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GOODWILL AND INTANGIBLE ASSETS (Tables) | 9 Months Ended
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Sep. 30, 2025
Goodwill and Intangible Assets Disclosure [Abstract] |
Schedule of goodwill | 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.

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