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) January 31, 2006

                                 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)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))



                                 CITIGROUP INC.
                           Current Report on Form 8-K

Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(d)  Exhibits:



Exhibit No.   Description
- -----------   -----------
           
1.01          Terms Agreement, dated January 26, 2006, among the Company and the
              underwriters named therein, relating to the offer and sale of the
              Company's Floating Rate Notes due January 30, 2009.

4.01          Form of Note for the Company's Floating Rate Notes due January 30,
              2009.



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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: January 31, 2006                 CITIGROUP INC.


                                        By: /s/ Eric Wentzel
                                            ------------------------------------
                                            Eric Wentzel
                                            Assistant Treasurer


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