CITIZENS DEVELOPMENT BUSINESS FINANCE PLC
ANNUAL REPORT 2020/21
OVERVIEW
Citizens Development Business Finance PLC Annual Report of the Board of Directors 2020/21
Who we are
Empowering Generations for 25 Years
Recognition along Our Journey
Our Strategy for 2021–2030
Performance Snapshot 2020/21
Chairman’s Letter
Managing Director/Chief Executive Officer’s Review
Chief Financial Officer’s Analysis
OUR BUSINESS
AND CONTEXT
Operating environment and our response
Our approach to sustainable value creation
OUR VALUE
CREATION STORY
Customers
CDB team
Environment
Society
Regulators
Business partners
Investors
LEADERSHIP, GOVERNANCE,
AND RISK MANAGEMENT
Risk management
Corporate governance
Board of Directors
Corporate management team
Management team
Board Committee reports
Statement of Directors’ responsibility
Directors' statement on internal control over financial reporting
Auditor’s assurance report on the Directors’ statement on internal control
FINANCIAL
REPORTS
Financial calendar
Financial Highlights
Independent Auditor’s report
Statement of Profit or Loss and Other Comprehensive Income
Statement of Financial Position
Statement of Changes in Equity
Statement of Cash Flows
Notes to the Financial Statements
SUPPLIMENTARY
REPORTS
Quarterly statistics
Economic value added statement
Ten year statistical summary
USD accounts
Sustainability assurance report
GRI content index
Branch network
Glossary
Abbreviations
Basis of ratios
Corporate information
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