Citigroup Named World's Best Internet Bank by Global Finance

Citigroup Turkey receives the highest rank from GSCS Benchmarks magazine in its recent 2004 Review of Subcustodian Services

November 22, 2004, New York — Citigroup Global Transaction Services announced today that Global Finance magazine has named Citigroup the overall winner of its annual “World’s Best Internet Bank” competition. Citigroup, based on its global CitiDirect® Online Banking service, also topped the list of regional and category award winners in this year’s competition.

At a recent awards dinner, Citigroup was also named the World’s Best Overall Corporate/ Institutional Internet Bank, the Best Corporate/Institutional Internet Bank in North America, Central/Eastern Europe and, with its Banamex group, the Best Corporate/Institutional Internet Bank in Latin America. Additionally, Citigroup took top honors in the Corporate/Institutional category for World’s Best Integrated Site, a reflection of its strategy to provide clients with a single point of access for cash management, treasury and trade services anywhere they do business around the world.

“We are proud to offer client access to the latest advances in Internet-based technologies,” said Frank Bisignano, Chief Executive Officer, Citigroup Global Transaction Services, in accepting the awards. “As Internet banking has matured to become a normal part of doing business for corporate clients, our challenge has been to differentiate ourselves in the marketplace. The people behind our technology, product offerings and client service truly set CitiDirect Online Banking apart from our competitors and have made it a tremendous success.”

In winning a total of 45 consumer and corporate Internet awards, Citigroup topped the list of 77 banks from around the world that entered this year’s competition. Winners were selected on the basis of the strength of their strategy for attracting and servicing online clients, success in getting clients to use Web offerings, growth of online client base, breadth of product offerings, evidence of tangible benefits gained from Internet initiatives and Web site design and functionality. A full report on the awards will appear in the December issue of Global Finance.

CitiDirect Online Banking was launched in 2001 and is available in 90 countries and 22 languages. It has won numerous awards for excellence among cash management Web sites including Greenwich Associates Benchmarking Survey of Cash Management Internet Applications. CitiDirect Online Banking increases efficiency and improves the ability of corporate treasurers to make cash management, trade and liquidity decisions. To view an online demo and take a guided tour of CitiDirect Online Banking's capabilities, visit www.citidirect.com.

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About Citigroup
Citigroup (NYSE: C), the preeminent global financial services company with some 200 million customer accounts in more than 100 countries, provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, insurance, securities brokerage, and asset management. Major brand names under Citigroup's trademark red umbrella include Citibank, CitiFinancial, Primerica, Smith Barney, Banamex, and Travelers Life and Annuity. Additional information may be found at www.citigroup.com.

About Citigroup Global Transaction Services
Citigroup® Global Transaction Services is a leading provider of integrated cash management, trade finance, funds and securities services for corporations, financial institutions, intermediaries and governments around the world. With over $ 121 billion in average liability balances, more than $ 7.3 trillion in assets under custody and the largest proprietary branch network, Citigroup’s award-winning operating systems and Internet-based delivery channels enable clients to manage and monitor working capital and investments more efficiently, streamline transaction processing cycles, and re-engineer receivables and payment processes. Citigroup® Global Transaction Services provides clients with access to Citigroup’s full range of capabilities and solutions along with an on-the-ground presence and in-depth knowledge of more than 90 local markets. For additional information, see www.transactionservices.citigroup.com