Hoist Finance AB (publ) (HOFI) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.942 -- 00:00:05.988 Thank you very much. Good morning, everyone, and welcome to this Hoist 00:00:05.988 -- 00:00:10.314 Finance earnings call for the fourth quarter and full year of 2025. 00:00:10.314 -- 00:00:12.314 I'm 00:00:12.817 -- 00:00:14.359 Harry 00:00:14.359 -- 00:00:19.385 Vranjes, CEO of Hoist Finance, and with me in the room here is Magnus 00:00:19.385 -- 00:00:25.310 Söderlund, our CFO, and Karin Tycke, our Chief Investor Relations Officer. 00:00:25.310 -- 00:00:30.697 So thank you again for logging on this morning and showing your interest in Hoyst Finance. 00:00:30.697 -- 00:00:35.844 We will try to run through the presentation in some 30 minutes to leave 00:00:35.844 -- 00:00:38.688 ample room for any questions you may have. 00:00:38.688 -- 00:00:44.376 But before we get going on the quarter and the year itself, I just want to take a 00:00:44.376 -- 00:00:48.319 minute on some perspectives on 2025. 2025 00:00:49.824 -- 00:00:51.446 was an action-packed 00:00:51.446 -- 00:00:56.630 year again. with lots of activity on the funding side of the business 00:00:56.630 -- 00:00:59.136 in the beginning of the year. 00:00:59.136 -- 00:01:03.827 But when it came to investments, we started the year slowly with a sleepy first quarter 00:01:03.827 -- 00:01:10.703 with a pipeline that then gradually grew and eventually culminated in Q4. 00:01:10.703 -- 00:01:15.849 and especially in December. So we booked about 4 billion SEC in the quarter, 00:01:15.849 -- 00:01:22.117 which is 40% of our 2025 volumes, and most of that in December. 00:01:22.117 -- 00:01:27.243 So this has been a drag on the interest income development in 2025, but 00:01:27.243 -- 00:01:32.370 will give us a great start in 2026, especially as we have already secured 00:01:32.370 -- ...