INTEREST REVENUE AND EXPENSE (Tables)

6 Months Ended

Jun. 30, 2013

INTEREST REVENUE AND EXPENSE

Interest revenue and expense

	Three Months Ended June 30,				Six Months Ended June 30,
In millions of dollars	2013		2012		2013		2012
Interest revenue
Loan interest, including fees	$	11,300	$	11,774	$	22,725	$	24,015
Deposits with banks		252		329		508		694
Federal funds sold and securities borrowed or purchased under agreements to resell		702		902		1,390		1,845
Investments, including dividends		1,687		1,854		3,489		3,764
Trading account assets(1)		1,669		1,695		3,299		3,392
Other interest		230		132		389		270
Total interest revenue	$	15,840	$	16,686	$	31,800	$	33,980
Interest expense
Deposits(2)	$	1,583	$	1,933	$	3,259	$	3,943
Federal funds purchased and securities loaned or sold under agreements to repurchase		630		753		1,239		1,448
Trading account liabilities(1)		43		52		85		105
Short-term borrowings		148		183		311		391
Long-term debt		1,754		2,422		3,594		5,034
Total interest expense	$	4,158	$	5,343	$	8,488	$	10,921
Net interest revenue	$	11,682	$	11,343	$	23,312	$	23,059
Provision for loan losses		1,827		2,475		4,041		5,184
Net interest revenue after provision for loan losses	$	9,855	$	8,868	$	19,271	$	17,875

(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 $289 million and $297 million for three months ended June 30, 2013 and 2012, respectively, and $588 million and $669 million for six months ended June 30, 2013 and 2012, respectively.