Sainsbury's Credit Presentation Deck

Financials: balance sheet 19 Customer assets £bn down 27% 7.4 2.7 2.0 1.9 0.9 FY 19/20 5.4 1.9 1.4 1.3 0.8 FY 20/21 T Personal loans Credit cards Mortgages Store cards Total Capital Ratio up 320bps % 17.0% FY 19/20 20.2% FY 20/21 Liquidity Coverage Ratio 49% + 145% FY 19/20 194% FY 20/21

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