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GOODWILL AND INTANGIBLE ASSETS (Tables)
 9 Months Ended
Sep. 30, 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 
Foreign currency translation13 48 55 116 
Balance at June 30, 2023$9,041 $9,858 $1,099 $19,998 
Foreign currency translation(132)(17)(20)(169)
Balance at September 30, 2023$8,909 $9,841 $1,079 $19,829 
Components of intangible assets, finite-lived
The components of intangible assets were as follows:

 September 30, 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 $4,328 $974 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,178 1,652 2,526 3,903 1,518 2,385 
Other customer relationships346 270 76 373 283 90 
Present value of future profits36 35 1 32 31 1 
Indefinite-lived intangible assets234 — 234 192 — 192 
Other— — — 65 57 8 
Intangible assets (excluding MSRs)$10,096 $6,285 $3,811 $10,078 $6,315 $3,763 
Mortgage servicing rights (MSRs)(3)
729 — 729 665 — 665 
Total intangible assets$10,825 $6,285 $4,540 $10,743 $6,315 $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 September 30, 2023
Purchased credit card relationships(1)
$1,087 $— $(113)$— $— $974 
Credit card contract-related intangibles(2)
2,385 290 (141)— (8)2,526 
Other customer relationships90 11 (18)— (7)76 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 20 — — 22 234 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $321 $(280)$— $7 $3,811 
Mortgage servicing rights (MSRs)(3)
665 729 
Total intangible assets$4,428 $4,540 

(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 2023, the remaining term is over 10 years.
(3)See Note 20 for additional information on Citi’s MSRs, including the rollforward for the three months ended September 30, 2023.
Components of intangible assets, indefinite-lived
The components of intangible assets were as follows:

 September 30, 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 $4,328 $974 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,178 1,652 2,526 3,903 1,518 2,385 
Other customer relationships346 270 76 373 283 90 
Present value of future profits36 35 1 32 31 1 
Indefinite-lived intangible assets234 — 234 192 — 192 
Other— — — 65 57 8 
Intangible assets (excluding MSRs)$10,096 $6,285 $3,811 $10,078 $6,315 $3,763 
Mortgage servicing rights (MSRs)(3)
729 — 729 665 — 665 
Total intangible assets$10,825 $6,285 $4,540 $10,743 $6,315 $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 September 30, 2023
Purchased credit card relationships(1)
$1,087 $— $(113)$— $— $974 
Credit card contract-related intangibles(2)
2,385 290 (141)— (8)2,526 
Other customer relationships90 11 (18)— (7)76 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 20 — — 22 234 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $321 $(280)$— $7 $3,811 
Mortgage servicing rights (MSRs)(3)
665 729 
Total intangible assets$4,428 $4,540 

(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 2023, the remaining term is over 10 years.
(3)See Note 20 for additional information on Citi’s MSRs, including the rollforward for the three months ended September 30, 2023.
Changes in intangible assets
The components of intangible assets were as follows:

 September 30, 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 $4,328 $974 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,178 1,652 2,526 3,903 1,518 2,385 
Other customer relationships346 270 76 373 283 90 
Present value of future profits36 35 1 32 31 1 
Indefinite-lived intangible assets234 — 234 192 — 192 
Other— — — 65 57 8 
Intangible assets (excluding MSRs)$10,096 $6,285 $3,811 $10,078 $6,315 $3,763 
Mortgage servicing rights (MSRs)(3)
729 — 729 665 — 665 
Total intangible assets$10,825 $6,285 $4,540 $10,743 $6,315 $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 September 30, 2023
Purchased credit card relationships(1)
$1,087 $— $(113)$— $— $974 
Credit card contract-related intangibles(2)
2,385 290 (141)— (8)2,526 
Other customer relationships90 11 (18)— (7)76 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 20 — — 22 234 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $321 $(280)$— $7 $3,811 
Mortgage servicing rights (MSRs)(3)
665 729 
Total intangible assets$4,428 $4,540 

(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 2023, the remaining term is over 10 years.
(3)See Note 20 for additional information on Citi’s MSRs, including the rollforward for the three months ended September 30, 2023.