Investment management

Specialised debt restructurer

Hoist is a specialised debt restructurer (SDR), a regulatory status for bank-regulated entities whose main activity is the purchase, management and restructuring of non-performing loan (NPL) portfolios. For 30 years, we have acquired portfolios of non-performing consumer (including small business) loans from banks and financial institutions across Europe. 

Our investment strategy

Diversification is central to our investment strategy and risk management. Our portfolio is diversified across national markets, asset classes, originating banks, vintages and sizes - with the average claim in our SEK 39bn investment portfolio at SEK 105,000. We acquire unsecured loans, mainly personal loans and credit card debt - as well as secured loans, primarily mortgages.

A well-diversified investment portfolio

Numbers per Q3 2026

39,973m
Portfolio value (SEK)
1.6bn
Invested volume (SEK)
105,000
Average original claim (SEK)
15
European markets

How we invest

PROACTIVE SOURCING

52% of portfolios acquired in 2025 were from the top-20 largest banking groups in Europe

We focus on bank orginated debt and have strong relationships with banks- and financial institutions across Europe. The claims we acquire are from banks with high origination standards and credit quality, mainly the larger banking groups active in Europe as well as regional banks.

CLEAR GOVERNANCE STRUCTURE

Return on equity-target of >20% at Group-level

Investments are assessed based on a range of financial metrics, with Return on Equity being the core one. Our Investment-team works in close cooperation with our local teams in each country, and they put forward new investment proposals together. Investment decisions are taken following a clear governance structure, where the Board of Directors is the highest decision-making body.

ACTIVE ASSET MANAGEMENT

Strong and stable collection performance

We closely monitor the performance of all our portfolios and are quick to implement actions when a portfolio diverge from the originally assessed cash flow curve. This proactive approach is key to understand our strong collection performance over time. We are in general a long-term owner however also, from time to time, divest portfolios.

Europe map

Pan-European presence

Hoist owns NPL-portfolios in 15 European countries; Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Hungary, Italy, Netherlands, Poland, Portugal, Spain, Sweden, and the United Kingdom.

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Financial targets

Our financial targets are set by our Board of Directors.

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Vision and mission

Our vision and mission summarise what we do and what we aim to achieve.

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Investor information

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