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INTEREST REVENUE AND EXPENSE (Tables)

12 Months Ended

Dec. 31, 2012

INTEREST REVENUE AND INTEREST EXPENSE

Interest revenue and Interest expense

In millions of dollars		2012			2011			2010
Interest revenue
Loan interest, including fees		$	48,544		$	50,281		$	55,056
Deposits with banks			1,269			1,750			1,252
Federal funds sold and securities borrowed or
purchased under agreements to resell			3,418			3,631			3,156
Investments, including dividends			7,525			8,320			11,004
Trading account assets ⁽¹⁾			6,802			8,186			8,079
Other interest			580			513			735
Total interest revenue		$	68,138		$	72,681		$	79,282
Interest expense
Deposits ⁽²⁾		$	7,613		$	8,556		$	8,371
Federal funds purchased and securities loaned or
sold under agreements to repurchase			2,817			3,197			2,808
Trading account liabilities ⁽¹⁾			190			408			379
Short-term borrowings			727			650			917
Long-term debt			9,188			11,423			12,621
Total interest expense		$	20,535		$	24,234		$	25,096
Net interest revenue		$	47,603		$	48,447		$	54,186
Provision for loan losses			10,848			11,773			25,194
Net interest revenue after
provision for loan losses		$	36,755		$	36,674		$	28,992

(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 $1,262 million, $1,332 million and $981 million for the years ended December 31, 2012, December 31, 2011 and December 31, 2010, respectively.