Just Annual Report and Accounts 2024

Strategic Report Governance

Financial Statements

141

CONSOLIDATED STATEMENT OF FINANCIAL POSITION as at 31 December 2024

31 December 2024 £m

31 December 2023 £m

Note

Assets Intangible assets

12 13 14 15 31 22 17

40 20 27

41 22 32

Property and equipment Investment property Financial investments

34,390

29,423

Investments accounted for using the equity method

119

149

Reinsurance contract assets

2,067

1,143

Deferred tax assets Current tax assets

387

406

1

4

Prepayments and accrued income

14 49

12 60

Other receivables

Cash available on demand

18

808

546

Total assets

37,922

31,838

Equity Share capital Share premium Other reserves Retained earnings

19 19 20

104

104

95

95

944

943

(219)

(259)

Total equity attributable to shareholders of Just Group plc

924

883

Tier 1 notes

21

322

322

Total equity attributable to owners of Just Group plc

1,246

1,205

Non-controlling interest

31

(2)

Total equity

1,246

1,203

Liabilities Insurance contract liabilities Reinsurance contract liabilities Investment contract liabilities

22 22 23 24 25

27,753

24,131

94 42

125

35

Loans and borrowings

839

686

7,889

5,608

Payables and other financial liabilities 1

59

50

Accruals and provisions 2

Total liabilities

36,676

30,635

Total equity and liabilities

37,922

31,838

1 Other payables has been aggregated with other financial liabilities in all periods presented. 2 Other provisions has been aggregated with accruals and deferred income in all periods presented. The notes are an integral part of these financial statements. The financial statements were approved by the Board of Directors on 6 March 2025 and were signed on its behalf by:

MARK GODSON Director

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