Obbligazione CityCorp Inc 2.4% ( XS0233761138 ) in JPY

CityCorp Inc

100 JPY ▼

Stati Uniti

XS0233761138 ( in JPY )

2.4% per anno ( pagato 1 volta l'anno)

31/10/2025

Prospetto opuscolo dell'obbligazione CITIGROUP INC XS0233761138 en JPY 2.4%, scadenza 31/10/2025

100 000 JPY

75 000 000 000 JPY

Citigroup Inc. è una multinazionale statunitense operante nel settore dei servizi finanziari, offrendo una vasta gamma di prodotti e servizi bancari a clienti privati, aziende e istituzioni governative in tutto il mondo.

L'obbligazione con codice ISIN XS0233761138 è stata emessa da CITIGROUP INC, un colosso dei servizi finanziari diversificati con sede negli Stati Uniti e un'impronta operativa globale, noto per offrire una vasta gamma di prodotti e servizi bancari, di investimento e di gestione patrimoniale; quotata attualmente al 100% del suo valore nominale sul mercato, questa emissione, denominata in Yen Giapponesi (JPY), offre un tasso d'interesse annuale del 2.4% con pagamenti delle cedole eseguiti una volta all'anno; con una scadenza fissata al 31 ottobre 2025, il suo ammontare complessivo è di 75.000.000.000 JPY e il taglio minimo per l'acquisto è di 100.000 JPY.

PROSPECTUS SUPPLEMENT
(to prospectus dated September 2, 2004)
Í50,000,000,000
2.400% Notes due 2025
The notes oÅered by this prospectus supplement will mature on October 31, 2025. The notes will bear
interest at a Ñxed rate of 2.400% per annum. Interest on the notes is payable in equal installments, semi-
annually on April 30 and October 31 of each year, beginning May 1, 2006. The notes may not be redeemed
prior to maturity, unless changes involving United States taxation occur which could require Citigroup to pay
additional amounts as described under ""Description of Notes.''
The notes are being oÅered globally for sale in the United States, Europe, Asia and elsewhere where it is
lawful to make such oÅers. Application will be made to list the notes on the regulated market of the
Luxembourg Stock Exchange, but Citigroup is not required to maintain this listing. See ""Description of the
Notes Ì Listing.''
Neither the Securities and Exchange Commission nor any state securities commission nor the Luxembourg
Stock Exchange has approved or disapproved of these notes or determined if this prospectus supplement or the
accompanying prospectus is truthful or complete. Any representation to the contrary is a criminal oÅense.
Per Note
Total
Public OÅering Price ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
99.773%
Í49,886,500,000
Underwriting Discount ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
.500%
Í
250,000,000
Proceeds to Citigroup (before expenses)ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
99.273%
Í49,636,500,000
Interest on the notes will accrue from October 31, 2005 to the date of delivery. Net proceeds to Citigroup
(after expenses) are expected to be approximately Í49,616,400,000.
The underwriters are oÅering the notes subject to various conditions. The underwriters expect that the notes
will be ready for delivery in book-entry form only through The Depository Trust Company, Clearstream or the
Euroclear System on or about October 31, 2005.
The notes are not deposits or savings accounts but are unsecured debt obligations of Citigroup and are not
insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality.
Nikko Citigroup
Mizuho International plc
Nomura Securities
UBS Investment Bank
October 21, 2005

