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Hoist Finance Interim report Q3 2021 During Q3 we completed the performance review started during the summer . We have identified actions needed to strengthen our core business and improve results . We have initiated a transformation program to lower absolute costs , improve productivity and increase growth . Execution has started on several fronts . " Per Anders Fasth , CEO Key ratios " 5 % Return on equity SEKM 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 SEKM Gross 180 - month ERC Acquired loans Statement by the CEO Total capital ratio , % CET1 ratio , % Number of employees ( FTES ) 1 ) See Definitions . Developments 2021 Quarterly review 88 % C / I ratio Quarter 3 2021 642 82 1,132 88 5 99 1,226 0.58 30 Sep 2021 32,643 21,423 15.57 9.78 1,579 Financial statements Quarter 3 2020 679 140 1,039 80 9 103 264 0.98 31 Dec 2020 32,763 21,075 16.49 10.76 1,631 Change , % -5 -41 9 8 pp -4 pp -4 pp > 100 -41 Notes Change , % O 2 -0.92 pp -0.98 pp -3 9.78 % Jan - Sep 2021 1,585 -112 3,472 107 -9 101 2,835 -2.93 Assurance CET1 ratio Jan - Sep Change , 2020 1,720 % -8 > -100 10 8 pp -7 pp 4 pp > 100 > 100 14 3,156 99 -2 97 871 -0.81 Definitions Full - year 2020 2,368 82 4,626 97 -1 98 1,761 -0.50 Vision & strategy Contact & Calendar