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Water for the North West

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 interest cover >1.7x 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- BBB+ threshold: adjusted FFO to debt >9% BBB+ threshold: net debt/EBITDA 9x 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 Investor presentation 36
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