Exhibit 23.03

                         CONSENT OF INDEPENDENT AUDITORS



TO THE PLANS ADMINISTRATION COMMITTEE OF CITIGROUP INC.:

We consent to the incorporation by reference in the Registration Statement No.
333-91308 on Form S-8 of Citigroup Inc. of our report dated June 27, 2002
relating to the statement of net assets available for plan benefits of the
Citibuilder 401(k) Plan for Puerto Rico as of December 31, 2001, and the related
statement of changes in net assets available for plan benefits for the year
then ended, and the related supplemental Schedule H, Line 4i - Schedule of
Assets (Held at End of Year) as of December 31, 2001, which report appears in
the December 31, 2001 annual report on Form 10-K/A-1 as an amendment to the 2001
Annual Report on Form 10-K of Citigroup Inc.


/s/ KPMG LLP

June 27, 2002