TABLE OF CONTENTS
Page
Prospectus Supplement
The Company ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-4
Selected Historical Financial DataÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
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Capitalization ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
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Ratio of Income to Fixed Charges and Ratio of Income to Combined Fixed Charges Including
Preferred Stock Dividends ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-6
Use of Proceeds ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
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Description of Notes ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
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United States Tax Documentation Requirements ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-19
United States Federal Income Tax Considerations ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-20
Currency Conversions and Foreign Exchange Risks AÅecting Yen Notes ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-24
UnderwritingÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-26
Legal Opinions ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
S-29
General Information ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
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Prospectus
Prospectus Summary ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
1
Forward-Looking Statements ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
7
Citigroup Inc. ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
7
Use of Proceeds and Hedging ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
8
European Monetary Union ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
9
Description of Debt Securities ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
9
Description of Common Stock Warrants ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
17
Description of Index Warrants ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
18
Description of Capital StockÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
21
Description of Preferred Stock ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
23
Description of Depositary Shares ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
25
Description of Stock Purchase Contracts and Stock Purchase UnitsÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
28
Book-Entry Procedures and SettlementÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
28
Plan of Distribution ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
30
ERISA Considerations ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
32
Legal Matters ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
33
Experts ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
33
You should rely only on the information contained or incorporated by reference in this prospectus
supplement and the accompanying prospectus. Citigroup has not authorized any other person to provide
you with diÅerent information. If anyone provides you with diÅerent or inconsistent information, you
should not rely on it. Citigroup is not making an oÅer to sell the notes in any jurisdiction where their oÅer
and sale is not permitted. You should assume that the information appearing in this prospectus supplement
and the accompanying prospectus, as well as information Citigroup previously Ñled with the Securities and
Exchange Commission and incorporated by reference, is accurate only as of the date of the applicable
document.
The Luxembourg Stock Exchange takes no responsibility for the contents of this document, makes
no representation as to its accuracy or completeness and expressly disclaims any liability whatsoever for
any loss howsoever arising from or in reliance upon the whole or any part of the contents of this
prospectus supplement and the accompanying prospectus.
Each of the prospectus and prospectus supplement is an advertisement for the purposes of applicable
measures implementing the European Council Directive 2003/71/EC (such Directive, together with any
S-2

