Q4 2023 Hoist Finance AB (publ) Earnings Call Transcript
Good morning, everyone, and welcome to the Hoist Finance Earnings Call for the Fourth Quarter and Full Year 2023. I am a Harry Vranjes, CEO of Hoist Finance for a year now. And next to me, I have our CFO, Christian Wallentin. So together, we will take you through the results and highlights of the fourth quarter and the year.
And before we dive into the material I just want to very shortly go through who we are and what Hoist Finance is essentially we are a performing financial institution working with non-performing loans and those of you who have followed us for a while. As you know, we are a bit of a different animal compared to the rest of the of the industry Hoist Finance is a regulated credit market institution supervised by the Swedish FSA.
As such, we have a different regulatory environment, obviously, and also a different funding model compared to our peers. Our main funding source is about 70% coming from savings accounts from the public, the remaining 30 various types of bonds that we hold to ensure a balanced funding mix and reliable
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