Just Annual Report and Accounts 2022

GOVERNANCE

FINANCIAL STATEMENTS

strategic report

RISKS AND OPPORTUNITIES Summary of key opportunities The opportunities to Just are emerging as we develop our Sustainability Strategy and undertake further work to assess our business with a sustainability lens.

OUR PILLARS

OPPORTUNITY

LINK TO JUST’S STRATEGIC PRIORITIES

Group: The increased opportunity to influence and support the transition to net zero by engaging with asset owners, managers, suppliers, policy makers and other market initiatives. This would support a market wide transition which aligns with broader Net Zero commitments.

Get closer to our customers and partners

MAKING A POSITIVE IMPACT

Lifetime Mortgage: There is an opportunity to provide more support to our customers with the need increased due to higher than usual energy costs. This will lead to an improvement of the EPC rating of our property portfolio, if successful. Retail: New products are emerging in the market that focus on responsible investment themes such as climate change. We are considering how best to further enhance our approach.

Get closer to our customers and partners

Get closer to our customers and partners

CREATING A FAIR WORLD

Investments: Emerging technology and innovation are seen as potential investment opportunities. New products available via external asset managers, which focus more specifically on climate and sustainability objectives, represent an opportunity to provide diversification across our investment portfolio. Defined Benefit: Opportunity to support a diversified client base of scheme trustees in achieving their responsible investment and climate change goals.

Grow through innovation

Get closer to our customers and partners

LEAVING A RESPONSIBLE FOOTPRINT

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