Exhibit 23.01

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Citigroup Inc:


We consent to the incorporation by reference in Amendment No. 1 to 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
January 28, 2003