INTEREST REVENUE AND EXPENSE (Tables)

12 Months Ended

Dec. 31, 2019

Banking and Thrift, Interest [Abstract]

Interest revenue and expense

Interest revenue and Interest expense consisted of the following:

In millions of dollars	2019		2018		2017
Interest revenue
Loan interest, including fees	$	47,751	$	45,682	$	41,736
Deposits with banks	2,682		2,203		1,635
Securities borrowed and purchased under agreements to resell	6,872		5,492		3,249
Investments, including dividends	9,860		9,494		8,295
Trading account assets(1)	7,672		6,284		5,501
Other interest	1,673		1,673		1,163
Total interest revenue	$	76,510	$	70,828	$	61,579
Interest expense
Deposits(2)	$	12,633	$	9,616	$	6,587
Securities loaned and sold under agreements to repurchase	6,263		4,889		2,661
Trading account liabilities(1)	1,308		1,001		638
Short-term borrowings	2,465		2,209		1,059
Long-term debt	6,494		6,551		5,573
Total interest expense	$	29,163	$	24,266	$	16,518
Net interest revenue	$	47,347	$	46,562	$	45,061
Provision for loan losses	8,218		7,354		7,503
Net interest revenue after provision for loan losses	$	39,129	$	39,208	$	37,558

(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 $781 million, $1,182 million and $1,249 million for 2019, 2018 and 2017, respectively.