Balance sheet development since 2011

Helaba Group 3rd Quarter 2011 under IFRS

	30/09/2011	31/12/2010	Change
	in € million	in € million	in € million	in %
Loans and advances to banks incl. cash reserve	16,012	14,848	1,164	7.8
Loans and advances to customers	84,001	87,698	-3,697	-4.2
Impairments on receivables	-1,117	-1,253	136	10.9
Assets held for trading	45,697	39,176	6,521	16.6
Positive market value of derivatives not held for trading	4,162	3,702	460	12.4
Financial assets, incl. companies accounted for using the equity method	19,683	17,750	1,933	10.9
Real property; property, plant and equipment; intangible assets	2,901	2,922	-21	-0.7
Income tax assets	453	452	1	0.2
Other assets	1,057	949	108	11.4
Total assets	172,849	166,244	6,605	4.0
Liabilities due to banks	32,241	31,679	562	1.8
Liabilities due to customers	40,567	40,896	-329	-0.8
Securitised liabilities	37,043	40,389	-3,346	-8.3
Liabilities held for trading	47,219	38,529	8,690	22.6
Negative market value of derivatives not held for trading	3,866	3,148	718	22.8
Provisions	1,240	1,190	50	4.2
Income tax liabilities	220	238	-18	-7.6
Other liabilities	496	484	12	2.5
Subordinate capital	4,489	4,488	1	-
Shareholders' equity	5,468	5,203	265	5.1
Total liabilities	172,849	166,244	6,605	4.0

Helaba Group 2nd Quarter 2011 under IFRS


	30/06/2011	31/12/2010	Change
	in € million	in € million	in € million	in %
Loans and advances to banks incl. cash reserve	13,331	14,848	-1,517	-10.2
Loans and advances to customers	83,068	87,698	-4,630	-5.3
Impairments on receivables	-1,232	-1,253	21	1.7
Assets held for trading	36,289	39,176	-2,887	-7.4
Positive market value of derivatives not held for trading	2,756	3,702	-946	-25.6
Financial assets, incl. companies accounted for using the equity method	19,102	17,750	1,352	7.6
Real property; property, plant and equipment; intangible assets	2,898	2,922	-24	-0.8
Income tax assets	447	452	-5	-1.1
Other assets	1,065	949	116	12.2
Total assets	157,724	166,244	-8,520	-5.1
Liabilities due to banks	30,777	31,679	-902	-2.8
Liabilities due to customers	39,487	40,896	-1,409	-3.4
Securitised liabilities	37,430	40,389	-2,959	-7.3
Liabilities held for trading	35,725	38,529	-2,804	-7.3
Negative market value of derivatives not held for trading	2,428	3,148	-720	-22.9
Provisions	1,221	1,190	31	2.6
Income tax liabilities	220	238	-18	-7.6
Other liabilities	566	484	82	16.9
Subordinate capital	4,386	4,488	-102	-2.3
Shareholders' equity	5,484	5,203	281	5.4
Total liabilities	157,724	166,244	-8,520	-5.1

Helaba Group 1st Quarter 2011 under IFRS

	31 Mar. 2011	31 Dec. 2010	Change
	in € million	in € million	in € million	in per cent
Loans and advances to banks incl. cash reserve	13,043	14,848	-1,805	-12.2
Loans and advances to customers	85,112	87,698	-2,586	-2.9
Impairments on receivables	-1,265	-1,253	-12	-1.0
Assets held for trading	37,571	39,176	-1,605	-4.1
Positive market value of derivatives not held for trading	2,737	3,702	-965	-26.1
Financial assets, incl. companies accounted for using the equity method	18,332	17,750	582	3.3
Real property; property, plant and equipment; intangible assets	2,903	2,922	-19	-0.7
Income tax assets	464	452	12	2.7
Other assets	1,021	949	72	7.6
Total assets	159,918	166,244	-6,326	-3.8
Liabilities due to banks	30,677	31,679	-1,002	-3.2
Liabilities due to customers	40,252	40,896	-644	-1.6
Securitised liabilities	38,426	40,389	-1,963	-4.9
Liabilities held for trading	36,512	38,529	-2,017	-5.2
Negative market value of derivatives not held for trading	2,297	3,148	-851	-27.0
Provisions	1,199	1,190	9	0.8
Income tax liabilities	275	238	37	15.5
Other liabilities	538	484	54	11.2
Subordinate capital	4,470	4,488	-18	-0.4
Shareholders' equity	5,272	5,203	69	1.3
Total liabilities	159,918	166,244	-6,326	-3.8

