ESG at Citi 5 Letter from Our CEO 8 Our ESG Strategy 10 ESG Governance at Citi 13 Our Material ESG Issues: Citi in a Global Context 16 Citi and the Sustainable Development Goals 17 Stakeholder Engagement at Citi Sustainable Finance 20 Our $1 Trillion Commitment Sustainable Progress 33 Financing the Low-Carbon Transition 37 Climate Risk and Net Zero 50 Sustainable Operations Equitable and Resilient Communities 62 Our Commitment to Social Finance 66 Action for Racial Equity 70 Citi Impact Fund 72 COVID-19 Relief and Recovery 75 Affordable Housing 78 Strategic Philanthropy Talent and Diversity , Equity & Inclusion 81 Return to Office and the Future of Work 83 Diversity, Equity & Inclusion 97 Using Our Corporate Voice to Drive Change 99 Employment Data Risk Management and Responsible Business 104 Our Transformation 110 Risk Management 121 Serving Our Customers and Clients Responsibly 125 Human Rights 134 Responsible Sourcing Appendices 139 GRI Content Index 150 Sustainability Accounting Standards Board Index 155 The Principles for Responsible Banking Index 168 Task Force on Climate-related Financial Disclosures Index 170 United Nations Global Compact Index 172 United Nations Guiding Principles Reporting Framework Index 176 Assurance Table of Contents Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 2