INTEREST REVENUE AND EXPENSE (Tables)

3 Months Ended

Mar. 31, 2019

Banking and Thrift, Interest [Abstract]

Interest revenue and interest expense

Interest revenue and Interest expense consisted of the following:

	Three Months Ended March 31,
In millions of dollars	2019		2018
Interest revenue
Loan interest, including fees	$	11,969	$	10,892
Deposits with banks	607		432
Federal funds sold and securities borrowed or purchased under agreements to resell	1,783		1,039
Investments, including dividends	2,548		2,234
Trading account assets(1)	1,686		1,371
Other interest	483		364
Total interest revenue	$	19,076	$	16,332
Interest expense
Deposits(2)	$	3,027	$	1,997
Federal funds purchased and securities loaned or sold under agreements to repurchase	1,589		949
Trading account liabilities(1)	327		215
Short-term borrowings	652		471
Long-term debt	1,722		1,528
Total interest expense	$	7,317	$	5,160
Net interest revenue	$	11,759	$	11,172
Provision for loan losses	1,944		1,803
Net interest revenue after provision for loan losses	$	9,815	$	9,369

(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 $193 million and $376 million for the three months ended March 31, 2019 and 2018, respectively.