The Value we Create - Hoist Finance Annual Report 2019

Stakeholders	Value	...in numbers 2019
Customers	Sustainable payment plans so that customers can regain control over their finances.	170,000 monthly customer dialougues 200,000 new payment plans set up EUR 54 average affordable, monthly customer payments
Shareholders	A long-term investment with a healthy dividend and a good value growth.	7,429 Shareholders 16% return on share
Deposit customers	Online deposit savings platform in Sweden (HoistSpar) and Germany with competitive interest rates.	75,791 Deposit customers Up to 1.75% interest rate
Our People	Opportunity to work in a stimulating environment with engaging company culture. Opportunities for personal development.	90% response rate in Great Place to Work survey 12% increase in the number of employees saying Hoist Finance is a Great Place to Work, compared to 2018. 216 Managers completed educations in Hoist Finance Academy.
Banks and financial institutions	Reduced risk exposure. Increased cash flow, strengthening liquidity. Higher return on equity. Increased focus on core business.	SEK 5,952 million in portfolio acquisitions. 35% of acquisitions within the Secured NPL asset class.
Society	Contribute to a healthy financial eco-system. Meet customer needs and societal expectations through our digital developments. Preventative actions to support people not to end up in bad debt.	5 SDGs and targets selected 15% digital collections

Business model for value creation