Just Annual Report and Accounts 2024

Governance Financial Statements

Strategic Report

43

STRATEGIC PRIORITIES Grow sustainably

The Group’s strategic objectives are aligned to growth and careful planning is needed to achieve growth without an undue impact on our transition to net zero. Climate change and wider sustainability issues are important considerations when we make strategic decisions as a business. Just incorporates sustainability into the Group strategy development process and subsequently the Group strategy execution plan. The plan progress is monitored monthly by the Group Executive Committee and quarterly by the Group Board. The link between our Group strategic objectives and those of our sustainability strategy (our three sustainability pillars), is summarised below:

Scale with technology Reach new customers Be recommended by our customers Be proud to work at Just

Link to Just’s strategic objective

Our pillars

Our commitment

How will we achieve our ambition?

2025 focus

Develop and offer sustainable products Increase our green financing opportunities

Innovate to support our existing and new customers by delivering sustainable products Look for further opportunities to fund green and social assets

Further develop propositions to support our customers

Continue allocating in line with existing targets

MAKING A POSITIVE IMPACT

Protect our business Grow in a sustainable way so Just remains strong for future colleagues and customers Invest responsibly Continue to integrate responsible investment criteria into our investment decisions

Embed sustainability into business planning

Continue enhancing our investment approach

LEAVING A RESPONSIBLE FOOTPRINT

Attain net zero in our own operations by 2025

Identify areas of efficiencies and initiatives to enact

Reduce the need for carbon intensive fuels in our properties

Attain net zero in our scope 3

Decarbonise our investment portfolio Meet our additional set of targets aligned to Net-Zero Asset Owner Alliance (“NZAOA") and have our targets validated by the SBTi Continue to support our colleagues in finding ways to reduce their own emissions Further education on business travel impacts and embed sustainable travel initiatives for our employees. Encouraging

emissions by 2050 (including a 50% reduction by 2030)

reduction first followed by a use of lower emission alternative travel methods, where possible Continue engaging with our supply chain, where possible, and improve data collection and analysis Increase employees’ awareness of sustainability issues through annual training, communications and engagement opportunities Monitor and review progress against ethnicity and gender diversity targets

Engage with our supply chain and partners to understand their plans for net zero and encourage reductions Continue to integrate sustainability throughout our business and ensure it is governed to a high standard

Manage with good governance

Improve diversity and inclusion

Build a diverse workforce

CREATING A FAIR WORLD

Support health and wellbeing of our colleagues

Continue to deliver against our strategic objective of building a workforce that is proud to work at Just Continue to provide sound and helpful advice and continue to provide support to our charitable partners

Retain a positive and supportive culture

Support our customers (poverty, income and housing)

Increase awareness of initiatives to support our customers

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