Just Annual Report and Accounts 2020


Strategic Report
3

1 Our purpose
3

2 Investment case
4

3 Financial and operational highlights
5

4 At a glance
6

6 Chair's Statement
8

8 Chief Executive Officers Statement
10

10 Market context
12

14 Business model
16

16 Strategic priorities
18

18 Sustainable investment strategy
20

20 COVID strategy
22

22 Key performance indicators
24

24 Business Review
26

32 Risk management
34

34 Principal risks and uncertainties
36

38 Environment
40

40 Colleagues and culture
42

44 Relationships with stakeholders
46

46 Section 172 statement
48

51 Non-financial information statement
53

Governance Report
56

54 Chair’s introduction to Governance
56

56 Board of Directors
58

60 Senior leadership
62

62 Governance in operation
64

68 Nomination Committee Report
70

71 Audit Committee Report
73

76 Group Risk and Compliance Committee Report
78

78 Directors’ Remuneration Report
80

93 Directors’ Report
95

97 Directors’ Responsibilities
99

Financial Statements
100

98 Independent Auditors’ Report
100

107 Consolidated statement of comprehensive income
109

108 Consolidated statement of changes in equity
110

109 Consolidated statement of financial position
111

110 Consolidated statement of cash flows
112

111 Notes to the consolidated financial statements
113

154 Statement of changes in equity of the Company
156

155 Statement of financial position of the Company
157

156 Statement of cash flows of the Company
158

157 Notes to the Company financial statements
159

161 Additional financial information
163

164 Information for shareholders
166

166 Directors and advisers
168

167 Glossary
169

169 Abbreviations
171

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