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EXHIBIT 23.2
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in the Registration Statement (Form
S-8 to be filed on or about November 30, 2000) of Citigroup Inc. of our report
dated May 23, 2000, with respect to the financial statements and supplemental
schedule of the Associates Savings and Profit Sharing Plan included in its
Annual Report on Form 11-K for the year ended December 31, 1999, filed with the
Securities and Exchange Commission.
/s/ Ernst & Young LLP
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Ernst & Young LLP
Dallas, Texas
November 30, 2000
