Good risk-adjusted returns on portfolio investments made possible through a disciplined, well-supported acquisition process.
Hoist Finance has strict financial requirements for investments and carries out standardised and disciplined acquisition processes. This means that the company’s portfolios generate healthy cash flow and deliver significant returns. Analysis and data processing are fundamental requirements and are fully integrated in pricing and collection.
Continuous investment strategy improvements to achieve the company’s return on equity target to exceed 15 per cent.
In-house collection platforms focus on constructive solutions based on sensitivity towards customers.
The overall goal of Hoist Finance’s working method is to achieve long-term, sustainable repayment plans that generate good results for customers as well as the shareholders.
Hoist Finance moved closer to the customers and improved customer service. This was done primarily through launching self-service platforms in all markets, as well as live-testing new functionalities better suited for customer needs.
Hoist Finance is one of Europe’s preferred partners to international banks in the restructuring of loans, with the know-how and expertise to carry out complex transactions.
Hoist Finance has a strong market position and long-term relationships with leading international banks. As a regulated credit market company, Hoist Finance has profound understanding of banking operations, and its licensed operations are a stamp of approval that distinguishes the company from other industry operators. Hoist Finance has partnered with all of Europe’s ten largest banks by total assets within the past ten years.
Leveraged the company’s status as a regulated entity
The transaction market for non-performing loans is growing.
Hoist Finance considers there to be a number of long-term factors that will continue to increase sales volumes in coming years.
Despite regulatory challenges limiting capacity in the first part of the year, Hoist Finance was able to grow in existing markets, both in unsecured as well as secured NPLs.
Focus on operational efficiency and effectiveness in strategic markets.
Over many years, Hoist Finance has built a strong position in selected European NPL markets. Profitability will be improved by leveraging operational economies of scale.
Improved operational efficiency and continued digitalization.
Hoist Finance’s business is underpinned by an efficient funding model.
Hoist Finance’s operations are funded through deposits from the public and through capital and money market borrowing. In combination with a bilateral loan facility, this generates well-diversified, cost-efficient funding.
Maintained and developed the strong funding base with a shift from SEK to EUR denominated deposits as well as shifting to longer duration, in order to maximize capital efficiency.
Sustainable business practices.
Hoist Finance acts responsibly. Social responsibility is an integral part of our business model and our collaborations with all our stakeholders.