Our Strategy and goals

The credit management sector is an important part in the financial system. Solid experience, knowledge of the regulatory environment and presence in thirteen European markets enable us to offer banks and financial institutions extensive support with debt restructuring solutions.

Hoist Finance acquires unsecured and secured NPL portfolios from financial institutions, where the underlying customers are either consumers or small-ticket SMEs. We also acquire performing loan portfolios with the same customer segments in conjunction with acquisitions of NPLs or at times on an opportunistic basis.  The major share of acquired portfolios are serviced by our own debt collection entities. Third party servicing can be considered occasionally when it is beneficial.

Our operating model consists of two main areas:

• Professional proactive portfolio acquisition and investment processes where risk adjusted ROE is the key factor for determining what to acquire and how to service acquired portfolios
• Data and analytics driven debt collections, using the most appropriate customer channel and method in order to reach optimal collection performance per customer and overall

The strategy is based on four strategic pillars:

Return driven investments

• Active capital and resource allocation to reach attractive risk-adjusted returns

We acquire portfolios that can generate attractive risk-adjusted return on equity and focus our acquisitions on markets where we have experience and reliable data and statistics. We may also acquire portfolios in other markets where we do not operate customer centers, if attractive third-party servicing agreements can be reached. Portfolio investments are based on thorough analyses including market attractiveness, our own capabilities as well as collection performance, relationships with banks and the competitive situation.

Financial targets