Credit Investor Presentation

Strong cash performance Household statutory bad debt charge (% of household revenue) 4.00% 3.7% 3.50% 3.0% 3.00% 2.50% 3.1% reported bad debt charge included £17m exceptional charge as a result of Covid b3.1% 2.5% 2.3% 2.00% 2.2% 2.1% 1.8% 1.50% 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20 2020/21 1 2 Marginal increase in underlying bad debt charge of just £5m as a result of Covid Data led approach Low balance sheet risk 3 Extended social tariff provides additional £15m of support to customers 4 82% on direct debit or payment plan Use of credit reference agencies United Utilities • Credit Investor presentation • 80

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