Citigroup Analysis

David DiFilippo

Citigroup Sustainability Report

17 October 2012

Introduction

This report is designed to assess how Citigroup, one of the world’s largest corporations and providers of financial services, performs along the sustainability dimension. Using the Key Performance Indicators released by SASB in August 2012, this report will identify Citigroup’s sustainability initiatives and how well they perform amongst the various sustainability factors, which include environmental, social, and governance issues. The report is formatted such that each key performance indicator and respective fact or figure is listed in a table, followed by a comprehensive summary and analysis of Citigroup’s overall competitive position within the industry.

Commercial Banking Key Performance Indicators (KPI’s)

Impacts

Performance Indicators | Citigroup’s Metrics |

Tier 1 Common Equity | Tier 1 Common Ratio: 11.80% [1]Common stockholder’s equity: $177,494 (in millions) [1] |

Tier 1 Capital and Total Capital Ratio | Tier 1 Capital Ratio: 13.55% [1]Total Capital Ratio: 16.99% [1] |

Capital Conservation Buffer | According to Citigroup’s 2011 Annual Report [1], the effective minimum ratios (including capital conservation buffers) in relation to a company’s existing capital requirements are as follows (2.5% G-SIB surcharge ratio in parentheses):Tier 1 Common: 7.0% (9.5%)Tier 1 Capital: 8.5% (11%)Total Capital: 10.5% (13%)As indicated by the ratios listed in KPI’s 1 and 2, Citigroup hold the required buffers of capital above the regulatory minimum. |

Loans as % of Deposits Within Low/Moderate Income Communities | In 2011, the Citi Foundation invested $78 million to support economic empowerment and financial inclusion in low to middle income communities worldwide. Citi Community Capital also provided $2.16 billion to finance affordable housing in the U.S., making it the top affordable housing lender in 2011, and $3.4 billion in total transactions with communities in the...