Investment date: 24 Oct 2008 Shareholdings: 100% Headquarters: Chengdu, Sichuan, People's Republic of China

Stimulating growth of the micro financing industry with innovation

Fullerton Credit was established to bring our expertise in small business financing to serve China's self-employed mass market and micro enterprises.

Headquartered in Chengdu, Fullerton Credit has built up a strong network presence in south-west China with more than 30 branches in 4 provinces (Sichuan, Chonqqing, Hubei & Yunnan), offering financial services to our customers since September 2008.

Keeping pace with China’s fast evolving fintech industry, Fullerton Credit also adopts innovative business models and financing solutions to improve customer reach across pan China. The company officially launched its online business and consumer financing solutions in 2016.

Focus on Digitalized Services

Over the past few years, China SEMM market opportunities have changed rapidly in terms of financing needs and requirements. Via our in-depth knowledge of customers' financing needs and local business environment, FC has also leverage heavily on technology to develop digitalized service offerings to achieve higher efficiency and better customer experience.

Our 5 Corporate Values

Integrity

Teamwork

Endeavour

Respect

Growth

Financial & Operating Highlights

S$m, y/e 31 December 2018 2017 2016 2015
 Branches & Sales Outlets 38 37 34 36
 Employees 604 580 616 812
 Total Assets 558 507 631 855
 Shareholders Equity 355 351 350 376
 Net Income 16 6 (8) (15)
 ROE % 4.6 1.8 (2.3) (4.1)

Awards & Recognition

FC continues to strive towards excellence in the way we deliver our products and services to customers, as well as to be creative and innovative in delivering financial solutions to the community. In recent years, FC has received the following awards and recognition:

2018:

“Excellent Micro Finance Company in Sichuan - Fullerton Credit (SC) Ltd.” by the Sichuan Association of Microcredit

“Best Management Team of MFIs - Fullerton Credit (SC) Ltd.” by the Sichuan Association of Microcredit


2017:

“Best Risk Control in CQ MFIs - Fullerton Credit (CQ) Ltd.” by the Chongqing Microfinance Association

“Best Risk Control - Fullerton Credit (SC) Ltd.” by Chengdu Microfinance Association

“Best Service Award for Micro & Small Enterprises - Fullerton Credit (SC) Ltd.” by Chengdu Microfinance Association

“Best Product Design – Microfinance Companies” by China Inclusive Microfinance Institute

“Best Risk Control” from the China Inclusive Finance Institute in 2017

“China Top 100 MFIs” by China Inclusive Finance Institute in 2017

“Excellent MFI in Sichuan” by Sichuan Provincial MFI Association in 2017

“Best Social Responsibility in Sichuan” by Sichuan Provincial MFI Association in 2017


2016:

“National Excellent MFIs” by China Micro-Credit Companies Association in 2016


Further information can be found at the website http://www.fcsgroup.com.cn

Mr Mark Lim

Chief Executive Officer

Mark comes with more than 18 years of experience in SME and commercial banking. Before joining FC, he was with UOB China for 3 years where his last position was Head of Commercial Banking (China) based in Shanghai.

Prior to UOB, he spent 8 years in Standard Chartered Bank (China) and held several roles including Regional General Manager (SME East China), Head of SME (West China Region), Head of Small Business (China) , SME Regional Sales Head (Yangtze River Delta Region) and SME Regional Sales Head (North Region). Mark had also worked for HSBC Singapore and OCBC Singapore, dealing with SME before moving to China.

Mark holds a Bachelor degree (Business) from Nanyang Technological University and a Master degree (Applied Finance) from National University of Singapore.