
In millions of dollars	Services		Markets		Banking		USCC(1)		Wealth(1)		All Other		Total
Balance at December 31, 2025	$	2,141	$	5,833	$	1,028	$	4,733	$	5,062	$	301	$	19,098
Foreign currency translation	(31)		(75)		—		—		4		1		(101)


Balance at March 31, 2026	$	2,110	$	5,758	$	1,028	$	4,733	$	5,066	$	302	$	18,997
Foreign currency translation	1		(19)		4		—		22		7		15







Balance at June 30, 2026	$	2,111	$	5,739	$	1,032	$	4,733	$	5,088	$	309	$	19,012

Citi tests for goodwill impairment annually as of October 1 (the annual test) and conducts interim assessments between the annual tests if an event occurs or circumstances change that would more-likely-than-not reduce the fair value of a reporting unit below its carrying amount.

As discussed in Note 3, effective January 1, 2026, Citi transferred its Retail Banking business from the former U.S. Personal Banking (USPB) to Wealth and integrated the remaining USPB businesses into a new U.S. Consumer Cards (USCC) segment. This business realignment was identified as a triggering event for purposes of goodwill impairment testing. In accordance with ASC 350, an interim goodwill impairment test was performed in the first quarter of 2026, which resulted in no impairment. Goodwill was reallocated from USCC to Wealth based on relative fair values as of the effective date of the business realignment.

Based on management’s qualitative assessment performed subsequent to the first-quarter interim impairment test, no other events or changes in circumstances were identified as of June 30, 2026, indicating that the fair value of any of Citi’s other reporting units was more-likely-than-not below its carrying amount, and no impairment was recognized.

Unanticipated declines in business performance, increases in credit losses, increases in capital requirements and adverse regulatory or legislative changes, and deterioration in

economic or market conditions, as well as circumstances related to Citi’s strategic refresh, are factors that could result in a material impairment loss to earnings in a future period

related to some portion of the associated goodwill.

For additional information regarding Citi’s goodwill impairment testing process, see Notes 1 (“Goodwill”) and 17 to the Consolidated Financial Statements in Citi’s 2025 Form 10-K.


	June 30, 2026						December 31, 2025
In millions of dollars	Gross carrying amount		Accumulated amortization		Net carrying amount		Gross carrying amount		Accumulated amortization		Net carrying amount
Purchased credit card relationships (PCCR)(1)	$	6,052	$	4,704	$	1,348	$	5,315	$	4,639	$	676
Credit card contract-related intangibles(2)	4,661		2,049		2,612		4,579		1,987		2,592
Other customer relationships	311		288		23		321		291		30
Present value of future profits	36		36		—		35		35		—
Indefinite-lived intangible assets	233		—		233		227		—		227

Intangible assets (excluding MSRs)	$	11,293	$	7,077	$	4,216	$	10,477	$	6,952	$	3,525
Mortgage servicing rights (MSRs)(3)	788		—		788		759		—		759
Total intangible assets	$	12,081	$	7,077	$	5,004	$	11,236	$	6,952	$	4,284


In millions of dollars	Net carrying amount at December 31, 2025		Acquisitions/renewals/ divestitures		Amortization		Impairments		FX translation and other		Net carrying amount at June 30, 2026
Purchased credit card relationships (PCCR)(1)	$	676	$	738	$	(66)	$	—	$	—	$	1,348
Credit card contract-related intangibles(2)	2,592		82		(62)		—		—		2,612
Other customer relationships	30		—		(7)		—		—		23
Present value of future profits	—		—		—		—		—		—
Indefinite-lived intangible assets	227		—		—		—		6		233

Intangible assets (excluding MSRs)	$	3,525	$	820	$	(135)	$	—	$	6	$	4,216
MSRs(3)	759										788
Total intangible assets	$	4,284									$	5,004