Sainsbury's Credit Presentation Deck

Financials: credit quality 20 90+ days past due at 18 months % 0.9 Cards 2.0 Loans 6.4 AFS Total Unsecured IFRS 9 12mth PD % Low quality 4% Satisfactory quality 15% 5% Credit impaired % Unsecured lending High quality <=3.02% Satisfactory quality >3.02%; <11.11% 76% High quality Low quality >11.11% Credit impaired 100% Credit provisions Unsecured lending Coverage Ratio 6.3% Provisions 4.9% £5.8bn £4.4bn £0.3bn FY 19/20 FY 20/21 Gross unsecured lending

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