Hoist Finance Ab · OMXSTO:HOFI
Hoist Finance Ab — Q3 2026 Earnings Presentation
14 slides from Hoist Finance Ab's earnings presentation, Oct 23, 2026
Slide 1: Q3 2026 Results presentation
Q3 202 6 Results presentation 23 October 2026
Slide 2: Today's presenters
Today’s presenters Harry Vranjes Magnus Söderlund Karin Tyche CEO CFO CIRO 2 Public information
Slide 3: Strong and steady delivery with high profitability
Strong and steady delivery with high profitability Highlights Q3 2026 SEK 1.6 bn SEK 40 .0 bn 103 % Investment portfolio Total investment C ollection performance acquisition s portfolio Q3 2025: SEK 2.4bn Q3 2025: 31.6 bn Q3 2025: 1 03 % 21.2 % SEK 503 m SEK 4.05 12.88 % Return on equity Profit befo
Slide 4: Softer investment quarter after high H1 activity
Investment portfolio by asset class Investment portfolio by geography Softer investment quarter after high H1 - 7% 4% 15% Italy UK 30% 7% activity SEK Unsecured 10% SEK 15% Spain Poland Investment highlight s Q3 2026 40.0bn Secured 40.0bn Germany France 70% 14% ▪ Continued active market with SEK 1.6
Slide 5: Stronger results from larger portfolio
Stronger results from Change SEKm Q3'26 Q3'25 Change larger portfolio Interest income investment portfolio 1,542 1,238 25% excl. fx Q3 financial summary Interest income coinvest portfolio 68 47 45% Other interest income 170 144 18% Interest expense - 537 - 492 9% Net interest income 1,244 937 33% 33
Slide 6: Steady performance in a seasonally slow quarter
Steady performance in a seasonally slow quarter Financial overview Q3 2026 ▪ Interest income from acquired loan portfolios, incl co - investments, 25% up from last year – in line with FX - SEK 1,244 m adjusted portfolio growth. Net interest income SEK 937m Q3 2025 ▪ Interest expense increased by 9%
Slide 7: Five quarters cost trend
Five quarters cost trend MSEK Direct costs Indirect costs FTE 900 3,500 3,075 2,994 1,252 1,237 800 2,661 3,000 2,518 2,549 144 148 700 2,500 282 1,025 1,035 629 273 266 1,009 17 2,000 250 248 25 33 10 600 545 530 501 1,500 500 65 689 451 676 1,000 641 654 674 400 441 500 390 300 353 375 248 249 256
Slide 8: Stable funding platform
Stable funding platform • Average funding cost came down to 3.21% from Funding 1, SEKbn Avg. cost of funding 3.23% in Q2, despite higher market interest rates , reflecting deposits with fixed term of an 60 4,50% average 1.2 years (approx.). 55 3.87% 4,00% • Successfully issued SEK 300m tier 2 instru
Slide 9: Robust, organic capital generation
Liquidity coverge ratio (LCR), R12 % Robust, organic capital generation 1,854 1,835 1,738 1,780 Capital and liquidity position 1,595 CET1 - ratio, % 14 12.88 12. 25 % Q3 - 25 Q4 - 25 Q1- 26 Q2 - 26 Q3 - 26 12 CET1 - target range 3.93 11.25 % 10 8.95 Liquidity reserve, SEKbn 8 27 27 27 27 25 6 4 2 0
Slide 10: High activity level going into the final months of 2026
High activity level going into the final months of 2026 Key takeaways Stable operational delivery, Building position in the UK . strong profitability. With the integrated of Azzurro in the UK in full Despite a seasonally slower Q3, stable swing, we have signed our first investments collection perfor
Slide 11: ® i) (=| =] £ & @ =
® i) (=| =] £ & @ 3 =
Slide 12: Overview of non-recurring items
Overview of non - recurring items Q3'25 Q4'25 Q 1’26 Q 2 '26 Q 3 '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 Other operating income 164 VAT refund Total operating income
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 - Q3 2026: with, on an individual and consolidated basis, to qualify as SDR: T he main
Slide 14: Hoist Finance
HoistFinance