Regional Management Corp (RM) 2022年年度报告「NYSE」.pdf

1、2022 Annual ReportFiscal Year 2022 Form 10-KProxy Statement for the2023 Annual Meeting of StockholdersCoast to CoastCommitmentRegional Management Corp.|2022 Annual Report|Fiscal Year 2022 Form 10-K|Proxy Statement for the 2023 Annual Meeting of StockholdersRegional Management Corp.979 Batesville Roa

2、d,Suite BGreer,South Carolina Dear Valued Stockholders:Despite 2022 being a volatile year in the US economy,with inflation rates not seen in 40+years and the ensuing rapid interest ratehikes to fight inflation,our efforts over the past few years to strengthen our balance sheet,invest in our omni-cha

3、nnel operating modeland footprint,and enhance our custom underwriting model,allowed us to manage through the year and exit 2022 in a strong position.This position of strength grants us the ability to navigate the current economic environment and to respond quickly when conditionsimprove.Our team rem

4、ains committed to serving our customers with financial solutions to meet their evolving needs and support theirlong-term financial wellbeing,and solidly executing for all of our stakeholders to drive controlled,sustainable growth and profitabilityin 2023 and beyond.For 2022,we ended the year with$1.

5、699 billion in outstanding finance receivables,an increase of 19%from year-end 2021 and totalrevenue of$507 million in 2022 an 18%increase from 2021.As delinquencies normalized throughout the year,we tightened creditgiven the increasingly challenging environment and focused on underwriting the highe

6、st quality originations.We continued to closelymanage our operating expenses,while we completed several new digital initiatives that should prove to be significantly beneficialfor us over the longer term.Net income for 2022 was$51 million,diluted EPS was$5.30,ROA was 3.3%,and ROE was 17.0%.Despite t