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GOODWILL AND INTANGIBLE ASSETS (Tables)
 6 Months Ended
Jun. 30, 2024
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, 2023$2,214 $5,870 $1,039 $5,398 $4,469 $1,108 $20,098 
Foreign currency translation(27)(82)2 23 — 28 (56)
Balance at March 31, 2024$2,187 $5,788 $1,041 $5,421 $4,469 $1,136 $20,042 
Foreign currency translation(57)(62)(18)(92)(1)(108)(338)
Balance at June 30, 2024$2,130 $5,726 $1,023 $5,329 $4,468 $1,028 $19,704 

(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 to the Consolidated Financial Statements in Citi’s 2023 Form 10-K.
Components of intangible assets, finite-lived
The components of intangible assets were as follows:

 June 30, 2024December 31, 2023
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 $4,436 $866 $5,302 $4,365 $937 
Credit card contract-related intangibles(2)
4,177 1,806 2,371 4,177 1,698 2,479 
Other customer relationships325 269 56 363 290 73 
Present value of future profits35 34 1 37 36 1 
Indefinite-lived intangible assets223 — 223 240 — 240 
Intangible assets (excluding MSRs)$10,062 $6,545 $3,517 $10,119 $6,389 $3,730 
Mortgage servicing rights (MSRs)(3)
709 — 709 691 — 691 
Total intangible assets$10,771 $6,545 $4,226 $10,810 $6,389 $4,421 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2023
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at June 30, 2024
Purchased credit card relationships(1)
$937 $— $(71)$— $— $866 
Credit card contract-related intangibles(2)
2,479 — (109)— 1 2,371 
Other customer relationships73 — (11)— (6)56 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets240 — — — (17)223 
Intangible assets (excluding MSRs)$3,730 $— $(191)$— $(22)$3,517 
Mortgage servicing rights (MSRs)(3)
691 709 
Total intangible assets$4,421 $4,226 
(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with Citi’s credit card program agreements with partners.
(3)See Note 21.
Components of intangible assets, indefinite-lived
The components of intangible assets were as follows:

 June 30, 2024December 31, 2023
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 $4,436 $866 $5,302 $4,365 $937 
Credit card contract-related intangibles(2)
4,177 1,806 2,371 4,177 1,698 2,479 
Other customer relationships325 269 56 363 290 73 
Present value of future profits35 34 1 37 36 1 
Indefinite-lived intangible assets223 — 223 240 — 240 
Intangible assets (excluding MSRs)$10,062 $6,545 $3,517 $10,119 $6,389 $3,730 
Mortgage servicing rights (MSRs)(3)
709 — 709 691 — 691 
Total intangible assets$10,771 $6,545 $4,226 $10,810 $6,389 $4,421 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2023
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at June 30, 2024
Purchased credit card relationships(1)
$937 $— $(71)$— $— $866 
Credit card contract-related intangibles(2)
2,479 — (109)— 1 2,371 
Other customer relationships73 — (11)— (6)56 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets240 — — — (17)223 
Intangible assets (excluding MSRs)$3,730 $— $(191)$— $(22)$3,517 
Mortgage servicing rights (MSRs)(3)
691 709 
Total intangible assets$4,421 $4,226 
(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with Citi’s credit card program agreements with partners.
(3)See Note 21.
Changes in intangible assets
The components of intangible assets were as follows:

 June 30, 2024December 31, 2023
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 $4,436 $866 $5,302 $4,365 $937 
Credit card contract-related intangibles(2)
4,177 1,806 2,371 4,177 1,698 2,479 
Other customer relationships325 269 56 363 290 73 
Present value of future profits35 34 1 37 36 1 
Indefinite-lived intangible assets223 — 223 240 — 240 
Intangible assets (excluding MSRs)$10,062 $6,545 $3,517 $10,119 $6,389 $3,730 
Mortgage servicing rights (MSRs)(3)
709 — 709 691 — 691 
Total intangible assets$10,771 $6,545 $4,226 $10,810 $6,389 $4,421 

The changes in intangible assets were as follows:

In millions of dollars
Net carrying amount at December 31, 2023
Acquisitions/renewals/
divestitures 		AmortizationImpairmentsFX translation and other
Net carrying amount at June 30, 2024
Purchased credit card relationships(1)
$937 $— $(71)$— $— $866 
Credit card contract-related intangibles(2)
2,479 — (109)— 1 2,371 
Other customer relationships73 — (11)— (6)56 
Present value of future profits1 — — — — 1 
Indefinite-lived intangible assets240 — — — (17)223 
Intangible assets (excluding MSRs)$3,730 $— $(191)$— $(22)$3,517 
Mortgage servicing rights (MSRs)(3)
691 709 
Total intangible assets$4,421 $4,226 
(1)Reflects intangibles for the value of purchased cardholder relationships, which are discrete from contract-related intangibles.
(2)Reflects contract-related intangibles associated with Citi’s credit card program agreements with partners.
(3)See Note 21.