Strategic Report | Governance | Financial Statements | 1
STRATEGIC REPORT 1 Our purpose 2 Investment case 3
Financial and operational highlights
4 6 8
At a glance
Chair’s statement
Chief Executive Officer’s statement
10 Market context 14 Business model 16 Strategic priorities 18 Case study: Innovation 20 Key performance indicators 22 Business review
p18 A TRACK RECORD OF INNOVATION
34 Sustainability and the environment 36 Sustainable investment strategy 40 Sustainability strategy: TCFD disclosure framework 50 Colleagues and culture 54 Relationships with stakeholders 56 Section 172 statement 61 Non-financial and sustainability information statement 64 Risk management 66 Principal risks and uncertainties GOVERNANCE REPORT 70 Chair’s Governance overview 72 Board of Directors 76 Senior leadership 78 Governance in operation 88 Nomination and Governance Committee report 91 Group Audit Committee report 97 Group Risk and Compliance Committee report 100 Directors’ Remuneration report 120 Directors’ report 125 Directors’ responsibilities FINANCIAL STATEMENTS 126 Independent Auditors’ Report 137 Consolidated statement of comprehensive income 138 Consolidated statement of changes in equity 139 Consolidated statement of financial position 140 Consolidated statement of cash flows 141 Notes to the consolidated financial statements 218 Statement of changes in equity of the Company 219 Statement of financial position of the Company 220 Statement of cash flows of the Company 221 Notes to the Company financial statements 225 Additional information 228 Information for shareholders 230 Directors and advisers 231 Glossary and abbreviations
p36 INVESTING THE JUST WAY
PENSION SCHEME TRUSTEES We provide improved security of income for members of defined benefit pension schemes by transferring the risk to Just.
COMPANIES We provide advisory, technology and customer services to help UK companies with retirement- focused solutions to meet the needs of their customers and clients in later life.
For more information about each of our Stakeholders see P4
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