INTEREST REVENUE AND EXPENSE

9 Months Ended

Sep. 30, 2015

Interest Revenue (Expense), Net [Abstract]

INTEREST REVENUE AND EXPENSE

INTEREST REVENUE AND EXPENSE

For the three and nine months endedSeptember 30, 2015 and 2014, Interest revenue and Interest expense consisted of the following:

	Three Months Ended   September 30,				Nine Months Ended September 30,
In millions of dollars	2015		2014		2015		2014
Interest revenue
Loan interest, including fees	$	9,985	$	11,187	$	30,544	$	33,729
Deposits with banks	187		235		538		737
Federal funds sold and securities borrowed or purchased under agreements to resell	656		567		1,962		1,753
Investments, including dividends	1,727		1,824		5,194		5,388
Trading account assets(1)	1,498		1,484		4,517		4,424
Other interest	661		215		1,432		392
Total interest revenue	$	14,714	$	15,512	$	44,187	$	46,423
Interest expense
Deposits(2)	$	1,215	$	1,417	$	3,828	$	4,335
Federal funds purchased and securities loaned or sold under agreements to repurchase	379		411		1,198		1,473
Trading account liabilities(1)	57		38		158		127
Short-term borrowings	159		141		436		440
Long-term debt	1,131		1,318		3,400		4,156
Total interest expense	$	2,941	$	3,325	$	9,020	$	10,531
Net interest revenue	$	11,773	$	12,187	$	35,167	$	35,892
Provision for loan losses	1,582		1,575		4,852		4,947
Net interest revenue after provision for loan losses	$	10,191	$	10,612	$	30,315	$	30,945

(1) Interest expense on Trading account liabilities of ICG is reported as a reduction of interest revenue from Trading account assets.

(2) Includes deposit insurance fees and charges of $264 million and $234 million for the three months ended September 30, 2015 and 2014, respectively, and $849 million and $766 million for the nine months ended September 30, 2015 and 2014, respectively.