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Our risk management process is designed to support the Group as we deliver our Group strategy and provide long-term sustainable value, whilst protecting the interests of our stakeholders, and safeguarding our assets including our colleagues, finances, and reputation.

The Group Board is responsible for ensuring the effective identification and management of key strategic and emerging risks in the current year and in the future to support the Group in delivering its strategic objectives. In addition, the Group Board reviews and approves the ongoing risk management process. This includes the internal control system, risk management framework, policies and procedures that outline what can be considered an acceptable level of risk for an estimated level of return, underpinned by the setting of the risk appetite and risk tolerance of the Group on an annual basis.

Principal risks and uncertainties

Our risk management, and the principals risks and uncertainties facing the Group are summarised in our 2023 Annual Report & Accounts.

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