Sainsbury's Credit Presentation Deck

Market Commitments Material short term COVID-19 impact but on track to deliver FY24 strategic commitments 2 3 4 5 Improve returns Financial services cash generative Reduce risk profile to group 23 1 Stop putting cash into Financial Services No capital input from the group¹ Double UPBT; double digit ROCE within 5 years 1 Subject to regulatory changes/ requirements 2 Subject to regulatory approval 3 On a Group contribution basis Upstream cash within 5 years Transform the cost base Cost to Income c.50% within 3 5 years ³ Mortgage acquisition ceased; stable balance sheet 6 Focus on Sainsbury's customer base Increase connectivity and value for group

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