Helaba

One of the leading banks in the German financial capital of Frankfurt am Main, Helaba employs approximately 6,300 people and has total assets of € 212.4 bn. We offer a complete range of financial services from a single source for companies, banks and institutional investors. Sustainable business practices have long been established in Helaba’s business model and go hand in hand with its mandate to operate in the public interest. The aim is to support customers with a range of expert ESG advisory services and suitable financing on their own journey towards a sustainability transformation. We provide innovative, high-quality financial products and services for the Sparkassen. We serve as the Sparkasse central bank for Hesse, Thuringia, North Rhine-Westphalia and Brandenburg, making us a strong partner for some 40 percent of Germany’s Sparkassen. We are the regional market leader in retail banking through our subsidiary Frankfurter Sparkasse and also have a presence in direct banking through 1822direkt. Landesbausparkasse Hessen-Thüringen, Helaba’s independent home loans and savings division, uses the Sparkassen as sales partners and holds a leading market position in the home loans and savings business in Hesse and Thuringia. WIBank, which comes under Helaba’s Public Development and Infrastructure Business unit, supports development programmes for the State of Hesse. We also engage in many areas of public life by sponsoring ground-breaking cultural, educational, environmental, sports and social projects.

Do you have a pool of receivables you would like to exploit for financing?

Then let us structure a suitable asset-backed financing or forfaiting model for you.

As this type of finance is based on your receivables, it enables you to expand your sources of liquidity and preserve your creditlines. The receivables themselves are the basis for procuring funds, making this an optimum form of refinancing in which the maturities are matched.

In addition, you can

• Improve your key balance sheet indicators
• Reduce the size of your balance sheet (especially IFRS and HGB off-balance sheet structures)
• Reduce the size of your current assets

ABS transactions, which we arrange entirely in accordance with your requirements, involve us purchasing receivables, providing liquidity lines and guaranteeing subordinated loans to improve the rating of primary tranches.

We have experience of a wide range of asset classes, for example

• Trade receivables
• Vehicle finance contracts
• Leasing of machinery and equipment

We can securitise your short term assets, finance them through our own balance sheet or engage our special purpose vehicle (conduit) Opusalpha. In addition to portfolios of receivables, we can also purchase individual receivables.