• Unveiled initial plan to reach net zero emissions by 2050, including 2030 targets for our Energy and Power loan portfolios • Co-founded the Net Zero Banking Alliance, which will help establish an industry framework for decarbonizing the banking sector Played a leading role in driving the transition to net zero • Invested $1 billion in strategic initiatives as part of Citi and the Citi Foundation’s Action for Racial Equity commitment in year one of a three- year commitment • Launched the Diverse Financial Institutions Group to lead and expand firm-wide engagement with minority depository institutions, diverse broker-dealers and diverse asset managers • Worked exclusively with five Black-owned firms to syndicate a $2.5 billion bond issuance • Directed 68% of the Citi Impact Fund’s 2021 asset allocation to women and/or racially/ethnically diverse founders of companies Deepened our efforts to help close the racial wealth gap and increase economic mobility in the U.S. • Committed $1 trillion in sustainable finance by 2030, including $500 billion for environmental finance and $500 billion for social finance • Financed and facilitated $222 billion in sustainable finance activity in 2020 and 2021 Furthered the acceleration to a sustainable, low-carbon economy that supports the needs of society ESG at Citi At Citi, our ESG agenda reflects the role and responsibility we feel as a global bank to help solve many of society’s toughest challenges. It’s a part of our business model, and embedded in the products and services we offer. As we continue to evolve our ESG priorities to address ever-changing realities around the world, we remain committed to sharing our progress — as we believe transparency and accountability are key to success. • Issued a first-of-its-kind $1 billion social finance bond to expand access to essential services in emerging markets • Announced a new commitment, through which we aim to invest in opportunities for 15 million low-income households, including 10 million women, globally by 2025 Maximized positive social impact and advanced financial innovations in emerging markets 2021 Highlights • Provided $5.6 billion in loans for affordable housing projects in 2021, making Citi the largest U.S. affordable housing development lender for the 12th consecutive year Increased affordable housing in the U.S. • Disclosed annual, public update on our pay equity review, highlighting progress on median pay for women globally and U.S. minorities • Exceeded our three-year representation goals set in 2018 to increase representation for women globally and for Black talent in the U.S. • Promoted one of the largest and most diverse Managing Director classes in recent years Continued transparency around pay equity and increased diverse representation Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 6