63 Sustainability Report 2021 Inclusive Growth | Defining and Executing on Our Strategy Defining and Executing on Our Strategy In line with our broader approach to sustainability, our approach to inclusive growth is grounded in the areas where we believe we as a financial institution can drive the most material impact — our work with clients and investments; our own organization, operations, and footprint; and how we tackle gaps we cannot address on our own through partnerships, policy, and philanthropy. INCLUSIVE GROWTH Commercial Work With Clients COMMERCIAL LEVERS TO ADVANCE INCLUSIVE GROWTH THREE CORE ELEMENTS OF INCLUSIVE GROWTH 1 Technology that’s integrated into businesses can enable them to reach more people, at lower cost, with greater speed, and with more impact. 2 Business model innovations can find alternative revenue models to support impactful products or services in cases where communities may not be able to pay for them directly. 3 Supporting the public sector can drive government funding for services or catalyze capital markets innovation for inclusive growth. 4 Power of data can provide new ways to direct capital to traditionally underserved populations or support investors in advancing their goals. 5 Commitment and leadership to set an ambition and apply the drive, resources, and creativity to make progress creates the potential for greater long-term impact. Expanding access Increasing affordability Driving outcomes