Just Annual Report and Accounts 2019


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 Officer’s Statement
10

10 Market context
12

14 Business model
16

16 Strategic priorities
18

18 Sustainable investment strategy
20

20 Developing new partnering propositions
22

22 Relationships with stakeholders
24

24 Key performance indicators
26

26 Financial Review
28

34 Risk management
36

36 Principal risks and uncertainties
38

40 People and culture
42

44 Investing in fulfilling our purpose
46

46 Environment
48

48 Section 172 Statement
50

52 Non-financial information statement
54

Governance Report
56

54 Chair’s introduction to Governance
56

56 Board of Directors
58

60 Senior leadership
62

62 Governance in operation
64

69 Nomination Committee Report
71

72 Audit Committee Report
74

78 Group Risk and Compliance Committee Report
80

80 Directors’ Remuneration Report
82

97 Directors’ Report
99

101 Directors’ Responsibilities
103

Financial Statements
104

102 Independent Auditor’s Report
104

111 Consolidated statement of comprehensive income
113

112 Consolidated statement of changes in equity
114

113 Consolidated statement of financial position
115

114 Consolidated statement of cash flows
116

115 Notes to the consolidated financial statements
117

157 Statement of changes in equity of the Company
159

158 Statement of financial position of the Company
160

159 Statement of cash flows of the Company
161

160 Notes to the Company financial statements
162

164 Additional financial information
166

166 Information for shareholders
168

168 Directors and advisers
170

169 Glossary
171

171 Abbreviations
173

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