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INTEREST INCOME AND EXPENSE (Tables)
 9 Months Ended
Sep. 30, 2024
Banking and Thrift, Interest [Abstract]  
Interest revenue and interest expense
Interest income and Interest expense consisted of the following:

Three Months Ended September 30,Nine Months Ended September 30,
In millions of dollars2024202320242023
Interest income 
Consumer loans$10,051 $9,609 $29,629 $27,195 
Corporate loans5,754 5,432 17,200 15,186 
Loan interest, including fees$15,805 $15,041 $46,829 $42,381 
Deposits with banks3,050 2,645 8,407 8,725 
Securities borrowed and purchased under agreements to resell7,293 7,363 22,326 18,791 
Investments, including dividends4,683 4,719 14,353 13,314 
Trading account assets(1)
4,451 3,893 13,082 10,391 
Other interest-earning assets(2)
1,174 1,176 3,669 3,277 
Total interest income$36,456 $34,837 $108,666 $96,879 
Interest expense
Deposits$10,319 $9,630 $30,965 $26,065 
Securities loaned and sold under agreements to repurchase7,328 6,090 21,256 14,609 
Trading account liabilities(1)
792 892 2,417 2,549 
Short-term borrowings and other interest-bearing liabilities(3)
2,009 1,956 5,873 5,382 
Long-term debt2,646 2,441 7,793 7,198 
Total interest expense$23,094 $21,009 $68,304 $55,803 
Net interest income$13,362 $13,828 $40,362 $41,076 
Provision for credit losses on loans2,382 1,816 7,163 5,314 
Net interest income after provision for credit losses on loans$10,980 $12,012 $33,199 $35,762 

(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.