Sainsbury's Credit Presentation Deck

Financials: management actions 18 Savings blended rate down 74bps % 1 Group contribution basis 1.18 0.44 FY FY 19/20 20/21 Costs¹ £m down 16% 300 FY 19/20 251 FY 20/21 Colleague costs £m down 21% 99 78 FY FY 19/20 20/21

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