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INTEREST INCOME AND EXPENSE (Tables)
 12 Months Ended
Dec. 31, 2024
Banking and Thrift, Interest [Abstract]  
Schedule of interest revenue and expense
Interest income and Interest expense consisted of the following:

In millions of dollars202420232022
Interest income   
Consumer loans$39,542 $36,864 $28,391 
Corporate loans22,562 21,004 12,851 
Loan interest, including fees$62,104 $57,868 $41,242 
Deposits with banks11,417 11,238 4,515 
Securities borrowed and purchased under agreements to resell29,173 26,887 7,154 
Investments, including dividends 18,662 18,300 11,214 
Trading account assets(1)
17,576 14,458 7,418 
Other interest-bearing assets(2)
4,781 4,507 2,865 
Total interest income$143,713 $133,258 $74,408 
Interest expense   
Deposits$40,326 $36,300 $11,559 
Securities loaned and sold under agreements to repurchase27,884 21,439 4,455 
Trading account liabilities(1)
3,350 3,427 1,437 
Short-term borrowings and other interest-bearing liabilities(3)
7,703 7,438 2,488 
Long-term debt10,355 9,754 5,801 
Total interest expense$89,618 $78,358 $25,740 
Net interest income$54,095 $54,900 $48,668 
Provision for credit losses on loans9,726 7,786 4,745 
Net interest income after provision for credit losses on loans$44,369 $47,114 $43,923 

(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.