SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT



                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)     August 26, 2003
                                                 -------------------------------



                                 Citigroup Inc.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


  Delaware                           1-9924                  52-1568099
  --------------                ----------------           --------------
  (State or other                 (Commission              (IRS Employer
  jurisdiction of                 File Number)             Identification No.)
  incorporation)

             399 Park Avenue, New York, New York          10043
- --------------------------------------------------------------------------------
          (Address of principal executive offices)      (Zip Code)

                                 (212) 559-1000
- --------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)

                                 CITIGROUP INC.
                           Current Report on Form 8-K

Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.


      Exhibits:



   Exhibit No.   Description
   -----------   -----------
              
      1.01       Terms Agreement, dated August 26, 2003, among the Company and
                 the underwriters named therein, relating to the offer and sale
                 of the Company's Floating Rate Notes due September 1, 2005.

      4.01       Form of Note for the Company's Floating Rate Notes due
                 September 1, 2005.



                                       2

                                    SIGNATURE

            Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Dated: September 3, 2003                  CITIGROUP INC.



                                          By: /s/ Guy R. Whittaker
                                              ----------------------------------
                                                  Guy R. Whittaker
                                                  Treasurer


                                       3