Provision for Credit Losses
Citigroup Provision for Credit Losses decreased by 9.4% to $2.22B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 14.4%, from $2.59B to $2.22B. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 27.4% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.
Detailed definition
This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...
Peer comparison
Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.
cf_provision_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$1.08B | -$201.00M | -$503.00M | $734.00M | $1.27B | $1.37B | $1.66B | $1.98B | $1.82B | $1.84B | $3.55B | $2.37B | $2.48B | $2.68B | $2.59B | $2.72B | $2.87B | $2.45B | $2.22B |
| QoQ Change | — | +81.4% | -150.2% | +245.9% | +73.6% | +7.1% | +21.8% | +18.8% | -7.6% | +0.9% | +92.8% | -33.3% | +4.7% | +8.0% | -3.1% | +5.0% | +5.5% | -14.7% | -9.4% |
| YoY Change | — | — | — | — | +217.7% | +779.1% | +430.6% | +169.1% | +43.2% | +34.8% | +113.3% | +19.7% | +35.7% | +45.4% | -26.9% | +15.1% | +16.0% | -8.4% | -14.4% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Citigroup's provision for credit losses?
- Citigroup (C) reported provision for credit losses of $2.22B in Q4 2025.
- How has Citigroup's provision for credit losses changed year-over-year?
- Citigroup's provision for credit losses decreased by 14.4% year-over-year, from $2.59B to $2.22B.
- What is the long-term trend for Citigroup's provision for credit losses?
- Over 4 years (2021 to 2025), Citigroup's provision for credit losses has grown at a 27.4% compound annual growth rate (CAGR), from -$3.89B to $10.27B.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.