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) October 31, 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 October 31, 2003, among the
                           Company and the underwriters named therein, relating
                           to the offer and sale of the Company's 4.75% Notes
                           due November 12, 2013.

           4.01            Form of DTC Global Note for the Company's 4.75% Notes
                           due November 12, 2013.

           4.02            Form of International Global Note for the Company's
                           4.75% Notes due November 12, 2013.

           4.03            Agency Agreement, dated November 12, 2003, among the
                           Company, Citibank, N.A. and Dexia Banque
                           Internationale a Luxembourg, Societe Anonyme.

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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:  November 12, 2003               CITIGROUP INC.

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

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