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INTEREST INCOME AND EXPENSE
 6 Months Ended
Jun. 30, 2024
Banking and Thrift, Interest [Abstract]  
INTEREST INCOME AND EXPENSE INTEREST INCOME AND EXPENSE
Interest income and Interest expense consisted of the following:

Three Months Ended June 30,Six Months Ended June 30,
In millions of dollars2024202320242023
Interest income 
Consumer loans$9,780 $8,962 $19,578 $17,586 
Corporate loans5,702 5,094 11,446 9,753 
Loan interest, including fees$15,482 $14,056 $31,024 $27,339 
Deposits with banks2,710 3,049 5,357 6,080 
Securities borrowed and purchased under agreements to resell7,211 6,254 15,033 11,428 
Investments, including dividends4,821 4,451 9,670 8,595 
Trading account assets(1)
4,503 3,752 8,631 6,499 
Other interest-earning assets(2)
1,260 1,085 2,495 2,101 
Total interest income$35,987 $32,647 $72,210 $62,042 
Interest expense
Deposits$10,235 $8,727 $20,646 $16,435 
Securities loaned and sold under agreements to repurchase6,962 4,953 13,928 8,519 
Trading account liabilities(1)
794 870 1,625 1,657 
Short-term borrowings and other interest-bearing liabilities(3)
1,908 1,777 3,864 3,426 
Long-term debt2,595 2,420 5,147 4,757 
Total interest expense$22,494 $18,747 $45,210 $34,794 
Net interest income$13,493 $13,900 $27,000 $27,248 
Provision for credit losses on loans2,359 1,761 4,781 3,498 
Net interest income after provision for credit losses on loans$11,134 $12,139 $22,219 $23,750 

(1)Interest expense on Trading account liabilities of Services, Markets and Banking is reported as a reduction of Interest income. Interest income 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.