Financial targets

Profitability and return

By ensuring the right balance between growth, profitability and capital efficiency we aim to achieve a return on equity exceeding 15 per cent.

Capital structure

Under normal conditions, the CET1 ratio should be 2.3–3.3 percentage points above overall CET1 requirements specified by the Swedish Financial Supervisory Authority.

Growth

EPS (adjusted for AT1 costs) should grow by an average annual growth rate of 15 per cent over a business cycle.

Dividend policy

Hoist Finance’s dividend will in the long-term correspond to 25–30 per cent of the annual net profit of the group. The dividend will be determined annually, with respect to the company’s and group’s capital target and the outlook for profitable growth.