Additional Consumer and Corporate Credit Details Loans Outstanding
## Table 0 ##
(1) Loans secured primarily by real estate.
(2) Unearned income on consumer loans primarily represents unamortized origination fees, costs, premiums and discounts.
Prior to December 31, 2015, these items were more than offset by prepaid interest on loans outstanding issued by OneMain Financial.
The sale of OneMain Financial was completed on November 15, 2015.
(3) Unearned income on corporate loans primarily represents interest received in advance, but not yet earned on loans originated on a discount basis.
(4) All periods exclude loans that are carried at fair value.
PERFORMANCE GRAPH Comparison of Five-Year Cumulative Total Return The following graph and table compare the cumulative total return on Citi’s common stock, which is listed on the NYSE under the ticker symbol “C” and held by 65,691 common stockholders of record as of January 31, 2018, with the cumulative total return of the S&P 500 Index and the S&P Financial Index over the five-year period through December 31, 2017.
The graph and table assume that $100 was invested on December 31, 2012 in Citi’s common stock, the S&P 500 Index and the S&P Financial Index, and that all dividends were reinvested.
Comparison of Five-Year Cumulative Total Return For the years ended
## Table 1 ##
NVIDIA CORPORATION AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS (Continued) Goodwill is subject to our annual impairment test during the fourth quarter of our fiscal year, or earlier if indicators of potential impairment exist, using a fair value-based approach.
We completed our most recent annual impairment test during the fourth quarter of fiscal year 2012 and concluded that there was no impairment.
For the purposes of completing our most recent impairment test, we perform either a qualitative or a quantitative analysis on a reporting unit basis.
In a qualitative analysis, we evaluate factors including, but not limited to, macro economic conditions, market and industry conditions, competitive environment, operational stability and the overall financial performance of the reporting units including cost factors and budgeted-to-actual revenue results.
In a quantitative analysis, we use estimates of future revenues, costs and cash flows from such units.
This assessment is based upon a discounted cash flow analysis and analysis of our market capitalization.
The estimate of cash flow is based upon, among other things, certain assumptions about expected future operating performance such as revenue growth rates and operating margins used to calculate projected future cash flows, risk-adjusted discount rates, future economic and market conditions, and determination of appropriate market comparables.
The amount of goodwill allocated to our GPU business, PSB, and CPB segments as of January 29, 2012 was $133.1 million, $95.1 million and $412.8 million, respectively, and as of January 30, 2011 was $133.1 million, $95.1 million and $141.6 million, respectively.
Please refer to Note 18 of these Notes to the Consolidated Financial Statements for further discussion regarding segments.
Note 9 - Amortizable Intangible Assets The components of our amortizable intangible assets are as follows:
## Table 2 ##
Amortization expense associated with intangible assets for fiscal years 2012, 2011 and 2010 was $59.0 million, $30.0 million and $31.9 million, respectively.
Future amortization expense for the net carrying amount of intangible assets at January 29, 2012 is estimated to be $56.2 million in fiscal year 2013, $51.3 million in fiscal year 2014, $51.3 million in fiscal year 2015, $46.0 million in fiscal year 2016, $33.1 million in fiscal year 2017 and $88.2 million in fiscal years subsequent to fiscal year 2017 until fully amortized.
Note 10 - Marketable Securities All of the cash equivalents and marketable securities are classified as “available-for-sale” securities.
Investments in both fixed rate instruments and floating rate interest earning instruments carry a degree of interest rate risk.
Fixed rate debt securities may have their market value adversely impacted due to a rise in interest rates, while floating rate securities may produce less income than expected if interest rates fall.
Due in part to these factors, our future investment income may fall short of expectations due to changes in interest rates or if the decline in fair value of our publicly traded debt or equity investments is judged to be other-thantemporary.
We may suffer losses in principal if we are forced to sell securities that decline in market value due to changes in interest rates.
However, because any debt securities we hold are classified as “available-for-sale,” no gains or losses are realized in our statement of operations due to changes in interest rates unless such securities are sold prior to maturity or unless declines in market values are determined to be other-than-temporary.
These securities are reported at fair value with the related unrealized gains and losses included in accumulated other comprehensive income, a component of stockholders’ equity, net of tax.