Helaba Group 2010

	31 Dec. 2010	31 Dec. 2009	Change
	in € million	in € million	in € million	in per cent
Loans and advances to banks incl. cash reserve	14,848	15,478	-630	-4.1
Loans and advances to customers	87,698	87,468	230	0.3
Impairments on receivables	-1,253	-1,188	-65	-5.5
Assets held for trading	39,176	42,805	-3,629	-8.5
Positive market value of derivatives not held for trading	3,702	3,374	328	9.7
Financial assets, incl. companies accounted for using the equity method	17,750	16,801	949	5.6
Real property; property, plant and equipment; intangible assets	2,922	3,540	-618	-17.5
Income tax assets	452	427	25	5.9
Other assets	949	1,195	-246	-20.6
Total assets	166,244	169,900	-3,656	-2.2
Liabilities due to banks	31,679	33,214	-1,535	-4.6
Liabilities due to customers	40,896	41,882	-986	-2.4
Securitised liabilities	40,389	38,505	1,884	4.9
Liabilities held for trading	38,529	42,112	-3,583	-8.5
Negative market value of derivatives not held for trading	3,148	2,849	299	10.5
Provisions	1,190	1,098	92	8.4
Income tax liabilities	238	191	47	24.6
Other liabilities	484	618	-134	-21.7
Subordinate capital	4,488	4,525	-37	-0.8
Shareholders' equity	5,203	4,906	297	6.1
Total liabilities	166,244	169,900	-3,656	-2.2

Helaba Group 3rd Quarter 2010 under IFRS

	30/09/2010	31/12/2009	Change
	in € million	in € million	in € million	in %
Loans and advances to customers incl. cash reserve	16,269	15,479	790	5.1
Loans and advances to customers	87,629	87,468	161	0.2
Impairments on receivables	-1,270	-1,188	-82	-6.9
Assets held for trading	44,907	42,804	2,103	4.9
Positive market value of derivatives not held for trading	4,926	3,374	1,552	46.0
Financial assets, incl. companies accounted for using the equity method	17,739	16,801	938	5.6
Real property; property, plant and equipment; intangible assets	3,512	3,540	-28	-0.8
Income tax assets	383	428	-45	-10.5
Other assets	1,257	1,195	62	5.2
Total assets	175,352	169,901	5,451	3.2
Liabilities due to banks	33,104	33,214	-110	-0.3
Liabilities due to customers	41,894	41,891	3	-
Securitised liabilities	40,031	38,505	1,526	4.0
Liabilities held for trading	45,025	42,112	2,913	6.9
Negative market value of derivatives not held for trading	3,653	2,849	804	28.2
Provisions	1,197	1,098	99	9.0
Income tax liabilities	141	191	-50	-26.2
Other liabilities	605	618	-13	-2.1
Subordinate capital	4,579	4,525	54	1.2
Shareholders' equity	5,123	4,898	225	4.6
Total liabilities	175,352	169,901	5,451	3.2

Helaba Group 2nd Quarter 2010 under IFRS

	01/01– 30/06/2010	01/01- 30/06/2009	Change
	in € million	in € million	in € million	in %
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

Helaba Group 1st Quarter 2010 under IFRS

	31/03/2010	31/12/2009	Change
	in € million	in € million	in € million	in %
Loans and advances to banks including cash reserves	16,941	15,479	1,462	9.4
Loans and advances to customers	88,606	87,468	1,138	1.3
Valuation allowances on loans and advances	-1,271	-1,188	-83	-7.0
Trading assets	45,372	42,804	2,568	6.0
Positive fair value of banking book derivatives	3,749	3,374	375	11.1
Non-current financial assets	16,875	16,801	74	0.4
Property, tangible assets, intangible assets	3,511	3,540	-29	-0.8
Tax assets	413	428	-15	-3.5
Other assets	1,194	1,195	-1	-0.1
Total Assets	175,390	169,901	5,489	3.2
Liabilities to banks	33,223	33,214	9	-
Liabilities to customers	42,645	41,891	754	1.8
Securitised liabilities	38,790	38,505	285	0.7
Trading liabilities	45,951	42,112	3,839	9.1
Negative fair value of banking book derivatives	3,171	2,849	322	11.3
Provisions	1,095	1,098	-3	-0.3
Tax liabilities	198	191	7	3.7
Other liabilities	676	618	58	9.4
Subordinated debt	4,601	4,525	76	1.7
Equity	5,040	4,898	142	2.9
Total Liabilities	175,390	169,901	5,489	3.2

Helaba Group 2009 under IFRS

	31/12/2009	31/12/2008	Change
	in € million	in € million	in € million	in %
Loans and advances to banks including cash reserves	15,479	17,875	-2,396	-13.4
Loans and advances to customers	87,468	90,957	-3,489	-3.8
Valuation allowances on loans and advances	-1,188	-1,040	-148	-14.2
Trading assets	42,804	51,487	-8,683	-16.9
Positive fair value of banking book derivatives	3,374	4,097	-723	-17.6
Noncurrent financial assets including companies valued using the equity method	16,801	16,206	595	3.7
Property, tangible assets, intangible assets	3,540	2,706	834	30.8
Tax assets	428	456	-28	-6.1
Other assets	1,195	1,828	-633	-34.6
Total Assets	169,901	184,572	-14,671	-7.9
Liabilities to banks	33,214	33,965	-751	-2.2
Liabilities to customers	41,891	41,884	7	-
Securitised liabilities	38,505	40,601	-2,096	-5.2
Trading liabilities	42,112	53,469	-11,357	-21.2
Negative fair value of banking book derivatives	2,849	3,400	-551	-16.2
Provisions	1,098	1,017	81	8.0
Tax liabilities	191	275	-84	-30.5
Other liabilities	618	757	-139	-18.4
Subordinated debt	4,525	4,529	-4	-0.1
Equity	4,898	4,675	223	4.8
Total Liabilities	169,901	184,572	-14,671	-7.9

* The published consolidated figures are based on the annual statement of accounts drawn up in accordance with IFRS and which has received the auditors' unqualified certificate, but which has not yet been approved by the corporate bodies.

