Just Annual Report and Accounts 2021

JUST GROUP PLC Annual Report and Accounts 2021

SUSTAINABILITY STRATEGY: TCFD DISCLOSURE FRAMEWORK

We launched our sustainability strategy, which includes the approach to climate change, in 2021 with initiatives being developed to deliver our sustainability ambitions. Alongside its 2021 interim results, Just announced a commitment to reach net zero in its own emissions by 2025 and net zero in all other emissions including our investments by 2050, with an interim target of a 50% reduction by 2030. This commitment is aligned to the road map published by the Association of British Insurers (“ABI”) in summer 2021 on behalf of the insurance industry. The road map is available here abi.org.uk/about-the-abi/sustainability/ climate-change-roadmap/ .

The sustainability strategy is guided by three key themes: leaving a responsible footprint, making a positive impact and creating a fair world. These themes align to Just’s overarching strategic goals to grow sustainably, transform how we work, grow through innovation, get closer to our customers and partners and be proud to work at Just (as shown in table below). The strategy is also aligned to the United Nations Sustainable Development Goals in line with other similar organisations.

OUR PILLARS

OUR COMMITMENT

HOW WILL WE ACHIEVE OUR AMBITION?

LINK TO JUST’S STRATEGIC PRIORITIES

Attain net zero in our own operations by 2025

Continue to identify areas of efficiency and initiatives to facilitate attainment of the net zero target.

Progress steps to decarbonise our investment portfolio.

2. Transform the way we work

Responsibly manage emissions from business travel and encourage our colleagues to find ways of reducing their own emissions.

LEAVING A RESPONSIBLE FOOTPRINT

Attain net zero in our scope 3 emissions by 2050

Encourage reductions in emissions of our supply chain and partners through selection and on-going interaction about their net zero plans.

3. Get closer to our

customers and partners

Grow in a sustainable way so Just is able to support customers, colleagues and communities in the future.

Protect our business

Continue to integrate environmental, social and governance (“ESG”) factors into our investment decisions.

Invest responsibly

4. Generate growth in newmarkets

Increase our green financing opportunities

Look for further opportunities to invest in green and social assets.

Develop and offer sustainable products

Create sustainable products for existing and new customers.

MAKING A POSITIVE IMPACT

Manage with good governance Embed sustainability through our business and ensure it is governed to a high standard.

2. Transform the way we work

Ensure data is well managed and secure

Protect our customers’ data privacy with robust standards and controls.

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