Ownership Submission
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 *
  Bermudez Jorge A.
 2. Date of Event Requiring Statement (Month/Day/Year)
11/16/2007		 3. Issuer Name and Ticker or Trading Symbol
CITIGROUP INC [C]
(Last)
(First)
(Middle)
C/O CORPORATE LAW DEPT., CITIGROUP INC., 425 PARK AVENUE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Chief Risk Officer
 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 123,264.5
D
 

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)   (1) 04/18/2010 Common Stock 92,923.92 $ 41.4452 D  
Employee Stock Options (Right to Buy)   (2) 01/16/2011 Common Stock 64,331.94 $ 49.5477 D  
Employee Stock Options (Right to Buy)   (3) 02/13/2012 Common Stock 75,053.93 $ 42.1097 D  
Employee Stock Options (Right to Buy)   (4) 02/12/2009 Common Stock 60,000 $ 32.05 D  
Employee Stock Options (Right to Buy)   (5) 01/20/2010 Common Stock 33,333.33 $ 49.5 D  
Employee Stock Options (Right to Buy)   (6) 01/16/2013 Common Stock 10,925.45 $ 54.38 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Bermudez Jorge A.
C/O CORPORATE LAW DEPT., CITIGROUP INC.
425 PARK AVENUE
NEW YORK, NY 10043		       Chief Risk Officer  

Signatures

Jorge A. Bermudez by Joseph B. Wollard, Attorney-in-Fact 11/26/2007
**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).
(1) The options vested in five equal annual installments that began on July 18, 2001.
(2) The options vested in five equal annual installments that began on July 16, 2002.
(3) The options vested in five equal annual installments that began on July 13, 2003.
(4) The options vested in three equal annual installments that began on July 12, 2004.
(5) The options vested in three equal annual installments that began on July 20, 2005.
(6) The options vest in four equal annual installments beginning on January 20, 2008.

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