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INTEREST REVENUE AND EXPENSE (Tables)
 9 Months Ended
Sep. 30, 2019
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
2019
2018
2019
2018
Interest revenue
 
 
 
 
Loan interest, including fees
$
11,993

$
11,639

$
35,942

$
33,721

Deposits with banks
736

629

2,079

1,554

Securities borrowed or purchased under agreements to resell
1,745

1,425

5,422

3,800

Investments, including dividends
2,411

2,388

7,464

6,996

Trading account assets(1)
1,893

1,655

5,719

4,789

Other interest
399

434

1,339

1,192

Total interest revenue
$
19,177

$
18,170

$
57,965

$
52,052

Interest expense
 
 
 
 
Deposits(2)
$
3,369

$
2,580

$
9,680

$
6,821

Securities loaned or sold under agreements to repurchase
1,630

1,250

4,943

3,423

Trading account liabilities(1)
345

273

992

724

Short-term borrowings
609

578

1,976

1,572

Long-term debt
1,583

1,687

5,024

4,873

Total interest expense
$
7,536

$
6,368

$
22,615

$
17,413

Net interest revenue
$
11,641

$
11,802

$
35,350

$
34,639

Provision for loan losses
2,062

1,906

6,095

5,504

Net interest revenue after provision for loan losses
$
9,579

$
9,896

$
29,255

$
29,135


(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 $199 million and $311 million for the three months ended September 30, 2019 and 2018, respectively, and $581 million and $1,006 million for the nine months ended September 30, 2019 and 2018, respectively.