applicable implementing measures in the relevant home Member State under such Directive, the
""Prospectus Directive''). A listing prospectus prepared pursuant to the Prospectus Directive will be
published, which can be obtained from Registre de Commerce et des Soci et es fi
a Luxembourg so long as any
of the notes are outstanding and listed on the Luxembourg Stock Exchange.
The distribution or possession of this prospectus and prospectus supplement in or from certain
jurisdictions may be restricted by law. Persons into whose possession this prospectus and prospectus
supplement come are required by Citigroup and the underwriters to inform themselves about, and to
observe any such restrictions, and neither Citigroup nor any of the underwriters accepts any liability in
relation thereto.
To the extent the oÅer of the notes is made in any Member State of the European Economic Area
that has implemented the Prospectus Directive before the date of publication of a prospectus in relation to
the notes which has been approved by the competent authority in that Member State in accordance with
the Prospective Directive (or, where appropriate, published in accordance with the Prospectus Directive
and notiÑed to the competent authority in that Member State in accordance with the Prospectus
Directive), the oÅer (including any oÅer pursuant to this document) is only addressed to qualiÑed
investors in that Member State within the meaning of the Prospectus Directive or has been or will be
made otherwise in circumstances that do not require Citigroup to publish a prospectus pursuant to the
Prospectus Directive.
This document is only being distributed to and is only directed at (i) persons who are outside the
United Kingdom or (ii) investment professionals falling within Article 19(5) of the Financial Services and
Markets Act 2000 (Financial Promotion) Order 2005 (the ""Order'') or (iii) high net worth entities, and
other persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the
Order (all such persons together being referred to as ""relevant persons''). The notes are only available to,
and any invitation, oÅer or agreement to subscribe, purchase or otherwise acquire such notes will be
engaged in only with, relevant persons. Any person who is not a relevant person should not act or rely on
this document or any of its contents.
In connection with this issue, Citigroup Global Markets Limited as stabilizing manager (or persons
acting on behalf of the stabilizing manager) may over-allot notes (provided that the aggregate principal
amount of notes allotted does not exceed 105% of the aggregate principal amount of the notes) or eÅect
transactions with a view to supporting the market price of the notes at a higher level than that which
might otherwise prevail. However, there is no obligation on the stabilizing manager (or persons acting on
its behalf) to undertake stabilization action. Any stabilization action may begin on or after the date on
which adequate public disclosure of the Ñnal terms of the notes is made and, if begun, may be
discontinued at any time but must end no later than the earlier of 30 days after the issuance of the notes
and 60 days after the allotment of the notes.
This prospectus supplement and the accompanying prospectus are not an oÅer to sell these securities
and are not soliciting an oÅer to buy these securities in any jurisdiction where the oÅer or sale is not
permitted or where the person making the oÅer or sale is not qualiÑed to do so or to any person to whom
it is not permitted to make such oÅer or sale. See ""Underwriting.''
References in this prospectus supplement to ""dollars,'' ""$'' and ""U.S. $'' are to United States dollars
and to ""Yen'' and ""Í'' are to Japanese Yen.
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THE COMPANY
Citigroup Inc. is a diversiÑed global Ñnancial services holding company whose businesses provide a
broad range of Ñnancial services to consumer and corporate customers with some 200 million customer
accounts doing business in more than 100 countries. Citigroup's business is conducted through more than
3,500 subsidiaries and aÇliates. Citigroup's activities are conducted through the Global Consumer,
Corporate and Investment Banking, Global Wealth Management, and Alternative Investments business
segments. Citigroup's principal subsidiaries are Citibank, N.A., Associates First Capital Corporation,
Citigroup Global Markets Inc. and Grupo Financiero Banamex, S.A. de C.V., each of which is a wholly
owned, indirect subsidiary of Citigroup. Citigroup was incorporated in 1988 under the laws of the State of
Delaware as a corporation with perpetual duration.
The principal oÇce of Citigroup is located at 399 Park Avenue, New York, New York 10043, and its
telephone number is (212) 559-1000.
SELECTED HISTORICAL FINANCIAL DATA
We are providing or incorporating by reference in this prospectus supplement selected historical
Ñnancial information of Citigroup. We derived this information from the consolidated Ñnancial statements
of Citigroup for each of the periods presented. The information is only a summary and should be read
together with the Ñnancial information incorporated by reference in this prospectus supplement and the
accompanying prospectus, copies of which can be obtained free of charge. See ""Where You Can Find
More Information'' on page 6 of the accompanying prospectus.
In addition, you may receive copies of all of Citigroup's Ñlings with the SEC that are incorporated by
reference in this prospectus supplement and the accompanying prospectus free of charge at the oÇce of
Citigroup's listing agent, Dexia Banque Internationale fia Luxembourg, located at 69, route d'Esch, L-2953
Luxembourg so long as the notes are listed on the Luxembourg Stock Exchange. Such documents will also
be published on the website of the Luxembourg Stock Exchange (www.bourse.lu) upon listing of the
notes.
The consolidated audited annual Ñnancial statements of Citigroup for the Ñscal years ended
December 31, 2004 and 2003, and its consolidated unaudited Ñnancial statements for the periods ended
June 30, 2005 and 2004, are incorporated herein by reference. These statements are obtainable free of
charge at the oÇce of Citigroup's listing agent, at the address set forth in the preceding paragraph.
At or for the Six Months
Ended June 30,
At or for the Year Ended December 31,
2005
2004
2004
2003
2002
2001
2000
(dollars in millions, except per share amounts)
Income Statement Data:
Total revenues, net of
interest expense
$
41,365
$
40,787
$
79,635
$
71,594
$
66,246
$
61,621
$ 58,239
Income from continuing
operations
9,846
5,880
16,054
17,058
12,682
12,183
11,310
Net income
10,514
6,417
17,046
17,853
15,276
14,126
13,519
Dividends declared per
common share(1)
0.880
0.800
1.60
1.10
0.700
0.600
0.520
Balance Sheet Data:
Total assets
$1,547,789
$1,396,568
$1,484,101
$1,264,032
$1,097,590(2) $1,051,850(2) $902,610(2)
Total deposits
572,574
524,400
562,081
474,015
430,895
374,525
300,586
Long-term debt
211,346
189,071
207,910
162,702
126,927
121,631
111,778
Total stockholders' equity
113,037
98,311
109,291
98,014
86,718
81,247
66,206
(1) Amounts represent Citigroup's historical dividends per common share and have been adjusted to reflect stock splits.
(2) ReclassiÑed to conform to the current period's presentation.
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CAPITALIZATION
The following table sets forth the consolidated capitalization of Citigroup at June 30, 2005 and as
adjusted to give eÅect to the issuance and sale of the notes and the assumed application of the proceeds
therefrom to the repayment of short-term borrowings. No other change in the consolidated capitalization
of Citigroup since June 30, 2005 is reÖected in the table. The information is only a summary and should
be read together with the Ñnancial information incorporated by reference in this prospectus supplement
and the accompanying prospectus and which can be obtained free of charge. See ""Where You Can Find
More Information'' on page 6 of the accompanying prospectus.
As of the date of this prospectus supplement, there has been no material change in the consolidated
capitalization of Citigroup since June 30, 2005 except as described in the footnotes to the table below.
At June 30, 2005
Outstanding
As Adjusted
(dollars in millions)
Debt:
Investment banking and brokerage borrowingsÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
$ 24,727
$ 24,727
Short-term borrowingsÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
38,257
37,824
Long-term debt ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
211,346
211,779
Total debt(1) ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
274,330
274,330
Stockholders' equity:
Preferred stock at aggregate liquidation value ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
1,125
1,125
Common stock and additional paid-in capital (net of treasury stock)(2) ÏÏÏÏ
7,933
7,933
Retained earningsÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
108,026
108,026
Accumulated other changes in equity from nonowner sources ÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
(1,030)
(1,030)
Unearned compensation ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
(3,017)
(3,017)
Total stockholders' equity ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
113,037
113,037
Total capitalization ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
$387,367
$387,367
(1) Does not reÖect the issuance by Citigroup (a) on August 3, 2005 of U.S. $1,250,000,000 of its
4.625% senior notes, (b) on August 5, 2005 of Euros 1,000,000,000 of its 3.50% senior notes, (c) on
August 17, 2005 of Euros 250,000,000 of its 3.50% senior notes, (d) on September 14, 2005 of
$600,000,000 of its Öoating rate senior notes, (e) on September 16, 2005 of Yen 230,000,000,000 of
its Ñxed rate senior notes, (f) on September 20, 2005 of U.S. $500,000,000 of its 4.200% senior notes,
(g) on September 23, 2005 of Swiss francs 350,000,000 of its 1.750% senior notes and Swiss francs
250,000,000 of its 2.375% senior notes, (h) on October 7, 2005 of Canadian dollars 500,000,000 of its
4.650% Ñxed rate/Öoating rate subordinated notes, (i) of U.S. $500,000,000 of its Öoating rate senior
notes, expected to be issued on October 25, 2005 and (j) of British pounds sterling 500,000,000 of its
Öoating rate senior notes, expected to be issued on November 1, 2006.
(2) Common stock, par value U.S. $0.01 per share, 15 billion shares authorized, 5,170,081,220 shares
outstanding at June 30, 2005.
S-5

