The footnotes to the 2014 financial statements of Citigroup, the holding company for Citibank, contained the following information (dollars in millions):

REQUIRED:
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 2014, the company had outstanding loan receivables of $644,635: $369,970 in consumer loans and $274,665 in corporate loans. Which of the two categories appears to be the riskier? Why?

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Allowance for Credit Losses 2014 2013 2012 Allowance for loan losses at beginning of year $30,115 Provision for credit losses-consumer 6,693 7,603 10,371 Provision for credit losses-corporate 135 87 Consumer credit losses 10,681 15,356 16,365 Corporate credit losses 427 361 640 Consumer recoveries 2,138 1,437 529 Corporate recoveries 97 168 450 Allowance for loan losses at end of year ? ?