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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 ETDEOsIbqFtKS0F7Q8CAvGepiEY0dJ0lwFDdhH/xT5+tvRMo1OgXsu1k/Q0/eKUQ
 yk8VKI0rFU2CM+MEWa1amg==

<SEC-DOCUMENT>0001181431-03-017834.txt : 20030807
<SEC-HEADER>0001181431-03-017834.hdr.sgml : 20030807
<ACCEPTANCE-DATETIME>20030807134749
ACCESSION NUMBER:		0001181431-03-017834
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030801
FILED AS OF DATE:		20030807

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WILLUMSTAD ROBERT B
		CENTRAL INDEX KEY:			0001225708

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-09924
		FILM NUMBER:		03828368

	MAIL ADDRESS:	
		STREET 1:		CITIGROUP INC/CORP LAW DEPT
		STREET 2:		425 PARK AVE 2ND FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10043

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIGROUP INC
		CENTRAL INDEX KEY:			0000831001
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				521568099
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		399 PARK AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10043
		BUSINESS PHONE:		2125591000

	MAIL ADDRESS:	
		STREET 1:		399 PARK AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10043

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS GROUP INC
		DATE OF NAME CHANGE:	19950519

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS INC
		DATE OF NAME CHANGE:	19940103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PRIMERICA CORP /NEW/
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd15543.xml
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-08-01</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000831001</issuerCik>
        <issuerName>CITIGROUP INC</issuerName>
        <issuerTradingSymbol>C</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001225708</rptOwnerCik>
            <rptOwnerName>WILLUMSTAD ROBERT B</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O CITIGROUP INC. CORPORATE LAW DEPT.</rptOwnerStreet1>
            <rptOwnerStreet2>425 PARK AVENUE, 2ND FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10043</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>President</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-08-01</value></transactionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>500</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1474257.5</value><footnoteId id="F1"/></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></own
ershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8590.5</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Issuer's 401(k) Plan.</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><footnotes><footnote id="F1">Includes 98,681 shares directly beneficially owned by the Reporting Person in his capacity as trustee of two Grantor Retained Annuity Trusts.</footnote></footnotes><ownerSignature><signatureName>Robert B. Willumstad by Glenn S. Gray, Attorney-in-Fact</signatureName><signatureDate>2003-08-07</signatureDate></ownerSignature></ownershipDocument>



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