Funding Circle Holdings plc (FCH) 2018年年度报告「LSE」.pdf

1、Funding Circle Holdings plcAnnual Report and Accounts 2018BUILDING A BETTER FINANCIAL WORLDContentsSTRATEGIC REPORT1 Highlights2 Funding Circle at a glance4 Chief Executive Officers statement6 Key investment highlights7 Chairmans statement8 Strategic priorities10 Our business model12 Our market16 Va

2、lue proposition for borrowers20 Value proposition for lenders22 Technology and data24 Our people28 Corporate social responsibility30 Key performance indicators32 Finance review36 Risk management39 Principal risks and uncertainties 44 Viability statementCORPORATE GOVERNANCE46 Chairmans introduction48

3、 Board leadership and Company purpose54 Division of responsibilities55 Composition,succession and evaluation56 Audit,risk and internal control57 Report of the Nomination Committee59 Report of the Audit Committee63 Report of the Risk and ComplianceCommittee65 Directors remuneration report67 Directors

4、 remuneration policy73 Annual report on remuneration80 Report of the Directors83 Statement of Directors responsibilities in respect of the financial statementsFINANCIAL STATEMENTS84 Independent auditors report90 Consolidated statement of comprehensive income91 Consolidated balance sheet92 Consolidat

5、ed statement of changes inequity93 Consolidated statement of cash flows94 Notes forming part of the consolidated financial statements127 Independent auditors report131 Company balance sheet132 Company statement of changes inequity133 Company statement of cash flows134 Notes forming part of the Compa

6、ny financial statements141 Shareholder and Company information Arapina is an award-winning healthy lifestyle bakery based in Greenwich,London.Being an avid home baker,founder Michaela began trading in food markets in 2013 with one single product the Arapina chocolate cake.Her delectable treat was an