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Hoist Finance Interim report Q1 2021 The first quarter was characterised by the pandemic and further lockdowns across many of our markets . Q1 financials are heavily impacted by the negative impairments as well as limited investment volumes in 2020 affect- ing revenues . However , the market outlook is positive , supporting our priority to return to growth . " Klaus - Anders Nysteen , CEO Events during the quarter : >> Forward - looking negative impairment of unsecured portfolios of SEK -351m . » Italian portfolio acquired in the securitisation programme . » Digital collection run - rate at 24 per cent . » Confirmed and extended financial targets at the Capital Markets Day . >> New business lines operational as of 1 January 2021 . Subsequent events : >>> At Hoist Finance Annual General Meeting 13 April 2021 Mattias Carlsson was elected as Chairman of the Board . Fredrik Backman , Per Anders Fasth , Niklas Johansson , Helena Svancar and Peter Zonabend were elected as new members of the Board . 173 % C / I ratio excluding items affecting comparability Target < 65 % 9.81 % CET1 ratio -25 % Return on equity excluding items affecting comparability Target > 15 % -14 % Portfolio growth over the last 12 - month period Key ratios¹ ) SEK m Total operating income Profit / loss before tax EBITDA , adjusted C / I ratio , % Return on equity , % Collection performance , % Portfolio acquisitions Basic and diluted earnings per share , SEK SEK M Gross 180 - month ERC Acquired loans Portfolio growth over the last 12 - month period , % Total capital ratio , % CET1 ratio , % Number of employees ( FTES ) 1 ) See Definitions . Quarter 1 2021 Quarter 1 2020 Change , % 319 529 -39 Full - year 2020 2,368 -246 -61 > -100 82 1,171 1,304 -10 4,626 173 111 62 pp 97 -25 -6 -19 pp -1 103 97 6 pp 98 752 545 38 1,761 -2.73 -0.73 > -100 -0.50 31 Mar 2021 31 Dec 2020 Change , % 32,829 32,763 0 21,266 21,075 1 -14 15.59 9.81 1,602 -13 16.49 10.76 1,631 -1 pp -0,90 pp -0,95 pp -2 Statement by the CEO Developments 2021 Quarterly review Financial statements Notes Assurance Definitions Vision & strategy Contact & Calendar