Regional Management Corp
For the period ended Mar 31, 2024. Filed May 3, 2024.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2024 · Filed May 3, 2024
RM$36.02-0.6%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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GLOSSARY
Terms and abbreviations used in this report are defined below:
| Term or Abbreviation | Definition |
|---|---|
| 2007 Plan | 2007 Management Incentive Plan |
| 2011 Plan | 2011 Stock Incentive Plan |
| 2015 Plan | 2015 Long-Term Incentive Plan |
| ASU | Accounting Standards Update |
| Board | the Company's Board of Directors |
| CFPB | Consumer Financial Protection Bureau |
| Company | Regional Management Corp. |
| Consent Agreement | Consent Agreement between the CFPB and the Company dated January 4, 2024 |
| CSPU | cash-settled performance unit |
| Efficiency ratio | annualized general and administrative expenses as a percentage of total revenue |
| Exchange Act | the Securities Exchange Act of 1934, as amended |
| FASB | Financial Accounting Standard Board |
| FICO | Fair Isaac Corporation |
| GAAP | U.S. Generally Accepted Accounting Principles |
| LGD | loss given default |
| LTIP | long-term incentive program |
| Net credit loss ratio | annualized net credit losses as a percentage of average net finance receivables |
| Notice | notice provided by the CFPB to the Company dated March 7, 2023 |
| NQSO | nonqualified stock option |
| Operating expense ratio | annualized general and administrative expenses as a percentage of average net finance receivables |
| PD | probability of default |
| PRSU | performance restricted stock unit |
| RMIT | Regional Management Issuance Trust |
| RMR | Regional Management Receivables |
| RMR II | Regional Management Receivables II, LLC |
| RMR III | Regional Management Receivables III, LLC |
| RMR IV | Regional Management Receivables IV, LLC |
| RMR V | Regional Management Receivables V, LLC |
| RMR VI | Regional Management Receivables VI, LLC |
| RMR VII | Regional Management Receivables VII, LLC |
| RSA | restricted stock award |
| RSU | restricted stock unit |
| SEC | Securities and Exchange Commission |
| SOFR | secured overnight financing rate |
| SPE | wholly owned, bankruptcy-remote, special purpose entity |
| TDR | troubled debt restructuring |
| VIE | variable interest entity |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.