Your Mutual


Putting our members at the heart of everything we do


Reports and accounts

Each year we give details of our annual financial performance to our members at our Annual General Meeting (AGM).

We release these details ahead of our AGM. The reports and accounts allow all of our members to monitor the financial performance of the Society, as well as highlighting important information within each of the following areas:

Historic Reports and Accounts

Shepherds Friendly Reports and Accounts for year ended 31st December 2017
Shepherds Friendly Reports and Accounts for year ended 31st December 2016
Shepherds Friendly Reports and Accounts for year ended 31st December 2015
Shepherds Friendly Reports and Accounts for year ended 31st December 2014

Solvency and Financial Condition report

The rules of Solvency II, which became effective as of 1st January 2016, requires us to publish an annual Solvency and Financial Condition report (SFCR) at the end of each financial year. We use Solvency II to calculate our capital requirements.

Solvency and Financial Condition report