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INTEREST REVENUE AND EXPENSE (Tables)
12 Months Ended
Dec. 31, 2015
Interest Revenue (Expense), Net [Abstract]  
Interest revenue and expense
Interest revenue and Interest expense consisted of the following:
In millions of dollars
2015
2014
2013
Interest revenue
 
 
 
Loan interest, including fees
$
40,510

$
44,776

$
45,580

Deposits with banks
727

959

1,026

Federal funds sold and securities borrowed or purchased under agreements to resell
2,516

2,366

2,566

Investments, including dividends
7,017

7,195

6,919

Trading account assets(1)
5,942

5,880

6,277

Other interest(2)
1,839

507

602

Total interest revenue
$
58,551

$
61,683

$
62,970

Interest expense
 
 
 
Deposits(3)
$
5,052

$
5,692

$
6,236

Federal funds purchased and securities loaned or sold under agreements to repurchase
1,614

1,895

2,339

Trading account liabilities(1)
216

168

169

Short-term borrowings
522

580

597

Long-term debt
4,517

5,355

6,836

Total interest expense
$
11,921

$
13,690

$
16,177

Net interest revenue
$
46,630

$
47,993

$
46,793

Provision for loan losses
7,108

6,828

7,604

Net interest revenue after provision for loan losses
$
39,522

$
41,165

$
39,189

(1)
Interest expense on Trading account liabilities of ICG is reported as a reduction of interest revenue from Trading account assets.
(2)
During 2015, interest earned related to assets of significant disposals (primarily OneMain Financial) were reclassified into Other interest.
(3)
Includes deposit insurance fees and charges of $1,118 million and $1,038 million and $1,132 million for 2015, 2014 and 2013, respectively.