Debt investors overview

Credit profile

Rio Tinto is a leading international mining group in which 2 companies, Rio Tinto plc and Rio Tinto Limited are combined in a dual listed companies (DLC) structure. Rio Tinto plc and Rio Tinto Limited and their respective groups operate together as a single economic enterprise.

Following the approval of the DLC merger, Rio Tinto plc and Rio Tinto Limited entered into a DLC merger sharing agreement pursuant to which each company agreed:

  • to ensure that the businesses of Rio Tinto plc and Rio Tinto Limited are managed on a unified basis

  • to ensure that the boards of directors of each company comprise the same individuals

  • to give effect to certain arrangements designed to provide shareholders of each company with a common economic interest in the Rio Tinto Group

In addition, as part of the DLC structure, each company entered into a deed poll guarantee in favour of certain creditors of the other company and the obligations of other persons which are guaranteed by the other company subject to certain limited exceptions.

Credit ratings

The Rio Tinto Group has a contractual relationship with Moody's Investor Services, Standard & Poor's and Fitch Ratings for the provision of rating information. Management of the Group meets these agencies at least annually and shares with them the Group's latest financial projections and business plan.

Both Rio Tinto plc and Rio Tinto Limited continue to enjoy investment grade ratings.

The following table shows Rio Tinto's current credit ratings. 

Agency Long term rating & outlook Short term rating
Moody's Investor Services A1 (stable) P-1
Standard & Poor's A (stable) A-1
Fitch Ratings A (stable) F-1

Treasury management and policies

Rio Tinto’s policies on financial risk management are defined such that the Group has a capital structure in place to manage the organisation through the commodity cycle and that the Group’s exposures may float with the market.

The Group is exposed to capital, liquidity, credit, commodity price, foreign exchange and interest rate risks.

Derivatives are used as and when required in order to manage the Group’s exposure in accordance with its underlying financial risk management principles.

Statement of Commitment

Financial Markets Standards Board (FMSB) compliance letter
PDF
130 KB

Corporate debt

Bond maturity profile

As at December 2025

Debt issuance programs

Rio Tinto makes use of bonds to finance medium-term financing requirements. A debt issuance program is used to issue debt instruments. Volumes, currencies and maturities of outstanding bonds will depend upon Rio Tinto's financing needs.

  • US shelf

    Issuers

    • Rio Tinto Finance (USA) plc
    • Rio Tinto Finance (USA) Limited
    • Rio Tinto Finance (USA) Inc.

    Guarantors

    Instruments issued by Rio Tinto Finance (USA) plc, Rio Tinto Finance (USA) Limited or Rio Tinto Finance (USA) Inc. will be unconditionally and irrevocably guaranteed by Rio Tinto plc and Rio Tinto Limited.

    Trustee

    The Bank of New York Mellon

    Issue and paying agent

    The Bank of New York Mellon

  • European Medium Term Note Programme

    Financial statements

    2025 Financial Statements
    Rio Tinto Finance (USA) plc 2025
    PDF
    1.09 MB
    Rio Tinto Finance (USA) Limited 2025
    PDF
    1.2 MB
    Rio Tinto Finance (USA) Inc 2025
    PDF
    474 KB
    2025 Annual report
    PDF
    11.58 MB
    Rio Tinto 2025 half year results
    PDF
    601 KB
    2024 Financial Statements
    Rio Tinto Finance (USA) plc 2024
    PDF
    334 KB
    Rio Tinto Finance (USA) Limited 2024
    PDF
    717 KB
    Rio Tinto Finance (USA) Inc 2024
    PDF
    392 KB
    Annual Report 2024
    PDF
    16.46 MB
    2023 Financial Statements
    Rio Tinto Finance (USA) plc 2023
    PDF
    1.02 MB
    Rio Tinto Finance (USA) Limited 2023
    PDF
    11.49 MB
    Rio Tinto Finance (USA) Inc 2023
    PDF
    402 KB
    Annual Report 2023
    PDF
    13.04 MB

    Euro Medium Term Note Programme documents

    EMTN Supplemental Prospectus March 2026
    PDF
    426 KB
    EMTN Prospectus 2025
    PDF
    1.2 MB
    EMTN Agency Agreement
    PDF
    673 KB
    EMTN 14th Supplemental Trust Deed
    PDF
    1.27 MB

    Governance

    Rio Tinto Finance (USA) Limited Constitution
    PDF
    1.33 MB
    Rio Tinto Finance (USA) plc Memorandum and Articles of Association
    PDF
    582 KB
    Rio Tinto Finance (USA) Inc By-laws
    PDF
    130 KB
    Rio Tinto plc Articles of Association
    PDF
    488 KB
    Rio Tinto Limited Constitution
    PDF
    560 KB

    Program size

    Up to US$10 billion

    Guarantors

    Instruments issued by Rio Tinto Finance (USA) plc, Rio Tinto Finance (USA) Limited or Rio Tinto Finance (USA) Inc. will be unconditionally and irrevocably guaranteed by Rio Tinto plc and Rio Tinto Limited.

