1、Annual Report and Accounts 2022Brilliant for customers every dayContentsStrategic ReportBrilliant for customers every day1Strategy10Business model12Chairs statement14Section 172(1)statement16Chief Executive Officers review17Market overview20Our key performance indicators22Chief Financial Officers re
2、view24Operating review40Non-financial information statement49Sustainability50Task Force on Climate-related Financial Disclosures72Streamlined Energy and Carbon Reporting85Risk management86Viability statement92GovernanceChairs introduction94Board of Directors96Executive Committee100Corporate Governan
3、ce report102Committee reports116Directors Remuneration report130Directors report162Financial StatementsContents167Independent Auditors Report168Consolidated Financial Statements179Notes to the Consolidated Financial Statements184Parent Company Financial Statements242Notes to the Parent Company Finan
4、cial Statements244Other informationShareholder Information 249Glossary and Appendices251Forward-looking statements disclaimer259Contact information260Our vision is to create a world where insurance is personal,inclusive and a force for good.Our purpose is to help people carry on with their lives,giv
5、ing them peace of mind now and in the future.Our mission is to be brilliant for customers every day.The Groups financial results fell significantly below expectations in 2022 as we navigated a volatile trading environment,with heightened inflation and severe weather events.In response,we are taking
6、action to restore the Groups capital resilience and improve business performance.Looking ahead,we believe that our customer focus,powerful brands and claims expertise can drive long-term value for customers and shareholders.To read more about our strategy,see pages 10-111www.directlinegroup.co.ukStr