The following is a summary of cash equivalents and marketable securities at January 29, 2012 and January 30, 2011:

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="5">December 31,</td></tr><tr><td>In millions of dollars</td><td>2017</td><td>2016</td><td>2015</td><td>2014</td><td>2013</td></tr><tr><td>Consumer loans</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>In U.S. offices</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Mortgage and real estate<sup>-1</sup></td><td>$65,467</td><td>$72,957</td><td>$80,281</td><td>$96,533</td><td>$108,453</td></tr><tr><td>Installment, revolving credit and other</td><td>3,398</td><td>3,395</td><td>3,480</td><td>14,450</td><td>13,398</td></tr><tr><td>Cards</td><td>139,006</td><td>132,654</td><td>112,800</td><td>112,982</td><td>115,651</td></tr><tr><td>Commercial and industrial</td><td>7,840</td><td>7,159</td><td>6,407</td><td>5,895</td><td>6,592</td></tr><tr><td>Total</td><td>$215,711</td><td>$216,165</td><td>$202,968</td><td>$229,860</td><td>$244,094</td></tr><tr><td>In offices outside the U.S.</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Mortgage and real estate<sup>-1</sup></td><td>$44,081</td><td>$42,803</td><td>$47,062</td><td>$54,462</td><td>$55,511</td></tr><tr><td>Installment, revolving credit and other</td><td>26,556</td><td>24,887</td><td>29,480</td><td>31,128</td><td>33,182</td></tr><tr><td>Cards</td><td>26,257</td><td>23,783</td><td>27,342</td><td>32,032</td><td>36,740</td></tr><tr><td>Commercial and industrial</td><td>20,238</td><td>16,568</td><td>17,410</td><td>18,294</td><td>20,623</td></tr><tr><td>Lease financing</td><td>76</td><td>81</td><td>362</td><td>546</td><td>710</td></tr><tr><td>Total</td><td>$117,208</td><td>$108,122</td><td>$121,656</td><td>$136,462</td><td>$146,766</td></tr><tr><td>Total consumer loans</td><td>$332,919</td><td>$324,287</td><td>$324,624</td><td>$366,322</td><td>$390,860</td></tr><tr><td>Unearned income<sup>-2</sup></td><td>737</td><td>776</td><td>830</td><td>-679</td><td>-567</td></tr><tr><td>Consumer loans, net of unearned income</td><td>$333,656</td><td>$325,063</td><td>$325,454</td><td>$365,643</td><td>$390,293</td></tr><tr><td>Corporate loans</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>In U.S. offices</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>$51,319</td><td>$49,586</td><td>$46,011</td><td>$39,542</td><td>$36,993</td></tr><tr><td>Financial institutions</td><td>39,128</td><td>35,517</td><td>36,425</td><td>36,324</td><td>25,130</td></tr><tr><td>Mortgage and real estate<sup>-1</sup></td><td>44,683</td><td>38,691</td><td>32,623</td><td>27,959</td><td>25,075</td></tr><tr><td>Installment, revolving credit and other</td><td>33,181</td><td>34,501</td><td>33,423</td><td>29,246</td><td>34,467</td></tr><tr><td>Lease financing</td><td>1,470</td><td>1,518</td><td>1,780</td><td>1,758</td><td>1,647</td></tr><tr><td>Total</td><td>$169,781</td><td>$159,813</td><td>$150,262</td><td>$134,829</td><td>$123,312</td></tr><tr><td>In offices outside the U.S.