Regional Management Corp (RM) 2021年年度报告「NYSE」.pdf

1、2021 Annual ReportFiscal Year 2021 Form 10-KProxy Statement for the2022 Annual Meeting of StockholdersRegional Management Corp.|2021 Annual Report|Fiscal Year 2021 Form 10-K|Proxy Statement for the 2022 Annual Meeting of StockholdersRegional Management Corp.979 Batesville Road,Suite BGreer,South Car

2、olina Dear Valued Stockholders:As I reflect on 2021,Im proud of our teams relentless execution on our strategic growth initiatives and our companys delivery ofstrong results that benefit all stakeholders,most importantly our shareholders,customers,team members,and communities.We onceagain demonstrat

3、ed our ability to produce exceptional outcomes despite a challenging macroeconomic environment.For our shareholders,we continued to deliver consistent,predictable,and superior results.We grew our loan portfolio,gainedmarket share,maintaineda strong credit profile,appropriately managed our operating

4、expenses,diversified our funding sources,decreased our funding costs,hedged our interest rate risk,and posted a number of annual and quarterly records on both our incomestatement and balance sheet.Record loan originations throughout the year drove our ending net finance receivables to an all-time hi

5、ghof$1.4 billion at the end of 2021,up 26%from 2020.Our receivables growth in turn fueled record revenue of$428 million in 2021,up15%from 2020,while delinquencies and net credit losses remained near historic lows thanks to the quality and adaptability of ourunderwriting criteria and our custom score

6、cards.We finished the year with a record$88.7 million of net income,$8.33 of diluted EPS,7.2%ROA,and 31.6%ROE.Our 2021 results were far and away the best in our companys history.Beyond delivering excellentoperational and financial results,we returned capital to our shareholders in 2021 in the form o