Year-end report 2015

October–December 2015 (year-on-year)

•  Gross cash collections on acquired loan portfolios increased 38 per cent
to SEK 1,032m (750)

•  Total revenue increased 29 per cent to SEK 621m (480)

•  Reported EBIT was SEK 211m (150) and the EBIT-margin was 34 per cent (31).
When adjusted for costs associated with staff changes EBIT was SEK 228m (150)and
the EBIT margin was 37 per cent.

•  Profit before tax totalled SEK 132m (48)

•  Portfolio acquisitions totalled SEK 1,451m (1,544)

•  Basic earnings per share was SEK 1.32 (0.79)
Diluted earnings per share was SEK 1.29 (0.72)1)

Full year 2015 (year-on-year)

• The EBIT was SEK 675m (530) and the EBIT margin was 30 per cent (32)

•  Portfolio acquisitions totalled SEK 4 370m (3 227)

•  Carrying value of acquired loans increased 26 per cent to SEK 11,279m
(8,921)2)

• Gross 120-month ERC (Estimated Remaining Collections) increased 24 per cent
to SEK 19,367m (15,576)3)

• The total capital ratio improved to 15.21 per cent (12.17)

• The CET1 ratio was 12.32 per cent (9.35)

•  Proposed dividend per share of SEK 0.75

1)           Includes effect of 929,627 outstanding warrants. Following the
share split 1:3 each warrant entitles the holder to subscribe for three new
shares. Comparative figures were recalculated as regards the effects of the
share split.

2)           Including run-off consumer loan portfolio and portfolios held in
joint venture.

3)           Excluding run-off consumer loan portfolio and portfolios held in
joint venture.

High acquisition rate and stable earnings

2015 was a very successful and a profitable year for Hoist Finance. All segments
increased their revenues, and total acquisition volumes and earnings are the
highest ever achieved. Several major portfolio acquisitions contributed to this
positive performance.

A key milestone was achieved with Hoist Finance’s listing on the NASDAQ
Stockholm Mid Cap List on 25 March. The listing broadened our ownership base
with a number of Swedish and international institutions, and the company
received another external stamp of approval.

Strong earnings and several major portfolio acquisitions during Q4

Italy continued its profitable growth during the fourth quarter with a strong
operating margin, while several significant Q4 acquisitions resulted in a record
high acquisition rate.

Poland also finished the year with a high level of activity, concluding an
important transaction with an international bank. The transaction involves the
acquisition of loan portfolios and the takeover of employees. Hoist Finance will
open a new office in Gdansk during the first six months of 2016 as a result of
this transaction.

In the UK, the integration of debt purchasing company Compello Holdings Ltd.
proceeded according to plan. Performance was stable in our other markets during
the quarter.

Outlook for 2016

With stricter capital adequacy requirements, European banks will continue to
have a great need to divest non-performing credit portfolios to generate return
on investment capital. Return requirements cannot be achieved with large
portfolios of non-performing loans on the balance sheet – which is the situation
for many international banks. With these continued favourable market conditions,
we are confident as we enter 2016. With Hoist Finance’s strong financial
position and geographic presence, we are well positioned to capitalise on the
growth potential on the market in the years ahead.

For 2016, our goal is to grow in the same way that has been the foundation of
our success so far. This is through a continued very disciplined portfolio
acquisition approach, good cost control and a sustained high rate of
acquisition. And we will continue to actively evaluate opportunities to enter
new geographic markets in Europe.

We will also work to further strengthen our position to ensure that Hoist
Finance is the leading partner of international banks and financial institutions
in Europe.

Our target for 2016 remains to generate acquisition volumes in line with the
previous three years.

Jörgen Olsson

CEO

Hoist Finance AB (publ)

Hoist Finance AB (publ) (the ”Company” or the ”Parent”) is the parent company of
the Hoist Finance group of companies (”Hoist Finance”). The Company’s wholly
owned subsidiary, Hoist Kredit AB (publ) (“Hoist Kredit”) is a regulated credit
market company. Hence, Hoist Finance produces financial statements in accordance
with the Swedish Annual Accounts Act for Credit Institutions and Securities
Companies. In order to assess the operational performance of the debt purchasing
and collection operations and to facilitate comparison with our competitors,
Hoist Finance supplements its statutory financial statements with an operating
income statement. The operating income statement is prepared based on the
accounting and valuation principles used in the statutory financial statements,
with no amendments or adjustments thereto. The information in this year-end
report has been published pursuant to the Swedish Securities Market Act and/or
the Swedish Financial Instruments Trading Act. This information was submitted
for publication on 10 February 2016 at 8:00 AM CET.
Anne Rhenman Eklund

Group Head of Communications and IR

Tel: 46 8 555 177 45
About Hoist Finance

Hoist Finance is a leading debt restructuring partner to international banks and
financial institutions, offering a broad spectrum of advanced solutions for
acquisition and management of non-performing unsecured consumer loans. Hoist
Finance operates through eleven in-house collection centers across Europe,
complemented by local external debt servicing partners. The total carrying value
of Hoist Finance’s acquired loans was approximately SEK 8.9 billion as per 31
December 2014. The parent company Hoist Finance AB (publ) is listed on Nasdaq
Stockholm Mid-Cap list and its subsidiary Hoist Kredit AB (publ) is a regulated
“Credit Market Company” under the supervision of the Swedish Financial
Supervisory Authority (Sw. Finansinspektionen). In Sweden, the company offers
internet-based savings deposit services through HoistSpar, with around 65,000
active accounts.