Exhibit 23.03


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

The Board of Directors
Citigroup Inc.:

We consent to the incorporation by reference in Amendment No. 2 to the 
Registration Statement 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 of our report dated October 8, 1998, with respect to 
the supplemental consolidated statement of financial position of Citigroup 
Inc. and subsidiaries ("Citigroup") as of December 31, 1997 and 1996, and the 
related supplemental 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 supplemental financial 
statement schedule, which report appears in the Current Report on Form 8-K 
dated October 26, 1998 of Citigroup and to the reference to our firm under 
the heading "Experts" in the Registration Statement.

/s/ KPMG LLP
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New York, New York
February 9, 1999