Funding Circle Holdings plc (FCH) 2019年年度报告「LSE」.pdf

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1、Funding Circle Holdings plcAnnual Report and Accounts 2019Funding Circle Holdings plcAnnual Report and Accounts 2019BELIEVE IN THOSEMADE TO DO MOREIGNITING OPPORTUNITIESWe ignite opportunities for businesses andinvestorsbyproviding a better OperationalLeading SME lending platform Loans under managem

2、ent 3.73 billion(up19%)Originations of 2.35 billion(up 3%)c.80,000 small businesses accessed finance since 2010,with NetPromoter Score of 8090 for borrowers in the UKand USDeep and diverse investor base Investor returns expected to deliver 5.07.8%in the UK and USfor loans originated in 2019,10-30%hi

3、gher than returns in2018 Successfully launched two new products,Funding Circle sponsored ABS bonds andPrivate FundsCompleted initial build of instant decision lendingplatform New platform will drive superior customer experience andcompetitive advantage Initial pilots rolled out in Q4 2019 in the UK

4、and first loans tookon average 6 minutes from application to approval On track to roll out to c.50%of borrowers by the end of 2020Building a dynamic team Circlers are owners of the business through equity programme 83%CEO approval on Glassdoor 44%gender diversity at Global Leadership Team levelFinan

5、cial Originations2.4bn2018:2.3bnLoss before tax284.2m2018:50.9mRevenue167.4m2018:141.9mStatutory financialKPIsAPM1KPIsOperationalKPIsSegment adjustedEBITDA1,211.2m2018:12.1m Adjusted EBITDA1,2(27.5)m2018:(23.4)mLoans under management3.7bn2018:3.1bn1.Revenue refers to Net Income.For reconciliation of

6、 alternative performance measures(“APM”)to statutory measures refer to page 34.2.Restated for the impact of IFRS 16(refer to page 102).ContentsSTRATEGIC REPORT1 Highlights2 Funding Circle at a glance4 Chairmans statement6 Chief Executive Officers statement10 Our market12 Our business model14 Strateg