Funding Circle Holdings plc (FCH) 2021年年度报告「LSE」.pdf

1、Funding Circle Holdings plcAnnual Report and Accounts 202114BN120,0004.5BN#1Our story so farlent through our platform since 2010SMEs helped since 2010loans under managementSME loans platform in the UKBUILD THE PLACE WHERE SMALL BUSINESSES GET THE FUNDING THEY NEED TO WIN.Our missionWE DELIVER AN AMA

2、ZING EXPERIENCE FOR SMALL BUSINESSES POWERED BY MACHINE LEARNING AND TECHNOLOGY.How we do itContentsStrategic report01 Highlights02 Funding Circle at a glance03 Investment case04 Chairs statement06 Chief Executive Officers statement08 Chief Executive Officers Q&A10 Our market12 Technology and data16

3、 New products and capabilities20 Strategic priorities22 Our model24 Our people28 Sustainability38 Engaging our stakeholders42 Key performance indicators44 Financial review51 Risk management55 Principal risks and uncertainties64 Viability statementCorporate governance67 Chairs introduction68 Board of

4、 Directors70 Corporate governance report77 Division of responsibilities78 Board effectiveness performanceevaluation80 Audit,risk and internal control81 Report of the Nomination Committee85 Report of the Audit Committee91 Report of the Risk and ComplianceCommittee93 Report of the ESG Committee96 Dire

5、ctors remuneration report106 Annual report on remuneration120 Report of the Directors123 Statement of Directors responsibilities in respect of the financial statementsFinancial statements125 Independent auditors report132 Consolidated statement of comprehensive income133 Consolidated balance sheet13

6、4 Consolidated statement of changes inequity135 Consolidated statement of cash flows136 Notes forming part of the consolidated financial statements182 Company balance sheet183 Companystatementofchangesinequity184 Company statement of cash flows185 Notes forming part of the Company financial statemen