Helaba Reports Best Semi-Annual Performance Ever (y 2)

        
        Earnings figures, Helaba Group, under IFRS at 30 June 2011
                                  01/01/-30/06/ 01/01/-30/06/
                                      2011         2010   Change
                                     in EUR       in EUR  in EUR
                                     million      million million   in %
        Net interest income          488            492     -4      -0.8
        Provisions for
        losses on loans and advances -99           -134     35      26.1
        Net interest income after
        provisions for losses on
        loans and advances           389           358      31       8.7
        Net commission income        131           131       -         -
        Net trading income           173            33     140    >100.0
        Result of hedges
        /derivatives                  38           -50      88    >100.0
        Net income from non-current
        financial assets (incl.
        assets valued
        using the equity method)     -20            -1     -19   >-100.0
        Other operating result       101           171     -70     -40.9
        General administrative
        expenses                    -479          -516      37       7.2
        of which:
        Banking Levy                  20             -
        Group earnings before taxes  333           126     207    >100.0
        Taxes on income              -62           -31     -31    -100.0
        Group net profit             271            95     176    >100.0

        
        Balance Sheet Development, Helaba Group, under IFRS at 30 June 2011
                                     30/06/2011  31/12/2010        Change
                                       in EUR     in EUR       in EUR     in %
                                      million     million      million
        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

        
        Financial Ratios
        in %                               1/1/-30/6/2011 1/1/-30/6/2010
        Cost Income Ratio[1]                    52.6           66.2
        Return on equity (before taxes)[1]      12.6            5.2
                                             30/06/2011     31/12/2010
        Total capital ratio                     16.8           14.4
        Tier-1 capital ratio                    11.1            9.6

[1]incl. banking levy

        
        Ratings of Helaba
                                Moody's Investors              Standard & Poor's
                                     Service      FitchRatings       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/viability
        rating                          C-               a+            -
        (*) Joint group rating of the Sparkassen-Finanzgruppe Hessen-Thüringen
        (**) Rating watch negative

        
        Press and Communications
        MAIN TOWER . Neue Mainzer Strasse 52-58
        60311 Frankfurt am Main .http://www.helaba.de
        Tel: +49(0)69-9132-2192
        Wolfgang Kuss
        E-Mail: wolfgang.kuss@helaba.de
        Ursula-Brita Krück
        E-Mail: ursula-brita.krueck@helaba.de

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