RATIO OF INCOME TO FIXED CHARGES AND
RATIO OF INCOME TO COMBINED FIXED CHARGES
INCLUDING PREFERRED STOCK DIVIDENDS
The following table shows (1) the consolidated ratio of income to Ñxed charges and (2) the
consolidated ratio of income to combined Ñxed charges including preferred stock dividends of Citigroup for
the six months ended June 30, 2005 and each of the Ñve most recent Ñscal years.
Six Months
Year Ended December 31,
Ended
June 30, 2005
2004
2003
2002
2001
2000
Ratio of income to Ñxed charges (excluding interest on
deposits) ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
2.44
2.65
3.42
2.52
1.93
1.76
Ratio of income to Ñxed charges (including interest on
deposits) ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
1.91
2.01
2.43
1.90
1.59
1.49
Ratio of income to combined Ñxed charges including
preferred stock dividends (excluding interest on
deposits) ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
2.43
2.63
3.39
2.50
1.92
1.75
Ratio of income to combined Ñxed charges including
preferred stock dividends (including interest on
deposits) ÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏ
1.91
2.00
2.41
1.89
1.58
1.48
USE OF PROCEEDS
Citigroup will use the net proceeds (after expenses) it receives from the sale of the notes
(approximately Í49,616,400,000) for general corporate purposes, which may include (1) capital
contributions to subsidiaries of Citigroup and/or (2) the reduction or reÑnancing of borrowings of
Citigroup or its subsidiaries. Citigroup expects to incur additional indebtedness in the future.
S-6

