NPLs in the banking system

It is a natural part of lending that a certain percentage of the loans issued within the banking system will inevitably default. Nonetheless, NPLs are a problem, for the individual borrower and for the lending bank, as well as - ultimately - for the financial system and systemic stability. By acquiring and managing NPL-portfolios over the long term, Hoist Finance contributes to a sustainable and resilient financial system in Europe.

Explore our value creation

A business model on three pillars

Our business model combines efficient and data-driven investment management - with long-term loan management.

Investment management

We acquire portfolios of non-performing consumer and small business loans from European banks and financial institutions.

Read more

Loan management

As we have onboarded a new portfolio, we contact each borrower, aiming to agree on sustainable repayment plans tailored for each individual.

Read more

Capital and funding

The majority of our funding comes from deposits from the general public, where we through HoistSpar offer savings accounts in seven European countries.

Read more

Investment management

We acquire portfolios of non-performing consumer and small business loans from European banks and financial institutions.

Read more

Loan management

As we have onboarded a new portfolio, we contact each borrower, aiming to agree on sustainable repayment plans tailored for each individual.

Read more

Capital and funding

The majority of our funding comes from deposits from the general public, where we through HoistSpar offer savings accounts in seven European countries.

Read more

Explore more

OUR INDUSTRY

The European NPL-market

European banks and financial institutions sell NPL portfolios on a specialised market.

Learn about the NPL market

INVESTORS

Financial results and reports

Hoist Finance is publicly listed on Nasdaq OMX and also issues various types of bonds. View our financial results and reports on our dedicated IR site.

View financial reports

OUR PURPOSE

Leading NPL asset manager

We contribute to a stable financial system in Europe. Our vision and mission define our direction forward and our purpose.

Explore our vision and mission

Get in touch

Previous
Next

Media

Are you a media representatives? You are welcome to contact our press team.

Media contact

Contact us

Find contact details to our teams around Europe and ways to connect with Hoist Finance.

Office addresses

Looking for attractive savings accounts?

We offer savings accounts with attractive interest rates in several European countries.

Our savings accounts