INTEREST REVENUE AND EXPENSE (Tables)

9 Months Ended

Sep. 30, 2013

INTEREST REVENUE AND EXPENSE

Interest revenue and expense

	Three Months Ended September 30,				Nine Months Ended September 30,
In millions of dollars	2013		2012		2013		2012
Interest revenue
Loan interest, including fees	$	11,308	$	11,976	$	34,033	$	35,991
Deposits with banks		255		294		763		988
Federal funds sold and securities borrowed or purchased under agreements to resell		617		825		2,007		2,670
Investments, including dividends		1,689		1,882		5,178		5,646
Trading account assets(1)		1,491		1,616		4,790		5,008
Other interest		103		144		492		414
Total interest revenue	$	15,463	$	16,737	$	47,263	$	50,717
Interest expense
Deposits(2)	$	1,490	$	1,917	$	4,749	$	5,860
Federal funds purchased and securities loaned or sold under agreements to repurchase		561		713		1,800		2,161
Trading account liabilities(1)		46		46		131		151
Short-term borrowings		150		173		461		564
Long-term debt		1,705		2,177		5,299		7,211
Total interest expense	$	3,952	$	5,026	$	12,440	$	15,947
Net interest revenue	$	11,511	$	11,711	$	34,823	$	34,770
Provision for loan losses		1,652		2,436		5,693		7,620
Net interest revenue after provision for loan losses	$	9,859	$	9,275	$	29,130	$	27,150

(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 $267 million and $290 million for three months ended September 30, 2013 and 2012, respectively, and $855 million and $959 million for nine months ended September 30, 2013 and 2012, respectively.