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Annual Financial Report 2020 Annual Financial Statements of Helaba

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Annual Financial Report 2020 Annual Financial Statements of Helaba Annual Financial Report 2020 Annual Financial Statements of Helaba Values with impact. Contents Management Report and Annual Financial Statements of Landesbank Hessen-Thüringen Girozentrale 2 Management Report of Landesbank Hessen-Thüringen Girozentrale 64 Annual Financial Statements of Landesbank Hessen-Thüringen Girozentrale 66 Balance Sheet of Landesbank Hessen-Thüringen Girozentrale 70 Income Statement of Landesbank Hessen-Thüringen Girozentrale 72 Notes to the Annual Financial Statements of Landesbank Hessen-Thüringen Girozentrale 128 Responsibility Statement 129 Independent Auditor’s Report 136 Independent Auditor’s Limited Assurance Report Management Report and Annual Financial Statements of Landesbausparkasse Hessen-Thüringen 140 Management Report of Landesbausparkasse Hessen-Thüringen 156 Statistical Annex to the Management Report 169 Annual Financial Statements of Landesbausparkasse Hessen-Thüringen 170 Balance Sheet of Landesbausparkasse Hessen-Thüringen 172 Income Statement of Landesbausparkasse Hessen-Thüringen 174 Notes to the Annual Financial Statements of Landesbausparkasse Hessen-Thüringen 180 Independent Auditor’s Report 183 Advisory Board of Landesbausparkasse Hessen-Thüringen 185 Helaba Addresses Management Report of Landesbank Hessen-Thüringen Girozentrale 4 Management Report Basic Information About the Bank Management Report Basic Information Sparkassen in North Rhine-Westphalia and Brandenburg com- plement the S-Group Concept of the Sparkassen-Finanzgruppe About the Bank Hessen-Thüringen, which continues in its current form. In its capacity as the central development institution for Hesse, Helaba administers public-sector development programmes Business model of the Bank through Wirtschafts- und Infrastrukturbank Hessen ( WIBank). Landesbank Hessen-Thüringen (Helaba) is a credit institution As a dependent institution within Helaba, WIBank enjoys a di- organised under public law; its long-term strategic business rect statutory guarantee from the State of Hesse, which is in model is that of a full-service bank with a regional focus, a pres- compliance with applicable European Union (EU) law. WIBank’s ence in carefully selected international markets and a very close business activities are guided by the development objectives of relationship with the Sparkassen-Finanzgruppe. One key aspect the State of Hesse. Helaba also has stakes in a number of other of Helaba’s business model is its legal form as a public-law in- development institutions in Hesse and Thuringia. stitution. Helaba operates as a for-profit entity in line with the applicable provisions of the Charter and the Treaty of the For- In addition to Helaba, the business model includes further mation of a Joint Savings Banks Association Hesse-Thuringia. strong, well-known brands (in some cases, legally independent The Treaty and the Charter establish the legal framework for subsidiaries) that complement the Group’s product portfolio. Helaba’s business model. Other factors central to this business model are Helaba’s status as part of the Sparkassen-Finanz- Helaba is the market leader in the home loans and savings busi- gruppe with its institutional protection scheme, the distribution ness in both Hesse and Thuringia through Landesbausparkasse of tasks between Sparkassen, Landesbanken and other S-Group Hessen-Thüringen (LBS). companies, the large stake in Helaba owned by the Sparkassen organisation, and Helaba’s retention and expansion of its activ- Frankfurter Sparkasse, a wholly owned subsidiary of Helaba or- ities in the S-Group and public development and infrastructure ganised under German public law, is the leading retail bank in business. the Frankfurt am Main region with around 810,000 customers. It also has a presence in the nationwide direct banking market Helaba serves its clients in three functions: as a commercial through 1822direkt. bank, as a Sparkasse central bank and as a development bank. Frankfurter Bankgesellschaft (Schweiz) AG (FBG) and its wholly As a commercial bank, Helaba operates in Germany and abroad. owned subsidiary Frankfurter Bankgesellschaft (Deutschland) Helaba’s hallmarks include stable, long-term customer relation- AG provide Helaba’s products and services for Sparkassen in ships. It works with companies, institutional clients and the private banking and in the wealth and asset management public sector. businesses. FBG, which operates as the private bank of the Sparkassen- Finanzgruppe, acquires high-net-worth customers Helaba is a Sparkasse central bank and S-Group bank for the in Germany through Sparkassen in the S-Group with which it has Sparkassen in Hesse, Thuringia, North Rhine-Westphalia and a collaboration