INTEREST REVENUE AND EXPENSE (Tables)

9 Months Ended

Sep. 30, 2017

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	2017		2016		2017		2016
Interest revenue
Loan interest, including fees	$	10,652	$	10,229	$	30,798	$	29,739
Deposits with banks	486		247		1,156		703
Federal funds sold and securities borrowed or purchased under agreements to resell	858		636		2,347		1,947
Investments, including dividends	2,104		1,887		6,122		5,679
Trading account assets(1)	1,429		1,433		4,176		4,399
Other interest	292		221		846		709
Total interest revenue	$	15,821	$	14,653	$	45,445	$	43,176
Interest expense
Deposits(2)	$	1,775	$	1,443	$	4,793	$	3,953
Federal funds purchased and securities loaned or sold under agreements to repurchase	712		459		1,881		1,488
Trading account liabilities(1)	169		102		462		286
Short-term borrowings	318		90		719		300
Long-term debt	1,405		1,080		4,126		3,207
Total interest expense	$	4,379	$	3,174	$	11,981	$	9,234
Net interest revenue	$	11,442	$	11,479	$	33,464	$	33,942
Provision for loan losses	2,146		1,746		5,487		5,022
Net interest revenue after provision for loan losses	$	9,296	$	9,733	$	27,977	$	28,920

(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 $301 million and $336 million for the three months ended September 30, 2017 and 2016, respectively, and $936 million and $838 million for the nine months ended September 30, 2017 and 2016, respectively.