JUST GROUP PLC Annual Report and Accounts 2020
our PURPOSE
We believe that every decision we make and every action we take should help us achieve our purpose
Contents
Strategic Report 1 Our purpose 2 Investment case 3 Financial and operational highlights 4 At a glance 6 Chair’s Statement 8 Chief Executive Officer’s Statement 10 Market context 14 Businessmodel 16 Strategic priorities 18 Sustainable investment strategy 20 COVID strategy 22 Key performance indicators 24 Business Review 32 Riskmanagement 34 Principal risks and uncertainties 38 Environment 40 Colleagues and culture 44 Relationships with stakeholders 46 Section 172 statement 51 Non-financial information statement
Financial Statements 98 Independent Auditors’ Report 107 Consolidated statement of comprehensive income 108 Consolidated statement of changes in equity 109 Consolidated statement of financial position 110 Consolidated statement of cash flows 111 Notes to the consolidated financial statements 154 Statement of changes in equity of the Company 155 Statement of financial position of the Company 156 Statement of cash flows of the Company 157 Notes to the Company financial statements 161 Additional financial information 164 Information for shareholders 166 Directors and advisers 167 Glossary 169 Abbreviations
All Just Group plc regulatory announcements, shareholder information and news releases can be found on our Group website, www.justgroupplc.co.uk Cross linking Throughout this document we have linked content together in order to provide amore comprehensive report inside the Strategic Report, Governance Report and Financial Statements. These sections, taken together, comprise the Strategic Report in accordance with the UK Companies Act 2006 (Strategic Report and Directors’ Report) Regulations 2013.
Governance REPORT 54 Chair’s introduction to Governance
56 Board of Directors 60 Senior leadership 62 Governance in operation 68 Nomination Committee Report 71 Audit Committee Report 76 Group Risk and Compliance Committee Report 78 Directors’ Remuneration Report 93 Directors’ Report 97 Directors’ Responsibilities
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