</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>$93,750</td><td>$81,882</td><td>$82,689</td><td>$83,506</td><td>$86,147</td></tr><tr><td>Financial institutions</td><td>35,273</td><td>26,886</td><td>28,704</td><td>33,269</td><td>38,372</td></tr><tr><td>Mortgage and real estate<sup>-1</sup></td><td>7,309</td><td>5,363</td><td>5,106</td><td>6,031</td><td>6,274</td></tr><tr><td>Installment, revolving credit and other</td><td>22,638</td><td>19,965</td><td>20,853</td><td>19,259</td><td>18,714</td></tr><tr><td>Lease financing</td><td>190</td><td>251</td><td>303</td><td>419</td><td>586</td></tr><tr><td>Governments and official institutions</td><td>5,200</td><td>5,850</td><td>4,911</td><td>2,236</td><td>2,341</td></tr><tr><td>Total</td><td>$164,360</td><td>$140,197</td><td>$142,566</td><td>$144,720</td><td>$152,434</td></tr><tr><td>Total corporate loans</td><td>$334,141</td><td>$300,010</td><td>$292,828</td><td>$279,549</td><td>$275,746</td></tr><tr><td>Unearned income<sup>-3</sup></td><td>-763</td><td>-704</td><td>-665</td><td>-557</td><td>-567</td></tr><tr><td>Corporate loans, net of unearned income</td><td>$333,378</td><td>$299,306</td><td>$292,163</td><td>$278,992</td><td>$275,179</td></tr><tr><td>Total loans—net of unearned income</td><td>$667,034</td><td>$624,369</td><td>$617,617</td><td>$644,635</td><td>$665,472</td></tr><tr><td>Allowance for loan losses—on drawn exposures</td><td>-12,355</td><td>-12,060</td><td>-12,626</td><td>-15,994</td><td>-19,648</td></tr><tr><td>Total loans—net of unearned incomeand allowance for credit losses</td><td>$654,679</td><td>$612,309</td><td>$604,991</td><td>$628,641</td><td>$645,824</td></tr><tr><td>Allowance for loan losses as a percentage of total loans—net of unearned income<sup>-4</sup></td><td>1.87%</td><td>1.94%</td><td>2.06%</td><td>2.50%</td><td>2.97%</td></tr><tr><td>Allowance for consumer loan losses as a percentage oftotal consumer loans—net of unearned income<sup>-4</sup></td><td>2.96%</td><td>2.88%</td><td>3.02%</td><td>3.71%</td><td>4.36%</td></tr><tr><td>Allowance for corporate loan losses as a percentage oftotal corporate loans—net of unearned income<sup>-4</sup></td><td>0.76%</td><td>0.91%</td><td>0.97%</td><td>0.90%</td><td>0.99%</td></tr></table>
<table><tr><td>DATE</td><td>CITI</td><td>S&P 500</td><td>S&P FINANCIALS</td></tr><tr><td>31-Dec-2012</td><td>100.0</td><td>100.0</td><td>100.0</td></tr><tr><td>31-Dec-2013</td><td>131.8</td><td>132.4</td><td>135.6</td></tr><tr><td>31-Dec-2014</td><td>137.0</td><td>150.5</td><td>156.2</td></tr><tr><td>31-Dec-2015</td><td>131.4</td><td>152.6</td><td>153.9</td></tr><tr><td>31-Dec-2016</td><td>152.3</td><td>170.8</td><td>188.9</td></tr><tr><td>31-Dec-2017</td><td>193.5</td><td>208.1</td><td>230.9</td></tr></table>
<table><tr><td></td><td colspan="4">January 29, 2012</td><td colspan="4">January 30, 2011</td></tr><tr><td></td><td>GrossCarryingAmount</td><td>AccumulatedAmortization</td><td>NetCarryingAmount</td><td>Weighted AverageUseful Life</td><td>GrossCarryingAmount</td><td>AccumulatedAmortization</td><td>NetCarryingAmount</td><td>Weighted Average Useful Life</td></tr><tr><td></td><td colspan="3">(In thousands)</td><td>(In years)</td><td colspan="3">(In thousands)</td><td>(In years)</td></tr><tr><td>Technology licenses</td><td>$319,930</td><td>$-99,302</td><td>$220,628</td><td>7.6</td><td>$320,477</td><td>$-62,791</td><td>$257,686</td><td>7.6</td></tr><tr><td>Acquired intellectual property</td><td>172,039</td><td>-79,261</td><td>92,778</td><td>6.0</td><td>75,339</td><td>-61,114</td><td>14,225</td><td>3.8</td></tr><tr><td>Patents</td><td>32,456</td><td>-19,726</td><td>12,730</td><td>5.3</td><td>32,203</td><td>-15,369</td><td>16,834</td><td>5.3</td></tr><tr><td>Total intangible assets</td><td>$524,425</td><td>$-198,289</td><td>$326,136</td><td></td><td>$428,019</td><td>$-139,274</td><td>$288,745</td><td></td></tr></table>

Question: what was the percentage growth of the five-year cumulative total return of s&p financials from 2015 to 2016
Answer: 0.22742
Reasoning program: subtract(188.9,153.9), divide(#0,153.9)