DESCRIPTION OF NOTES
The following description of the particular terms of the notes supplements the description of the
general terms set forth in the accompanying prospectus. It is important for you to consider the information
contained in the accompanying prospectus and this prospectus supplement before making your decision to
invest in the notes. If any speciÑc information regarding the notes in this prospectus supplement is
inconsistent with the more general terms of the notes described in the prospectus, you should rely on the
information contained in this prospectus supplement.
General
The notes oÅered by this prospectus supplement are a series of senior debt securities issued under
Citigroup's senior debt indenture. The notes will initially be limited to an aggregate principal amount of
Í50,000,000,000.
The notes will be issued only in fully registered form without coupons, in denominations of Í100,000
and whole multiples of Í100,000. All the notes are unsecured obligations of Citigroup and will rank equally
with all other unsecured senior indebtedness of Citigroup, whether currently existing or hereafter created.
As of the date of this prospectus supplement, Citigroup may oÅer an aggregate principal amount of
$17,204,560,030 of additional debt securities under the registration statement of which this prospectus
supplement and the accompanying prospectus form a part. Citigroup may, without notice to or consent of
the holders or beneÑcial owners of the notes, issue additional notes having the same ranking, interest rate,
maturity and other terms as the notes. Any such additional notes issued could be considered part of the
same series of notes under the indenture as the notes.
The notes are not redeemable prior to maturity, except upon the occurrence of the tax events
described below. See ""Ì Redemption for Tax Purposes.'' The redemption price for the notes will be 100%
of the principal amount thereof plus accrued interest to the date of the redemption. The notes are not
subject to any sinking fund.
The currency for payment for the notes is Yen. However, when interests in the notes are held through
DTC, all payments in respect of such DTC notes will be made in U.S. dollars, unless the holder of a
beneÑcial interest in the DTC notes elects to receive payment in Yen. See ""Currency Conversions and
Foreign Exchange Risks AÅecting Yen Notes Ì Currency Conversion''.
The notes will be issued on October 31, 2005. The notes will bear interest at a Ñxed rate per annum
of 2.400%, starting on October 31, 2005 and ending on their maturity date, which is October 31, 2025.
Interest on the notes will be payable in equal installments, semi-annually on April 30 and October 31 of
each year, starting on May 1, 2006. All payments of interest on the notes will be made to the persons in
whose names the notes are registered at the close of business on the April 15 or October 15 preceding the
interest payment date. The amount of each semi-annual interest payment will be Í1,200 per Í100,000
principal amount.
Interest for any period shorter than a full semi-annual interest period will be calculated on the basis
of the actual number of days elapsed and a year of 365 days. All Yen amounts resulting from this
calculation will be rounded to the nearest Yen, with Ñve-tenths or more of Í1 to be rounded upwards to
the nearest Í1 per note.
Payments of principal and interest on the notes issued in book-entry form will be made as described
below under ""Ì Book-Entry Notes.'' Payments of principal and interest on notes issued in deÑnitive form,
if any, will be made as described below under ""Ì DeÑnitive Notes and Paying Agents.''
The notes are subject to the defeasance provisions explained in the accompanying prospectus under
""Description of Debt Securities Ì Defeasance.'' Any funds deposited pursuant to the defeasance provisions
will be Yen and any deposited securities will be issued or guaranteed by the Government of Japan.
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If an interest payment date or the maturity date falls on a day that is not a Business Day, the
payment due on such interest payment date or maturity date will be postponed to the next succeeding
Business Day, and no further interest will accrue in respect of such postponement. For this purpose,
""Business Day'' means any day which is a day on which commercial banks settle payments and are open
for general business in New York City, London and Tokyo.
If a date for payment of interest or principal on the notes falls on a day that is not a business day in
the place of payment, such payment will be made on the next succeeding business day in such place of
payment as if made on the date the payment was due. No interest will accrue on any amounts payable for
the period from and after the due date for payment of such principal or interest.
A Ñscal agency agreement has been entered into in relation to the notes between Citigroup, Citibank,
N.A. London oÇce, as registrar, Ñscal agent and exchange agent, and the other paying agent named
therein. Payment of principal of and interest on the notes will be made through the oÇce of the Ñscal
agent in London. The terms ""registrar,'' ""Ñscal agent,'' ""exchange agent'' and ""paying agent'' shall include
any successors appointed from time to time in accordance with the provisions of the Ñscal agency
agreement, and any reference to an ""agent'' or ""agents'' shall mean any or all (as applicable) of such
persons.
The noteholders are bound by, and are deemed to have notice of, the provisions of the Ñscal agency
agreement. Copies of the Ñscal agency agreement are available for inspection during usual business hours
at the principal oÇce of the Ñscal agent. Copies of the Ñscal agency agreement will also be available for
inspection, free of charge, at the oÇce of Dexia Banque Internationale fia Luxembourg S.A.
Listing
Application will be made to list the notes on the regulated market of the Luxembourg Stock
Exchange.
