v3.25.4
INTEREST INCOME AND EXPENSE
 12 Months Ended
Dec. 31, 2025
Banking and Thrift, Interest [Abstract]  
INTEREST INCOME AND EXPENSE INTEREST INCOME AND EXPENSE
Interest income and Interest expense consisted of the following:

In millions of dollars202520242023
Interest income   
Consumer loans$39,800 $39,542 $36,864 
Corporate loans20,671 22,562 21,004 
Loan interest, including fees$60,471 $62,104 $57,868 
Deposits with banks12,669 11,417 11,238 
Securities borrowed and purchased under agreements to resell26,962 29,173 26,887 
Investments, including dividends 16,729 18,662 18,300 
Trading account assets(1)
20,796 17,576 14,458 
Other interest-bearing assets(2)
5,237 4,781 4,507 
Total interest income$142,864 $143,713 $133,258 
Interest expense   
Deposits$34,966 $40,326 $36,300 
Securities loaned and sold under agreements to repurchase27,651 27,884 21,439 
Trading account liabilities(1)
3,013 3,350 3,427 
Short-term borrowings and other interest-bearing liabilities(3)
7,366 7,703 7,438 
Long-term debt10,076 10,355 9,754 
Total interest expense$83,072 $89,618 $78,358 
Net interest income$59,792 $54,095 $54,900 
Provision for credit losses on loans9,497 9,726 7,786 
Net interest income after provision for credit losses on loans$50,295 $44,369 $47,114 

(1)Interest expense on Trading account liabilities of Services, Markets and Banking is reported as a reduction of Interest income. Interest income and Interest expense on cash collateral positions are reported in interest on Trading account assets and Trading account liabilities, respectively.
(2)Includes assets from businesses held-for-sale (see “Significant Disposals” in Note 2) and Brokerage receivables.
(3)Includes liabilities from businesses held-for-sale (see “Significant Disposals” in Note 2) and Brokerage payables.