INTEREST REVENUE AND EXPENSE

12 Months Ended

Dec. 31, 2017

Banking and Thrift, Interest [Abstract]

INTEREST REVENUE AND EXPENSE

INTEREST REVENUE AND EXPENSE

Interest revenue and Interest expense consisted of the following:

In millions of dollars	2017		2016		2015
Interest revenue
Loan interest, including fees	$	41,361	$	39,752	$	40,510
Deposits with banks	1,635		971		727
Federal funds sold and securities borrowed or purchased under agreements to resell	3,248		2,543		2,516
Investments, including dividends	8,295		7,582		7,017
Trading account assets(1)	5,502		5,738		5,942
Other interest(2)	1,163		1,029		1,839
Total interest revenue	$	61,204	$	57,615	$	58,551
Interest expense
Deposits(3)	$	6,586	$	5,300	$	5,052
Federal funds purchased and securities loaned or sold under agreements to repurchase	2,661		1,912		1,612
Trading account liabilities(1)	638		410		217
Short-term borrowings	1,059		477		523
Long-term debt	5,573		4,412		4,517
Total interest expense	$	16,517	$	12,511	$	11,921
Net interest revenue	$	44,687	$	45,104	$	46,630
Provision for loan losses	7,503		6,749		7,108
Net interest revenue after provision for loan losses	$	37,184	$	38,355	$	39,522

(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) was reclassified to Other interest.

(3) Includes deposit insurance fees and charges of $1,249 million, $1,145 million and $1,118 million for 2017, 2016 and 2015, respectively.