Sainsbury's Credit Presentation Deck

Confident in emergence from COVID 22 Good progress on our priorities 2 years into 5 year strategy Reshape Simplify the Balance Sheet the Organisation Stop mortgage origination Improve margins Deposits AFS Develop AFS proposition Improve card & insurance momentum New FS model with Nectar at the core Right size the cost base Rationalise products Review vendor/supplier arrangements Optimise cross-Group synergies Focus on: - - - - Strengthen the Business Build core competency in: Customer experience Digital Data and analytics Credit/ Operational risk Partnerships - - Operational resilience Conduct Capital efficiency KEY Delivered Work in Progress Not yet begun

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