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GOODWILL AND INTANGIBLE ASSETS (Tables)

9 Months Ended

Sep. 30, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

The changes in Goodwill were as follows:


In millions of dollars	Services		Markets		Banking		USPB		Wealth		All Other		Total
Balance at December 31, 2024	$	2,052	$	5,674	$	1,002	$	5,219	$	4,451	$	902	$	19,300
Foreign currency translation	11		75		3		16		—		17		122


Balance at March 31, 2025	$	2,063	$	5,749	$	1,005	$	5,235	$	4,451	$	919	$	19,422
Foreign currency translation	109		171		20		71		2		83		456


Balance at June 30, 2025	$	2,172	$	5,920	$	1,025	$	5,306	$	4,453	$	1,002	$	19,878
Foreign currency translation	(19)		(49)		1		21		—		20		(26)

Impairment of goodwill(1)	—		—		—		—		—		(726)		(726)

Balance at September 30, 2025	$	2,153	$	5,871	$	1,026	$	5,327	$	4,453	$	296	$	19,126

(1)In connection with the agreed-upon bid received for Banamex, a goodwill impairment of $726 million ($714 million after-tax) was incurred in the Mexico Consumer/SBMM reporting unit of All Other—Legacy Franchises during the third quarter.

Components of intangible assets, finite-lived

The components of intangible assets were as follows:


	September 30, 2025						December 31, 2024
In millions of dollars	Gross carrying amount		Accumulated amortization		Net carrying amount		Gross carrying amount		Accumulated amortization		Net carrying amount
Purchased credit card relationships(1)	$	5,315	$	4,606	$	709	$	5,315	$	4,507	$	808
Credit card contract-related intangibles(2)	4,578		1,964		2,614		4,586		1,905		2,681
Other customer relationships	334		299		35		325		278		47
Present value of future profits	35		34		1		31		30		1
Indefinite-lived intangible assets	223		—		223		197		—		197

Intangible assets (excluding MSRs)	$	10,485	$	6,903	$	3,582	$	10,454	$	6,720	$	3,734
Mortgage servicing rights (MSRs)(3)	748		—		748		760		—		760
Total intangible assets	$	11,233	$	6,903	$	4,330	$	11,214	$	6,720	$	4,494

The changes in intangible assets were as follows:


In millions of dollars	Net carrying amount at December 31, 2024		Acquisitions/renewals/ divestitures		Amortization		Impairments		FX translation and other		Net carrying amount at September 30, 2025
Purchased credit card relationships(1)	$	808	$	—	$	(99)	$	—	$	—	$	709
Credit card contract-related intangibles(2)	2,681		—		(69)		—		2		2,614
Other customer relationships	47		—		(15)		—		3		35
Present value of future profits	1		—		—		—		—		1
Indefinite-lived intangible assets	197		—		—		—		26		223

Intangible assets (excluding MSRs)	$	3,734	$	—	$	(183)	$	—	$	31	$	3,582
Mortgage servicing rights (MSRs)(3)	760										748
Total intangible assets	$	4,494									$	4,330

(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:


	September 30, 2025						December 31, 2024
In millions of dollars	Gross carrying amount		Accumulated amortization		Net carrying amount		Gross carrying amount		Accumulated amortization		Net carrying amount
Purchased credit card relationships(1)	$	5,315	$	4,606	$	709	$	5,315	$	4,507	$	808
Credit card contract-related intangibles(2)	4,578		1,964		2,614		4,586		1,905		2,681
Other customer relationships	334		299		35		325		278		47
Present value of future profits	35		34		1		31		30		1
Indefinite-lived intangible assets	223		—		223		197		—		197

Intangible assets (excluding MSRs)	$	10,485	$	6,903	$	3,582	$	10,454	$	6,720	$	3,734
Mortgage servicing rights (MSRs)(3)	748		—		748		760		—		760
Total intangible assets	$	11,233	$	6,903	$	4,330	$	11,214	$	6,720	$	4,494

The changes in intangible assets were as follows:


In millions of dollars	Net carrying amount at December 31, 2024		Acquisitions/renewals/ divestitures		Amortization		Impairments		FX translation and other		Net carrying amount at September 30, 2025
Purchased credit card relationships(1)	$	808	$	—	$	(99)	$	—	$	—	$	709
Credit card contract-related intangibles(2)	2,681		—		(69)		—		2		2,614
Other customer relationships	47		—		(15)		—		3		35
Present value of future profits	1		—		—		—		—		1
Indefinite-lived intangible assets	197		—		—		—		26		223

Intangible assets (excluding MSRs)	$	3,734	$	—	$	(183)	$	—	$	31	$	3,582
Mortgage servicing rights (MSRs)(3)	760										748
Total intangible assets	$	4,494									$	4,330

(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:


	September 30, 2025						December 31, 2024
In millions of dollars	Gross carrying amount		Accumulated amortization		Net carrying amount		Gross carrying amount		Accumulated amortization		Net carrying amount
Purchased credit card relationships(1)	$	5,315	$	4,606	$	709	$	5,315	$	4,507	$	808
Credit card contract-related intangibles(2)	4,578		1,964		2,614		4,586		1,905		2,681
Other customer relationships	334		299		35		325		278		47
Present value of future profits	35		34		1		31		30		1
Indefinite-lived intangible assets	223		—		223		197		—		197

Intangible assets (excluding MSRs)	$	10,485	$	6,903	$	3,582	$	10,454	$	6,720	$	3,734
Mortgage servicing rights (MSRs)(3)	748		—		748		760		—		760
Total intangible assets	$	11,233	$	6,903	$	4,330	$	11,214	$	6,720	$	4,494

The changes in intangible assets were as follows:


In millions of dollars	Net carrying amount at December 31, 2024		Acquisitions/renewals/ divestitures		Amortization		Impairments		FX translation and other		Net carrying amount at September 30, 2025
Purchased credit card relationships(1)	$	808	$	—	$	(99)	$	—	$	—	$	709
Credit card contract-related intangibles(2)	2,681		—		(69)		—		2		2,614
Other customer relationships	47		—		(15)		—		3		35
Present value of future profits	1		—		—		—		—		1
Indefinite-lived intangible assets	197		—		—		—		26		223

Intangible assets (excluding MSRs)	$	3,734	$	—	$	(183)	$	—	$	31	$	3,582
Mortgage servicing rights (MSRs)(3)	760										748
Total intangible assets	$	4,494									$	4,330

(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.

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

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+ Details