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INTEREST REVENUE AND EXPENSE (Tables)
12 Months Ended
Dec. 31, 2020
Banking and Thrift, Interest [Abstract]  
Interest revenue and expense
Interest revenue and Interest expense consisted of the following:
In millions of dollars202020192018
Interest revenue   
Loan interest, including fees$40,185 $47,751 $45,682 
Deposits with banks928 2,682 2,203 
Securities borrowed and purchased under agreements to resell2,283 6,872 5,492 
Investments, including dividends 7,989 9,860 9,494 
Trading account assets(1)
6,125 7,672 6,284 
Other interest-bearing assets579 1,673 1,673 
Total interest revenue$58,089 $76,510 $70,828 
Interest expense   
Deposits(2)
$6,537 $12,633 $9,616 
Securities loaned and sold under agreements to repurchase2,077 6,263 4,889 
Trading account liabilities(1)
628 1,308 1,001 
Short-term borrowings and other interest-bearing liabilities630 2,465 2,209 
Long-term debt4,669 6,494 6,551 
Total interest expense$14,541 $29,163 $24,266 
Net interest revenue$43,548 $47,347 $46,562 
Provision for credit losses on loans15,922 8,218 7,354 
Net interest revenue after provision for credit losses on loans$27,626 $39,129 $39,208 
(1)Interest expense on Trading account liabilities of ICG is reported as a reduction of Interest revenue. Interest revenue and Interest expense on cash collateral positions are reported in interest on Trading account assets and Trading account liabilities, respectively.
(2)Includes deposit insurance fees and charges of $1,203 million, $781 million and $1,182 million for 2020, 2019 and 2018, respectively.