INTEREST INCOME AND EXPENSE (Tables)

3 Months Ended

Mar. 31, 2025

Banking and Thrift, Interest [Abstract]

Interest revenue and interest expense

Interest income and Interest expense consisted of the following:

	Three Months Ended March 31,
In millions of dollars	2025		2024
Interest income
Consumer loans	$	9,758	$	9,798
Corporate loans	4,968		5,744
Loan interest, including fees	$	14,726	$	15,542
Deposits with banks	3,001		2,647
Securities borrowed and purchased under agreements to resell	6,291		7,822
Investments, including dividends	4,166		4,849
Trading account assets(1)	4,370		4,128
Other interest-bearing assets(2)	1,112		1,235
Total interest income	$	33,666	$	36,223
Interest expense
Deposits	$	8,438	$	10,411
Securities loaned and sold under agreements to repurchase	6,256		6,966
Trading account liabilities(1)	757		831
Short-term borrowings and other interest-bearing liabilities(3)	1,726		1,956
Long-term debt	2,477		2,552
Total interest expense	$	19,654	$	22,716
Net interest income	$	14,012	$	13,507
Provision for credit losses on loans	2,561		2,422
Net interest income after provision for credit losses on loans	$	11,451	$	11,085

(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.