Discontinued — last reported Q3 '23
Allowance for credit losses
International Business Machines Allowance for credit losses increased by 4.5% to $207.00M in Q4 2025 compared to the prior quarter. Over 3 years (FY 2022 to FY 2025), Allowance for credit losses shows a downward trend with a -18.5% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase often signals management's expectation of deteriorating credit quality or economic headwinds, while a decrease may suggest improved borrower health.
Detailed definition
A contra-asset account representing the bank's estimate of uncollectible amounts within its loan portfolio. This reserve...
Peer comparison
Required by accounting standards (e.g., CECL or IFRS 9) for all banks; essential for comparing risk-adjusted performance.
bank_allowance_for_credit_lossesHistorical Data
| Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|
| Value | $383.00M | $305.00M | $198.00M | $207.00M |
| QoQ Change | — | -20.4% | -35.1% | +4.5% |
| YoY Change | — | -20.4% | -35.1% | +4.5% |
Allowance for credit losses at Other Companies
Frequently Asked Questions
- What is International Business Machines's allowance for credit losses?
- International Business Machines (IBM) reported allowance for credit losses of $207.00M in Q4 2025.
- What is the long-term trend for International Business Machines's allowance for credit losses?
- Over 3 years (2022 to 2025), International Business Machines's allowance for credit losses has grown at a -18.5% compound annual growth rate (CAGR), from $383.00M to $207.00M.
- What does allowance for credit losses mean?
- The amount of money the bank has set aside to cover potential losses from loans that may not be repaid.