The European Commission has adopted a Directive of the European Parliament and of the Council
(2004/109/EC), the ""Transparency Directive'') on the harmonization of transparency requirements
relating to Ñnancial information of issuers whose securities are admitted to trading on a regulated market
in the European Union, such as the Luxembourg Stock Exchange. If the Transparency Directive is
implemented in Luxembourg in a manner that would require Citigroup to publish its Ñnancial statements
according to accounting principles or standards that are materially diÅerent from U.S. generally accepted
accounting principles or that would otherwise impose requirements on Citigroup that it in good faith
determines are unduly burdensome, Citigroup may seek to de-list the notes. Citigroup will use its
reasonable best eÅorts to obtain an alternative admission to listing, trading and/or quotation for the notes
by another listing authority, exchange and/or system within or outside the European Union, as it may
decide. If such an alternative admission is not available to Citigroup or is, in Citigroup's opinion, unduly
burdensome, an alternative admission may not be obtained. Notice of any de-listing and/or alternative
admission will be given as described in ""Ì Notices'' below.
Book-Entry Notes
The information set out below in connection with The Depository Trust Company, the Euroclear
System and Clearstream International is subject to any change in or reinterpretation of the rules,
regulations and procedures of the clearing systems currently in eÅect. The information in this section
concerning the clearing systems has been obtained from sources that we believe to be reliable, but neither
we nor any underwriter takes any responsibility for the accuracy thereof.
Investors wishing to use the facilities of any of the clearing systems are advised to conÑrm the
applicability of the rules, regulations and procedures of the relevant clearing system. Neither Citigroup nor
any other party to the Ñscal agency agreement will have any responsibility or liability for any aspect of the
records relating to, or payments made on account of interests in the notes held through the facilities of,
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any clearing system or for maintaining, supervising or reviewing any records relating to such beneÑcial
ownership interests.
General
Notes which are oÅered and sold outside the United States (the ""international notes'') will be
represented by beneÑcial interests in fully registered permanent global notes (the ""international global
notes'') without interest coupons attached, which will be registered in the name of Citivic Nominees
Limited, as nominee for, and shall be deposited on or about October 31, 2005 with Citibank, N.A. London
oÇce, as common depositary for, and in respect of interests held through, Euroclear Bank S.A./N.V., as
operator of the Euroclear System, and Clearstream.
Notes which are oÅered and sold in the United States (the ""DTC notes'' and, together with the
international notes, the ""notes'') will be represented by beneÑcial interests in fully registered permanent
global notes (the ""DTC global notes'' and together with the international global notes, the ""global notes'')
without interest coupons attached, which will be deposited on or about October 31, 2005 with Citibank,
N.A. London oÇce, as custodian for, and registered in the name of Cede & Co., as nominee for, The
Depository Trust Company.
Together, the notes represented by the global notes will equal the aggregate principal amount of the
notes outstanding at any time. The amount of notes represented by each of the DTC global notes and the
international global notes is evidenced by the register maintained for that purpose by the registrar.
BeneÑcial interests in the global notes will be shown on, and transfers thereof will be eÅected only
through, records maintained by DTC, Euroclear and Clearstream and their participants. Except as
described herein, individual registered certiÑcates will not be issued in exchange for beneÑcial interests in
the global notes.
A holder of international notes will receive all payments under the international notes in Yen. A
holder of DTC notes will receive all payments under the DTC notes in U.S. dollars, unless such holder
makes an election as described in this prospectus supplement under ""Currency Conversions and Foreign
Exchange Risks AÅecting Yen Notes Ì Currency Conversions'' for payment in Yen.
Subject to applicable law and the terms of the indenture, Citigroup, the registrar and any paying
agent will treat the persons in whose names the global notes are registered, initially Cede & Co. and
Citivic Nominees Limited, as owners of such notes for the purpose of receiving payments of principal and
interest (and additional amounts, if any) on the notes and for all other purposes whatsoever. Therefore,
none of Citigroup, the registrar or any paying agent has any direct responsibility or liability for the
payment of principal of or interest on the notes to owners of beneÑcial interests in the global notes. All
payments made by Citigroup to the registered holders of the global notes shall discharge the liability of
Citigroup under the notes to the extent of the sums so paid.
The Depository Trust Company
DTC is acting as securities depositary for the DTC notes. The DTC notes will be issued as fully
registered notes registered in the name of Cede & Co. DTC is:
, a limited-purpose trust company organized under the New York Banking Law;
, a ""banking organization'' under the New York Banking Law;
, a member of the Federal Reserve System;
, a ""clearing corporation'' under the New York Uniform Commercial Code; and
, a ""clearing agency'' registered under the provisions of Section 17A of the United States Securities
Exchange Act of 1934, as amended.
DTC holds securities that its direct participants deposit with DTC. DTC also facilitates the settlement
among direct participants of securities transactions, such as transfers and pledges, in deposited securities
S-9

