Our priorities reflect the views of our stakeholders and the risks and opportunities of our business. We keep a constant watch on economic conditions and local and global concerns, largely by engaging with our stakeholders. At the same time, we maintain an unwavering commitment to these priorities:

• Treat customers fairly and support them in times of financial difficulty. This is embodied in our commitment to responsible finance.
• Provide access to financial services - and the necessary, related knowledge and support - for those who would otherwise be excluded from the economic mainstream. We are committed to financial inclusion.
• Lead the industry in developing and using standards to manage the environmental and social risks of our activities; and mitigate climate change - we are directing $50 billion over 10 years to renewable energy and energy efficiency projects.
• Provide opportunity for our global and diverse talent base to succeed.

In addition, we strive to recruit and retain diverse and engaged teams around the world. We support our Citizenship priorities with our products and services, through lending and investing, and through philanthropic investments by the Citi Foundation.