Funding Circle Holdings plc (FCH) 2020年年度报告「LSE」.pdf

1、HELPING SMALL BUSINESSES WINFunding Circle Holdings plcAnnual Report and Accounts 2020HOW WE DO ITWe deliver an amazing experience for small businessespowered bymachinelearning andtechnology.OUR MISSIONBuild the place where small businesses get the funding theyneed to win.A year of two halves H1 202

2、0 responding to Covid-19 H2 2020 strong demand with H2 2020 UK originations c.1.5 billion,up 91%year-on-yearOur technology platform is transforming theSME borrowingexperience 50%of applications now getting instant decisions Resilient funding and loan performance throughthe recession All investor coh

3、orts expected to deliver positive returns Profitable in H2 2020 Group:H2 2020 20.3 million AEBITDA FY:(63.8)million and H2 2020 7.2 million operating profit.FY:(106.3)million UK:H2 2020 28.6 million AEBITDA.FY:6.5 million and H22020 21.3 million operating profit.FY:(7.9)million Robust net assets of

4、218 million Small increase in net assets since June 2020 Building a dynamic team All Circlers are owners of the business through an equityprogramme 83%would recommend Funding Circle as a place to work 41%gender diversity across the business Statutory financialKPIsTotal income222.0m2019:177.3mLoss be

5、fore tax108.1m2019:84.2mOperationalKPIsLoans under management4.2bn2019:3.7bnOriginations2.7bn2019:2.4bnAPM1KPIsAdjustedEBITDA(63.8)m2019:(27.5)m1.For reconciliation of alternative performance measures(“APM”)to statutory measures refer to page 171.ContentsStrategic report01 Highlights02 Funding Circl

6、e at a glance03 Investment case04 Our 2020 story06 Chairmans statement08 Chief Executive Officers statement10 Our market13 Technology and data14 Our model16 Borrower experience17 Investor experience18 Strategic priorities19 Our people22 Sustainability26 Engaging our stakeholders28 Key performance in