Exhibit 23.01


            CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Citigroup Inc.:



We consent to the incorporation by reference in the Amendment No. 1 to
Registration Statement on Form S-3 ("Registration Statement") of Citigroup
Inc. of our report dated January 18, 2000, with respect to the consolidated
statement of financial position of Citigroup Inc. and subsidiaries
("Citigroup") as of December 31, 1999 and 1998, 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,
1999, which report is included in the annual report on Form 10-K, as
amended, of Citigroup Inc. for the year ended December 31, 1999 and to the
reference to our firm under the heading "Experts" in the Registration
Statement. Our report refers to changes, in 1999, in Citigroup's 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 30, 2001