Provision for Credit Losses
Operating ExpensesCitigroup Provision for Credit Losses decreased by 14.7% to $2.45B in Q3 2025 compared to the prior quarter. Year-over-year, this metric declined by 8.4%, from $2.68B to $2.45B. Over 3 years (FY 2021 to FY 2024), Provision for Credit Losses shows an upward trend with a 38.8% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementIncome Statement
SectionOperating Expenses
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ1 2015
Last reportedQ3 2025
How to read this metric
An increase signals management's expectation of deteriorating credit quality or economic headwinds, while a decrease suggests improving credit conditions.
Detailed definition
An expense charged to the income statement to maintain the allowance for loan and lease losses at a level management dee...
Peer comparison
Standard risk metric for all lending institutions; highly comparable across the banking industry.
Metric ID:
is_provision_for_credit_lossesHistorical Data
18 periods
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$1.07B | -$192.00M | -$465.00M | $734.00M | $1.27B | $1.37B | $1.87B | $1.98B | $1.82B | $1.84B | $3.55B | $2.37B | $2.48B | $2.68B | $2.59B | $2.72B | $2.87B | $2.45B |
| QoQ Change | — | +82.0% | -142.2% | +257.8% | +73.6% | +7.1% | +36.7% | +5.8% | -7.6% | +0.9% | +92.8% | -33.3% | +4.7% | +8.0% | -3.1% | +5.0% | +5.5% | -14.7% |
| YoY Change | — | — | — | — | +219.5% | +810.9% | +501.3% | +169.1% | +43.2% | +34.8% | +90.1% | +19.7% | +35.7% | +45.4% | -26.9% | +15.1% | +16.0% | -8.4% |
Range-$1.07B – $3.55B
CAGR+21.6%
Avg YoY Growth+140.4%
Median YoY Growth+39.5%
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 $2.45B in Q3 2025.
- How has Citigroup's provision for credit losses changed year-over-year?
- Citigroup's provision for credit losses decreased by 8.4% year-over-year, from $2.68B to $2.45B.
- What is the long-term trend for Citigroup's provision for credit losses?
- Over 3 years (2021 to 2024), Citigroup's provision for credit losses has grown at a 38.8% compound annual growth rate (CAGR), from -$3.78B to $10.11B.
- What does provision for credit losses mean?
- The amount of money set aside to cover potential losses from loans that may not be repaid.