Just Annual Report and Accounts 2019

JUST GROUP PLC Annual Report and Accounts 2019

2

investment case

A disciplined and innovative pricing approach has enabled the Group to establish leadership positions in the growing retirement market

Focus on capital Capital is our number one priority. We are realigning the business so that we focus on becoming capital self-sufficient. We have made a number of announcements on capital already and there will be more to come. We have worked hard to adapt our business to the changing regulatory environment. Improving our capital position will help us to fulfil our other goals and ensure we deliver value for shareholders. READ MORE ON PG.6

Disciplined, focused & Innovative FIVE KEY FEATURES

Helping people achieve a better later life

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

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

We are proud of the outstanding new business franchise we have built at Just and are focused on rebuilding shareholder value

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

DAVID RICHARDSON Group Chief Executive Officer

READ MORE ON PG.8

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