Credit Investor Presentation 2020/21

Systems Thinking is a competitive advantage Approach to Systems Thinking, innovation and digital delivers best performance Systems Thinking Benchmarking suggests sector shifting improvements can be delivered through Systems Thinking 12-30% cost savings 3-20% service improvements 8-50% productivity increases Innovation An established innovation model delivering £445m savings from AMP5 to AMP7 Accessing the innovation ecosystem Academia & leveraged funding Breakthrough innovation Innovation culture Digital Leveraging value through AMP6 investment to deliver benefits in AMP7 Sensors Data & analytics Machine intelligence United Utilities • Credit Investor presentation • 11

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