Funding Circle Holdings plc (FCH) 2022年年度报告「LSE」.pdf

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1、Helping small businesses winFunding Circle Holdings plcAnnual Report and Accounts 2022Small businesses are the engine room of the global economy.Across the globe,SMEs arent given the finance they need to grow.Were here to change that,by making finance accessible,quick and simple.Business owners are

2、forward thinkers.Theyre determined.They stand up to make a difference and work hard to make it happen.They create jobs,support local communities and drive the economy forward.Thatswhywe care about helping them,and why we focus 100%on helping SMEs get the funding they need to win.15bnlent through our

3、 platformsince 20103.7bnloans under management135,000SMEs helped since 2010#1SME lending platform inthe UK Our story so farWe help them grow.ContentsStrategic report01 Highlights02 Funding Circle at a glance04 Why Funding Circle?06 Chairs statement08 Chief Executive Officers statement10 Our market12

4、 Technology and data15 New products and capabilities18 Our strategy20 Key performance indicators22 Our business model24 Our people28 Environment,social and governance(“ESG”)44 Engaging our stakeholders47 Financial review55 Risk management59 Principal risks and uncertainties70 Viability statementCorp

5、orate governance73 Introduction from the Chair74 Board of Directors76 Corporate governance report:Key Board activity Board effectiveness performanceevaluation88 Report of the Nomination Committee91 Report of the Audit Committee96 Report of the Risk and ComplianceCommittee98 Report of the ESG Committ

6、ee100 Directors remuneration report104 Annual report on remuneration116 Report of the Directors119 Statement of Directors responsibilities in respect of the financial statementsFinancial statements121 Independent auditors report128 Consolidated statement of comprehensive income129 Consolidated balan