In 2021, Easy Credit 4 All IFN SA’s
strategy was to strengthen as best as possible the internal regulatory
framework, the internal control activity, as well as the management of the
significant risks identified.
During the mentioned period, EASY
CREDIT 4 ALL IFN S.A. worked to improve the internal regulatory framework in
terms of the lending activity.
The significant risks identified, also provided
for by the National Bank of Romania Regulation no. 20/2009: credit risk;
operational risk (including uncontrollable risks, legal risk, IT risk and model
risk); reputational risk; market risk; compliance risk. During 2021, the risks
involved in the activity were monitored through the Risk Management Committee.
There were no events registered after
31.12.2021 that would lead to the adjustment of the company’s annual financial
statements.
The main objective remains the development of a
prudent lending activity, throughout efficient checking of repayment capacity
and loans guarantee capacity of the clients.
In the report prepared for the year 2021, the following were analyzed:
ü the annual financial statements for
the financial year ended on 31.12.2021, which include:
– balance
sheet drawn up on 31.12.2021;
– profit
and loss account;
– the
statement of changes in equity;
– cash
flow statement;
– explanatory
notes.
ü the macroeconomic climate in 2021;
ü financial stability and the main
risks and uncertainties at the macroeconomic level;
ü company management during 2021,
including the main advisory committees established;
ü the lending activity of the company;
ü the structure of the shareholding
and the evolution of the share capital and the number of shares;
ü aspects regarding professional
training and personnel evaluation;
ü updates of internal regulations
carried out during 2022;
ü the activity of the internal audit
function;
ü the company’s patrimonial situation;
ü the activities carried out in the
company during 2021, regarding the management of significant risks.
Also, the main development objectives, proposed by the company
administrators, were presented for the short, medium and long term.
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