Exhibit 23.02


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

The Board of Directors
Citicorp:

We consent to the incorporation by reference of our report dated January 20, 
1998 relating to the consolidated balance sheets of Citicorp and subsidiaries 
as of Decem ber 31, 1997 and 1996, 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, 1997, and the related 
consolidated balance sheets of Citibank, N.A. and subsidiaries as of December 
31, 1997 and 1996, in the Registration Statement dated December 15, 1998 on 
Form S-3 ("Registration Statement") of Citigroup Inc. (formed as a result of 
the merger between Travelers Group Inc. and Citicorp which has been accounted 
for as a pooling of interests), Citigroup Capital VI, Citigroup Capital VII, 
Citigroup Capital VIII, Citigroup Capital IX, Citigroup Capital X, Citigroup 
Capital XI, Citigroup Capital XII, and Citigroup Capital XIII, and to the 
reference to our firm under the heading "Experts" in the Registration 
Statement. Our report with respect to these consolidated financial statements 
is included in the 1997 Citicorp Annual Report and Form 10-K.


/s/ KPMG Peat Marwick LLP
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New York, New York
December 15, 1998