INTEREST REVENUE AND EXPENSE (Tables)

6 Months Ended

Jun. 30, 2011

INTEREST REVENUE AND EXPENSE

Interest revenue and expense

	Three Months Ended June 30,				Six Months Ended June 30,
In millions of dollars	2011		2010		2011		2010
Interest revenue
Loan interest, including fees	$	12,771	$	14,227	$	25,057	$	28,900
Deposits with banks		460		291		919		581
Federal funds sold and securities purchased under agreements to resell		903		781		1,741		1,533
Investments, including dividends		2,126		2,924		4,537		5,964
Trading account assets(1)		2,210		2,011		4,220		3,883
Other interest		176		122		267		278
Total interest revenue	$	18,586	$	20,356	$	36,741	$	41,139
Interest expense
Deposits(2)	$	2,230	$	2,036	$	4,244	$	4,116
Federal funds purchased and securities loaned or sold under agreements to repurchase		933		797		1,670		1,451
Trading account liabilities(1)		168		106		252		169
Short-term borrowings		168		215		338		491
Long-term debt		2,939		3,275		5,987		6,544
Total interest expense	$	6,438	$	6,429	$	12,491	$	12,771
Net interest revenue	$	12,148	$	13,927	$	24,250	$	28,368
Provision for loan losses		3,181		6,523		6,080		14,889
Net interest revenue after provision for loan losses	$	8,967	$	7,404	$	18,170	$	13,479

(1)

Interest expense on Trading account liabilities of ICG is reported as a reduction of interest revenue from Trading account assets.

(2)

Includes deposit insurance fees and charges of $367 million and $242 million for the three months ended June 30, 2011 and 2010, respectively, and $587 million and $465 million for the six months ended June 30, 2011 and 2010, respectively.