Exhibit 23.01

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Citigroup Inc:

We consent to the incorporation by reference in the Registration Statement on
Form S-3 ("Registration Statement") of Citigroup Inc. of our report dated
January 17, 2002, except as to notes 1, 3, 4, 15, and 21, which are as of
November 20, 2002, with respect to the consolidated statement of financial
position of Citigroup Inc. and subsidiaries ("Citigroup") as of December 31,
2001 and 2000, and the related consolidated statements of income, changes in
stockholders' equity and cash flows for each of the years in the three-year
period ended December 31, 2001, which report is included in the Current Report
on Form 8-K of Citigroup filed November 20, 2002. As discussed in Note 1 to the
consolidated financial statements, in 2001 Citigroup changed its methods of
accounting for derivative instruments and hedging activities, accounting for
interest income and impairment on purchased and retained beneficial interests
in securitized financial assets, and accounting for goodwill and intangible
assets resulting from business combinations consummated after June 30, 2001.
Also, as discussed in Note 1 to the consolidated financial statements, in 1999
Citigroup changed its methods of accounting for insurance-related assessments,
accounting for insurance and reinsurance contracts that do not transfer
insurance risk, and accounting for the costs of start-up activities.


/s/ KPMG LLP
New York, New York
December 23, 2002