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.
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             (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
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    (Address of principal executive offices)               (Zip Code)

                                 (212) 559-1000
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              (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, 2006.

        4.01         Form of Note for the Company's Floating Rate Notes due
                     September 1, 2006.


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                                    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


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