JUST GROUP PLC Annual Report and Accounts 2020
2
investment case
Capital sustainability,
competence, innovation and growth
Capital strength and sustainability Our priority is to deliver a sustainable capital model so that we can take advantage of the growth markets that we operate in. In 2020 we achieved a major landmark in the Group’s history by achieving capital self-sufficiency. We have improved our overall capital strength and are now working to increase our resilience as well as increasing our levels of organic capital generation. This focus will help us to fulfil our other goals and ensure we deliver value for shareholders. READ MORE ON PG.6 Deploying our highly effective new business franchise to create value from our leadership positions in attractive segments of the UK retirement income market Just has a compelling, clear purpose, to help people achieve a better later life by providing financial advice, guidance, competitive products and services to those approaching, at and in-retirement. READ MORE ON PG.5 Growing retirement markets As the population ages, our retirement markets grow. Whether it is defined benefit schemes de-risking or retirees seeking either to turn their pension into a guaranteed income for life or access equity in their homes, our markets have many years of growth ahead of them. READ MORE ON PG.10 we Help people achieve a better later life Positive disruption As retirement specialists we seek to positively disrupt the markets where we choose to participate, delivering better outcomes for customers so we may deliver value for shareholders. READ MORE ON PG.14 Leading distribution franchise Just has leadership positions in attractive segments of the retirement market. We have a strong brand, known and trusted for delivering outstanding service, which combines with a diversified distribution model to create a uniquely valuable franchise. READ MORE ON PG.14 Delivering value growth Our sustainable capital model combined with a leading distribution franchise that positively disrupts in growing retirement markets will allow us to help more people achieve a better later life and provide growth in shareholder value. READ MORE ON PG.14
We have made huge strides to rebuild our capital base while focusing on fulfilling our purpose and building value for shareholders
DAVID RICHARDSON Group Chief Executive Officer
READ MORE ON PG.8
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