INTEREST REVENUE AND EXPENSE (Tables)

9 Months Ended

Sep. 30, 2016

Banking and Thrift, Interest [Abstract]

Interest revenue and interest expense

Interest revenue and Interest expense consisted of the following:

	Three Months Ended   September 30,				Nine Months Ended September 30,
In millions of dollars	2016		2015		2016		2015
Interest revenue
Loan interest, including fees	$	10,229	$	9,985	$	29,739	$	30,544
Deposits with banks	247		187		703		538
Federal funds sold and securities borrowed or purchased under agreements to resell	636		656		1,947		1,962
Investments, including dividends	1,887		1,727		5,679		5,194
Trading account assets(1)	1,433		1,498		4,399		4,517
Other interest(2)	221		661		709		1,432
Total interest revenue	$	14,653	$	14,714	$	43,176	$	44,187
Interest expense
Deposits(3)	$	1,443	$	1,215	$	3,953	$	3,828
Federal funds purchased and securities loaned or sold under agreements to repurchase	459		379		1,488		1,198
Trading account liabilities(1)	102		57		286		158
Short-term borrowings	90		159		300		436
Long-term debt	1,080		1,131		3,207		3,400
Total interest expense	$	3,174	$	2,941	$	9,234	$	9,020
Net interest revenue	$	11,479	$	11,773	$	33,942	$	35,167
Provision for loan losses	1,746		1,582		5,022		4,852
Net interest revenue after provision for loan losses	$	9,733	$	10,191	$	28,920	$	30,315

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

(2) During 2015, interest earned related to assets of significant disposals (primarily OneMain Financial) were reclassified into Other interest.

(3) Includes deposit insurance fees and charges of $336 million and $264 million for the three months ended September 30, 2016 and 2015, respectively, and $838 million and $849 million for the nine months ended September 30, 2016 and 2015, respectively.