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INTEREST INCOME AND EXPENSE
 12 Months Ended
Dec. 31, 2023
Banking and Thrift, Interest [Abstract]  
INTEREST INCOME AND EXPENSE INTEREST INCOME AND EXPENSE
Interest revenue and Interest expense consisted of the following:

In millions of dollars202320222021
Interest income   
Consumer loans$36,864 $28,391 $26,408 
Corporate loans21,004 12,851 9,032 
Loan interest, including fees$57,868 $41,242 $35,440 
Deposits with banks11,238 4,515 577 
Securities borrowed and purchased under agreements to resell26,887 7,154 1,052 
Investments, including dividends 18,300 11,214 7,388 
Trading account assets(1)
14,458 7,418 5,365 
Other interest-bearing assets(2)
4,507 2,865 653 
Total interest income$133,258 $74,408 $50,475 
Interest expense   
Deposits$36,300 $11,559 $2,896 
Securities loaned and sold under agreements to repurchase21,439 4,455 1,012 
Trading account liabilities(1)
3,427 1,437 482 
Short-term borrowings and other interest-bearing liabilities(3)
7,438 2,488 121 
Long-term debt9,754 5,801 3,470 
Total interest expense$78,358 $25,740 $7,981 
Net interest income$54,900 $48,668 $42,494 
Provision (benefit) for credit losses on loans7,786 4,745 (3,103)
Net interest income after provision for credit losses on loans$47,114 $43,923 $45,597 

(1)Interest expense on Trading account liabilities of Services, Markets and Banking 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.