Sainsbury's Credit Presentation Deck

Underlying profit before tax 6 UPBT YoY movement £m 586 19/20 UPBT (208) Retail (69) Financial Services Interest +47 356 20/21 UPBT 1 Higher absence costs, pay for vulnerable colleagues isolating, front line colleague bonus 2 Customer and colleague protection measures, distribution costs, reduced rental income 3 Does not include business rates relief of £43m for closed Argos stores in FY20/21 Retail COVID costs £m Colleague costs ¹ Operating costs ² Other Total Retail COVID costs³ H1 20/21 (179) (84) (28) (291) H2 20/21 (139) (29) (26) (194) FY 20/21 (318) (113) (54) (485)

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