FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person *   BANGA AJAY 2. Date of Event Requiring Statement (Month/Day/Year) 09/20/2005 3. Issuer Name and Ticker or Trading Symbol CITIGROUP INC [C] (Last) (First) (Middle) CITIGROUP INC. CORPORATE LAW DEPT., 425 PARK AVENUE 2ND FLOOR 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Co-CEO, Global Consumer Group 5. If Amendment, Date Original Filed(Month/Day/Year) (Street) NEW YORK, NY 10043 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common Stock 87,909.5 D   Common Stock 2,155.6 I By 401(k) Plan

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Options (Right to Buy)	11/02/2003	11/02/2008	Common Stock	47,157.5	$ 21.92	D	Â
Employee Stock Options (Right to Buy)	07/12/2005	02/12/2009	Common Stock	33,330	$ 32.05	D	Â
Employee Stock Options (Right to Buy)	07/12/2006	02/12/2009	Common Stock	16,670	$ 32.05	D	Â
Employee Stock Options (Right to Buy)	09/21/2001	11/02/2008	Common Stock	1,501	$ 41.32	D	Â
Employee Stock Options (Right to Buy)	04/18/2005	04/18/2010	Common Stock	57,183.9	$ 41.45	D	Â
Employee Stock Options (Right to Buy)	07/13/2005	02/13/2012	Common Stock	32,166	$ 42.11	D	Â
Employee Stock Options (Right to Buy)	07/13/2006	02/13/2012	Common Stock	10,722	$ 42.11	D	Â
Employee Stock Options (Right to Buy)	07/13/2007	02/13/2012	Common Stock	10,722	$ 42.11	D	Â
Employee Stock Options (Right to Buy)	01/20/2006	01/18/2011	Common Stock	9,726.5	$ 47.5	D	Â
Employee Stock Options (Right to Buy)	01/20/2007	01/18/2011	Common Stock	9,726.5	$ 47.5	D	Â
Employee Stock Options (Right to Buy)	01/20/2008	01/18/2011	Common Stock	9,726.5	$ 47.5	D	Â
Employee Stock Options (Right to Buy)	01/20/2009	01/18/2011	Common Stock	9,726.5	$ 47.5	D	Â
Employee Stock Options (Right to Buy)	07/20/2005	01/20/2010	Common Stock	18,331.5	$ 49.5	D	Â
Employee Stock Options (Right to Buy)	07/20/2006	01/20/2010	Common Stock	18,331.5	$ 49.5	D	Â
Employee Stock Options (Right to Buy)	07/20/2007	01/20/2010	Common Stock	18,337	$ 49.5	D	Â
Employee Stock Options (Right to Buy)	07/16/2005	01/16/2011	Common Stock	21,444	$ 49.55	D	Â
Employee Stock Options (Right to Buy)	07/16/2006	01/16/2011	Common Stock	5,361	$ 49.55	D	Â

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
BANGA AJAY CITIGROUP INC. CORPORATE LAW DEPT. 425 PARK AVENUE 2ND FLOOR NEW YORK, NY 10043	Â	Â	  Co-CEO, Global Consumer Group	Â

Signatures

Ajay Banga by Glenn S. Gray, Attorney-in-Fact		09/30/2005
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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