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Credit Investor Presentation

Why invest in United Utilities Regulatory outperformance Sustainable performance improvements and track record of outperformance in AMP5 and AMP6 Systems Thinking approach Use of technology, data and machine intelligence, which provides us with a competitive advantage Strong management team Extensive commercial, operational and regulatory experience across the business Best in class treasury management Low cost of debt locked in, stable A3 credit rating, robust capital structure with target 55%-65% RCV gearing range Low dependency pension schemes Stable IAS19 pension surplus, and low dependency funding position in line with TPR recommendations Clarity on allowed returns to 2025 Wholesale revenue and asset base linked to CPIH inflation through to at least 2025 ESG credentials Strong record of high ESG standards with external recognition of our approach to ESG United Utilities • Credit Investor presentation . 8
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