INTEREST REVENUE AND EXPENSE (Tables)

9 Months Ended

Sep. 30, 2018

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	2018		2017		2018		2017
Interest revenue
Loan interest, including fees	$	11,639	$	10,745	$	33,721	$	31,082
Deposits with banks	629		486		1,554		1,156
Federal funds sold and securities borrowed or purchased under agreements to resell	1,425		858		3,800		2,348
Investments, including dividends	2,388		2,104		6,996		6,122
Trading account assets(1)	1,655		1,429		4,789		4,175
Other interest	434		292		1,192		846
Total interest revenue	$	18,170	$	15,914	$	52,052	$	45,729
Interest expense
Deposits(2)	$	2,580	$	1,775	$	6,821	$	4,793
Federal funds purchased and securities loaned or sold under agreements to repurchase	1,250		712		3,423		1,881
Trading account liabilities(1)	273		169		724		462
Short-term borrowings	578		318		1,572		719
Long-term debt	1,687		1,405		4,873		4,126
Total interest expense	$	6,368	$	4,379	$	17,413	$	11,981
Net interest revenue	$	11,802	$	11,535	$	34,639	$	33,748
Provision for loan losses	1,906		2,146		5,504		5,487
Net interest revenue after provision for loan losses	$	9,896	$	9,389	$	29,135	$	28,261

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

(2) Includes deposit insurance fees and charges of $311 million and $301 million for the three months ended September 30, 2018 and 2017, respectively, and $1,006 million and $935 million for the nine months ended September 30, 2018 and 2017, respectively.