The footnotes to the 2019 financial statements of Citigroup, the holding company for Citibank, contained the following information (dollars in millions). "Provision for credit losses" refers to bad debt expense and "credit losses" refers to receivable write-offs.

INSTRUCTIONS:
a. Fill in the missing values and comment on any trends across the three-year period. Specifically comment on the trend concerning the annual estimate for consumer loan losses.
b. As of the end of 2019, the company had outstanding loan receivables of $699,483: $309,548 in consumer loans and $389,935 in corporate loans. Which of the two categories appears to be the riskier? Why?

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Allowance for Credit Losses 2019 2018 2017 Allowance for loan losses at beginning of year $ ? $ ? $12,060 Provision for credit losses-consumer 7,769 7,000 7,167 Provision for credit losses- corporate 467 73 204 Consumer credit losses 8,854 8,322 8,041 Corporate credit losses 487 343 632 Consumer recoveries 1,478 1,414 1,444 Corporate recoveries 95 138 153 Allowance for loan losses at end of year ?