Just Annual Report and Accounts 2023

Strategic Report | Governance | Financial Statements | 41

The Group’s strategic objectives are aligned to growth and careful planning is needed to achieve that 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.

Link to Just’s strategic objective

Our pillars

Our commitment

How will we achieve our ambition?

2024 focus

Develop and offer sustainable products Increase our green financing opportunities

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

Further develop propositions to support our customers

Grow through innovation

Continue allocating in line with existing targets

MAKING A POSITIVE IMPACT

Grow sustainably

Protect our business

Grow in a sustainable way so Just remains strong for future colleagues and customers

Embed sustainability into business planning

Invest responsibly Continue to integrate responsible investment criteria into our investment decisions

Continue enhancing our investment approach

LEAVING A RESPONSIBLE FOOTPRINT

Attain net zero in our near-term own operations target by 2025 Attain net zero in our scope 3 emissions by 2050

Understand, measure and analyse our baseline, then identify areas of efficiencies and initiatives to enact

Reduce the need for carbon intensive fuels in our properties

Decarbonise our LTM and credit portfolios

Set interim targets aligned to NZAOA and SBTi frameworks Further education on business travel impacts and embed sustainable travel initiatives for our employees Direct engagement with supply chain where possible. Develop understanding and knowledge across business Increase employees’ awareness of sustainability issues through annual training and communications

Transform the way we work

Continue to reduce business travel and support our colleagues in finding ways to reduce their own emissions

Engage with our supply chain and partners to understand their plans for net zero and encourage reductions

Get closer to our customers and partners

Manage with good governance

Continue to integrate sustainability throughout our business and ensure it is governed to a high standard

Transform how we work

Ensure data is well managed and secure

Continue good standards of data privacy and control

Maintain appropriate internal controls

CREATING A FAIR WORLD

Improve diversity and inclusion Support health and wellbeing of our colleagues Support our customers (poverty, income and housing)

Build a diverse workforce

Monitor and review progress against targets

Be proud to work at Just

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

Increase awareness of initiatives to support our customers

Get closer to our customers and partners

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