v3.25.4
DEPOSITS
 12 Months Ended
Dec. 31, 2025
Banking and Thrift, Interest [Abstract]  
DEPOSITS DEPOSITS
Deposits consisted of the following:

December 31,
In millions of dollars20252024
Non-interest-bearing deposits in U.S. offices$121,610 $123,338 
Interest-bearing deposits in U.S. offices (including $1,862 and $1,262 as of December 31, 2025 and 2024, respectively, at fair value)
613,052 551,547 
Total deposits in U.S. offices(1)
$734,662 $674,885 
Non-interest-bearing deposits in offices outside the U.S. (including $1,218 and $383 as of December 31, 2025 and 2024, respectively, at fair value)
$87,041 $84,349 
Interest-bearing deposits in offices outside the U.S. (including $1,142 and $1,963 as of December 31, 2025 and 2024, respectively, at fair value)
581,870 525,224 
Total deposits in offices outside the U.S.(1)
$668,911 $609,573 
Total deposits$1,403,573 $1,284,458 

(1)    The classification between offices in the U.S. and outside the U.S. is based on the domicile of the booking unit, rather than the domicile of the depositor.

At December 31, 2025 and 2024, time deposits in denominations that met or exceeded the insured limit were as follows:

December 31,
In millions of dollars20252024
U.S. offices(1)(2)
$45,271 $41,153 
Offices outside the U.S.(1)(3)(4)
151,145 146,109 
Total $196,416 $187,262 

(1)    The classification between offices in the U.S. and outside the U.S. is based on the domicile of the booking unit, rather than the domicile of the depositor.
(2)    Represents time deposits in U.S. offices in denominations that met or exceeded $250,000.
(3)    Time deposits in offices outside the U.S. are assumed to be a depositor’s account as single account ownership.
(4)    The insurance coverage is applied in sequence of checking, savings and short- and long-term time deposits accounts.

At December 31, 2025, the maturities of time deposits were as follows:

In millions of dollarsU.S. Outside U.S. Total
2026$87,485 $158,027 $245,512 
2027715 1,660 2,375 
2028561 26 587 
2029242 22 264 
2030141 51 192 
After 5 years130 4 134 
Total $89,274 $159,790 $249,064