agreement. In its role as a central partner for the Brandenburg and, therefore, for around 40 % of all Sparkassen Sparkassen, Frankfurter Bankgesellschaft offers the Family Of- in Germany. It operates as a partner to the Sparkassen rather fice service, enhancing its range of professional advisory ser- than as a competitor. vices in connection with all asset-related matters. With the in- vestment in IMAP M&A Consultants AG (Deutschland), Helaba and the S-Group Sparkassen in Hesse and Thuringia Frankfurter Bankgesellschaft extended its range of services for together constitute the Sparkassen-Finanzgruppe Hessen- family-owned businesses from the beginning of 2020 to include Thüringen, which follows a business model based on economic consulting services in connection with mergers and acquisitions unity and a joint S-Group rating. Comprehensive co-operation (M&A). and business agreements have been entered into with the Spar- kassen and their associations in North Rhine-Westphalia. The wholly owned subsidiary Helaba Invest is one of Germany’s In addition, there are sales co-operation agreements with leading institutional asset management companies that admin- the Sparkassen in Brandenburg. The agreements with the ister and manage both securities and real estate. Its product range includes special funds for institutional investors and retail funds as a management and / or advisory portfolio, comprehen- 5 sive fund management (including reporting and risk manage- inary costings are carried out for loan agreements, in particular ment), advice on strategy and support for indirect investments. to ensure that new business is managed with a focus on risk and Within the Sparkassen-Finanzgruppe, Helaba Invest is the larg- profitability. est provider of special funds for institutional investors. Equity is managed through the allocation of regulatory and eco- The GWH Group manages almost 50,000 residential units and nomic limits and through the capital ratio. When the target cap- is therefore one of the largest housing organisations in Hesse. ital ratios are set, the targets take into account the additional The group focuses on developing housing projects, managing own funds requirements specified by the European Central Bank and optimising residential property portfolios, and initiating (ECB). Taking into account the relaxation permitted by the ECB and supporting residential real estate funds. because of the COVID -19 pandemic, the minimum Common Equity Tier 1 (CET1) capital ratio (including capital buffer re- The OFB Group is a full-service group of companies in the fields quirements) required to be maintained by the Helaba Regula- of real estate project development, land development and the tory Group (as defined by the German Banking Act (Kreditwesen- construction and project management of high-value commercial gesetz, KWG) and the Capital Requirements Regulation (CRR)) real estate. It operates throughout Germany with a particular in 2020 under the Supervisory Review and Evaluation Process focus on the Rhine-Main region. (SREP) decision taken by the ECB was 8.75 %. Helaba’s registered offices are situated in Frankfurt am Main and This figure takes into account theECB ’s decision in response to Erfurt, and it also has branches in Düsseldorf, Kassel, Paris, Lon- the COVID-19 pandemic that, with immediate effect in 2020, the don, New York and Stockholm. The branches allow Helaba to capital requirements derived from the SREP need no longer be strengthen its local presence close to customers and Sparkas- held exclusively in the form of Common Equity Tier 1 capital; sen. The foreign branches provide Helaba with access to the instead, some of them can be held in the form of Additional Tier funding markets, particularly those markets based on the 1 capital and Tier 2 capital. In addition, various country-related US dollar and pound sterling. The organisation also includes countercyclical capital buffer rates have been adjusted by na- representative and sales offices, subsidiaries and affiliates. tional supervisory authorities as part of measures implemented to address the impact from the COVID-19 pandemic. Management instruments and non-financial performance indicators Profitability targets are managed on the basis of, for example, As part of managing the Bank as a whole, Helaba has integrated the economic return on equity (ratio of profit before taxes to systems in place for business and productivity management. average capital employed in the financial year determined in This is based on a multi-level margin accounting system. Con- accordance with IFRS). Helaba has set a target range of 5 % to trolling comprises both the management of absolute income 7 % at Group level for economic return on equity before tax. and costs and the integrated management of contribution mar- gins. The target is to achieve a cost-income ratio
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