Unaudited H1 Trading & Moody's Credit Opinion

H1 Trading Update and Updated Credit Opinion

Citizen Treasury plc

21 November 2025

Citizen Housing Group Trading Update and Credit Opinion Update

Trading Update for the Period Ending 30 September 2025

Citizen Treasury plc announces the Citizen Housing Group consolidated unaudited trading update for the six months ending 30 September 2025. The report can be accessed here.

This trading update contains certain forward-looking statements about the outlook for the Group. Although the directors believe that these statements are based upon reasonable assumptions, any such statements should be treated with caution as the outlook may be influenced by factors that could cause actual outcomes and results to be materially different.

Updated Investor Presentation

An updated investor presentation has been released on our website and can be accessed here.

Credit Opinion Update from Moody's Investors Service at 21 November 2025

Citizen Treasury plc announces that Moody's have published an updated credit opinion for Citizen Housing Group maintaining our A3 stable rating. The credit opinion reflects the high proportion of turnover coming from social housing lettings, proactive debt management and an improved liquidity position. The credit opinion published by Moody's can be accessed here.

This announcement has been made by Gary Booth, Chief Financial Officer, on behalf of Citizen Treasury plc.

For further information please contact:

Citizen Housing Group Limited

Gary Booth

4040 Lakeside

Solihull Parkway

Birmingham Business Park

B37 7YN

Telephone: +44 (0)7984 978720

Email: [email protected]