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woolworths holdings limited<br />

financial i services book performance<br />

Store Card<br />

Personal Loans<br />

VISA Card<br />

4 000<br />

3 500<br />

3 000<br />

2 500<br />

2 000<br />

1 500<br />

1 000<br />

500<br />

-<br />

3 618<br />

3 801<br />

6.6% 6.9%<br />

1 585 1 560<br />

Dec-07<br />

Dec-08<br />

14% 4 000<br />

12% 3 500<br />

10%<br />

3 000<br />

2 500<br />

8%<br />

2 000 5.1% 5.0%<br />

6%<br />

1 500<br />

4%<br />

1 064 1 045<br />

1 000<br />

2% 500<br />

186 182<br />

0% -<br />

Dec-07<br />

Dec-08<br />

14% 4 000<br />

12% 3 500<br />

13.5%<br />

10%<br />

3 000<br />

2 500<br />

10.9%<br />

8%<br />

2 000<br />

6%<br />

1 500 1 026 1 034<br />

4%<br />

1 000<br />

2% 500<br />

168 158<br />

0% -<br />

Dec-07<br />

Dec-08<br />

14%<br />

12%<br />

10%<br />

8%<br />

6%<br />

4%<br />

2%<br />

0%<br />

Gross book value (Rm) Number of customers (000's) Net bad debt * (%)<br />

* 6mma excluding cost of recoveries, and calculated based on billing book data

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