Hi everyone 
how we doing?
I’m here to share our latest Annual Report – an especially exciting one as we’ve recorded our first full year of profitability 
Have a read and as usual, I’m here to take any questions, thoughts or feedback from the community to the relevant teams here. Crowdcube will be sending an update out to crowd investors soon too.
Huge thanks as always for all your support, feedback and challenge along the way!
Big things in TS section, looks like Pensions and more mortgage stuff to come, and European expansion via Ireland is on the cards, an office in Ireland is already being set up
£15.4mil profit 
Then the depressing news of customers having an average of 38 friends using monzo… I don’t have this many friends 
Congrats Monzo on becoming a sustainable bank, hopefully for years to come 
The holographic blue card making an appearance on page 13 is amusing considering it’s discontinued now pretty much?
Also I hope Hot Chip doesn’t mind being full of hot air! (or it’s a friend of them?).
An account for kids is coming this year (page 14, “Cementing Monzo…” section). I guess the corresponding features of Starling and Revolut have been popular?
Congrats Monzo! A huge milestone hopefully that’ll put most of the naysayers to bed.
Also, props to the web and design team for the awesome report page! It’s a delight and reminds me a lot of Apple’s product pages.
Brilliant to see things going so well!
One question; how do we get involved with future funding rounds? I’m an investor on Crowdcube and hadn’t realised funding was ongoing. Is there an opportunity for us to continue to invest?
Own a family office or be in a VC.
I’m impressed. A few years ago, it was looking pretty shaky, but there’s no doubt TS Anil has saved the company.
I received the investor email from Crowdcube with the investor-focused summary breakdown of the main Monzo report.
Most important bit: shares still at £14.41
Yey Monzo
I’d say no. The last few rounds - the ones you’ve seen - have been institutional funding rounds with no crowdfunding.
We’re close enough to IPO now that I don’t think it makes any sense for Monzo to do any further crowdfunding rounds, and I don’t think it would make any sense to invest if they did as the return would be low.
cc @kennygrant
To be fair, it’s not wonderful that the share price skidded sideways for so long. I think that the main problem is that people look away for a year or two and in the back of their minds they’re Getting Rich, and then the email comes in with, like, “lol we grew a lot but you got nothing more, suck it” and… well, I sympathise. They’re just shocked 
.
Ah fair enough - thanks for the reply
Great work by all really considering the position in 2020/21.
TS and crew really appear to have steadied the ship well.
38 average friends tho, geez I need to get out less. I couldn’t imagine having to manage that many!
I wonder if influencers and power users are skewing the average here. I’m doing my best to bring it down with my score of, I’d say three.
My guess as a “country bumpkin” is you’re right but I think the London effect is skewing the rest of the user base.
This is always my problem with averages especially at scale, they almost always don’t paint a true picture.
Amazing news.