The footnotes to the 2012 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 2012, the company had outstanding loan receivables of $655,464: $408,671 in consumer loans and $246,783 in corporate loans. Which of the two categories appears to be the riskier?Why?

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Allowance for Credit Losses 2012 2011 2010 Allowance for loan losses at beginning of year$?$36,033 Provision for credit losses- consumer Provision for credit losses-corporate Consumer credit losses Corporate credit losses Consumer recoveries Corporate recoveries Allowance for loan losses at end of year 9,796 120 16,838 640 2,485 417 10,254 35,494 (13) 21,164 31,073 2,000 3,418 2,638 994 (756) 2,740 386