Operating Expenses
Provision for Credit Losses
Citigroup Provision for Credit Losses increased by 51.7% to $3.36B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.2%, from $3.35B to $3.36B. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 28.4% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementIncome Statement
SectionOperating Expenses
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ1 2013
Last reportedQ1 2026
How to read this metric
An increase suggests deteriorating credit quality or portfolio growth, while a decrease may indicate improved borrower health or more conservative lending.
Detailed definition
This is an expense set aside to cover expected future losses on loans and credit card receivables. It reflects managemen...
Peer comparison
Standard for all lenders and credit card issuers.
Metric ID:
provision_for_credit_lossesHistorical Data
19 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 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$1.07B | -$192.00M | -$465.00M | $368.00M | $362.00M | $350.00M | $4.16B | $1.30B | $1.50B | $1.64B | $4.74B | $2.30B | $2.28B | $2.17B | $3.35B | $2.46B | $2.23B | $2.21B | $3.36B |
| QoQ Change | — | +82.0% | -142.2% | +179.1% | -1.6% | -3.3% | >999% | -68.7% | +15.5% | +8.8% | +189.7% | -51.4% | -0.9% | -4.9% | +54.3% | -26.6% | -9.2% | -0.9% | +51.7% |
| YoY Change | — | — | — | — | +134.0% | +282.3% | +994.4% | +253.8% | +315.5% | +367.7% | +14.0% | +76.9% | +51.8% | +32.7% | -29.3% | +6.8% | -2.1% | +1.9% | +0.2% |
Range-$1.07B – $4.74B
CAGR+29.0%
Avg YoY Growth+166.7%
Median YoY Growth+51.8%
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 $3.36B in Q4 2025.
- How has Citigroup's provision for credit losses changed year-over-year?
- Citigroup's provision for credit losses increased by 0.2% year-over-year, from $3.35B to $3.36B.
- 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 28.4% compound annual growth rate (CAGR), from -$3.78B to $10.27B.
- What does provision for credit losses mean?
- The amount of money set aside to cover potential losses from unpaid loans.