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How we are driving success
With an annual turnover of over £200 million, Citizen is one of the largest housing organisations in the Midlands.
We have a strong business plan and are committed to using our financial capacity to provide new homes, protect and invest in our existing homes and continuously improve services for our residents.
We have around £0.9bn of combined capital markets and bank debt, and issued our second bond of £280 million in October 2017. We also tapped our 2012 bond in October 2020 and October 2024, taking this issue from £160m to £400m.
- Gary Booth, Chief Financial Officer - gary.booth@citizenhousing.org.uk
- Audrey Howarth, Head of Treasury -audrey.howarth@citizenhousing.org.uk
Citizen’s credit rating is A3 (stable).
This was confirmed in December 2024 by Moody’s.
Citizen is rated G1/C1/V2, all compliant ratings.
This was confirmed the Regulator of Social Housing in August 2025.
Trading updates
Our trading updates highlight our financial and operating performance over a six-month period. The latest update shows a stable financial position.
Citizen investor presentations
- Citizen investor presentation February 2025
- Citizen investor presentation October 2024
- Citizen investor presentation February 2024
Bond tap updates
See more legal documentation
- Treasury Vehicles Articles of Association
- Change of Name Certificate
- Memorandum and Articles of Association
- Citizen Housing Group Rules
- Supplemental Security Trust Deed
- Amended and Restated Security Trust Deed
- Supplemental Bond Trust Deed (WM Substitution 2019)
- Third Supplemental Bond Trust Deed (Citizen Tap)
- 2012 Bond Trust Deed – Whitefriars
- Supplemental Bond Trust Deed (Citizen) 2020 Tap