    Arranger

    HSBC

    Dealers

    ANZ 
    BNP PARIBAS 
    CHINA CONSTRUCTION BANK (ASIA) 
    CITIGROUP 
    DEUTSCHE BANK 
    ICBC 
    MIZUHO 
    SANTANDER CORPORATE & INVESTMENT BANKING 
    SOCIÉTÉ GÉNÉRALE CORPORATE & INVESTMENT BANKING
    TD SECURITIES  
    BANK OF CHINA 
    BOFA SECURITIES 
    CIBC CAPITAL MARKETS 
    CRÉDIT AGRICOLE CIB 
    HSBC 
    J.P. MORGAN 
    RBC CAPITAL MARKETS 
    SMBC 
    UBS INVESTMENT BANK

    *Banks which are not in the above dealers group can be “dealer for the day” for a transaction.

    Trustee

    Deutsche Trustee Company Limited

    Issue and paying agent

    Deutsche Bank AG, London Branch

Commercial paper programmes

Rio Tinto makes use of unsecured debt to finance short-term financing requirements.

Commercial paper is a short-term unsecured debt security that a company issues in exchange for cash. Outstanding commercial paper volumes will depend upon Rio Tinto's short-term financing needs.

  • US commercial paper

    Program size

    Up to US$4 billion

    Issuers

    • Rio Tinto America Inc
    • Rio Tinto Finance (USA) Inc.
    • Rio Tinto Finance (USA) plc
    • Rio Tinto (Commercial Paper) Limited

    Guarantors

    Instruments issued by Rio Tinto America Inc, Rio Tinto Finance (USA) Inc, and Rio Tinto Finance (USA) plc will be unconditionally and irrevocably guaranteed by Rio Tinto plc.

    Instruments issued by Rio Tinto (Commercial Paper) Limited will be unconditionally and irrevocably guaranteed by Rio Tinto Limited.

    In addition, Instruments are entitled to the benefit of deed poll guarantees entered into by each of Rio Tinto plc and Rio Tinto Limited pursuant to which each of Rio Tinto plc and Rio Tinto Limited has guaranteed the relevant contractual obligations of the other company (and the relevant obligations of other persons that are guaranteed by the other company).

    Dealers

    • J.P. Morgan Securities LLC
    • Credit Suisse Securities (USA) LLC
    • Citigroup Global Markets Inc.
    • RBC Capital Markets, LLC

    Issuing and paying agent

    Deutsche Bank Trust Company Americas

Committed bank facilities

On 16 November 2021, Rio Tinto Finance plc and Rio Tinto Finance Limited entered into a US$7.5 billion multi-currency revolving credit facility with a syndicate of banks. The facility is guaranteed by Rio Tinto plc and Rio Tinto Limited. The facility has a five-year term (November 2026) and two, one-year extension options. The facility includes a US$6.2 billion denominated same day access swing-line facility. The funds made available under the facilities may be used for the general corporate purposes of the Group. The new facility replaced the US$7.5 billion dual tranche revolving credit facility dated 15 November 2013, last amended in November 2020.

Outstanding notes - table of issues

Other debt

Rio Tinto Other Debt amounts to $6.2 billion as of 31 December 2025 which is funding at the business unit or asset level. This is largely driven by Oyu Tolgoi which has $3.8 billion in project financing. In addition, there is $0.8 billion of other secured or unsecured debt at the business unit or asset level and a further $1.6 billion of lease liabilities held on balance sheet under IFRS 16.

Borrowings and other financial liabilities

Borrowings at 31 December 2025 US$m
Oyu Tolgoi LLC MIGA Insured Loan SOFR plus 2.65% due 2032 (1) 588
Oyu Tolgoi LLC Commercial Banks "B Loan" SOFR plus 3.4% due 2032 (1) 1,355
Oyu Tolgoi LLC Export Credit Agencies Loan 4.72% due 2033 (1)  244
Oyu Tolgoi LLC Export Credit Agencies Loan SOFR plus 3.65% due 2034 (1)  796
Oyu Tolgoi LLC International Financial Institutions "A Loan" SOFR plus 3.78% due 2035 (1)  772
Other secured loan  39
Other unsecured loans  794
Lease liabilities  1,586
Bank overdrafts  7

1. These borrowings relate to the Oyu Tolgoi LLC project finance facility and the due dates stated represent the final repayment date. The interest rates stated are pre-completion and will increase by 1.2% post-completion, which is expected to happen in 2029 subject to meeting certain conditions.

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