through electronic computerized book-entry changes in direct participants' accounts, thereby eliminating
the need for physical movement of securities certiÑcates.
Direct participants of DTC include securities brokers and dealers (including underwriters), banks,
trust companies, clearing corporations, and certain other organizations. DTC is owned by a number of its
direct participants and by the New York Stock Exchange, Inc., the American Stock Exchange, Inc., and
the National Association of Securities Dealers, Inc. Indirect participants of DTC, such as securities
brokers and dealers, banks and trust companies, can also access the DTC system if they maintain a
custodial relationship with a direct participant.
If you are not a direct participant or an indirect participant and you wish to purchase, sell or
otherwise transfer ownership of, or other interests in, notes, you must do so through a direct participant or
an indirect participant. DTC agrees with and represents to DTC participants that it will administer its
book-entry system in accordance with its rules and by-laws and requirements of law. The United States
Securities and Exchange Commission has on Ñle a set of the rules applicable to DTC and its direct
participants.
Purchases of notes under DTC's system must be made by or through direct participants, which will
receive a credit for the notes on DTC's records. The ownership interest of each beneÑcial owner is in turn
to be recorded on the records of direct participants and indirect participants. BeneÑcial owners will not
receive written conÑrmation from DTC of their purchase, but beneÑcial owners are expected to receive
written conÑrmations providing details of the transaction, as well as periodic statements of their holdings,
from the direct participants or indirect participants through which such beneÑcial owners entered into the
transaction. Transfers of ownership interests in the notes are to be accomplished by entries made on the
books of participants acting on behalf of beneÑcial owners. BeneÑcial owners will not receive certiÑcates
representing their ownership interests in notes, except in limited circumstances.
The DTC notes deposited with DTC are registered in the name of DTC's nominee, Cede & Co. The
deposit of notes with DTC and their registration in the name of Cede & Co. eÅect no change in beneÑcial
ownership. DTC has no knowledge of the actual beneÑcial owners of the notes. DTC's records reÖect only
the identity of the direct participants to whose accounts such notes are credited, which may or may not be
the beneÑcial owners. The participants will remain responsible for keeping account of their holdings on
behalf of their customers.
Conveyance of notices and other communications by DTC to direct participants, by direct participants
to indirect participants and by direct participants and indirect participants to beneÑcial owners will be
governed by arrangements among them, subject to any statutory or regulatory requirements as may be in
eÅect from time to time.
Clearstream
Clearstream International was incorporated as a limited liability company under Luxembourg law.
Clearstream holds securities for its customers and facilitates the clearance and settlement of securities
transactions between Clearstream customers through electronic book-entry changes in accounts of
Clearstream customers, thus eliminating the need for physical movement of certiÑcates. Clearstream
provides to its customers, among other things, services for safekeeping, administration, clearance and
settlement of internationally traded securities and securities lending and borrowing. Clearstream interfaces
with domestic markets in a number of countries. Clearstream has established an electronic bridge with
Euroclear Bank S.A./N.V., the operator of the Euroclear System, to facilitate settlement of trades between
Clearstream and Euroclear.
As a registered bank in Luxembourg, Clearstream is subject to regulation by the Luxembourg
Commission for the Supervision of the Financial Sector. Clearstream customers are recognized Ñnancial
institutions around the world, including underwriters, securities brokers and dealers, banks, trust companies
and clearing corporations. In the United States, Clearstream customers are limited to securities brokers
and dealers and banks. Clearstream customers may include the underwriters. Other institutions that
S-10