Just Annual Report and Accounts 2021

FINANCIAL STATEMENTS

STRATEGIC REPORT

GOVERNANCE

The Strategic Report has been prepared in accordance with the UK Companies Act 2006 (Strategic Report and Directors’ Report) Regulations 2013.

FEATURE STORIES

Strategic Report 1 Our purpose 2

Investment case

3 4 6 8

Financial and operational highlights

At a glance

Chair’s Statement

Chief Executive Officer’s Statement

10 Market context 14 Business model 16 Strategic priorities

18 Sustainability and the environment 20 Sustainable investment strategy 22 Sustainability strategy: TCFD disclosure framework 30 Colleagues and culture 36 Relationship with stakeholders 38 Section 172 statement 43 Non-financial information statement 46 Key performance indicators 48 Business review 58 Risk management 60 Principal risks and uncertainties 64 Returned to growth 68 Board of Directors 72 Senior leadership 74 Governance in operation 81 Nomination and Governance Committee Report 84 Group Audit Committee Report 90 Group Risk and Compliance Committee Report 93 Directors’ Remuneration Report 109 Directors’ Report 113 Directors’ Responsibilities Governance REPORT 66 Chair’s introduction to Governance 123 Consolidated statement of comprehensive income 124 Consolidated statement of changes in equity 125 Consolidated statement of financial position 126 Consolidated statement of cash flows 127 Notes to the consolidated financial statements 174 Statement of changes in equity of the Company 175 Statement of financial position of the Company 176 Statement of cash flows of the Company 177 Notes to the Company financial statements Financial Statements 114 Independent Auditors’ Report

INVESTING THE JUST WAY PAGE 20

INNOVATION THE JUST WAY PAGE 64

180 Additional financial information 183 Information for shareholders 185 Directors and advisers 186 Glossary 188 Abbreviations

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