Helaba Group 3rd Quarter 2009 under IFRS

	30/09/2009	31/12/2008	Change
	€ bn	€ bn	€ bn	in %
Loans and advances to banks incl. cash reserve	15.9	17.9	-2.0	-11.2
Loans and advances to customers	90.3	91.0	-0.7	-0.8
Impairments on receivables	-1.1	-1.0	-0.1	-10.0
Assets held for trading	46.3	51.5	-5.2	-10.1
Positive market value of derivatives not held for trading	4.0	4.1	-0.1	-2.4
Financial assets incl. companies accounted for using the equity method	16.8	16.2	+0.6	3.7
Property, plant and equipment, income tax assets and other assets	4.7	4.9	- 0.2	-4.0
Total assets	176.9	184.6	-7.7	-4.2
Liabilities due to banks	33.6	34.0	-0.4	-1.2
Liabilities due to customers	42.6	41.9	0.7	1.7
Securitized liabilities	39.6	40.6	-1.0	-2.5
Liabilities held for trading	46.9	53.5	-6.6	-12.3
Negative market value of derivatives not held for trading	2.9	3.4	-0.5	-14.7
Provisions, income tax liabilities and other liabilities	1.8	2.0	-0.2	-10.0
Subordinate capital	4.6	4.5	+0.1	2.2
Shareholders’ equity	4.9	4.7	+0.2	4.3
Total liabilities	176.9	184.6	-7.7	-4.2

Helaba Group 2nd Quarte 2009 under IFRS

	30/06/2009	31/12/2008	Change
	in € million	in € million	in € million	in %
Loans and advances to banks incl. cash reserve	16,671	17,875	-1,204	-6.7
Loans and advances to customers	90,204	90,957	-753	-0.8
Impairments on receivables	-1,029	-1,040	11	1.1
Assets held for trading	49,660	51,487	-1,827	-3.5
Positive market value of derivatives not held for trading	3,516	4,097	-581	-14.2
Financial assets, incl. companies accounted for using the equity method	16,626	16,206	420	2.6
Investment property	1,786	1,748	38	2.2
Property, plant and equipment	680	771	-91	-11.8
Intangible assets	178	187	-9	-4.8
Income tax assets	495	456	39	8.6
Available-for-sale non-current assets and disposal groups	325	626	-301	-48.1
Other assets	1,240	1,202	38	3.2
Total assets	180,352	184,572	-4,220	-2.3
Liabilities due to banks	33,114	33,965	-851	-2.5
Liabilities due to customers	43,964	41,884	2,080	5.0
Securitised liabilities	40,189	40,601	-412	-1.0
Liabilities held for trading	49,161	53,469	-4,308	-8.1
Negative market value of derivatives not held for trading	2,784	3,400	-616	-18.1
Provisions	1,017	1,017	-	-
Income tax liabilities	291	275	16	5.8
Liabilities attributable to available-for-sale non-current assets and disposal groups	14	116	-102	-87.9
Other liabilities	551	641	-90	-14.0
Subordinate capital	4,504	4,529	-25	-0.6
Shareholders' equity	4,763	4,675	88	1.9
Total liabilities	180,352	184,572	-4,220	-2.3

Helaba Group 1st Quarter 2009 under IFRS

	31/03/2009	31/12/2008	Changes
	In €m.	In €m.	in €m.	in %
Loans and advances to customers incl. cash reserve	17,504	17,875	-371	-2.1
Loans and advances to customers	90,727	90,957	-230	-0.3
Value allowances on loans and advances	-1.054	-1,040	-14	-1.3
Trading assets	53,062	51,487	1,575	3.1
Positive fair value of banking book derivatives	4,141	4,097	44	1.1
Non-current financial assets incl. companies valued using the equity method	16,406	16,207	199	1.2
Property, tangible assets, intangible assets	2,683	2,706	-23	-0.8
Tax asset	489	456	33	7.2
Other assets	2,382	1,827	555	30.4
Total assets	186,340	184,572	1,768	1.0
Liabilities to banks	32,955	33,965	-1,010	-3.0
Liabilities to customers	43,027	41,884	1,143	2.7
Securitized liabilities	40,986	40,601	385	0.9
Trading liabilities	53,608	53,469	139	0.3
Negative fair value of banking book derivatives	3,451	3,400	51	1.5
Provisions	1,016	1,017	-1	-0.1
Tax liabilities	266	275	-9	-3.3
Other liabilities	1,729	757	972	>100.0
Subordinated debt	4,610	4,529	81	1.8
Equity	4,692	4,675	17	0.4
Total liabilities	186,340	184,572	1,768	1.0