	-3	-1.7
General administrative expenses	-516	-505	-11	-2.2
Group earnings before taxes	126	273	-147	-53.8
Taxes on income	-31	-88	57	64.8
Group net profit	95	185	-90	-48.6

	Moody’s Investors Service	FitchRatings	Standard & Poor’s Corp.
Long-term liabilities	Aa2	A+^*	A*
Short-term liabilities	P-1	F1+^*	A-1*
Public Pfandbriefe	Aaa	AAA	AAA
Mortgage Pfandbriefe	–	AAA	–
Financial strength/individual rating	C-	B/C^*	–

(*) Joint group rating of the Sparkassen-Finanzgruppe Hessen-Thüringen


	in %
Cost Income Ratio	80.4
Return on equity (before taxes)	5.1
Total capital ratio	12.9
Tier-1 capital ratio	8.5