Aldermore Group PLC (ALD) 2022年年度报告「LSE」.pdf

1、 Aldermore Group PLC Report and Accounts for the year ended 30 June 2022 Company Information 4 Strategic Report Strategic Overview 6 Business Model 12 Market Overview 13 Financial Highlights 15 Business Review Business Finance 21 Retail Finance 22 MotoNovo Finance 23 Central Functions 24 Sustainabil

2、ity 26 Section 172 Statement 33 Energy and Carbon Reporting 36 Corporate Governance Corporate Governance Structure 43 Wates Principles 44 Audit Committee Report 47 Risk Committee Report 50 Remuneration Committee Report 57 Directors Report 61 Risk Management The Groups approach to risk 67 Risk princi

3、ples 67 Risk management and internal control 67 Risk management framework 68 Risk governance and oversight 68 Stress testing 70 Principal risks 71 Emerging risks 75 Credit Risk 78 Financial statements Statement of Directors responsibilities 99 Independent Auditors Report 100 Consolidated financial s

4、tatements 111 Notes to the consolidated financial statements 115 The Company financial statements 182 Notes to the Company financial statements 185 Contents 3 ALDERMORE GROUP PLC Reports and Accounts for the year ended 30 June 2022 Company Information 4 ALDERMORE GROUP PLC Reports and Accounts for t

5、he year ended 30 June 2022 Company Information Non-Executive Directors Pat Butler Richard Banks Desmond Crowley Ruth Handcock Appointed 1 October 2021 John Hitchins Harry Kellan Romy Murray-Appointed 1 August 2021 Alan Pullinger Cathy Turner Executive Directors Steven Cooper Claire Cordell Resigned

6、30 April 2022 Ralph Coates Appointed 1 May 2022 Secretary and Registered Office Clive Parker-Wood Aldermore Group PLC 4th Floor,Block D Apex Plaza,Forbury Road Reading Berkshire RG1 1AX Independent Auditor Deloitte LLP 2 New Street Square London EC4A 3BZ Company number:06764335 Strategic Report 5 AL