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GOODWILL AND INTANGIBLE ASSETS (Tables)
 3 Months Ended
Mar. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of goodwill
The changes in Goodwill were as follows:

In millions of dollarsInstitutional Clients GroupPersonal Banking and Wealth ManagementLegacy FranchisesTotal
Balance at December 31, 2022$8,986 $9,741 $964 $19,691 
Foreign currency translation42 69 80 191 
Balance at March 31, 2023$9,028 $9,810 $1,044 $19,882 
Components of intangible assets, finite-lived
The components of intangible assets were as follows:

 March 31, 2023December 31, 2022
In millions of dollarsGross
carrying
amount		Accumulated
amortization		Net
carrying
amount		Gross
carrying
amount		Accumulated
amortization		Net
carrying
amount
Purchased credit card relationships(1)
$5,302 $4,253 $1,049 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,193 1,565 2,628 3,903 1,518 2,385 
Other customer relationships376 287 89 373 283 90 
Present value of future profits35 34 1 32 31 1 
Indefinite-lived intangible assets207 — 207 192 — 192 
Other— — — 28 20 8 
Intangible assets (excluding MSRs)$10,113 $6,139 $3,974 $10,041 $6,278 $3,763 
Mortgage servicing rights (MSRs)(3)
658 — 658 665 — 665 
Total intangible assets$10,771 $6,139 $4,632 $10,706 $6,278 $4,428 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2022
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at March 31, 2023
Purchased credit card relationships(1)
$1,087 $— $(38)$— $— $1,049 
Credit card contract-related intangibles(2)
2,385 290 (47)— — 2,628 
Other customer relationships90 5 (6)— — 89 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 — — — 15 207 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $295 $(99)$— $15 $3,974 
Mortgage servicing rights (MSRs)(3)
665 658 
Total intangible assets$4,428 $4,632 

(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with the extension or renewal of existing credit card program agreements with card partners. For the credit card program agreement extended during the period, the remaining term is over 10 years.
(3)See Note 19 for additional information on Citi’s MSRs, including the rollforward for the three months ended March 31, 2023.
Components of intangible assets, indefinite-lived
The components of intangible assets were as follows:

 March 31, 2023December 31, 2022
In millions of dollarsGross
carrying
amount		Accumulated
amortization		Net
carrying
amount		Gross
carrying
amount		Accumulated
amortization		Net
carrying
amount
Purchased credit card relationships(1)
$5,302 $4,253 $1,049 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,193 1,565 2,628 3,903 1,518 2,385 
Other customer relationships376 287 89 373 283 90 
Present value of future profits35 34 1 32 31 1 
Indefinite-lived intangible assets207 — 207 192 — 192 
Other— — — 28 20 8 
Intangible assets (excluding MSRs)$10,113 $6,139 $3,974 $10,041 $6,278 $3,763 
Mortgage servicing rights (MSRs)(3)
658 — 658 665 — 665 
Total intangible assets$10,771 $6,139 $4,632 $10,706 $6,278 $4,428 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2022
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at March 31, 2023
Purchased credit card relationships(1)
$1,087 $— $(38)$— $— $1,049 
Credit card contract-related intangibles(2)
2,385 290 (47)— — 2,628 
Other customer relationships90 5 (6)— — 89 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 — — — 15 207 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $295 $(99)$— $15 $3,974 
Mortgage servicing rights (MSRs)(3)
665 658 
Total intangible assets$4,428 $4,632 

(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with the extension or renewal of existing credit card program agreements with card partners. For the credit card program agreement extended during the period, the remaining term is over 10 years.
(3)See Note 19 for additional information on Citi’s MSRs, including the rollforward for the three months ended March 31, 2023.
Changes in intangible assets
The components of intangible assets were as follows:

 March 31, 2023December 31, 2022
In millions of dollarsGross
carrying
amount		Accumulated
amortization		Net
carrying
amount		Gross
carrying
amount		Accumulated
amortization		Net
carrying
amount
Purchased credit card relationships(1)
$5,302 $4,253 $1,049 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,193 1,565 2,628 3,903 1,518 2,385 
Other customer relationships376 287 89 373 283 90 
Present value of future profits35 34 1 32 31 1 
Indefinite-lived intangible assets207 — 207 192 — 192 
Other— — — 28 20 8 
Intangible assets (excluding MSRs)$10,113 $6,139 $3,974 $10,041 $6,278 $3,763 
Mortgage servicing rights (MSRs)(3)
658 — 658 665 — 665 
Total intangible assets$10,771 $6,139 $4,632 $10,706 $6,278 $4,428 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2022
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at March 31, 2023
Purchased credit card relationships(1)
$1,087 $— $(38)$— $— $1,049 
Credit card contract-related intangibles(2)
2,385 290 (47)— — 2,628 
Other customer relationships90 5 (6)— — 89 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 — — — 15 207 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $295 $(99)$— $15 $3,974 
Mortgage servicing rights (MSRs)(3)
665 658 
Total intangible assets$4,428 $4,632 

(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with the extension or renewal of existing credit card program agreements with card partners. For the credit card program agreement extended during the period, the remaining term is over 10 years.
(3)See Note 19 for additional information on Citi’s MSRs, including the rollforward for the three months ended March 31, 2023.