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v3.25.3

INTEREST INCOME AND EXPENSE (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Interest income |  |  |  |  |
Loan interest, including fees |  | $ 15,393 | $ 15,805 | $ 45,083 | $ 46,829
Deposits with banks |  | 3,435 | 3,050 | 9,479 | 8,407
Securities borrowed and purchased under agreements to resell |  | 7,003 | 7,293 | 19,915 | 22,326
Investments, including dividends |  | 4,170 | 4,683 | 12,542 | 14,353
Trading account assets |  | 5,289 | 4,451 | 15,480 | 13,082
Other interest-earning assets |  | 1,400 | 1,174 | 3,716 | 3,669
Total interest income | [1] | 36,690 | 36,456 | 106,215 | 108,666
Interest expense |  |  |  |  |
Deposits |  | 9,163 | 10,319 | 26,286 | 30,965
Securities loaned and sold under agreements to repurchase |  | 7,356 | 7,328 | 20,550 | 21,256
Trading account liabilities |  | 755 | 792 | 2,260 | 2,417
Short-term borrowings and other interest-bearing liabilities |  | 1,933 | 2,009 | 5,459 | 5,873
Long-term debt |  | 2,543 | 2,646 | 7,533 | 7,793
Total interest expense | [1] | 21,750 | 23,094 | 62,088 | 68,304
Net interest income | [1] | 14,940 | 13,362 | 44,127 | 40,362
Provision for credit losses on loans |  | 2,259 | 2,382 | 7,297 | 7,163
Net interest income after provision for credit losses on loans |  | 12,681 | 10,980 | 36,830 | 33,199
Consumer loans |  |  |  |  |
Interest income |  |  |  |  |
Loan interest, including fees |  | 10,150 | 10,051 | 29,679 | 29,629
Corporate loans |  |  |  |  |
Interest income |  |  |  |  |
Loan interest, including fees |  | $ 5,243 | $ 5,754 | $ 15,404 | $ 17,200
[1] | Effective January 1, 2025, certain transaction processing fees paid by Citi, primarily to credit card networks, which were previously presented within Other operating expenses, are presented as contra-revenue within Commissions and fees reported in Non-interest revenue. Prior periods were conformed to reflect this change in presentation.

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