Exhibit 99.02

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Annual Report on Form 10-K of Citigroup Inc. (the
"Company") for the period ended December 31, 2002, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), Sanford I.
Weill, as Chief Executive Officer of the Company, and Todd S. Thomson, as
Chief Financial Officer of the Company, each hereby certifies, pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that:

        (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

        (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.



/s/ Sanford I. Weill
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Sanford I. Weill
Chief Executive Officer
March 3, 2003



/s/ Todd S. Thomson
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Todd S. Thomson
Chief Financial Officer
March 3, 2003



This certification accompanies each Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by
the Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes
of Section 18 of the Securities Exchange Act of 1934, as amended.