Material ESG Topics * Material ESG Topics* K ey Stakeholders Clients and Customers Employees Suppliers Communities and NGOs Shareholders Government & Regulators Environmental Biodiversity Climate Change Environmental Justice Operational Footprint Products and Services with Environmental or Social Benefits Social Community Investment COVID-19 Employee Health and Well-being Financial Inclusion Human Rights Racial Equity/Racial Justice Talent Attraction, Retention and Development Workforce Diversity, Inclusion and Equal Opportunity Governance Business Ethics Business Model Resilience Data Security/ Financial Product Safety ESG Governancee Innovation and Digitization Public Policy and Regulation Reform Stakeholder Engagement Systemic Risk Management Transparency and Trust * These are the topics identified during the materiality assessment we conducted in 2020. Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 14