Hoist Finance Ab · OMXSTO:HOFI
Hoist Finance Ab — Q1 2026 Earnings Presentation
14 slides from Hoist Finance Ab's earnings presentation, May 6, 2026
Slide 1: Q1 2026 Results presentation
Q1 202 6 Results presentation 6 May 2026
Slide 2: Today's presenters
Today’s presenters Harry Vranjes Magnus Söderlund Karin Tyche CEO CFO CIRO 2 Classification: Confidential
Slide 3: Strong start of the year
Strong start of the year Highlights Q1 2026 SEK 2.0bn SEK 34.4bn 105 % Investment portfolio Total investment C ollection performance acquisition s portfolio Q1 2025: SEK 961m Q1 2025: 29.0 bn Q1 2025: 103% 19.5 % SEK 394m SEK 3.57 13.86 % Return on equity Profit before tax EPS CET1 - ratio Q1 2025:
Slide 4: Busy investment quarter
Investment portfolio by asset class Investment portfolio by geography Busy investment quarter 8% 4% 17% Spain Germany 34% 8% Italy Investment highlight s Q1 2026 SEK SEK Poland Unsecured 9% 16% 34.4bn Secured 34.4bn France ▪ High activity across all markets , with portfolios 66% 10% UK acquired in e
Slide 5: Strong results despite FX-effects
Strong results despite Group P&L, SEKm Quarter 1 202 6 Quarter 1 202 5 Change Change excl FX Interest income credit portfolio 1,289 1,201 7% FX - effects Interest income co - investment portfolio 67 35 94% Other interest income 147 140 4% Q1 financial summary Interest expense - 505 - 456 11% Net int
Slide 6: Stable performance across the board
Stable performance across the board Financial overview Q1 2026 ▪ Interest income from acquired loan portfolios grew by 7%, lower than BV - growth due to FX and timing effects. SEK 998m Net Interest Income ▪ Interest expense increased since last year on the back of higher deposit volumes . SEK 920m Q
Slide 7: Robust and diversified funding platform
Robust and Total funding with average cost diversified funding platform Funding, SEKbn 60 Average cost of funding, % 4,5% 55 ▪ In March, rolled out our own deposit platform in 4,0% Spain , following the rollout in Germany in Q4 2025. 50 3. 28% Building volumes on own platform expected to 45 3,5% imp
Slide 8: Flexible cost base and tight cost control
Flexible cost base and tight cost control Five quarters cost trend Direct costs Indirect costs FTEs 900 3,000 800 2,661 2,500 2,456 2,518 2,549 700 2,275 2,000 265 271 273 1,031 1,038 1,009 1,025 1,035 4 25 250 248 25 600 1,500 545 501 500 461 65 1,000 435 451 667 675 641 653 674 400 500 300 375 261
Slide 9: Ample investment capacity
Liquidity coverge ratio (LCR), R12 % Ample investment capacity 1,835 1,738 1,738 Capital and liquidity position 1,537 1,595 CET1 - ratio, % 13,86 14 12. 16 % Q1- 25 Q2 - 25 Q3 - 25 Q4 - 25 Q1- 26 12 CET1 - target range 11.16 % 10 8,86 Liquidity reserve, SEKbn 8 27 26 25 27 27 6 4 2 0 Q1- 25 Q2 - 25
Slide 10: Intense start of 2026
Intense start of 2026 Key takeaways Increasing activity level as a Building position in the UK . specialised debt restructurer . Ongoing acquisition of Azzurro Associated, with Having qualified as an SDR, no longer subject to a sizeable SME - portfolio and an efficient the NPL backstop - regulation,
Slide 11: Appendix
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Slide 12: Overview of non-recurring items
Overview of non - recurring items Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 P&L nominal SEKm SEKm SEKm SEKm SEKm Positive book Impairment gains and losses 38 revaluations Portfolio divestments, Derecognition gains and losses 64 Poland and Sweden Total operating income 0 0 0 102 0 Re - structuring, Personnel exp
Slide 13: Status on the SDR criteria
Status on the SDR criteria Fulfilling the full SDR - criteria on each reporting date during the preceding financial year From the regulatory text (article 36(5) CRR), conditions to be complied Hoist Finance at end - Q1 2026: with, on an individual and consolidated basis, to qualify as SDR: T he main
Slide 14: Hoist Finance
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