INTEREST REVENUE AND EXPENSE (Tables)

12 Months Ended

Dec. 31, 2022

Banking and Thrift, Interest [Abstract]

Interest revenue and expense

Interest revenue and Interest expense consisted of the following:

In millions of dollars	2022		2021		2020
Interest revenue
Consumer loans	$	28,391	$	26,408	$	27,763
Corporate loans	12,851		9,032		12,422
Loan interest, including fees	$	41,242	$	35,440	$	40,185
Deposits with banks	4,515		577		928
Securities borrowed and purchased under agreements to resell	7,154		1,052		2,283
Investments, including dividends	11,214		7,388		7,989
Trading account assets(1)	7,418		5,365		6,125
Other interest-bearing assets(2)	2,865		653		579
Total interest revenue	$	74,408	$	50,475	$	58,089
Interest expense
Deposits	$	11,559	$	2,896	$	5,334
Securities loaned and sold under agreements to repurchase	4,455		1,012		2,077
Trading account liabilities(1)	1,437		482		628
Short-term borrowings and other interest-bearing liabilities(3)	2,488		121		630
Long-term debt	5,801		3,470		4,669
Total interest expense	$	25,740	$	7,981	$	13,338
Net interest income	$	48,668	$	42,494	$	44,751
Provision (benefit) for credit losses on loans	4,745		(3,103)		15,922
Net interest income after provision for credit losses on loans	$	43,923	$	45,597	$	28,829

(1)Interest expense on Trading account liabilities of ICG is reported as a reduction of Interest revenue. Interest revenue and Interest expense on cash collateral positions are reported in interest on Trading account assets and Trading account liabilities, respectively.

(2)Includes assets from businesses held-for-sale (see Note 2) and Brokerage receivables.

(3)Includes liabilities from businesses held-for-sale (see Note 2) and Brokerage payables.