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

In millions of dollarsServices
Markets(1)
Banking(1)
USPBWealthAll OtherTotal
Balance at December 31, 2020$2,166 $6,238 $1,077 $5,387 $4,635 $2,659 $22,162 
Foreign currency translation(61)(160)(45)(164)(132)179 (383)
Divestitures(2)
— — — — (9)(471)(480)
Balance at December 31, 2021$2,105 $6,078 $1,032 $5,223 $4,494 $2,367 $21,299 
Foreign currency translation62 (293)2 50 (26)5 (200)
Divestitures(2)
— — — — — (873)(873)
Impairment of goodwill(3)
— — — — — (535)(535)
Balance at December 31, 2022$2,167 $5,785 $1,034 $5,273 $4,468 $964 $19,691 
Foreign currency translation47 85 5 125 1 144 407 
Balance at December 31, 2023$2,214 $5,870 $1,039 $5,398 $4,469 $1,108 $20,098 

(1)    In 2023, goodwill of approximately $537 million was transferred from Banking to Markets related to business realignment. Prior-period amounts have been
revised to conform with the current presentation. See Note 3.
(2)    Represents goodwill allocated to the Asia Consumer banking exit markets upon the signing of the respective sales agreements: in 2021, related to the Australia and Philippines consumer banking businesses, which were reclassified as HFS during 2021; in 2022, related to the India, Taiwan, Thailand, Malaysia, Indonesia, Bahrain and Vietnam consumer banking businesses, which were reclassified as HFS during 2022. See Note 2.
(3)    Goodwill impairment of $535 million (approximately $489 million after-tax) was incurred in the Asia Consumer reporting unit of Legacy Franchises in the first quarter of 2022, due to the resegmentation and change of reporting units as well as the sequence of the signing of sale agreements.
Components of intangible assets, finite-lived
The components of intangible assets were as follows:

 December 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 $4,365 $937 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,177 1,698 2,479 3,903 1,518 2,385 
Other customer relationships363 290 73 373 283 90 
Present value of future profits37 36 1 32 31 1 
Indefinite-lived intangible assets240 — 240 192 — 192 
Other— — — 65 57 8 
Intangible assets (excluding MSRs)$10,119 $6,389 $3,730 $10,078 $6,315 $3,763 
Mortgage servicing rights (MSRs)(3)
691 — 691 665 — 665 
Total intangible assets$10,810 $6,389 $4,421 $10,743 $6,315 $4,428 

(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 23.
Components of intangible assets, indefinite-lived
The components of intangible assets were as follows:

 December 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 $4,365 $937 $5,513 $4,426 $1,087 
Credit card contract-related intangibles(2)
4,177 1,698 2,479 3,903 1,518 2,385 
Other customer relationships363 290 73 373 283 90 
Present value of future profits37 36 1 32 31 1 
Indefinite-lived intangible assets240 — 240 192 — 192 
Other— — — 65 57 8 
Intangible assets (excluding MSRs)$10,119 $6,389 $3,730 $10,078 $6,315 $3,763 
Mortgage servicing rights (MSRs)(3)
691 — 691 665 — 665 
Total intangible assets$10,810 $6,389 $4,421 $10,743 $6,315 $4,428 

(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 23.
Changes in intangible assets
The changes in intangible assets were as follows:
Net carrying
amount at		Acquisitions/renewals/divestituresNet carrying
amount at
In millions of dollarsDecember 31, 2022AmortizationImpairmentsFX translation and otherDecember 31,
2023
Purchased credit card relationships(1)
$1,087 $— $(150)$— $— $937 
Credit card contract-related intangibles(2)
2,385 290 (188)— (8)2,479 
Other customer relationships90 11 (24)— (4)73 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets192 20 — — 28 240 
Other8 — (8)— — — 
Intangible assets (excluding MSRs)$3,763 $321 $(370)$— $16 $3,730 
Mortgage servicing rights (MSRs)(3)
665 691 
Total intangible assets$4,428 $4,421 

(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 23.