COMMISSIONS AND FEES; ADMINISTRATION AND OTHER FIDUCIARY FEES (Tables)

12 Months Ended

Dec. 31, 2020

Other Income and Expenses [Abstract]

The following table presents Commissions and fees revenue:


	2020								2019								2018
In millions of dollars	ICG		GCB		Corp/Other		Total		ICG		GCB		Corp/Other		Total		ICG		GCB		Corp/Other		Total
Investment banking	$	4,483	$	—	$	—	$	4,483	$	3,767	$	—	$	—	$	3,767	$	3,568	$	—	$	—	$	3,568
Brokerage commissions	1,986		974		—		2,960		1,771		841		—		2,612		1,977		815		—		2,792
Credit card and bank card income
Interchange fees	703		7,301		—		8,004		1,222		8,621		—		9,843		1,077		8,112		11		9,200
Card-related loan fees	23		626		—		649		60		718		—		778		63		627		12		702
Card rewards and partner payments	(380)		(8,293)		—		(8,673)		(691)		(8,883)		—		(9,574)		(504)		(8,253)		(12)		(8,769)
Deposit-related fees(1)	958		376		—		1,334		1,048		470		—		1,518		1,031		572		1		1,604
Transactional service fees	886		88		—		974		824		123		—		947		733		83		4		820
Corporate finance(2)	457		—		—		457		616		—		—		616		734		—		—		734
Insurance distribution revenue	11		492		—		503		12		524		—		536		14		565		11		590
Insurance premiums	—		125		—		125		—		186		—		186		—		119		—		119
Loan servicing	82		30		25		137		78		55		21		154		100		91		37		228
Other	118		310		4		432		99		261		3		363		116		139		14		269
Total commissions and fees(3)	$	9,327	$	2,029	$	29	$	11,385	$	8,806	$	2,916	$	24	$	11,746	$	8,909	$	2,870	$	78	$	11,857

(1)Includes overdraft fees of $100 million, $127 million and $128 million for the years ended December 31, 2020, 2019 and 2018, respectively. Overdraft fees are accounted for under ASC 310.

(2)Consists primarily of fees earned from structuring and underwriting loan syndications or related financing activity. This activity is accounted for under ASC 310.

(3)Commissions and fees includes $(7,160) million, $(7,695) million and $(6,853) million not accounted for under ASC 606, Revenue from Contracts with Customers, for the years ended December 31, 2020, 2019 and 2018, respectively. Amounts reported in Commissions and fees accounted for under other guidance primarily include card-related loan fees, card reward programs and certain partner payments, corporate finance fees, insurance premiums and loan servicing fees.

The following table presents Administration and other fiduciary fees revenue:


	2020								2019								2018
In millions of dollars	ICG		GCB		Corp/Other		Total		ICG		GCB		Corp/Other		Total		ICG		GCB		Corp/Other		Total
Custody fees	$	1,590	$	29	$	38	$	1,657	$	1,453	$	16	$	73	$	1,542	$	1,497	$	133	$	65	$	1,695
Fiduciary fees	668		602		4		1,274		647		621		28		1,296		645		597		43		1,285
Guarantee fees	529		7		5		541		558		8		7		573		584		9		7		600
Total administration and other fiduciary fees(1)	$	2,787	$	638	$	47	$	3,472	$	2,658	$	645	$	108	$	3,411	$	2,726	$	739	$	115	$	3,580

(1) Administration and other fiduciary fees includes $541 million, $573 million and $600 million for the years ended December 31, 2020, 2019 and 2018, respectively, that are not accounted for under ASC 606, Revenue from Contracts with Customers. These amounts include guarantee fees.