DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2024

Banking and Thrift, Interest [Abstract]

Schedule of deposits

Deposits consisted of the following:

	December 31,
In millions of dollars	2024		2023
Non-interest-bearing deposits in U.S. offices	$	123,338	$	112,089
Interest-bearing deposits in U.S. offices (including $1,262 and $1,309 as of December 31, 2024 and 2023, respectively, at fair value)	551,547		576,784
Total deposits in U.S. offices(1)	$	674,885	$	688,873
Non-interest-bearing deposits in offices outside the U.S. (including $383 and $0 as of December 31, 2024 and 2023, respectively, at fair value)	$	84,349	$	88,988
Interest-bearing deposits in offices outside the U.S. (including $1,963 and $1,131 as of December 31, 2024 and 2023, respectively, at fair value)	525,224		530,820
Total deposits in offices outside the U.S.(1)	$	609,573	$	619,808
Total deposits	$	1,284,458	$	1,308,681

At December 31, 2024 and 2023, time deposits in denominations that met or exceeded the insured limit were as follows:

	December 31,
In millions of dollars	2024		2023
U.S. offices(1)(2)	$	41,153	$	67,471
Offices outside the U.S.(1)(3)(4)	146,109		155,973
Total	$	187,262	$	223,444

(1)    The classification between offices in the U.S. and outside the U.S. is based on the domicile of the booking unit, rather than the domicile of the depositor.     

(2)    Represents time deposits in U.S. offices in denominations that met or exceeded $250,000.

(3)    Time deposits in offices outside the U.S. are assumed to be a depositor’s account as single account ownership.

(4)    The insurance coverage is applied in sequence of checking, savings and short- and long-term time deposits accounts.

Schedule of maturities of time deposits

At December 31, 2024, the maturities of time deposits were as follows:

In millions of dollars	U.S.		Outside U.S.		Total
2025	$	79,765	$	152,771	$	232,536
2026	1,834		950		2,784
2027	205		196		401
2028	219		20		239
2029	181		30		211
After 5 years	125		4		129
Total	$	82,329	$	153,971	$	236,300