EXHIBIT 23(a)

                 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
and to the reference to our Firm under the heading "Experts" in the Registration
Statement. 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
February 15, 2005