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Credit Investor Presentation

Credit rating summary Aim to at least retain UUW credit ratings to support efficient access to debt capital markets Moody's Fitch S&P UUW¹ rated A3 UU PLC rated Baal A3 threshold: net debt to RCV ratio <65% A3 threshold: adjusted UUW¹ rated² A- UU PLC rated² A- A-threshold: net debt to RCV ratio <67% A-threshold: PMICR³ >1.6x UUW¹ rated BBB+ UU PLC rated BBB (debt rated BBB-) BBB+ threshold: adjusted FFO to debt 9-11% interest cover >1.7x 1 Any notes issued by UUW's financing subsidiary United Utilities Water Finance PLC (UUWF) are expected to be rated in line with UUW's credit rating 2 Rating for senior unsecured debt, issuer default rating is one notch lower 3 Post maintenance interest cover ratio United Utilities • Credit Investor presentation • 45
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