EXHIBIT 23.01




           CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



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
February 26, 2004, except as to Note 4, which is as of May 14, 2004, with
respect to the consolidated balance sheet of Citigroup Inc. and subsidiaries
("Citigroup") as of December 31, 2003 and 2002, 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, 2003, which report is
included in the Current Report on Form 8-K of Citigroup filed on May 14, 2004.
Our report refers to changes, in 2003, in Citigroup's methods of accounting for
variable interest entities and stock-based compensation, in 2002, in Citigroup's
methods of accounting for goodwill and intangible assets and accounting for the
impairment or disposal of long-lived assets, and, in 2001, in Citigroup's
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.

/s/ KPMG LLP

New York, New York
July 22, 2004