Worldline - 2020 Universal Registration Document
CONTENTS A
E AFR FINANCIALS
GROUP OVERVIEW Business profile A.1
3
227
Operational review E.1
4 5 6 7
228 233 233 234
Revenue profile A.2
2021 revenue trend scenario E.2
Message from Gilles Grapinet A.3
2021 objectives E.3. Financial review E.4
Worldline in 2020 A.4 Group presentation A.5
Consolidated financial statements E.5 244 Parent company financial statements E.6 300 Other financial information E.7 relating to Worldline SA 327 Related Party Transactions E.8 329 Non-IFRS financial measures E.9 332 F
11
B THE PAYMENT INDUSTRY
25
Card Payments B.1
26 28
Non-card based payments B.2 Other solutions in and around B.3 the payment value chain Key market trends and drivers B.4 of change C DESCRIPTION OF THE GROUP’S BUSINESS
29
AFR RISK ANALYSIS
335
30
Risk management activities F.1
336 340 351 353
Risk factors F.2
Legal Proceedings F.3 Internal Control F.4
39
G AFR CORPORATE GOVERNANCE AND CAPITAL
Description of the Group’s C.1 four Business Lines services Competitive Strengths C.2 Worldline’s Business Model C.3 Worldline: a regulated Group C.4
40 61 65 68 74 77 78 79 80 81
359
Legal Information G.1
360 362
Corporate Governance G.2 Executive compensation G.3 and stock ownership 2021 Annual Shareholders’ G.4 General Meeting
Strategy C.5
Technology C.6
408
Sales and marketing C.7
Procurement and suppliers C.8
455
Investments C.9
Evolution of capital G.5
and stock performance
455
Property Plant and Equipment C.10 Research and Development, C.11 Patents and Licenses
H APPENDICES
82
D AFR EXTRA-FINANCIAL STATEMENT OF PERFORMANCE
467
Persons responsible H.1
468 469 474 483 483
Glossary H.2
85
Cross-reference tables H.3
Integrating sustainability D.1 into Worldline’s business
Contacts H.4
86
Financial calendar H.5
Building customer trust with reliable, D.2 secured, innovative and sustainable solutions Being a responsible employer D.3 169 Reducing our environmental footprint D.5 190 Reporting methodology and scope D.6 for non-financial indicators 214 113 139 Ensuring business ethics D.4 within our value chain
The elements of the Annual Financial Report are identified by the AFR symbol . AFR
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