j.p .morgan chase & co ./ 2003 annual report 65 the commercial specific loss component of the allowance was $ 917 million at december 31 , 2003 , a decrease of 43% ( 43 % ) from year-end 2002 .the decrease was attributable to the improve- ment in the credit quality of the commercial loan portfolio , as well as the reduction in the size of the portfolio .the commercial expected loss component of the allowance was $ 454 million at december 31 , 2003 , a decrease of 26% ( 26 % ) from year- end 2002 .the decrease reflected an improvement in the average quality of the loan portfolio , as well as the improving credit envi- ronment , which affected inputs to the expected loss model .the consumer expected loss component of the allowance was $ 2.3 billion at december 31 , 2003 , a decrease of 4% ( 4 % ) from year- end 2002 .although the consumer managed loan portfolio increased by 10% ( 10 % ) , the businesses that drove the increase , home finance and auto finance , have collateralized products with lower expected loss rates .the residual component of the allowance was $ 895 million at december 31 , 2003 .the residual component , which incorpo- rates management's judgment , addresses uncertainties that are not considered in the formula-based commercial specific and expected components of the allowance for credit losses .the $ 121 million increase addressed uncertainties in the eco- nomic environment and concentrations in the commercial loan portfolio that existed during the first half of 2003 .in the sec- ond half of the year , as commercial credit quality continued to improve and the commercial allowance declined further , the residual component was reduced as well .at december 31 , 2003 , the residual component represented approximately 20% ( 20 % ) of the total allowance for loan losses , within the firm 2019s target range of between 10% ( 10 % ) and 20% ( 20 % ) .the firm anticipates that if the current positive trend in economic conditions and credit quality continues , the commercial and residual components will continue to be reduced .lending-related commitments to provide for the risk of loss inherent in the credit-extension process , management also computes specific and expected loss components as well as a residual component for commercial lending 2013related commitments .this is computed using a methodology similar to that used for the commercial loan port- folio , modified for expected maturities and probabilities of drawdown .the allowance decreased by 11% ( 11 % ) to $ 324 million as of december 31 , 2003 , due to improvement in the criticized portion of the firm 2019s lending-related commitments .credit costs . for the year ended december 31 ( in millions ) | for the year ended december 31 commercial | for the year ended december 31 consumer | for the year ended december 31 residual | for the year ended december 31 total | for the year ended december 31 commercial | for the year ended december 31 consumer | residual   | total 
provision for loan losses                      | $ -30 ( 30 )                              | $ 1491                                  | $ 118                                   | $ 1579                               | $ 2371                                    | $ 1589                                  | $ 79       | $ 4039
provision for lending-related commitments      | -47 ( 47 )                                | 2014                                    | 8                                       | -39 ( 39 )                           | 309                                       | 2014                                    | -17 ( 17 ) | 292   
securitized credit losses                      | 2014                                      | 1870                                    | 2014                                    | 1870                                 | 2014                                      | 1439                                    | 2014       | 1439  
total managed credit costs                     | $ -77 ( 77 )                              | $ 3361                                  | $ 126                                   | $ 3410                               | $ 2680                                    | $ 3028                                  | $ 62       | $ 5770 .
Question: how much, in percentage, is the consumer expected loss allowance in 2003 in relation to the consumer expected loss allowance in 2002, considering the percentage decrease over the year?
Steps: subtract(const_100, 4)
Answer: 96.0
Question: and what is the numerical representation of that percentage?

Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.
j.p .morgan chase & co ./ 2003 annual report 65 the commercial specific loss component of the allowance was $ 917 million at december 31 , 2003 , a decrease of 43% ( 43 % ) from year-end 2002 .the decrease was attributable to the improve- ment in the credit quality of the commercial loan portfolio , as well as the reduction in the size of the portfolio .the commercial expected loss component of the allowance was $ 454 million at december 31 , 2003 , a decrease of 26% ( 26 % ) from year- end 2002 .the decrease reflected an improvement in the average quality of the loan portfolio , as well as the improving credit envi- ronment , which affected inputs to the expected loss model .the consumer expected loss component of the allowance was $ 2.3 billion at december 31 , 2003 , a decrease of 4% ( 4 % ) from year- end 2002 .although the consumer managed loan portfolio increased by 10% ( 10 % ) , the businesses that drove the increase , home finance and auto finance , have collateralized products with lower expected loss rates .the residual component of the allowance was $ 895 million at december 31 , 2003 .the residual component , which incorpo- rates management's judgment , addresses uncertainties that are not considered in the formula-based commercial specific and expected components of the allowance for credit losses .the $ 121 million increase addressed uncertainties in the eco- nomic environment and concentrations in the commercial loan portfolio that existed during the first half of 2003 .in the sec- ond half of the year , as commercial credit quality continued to improve and the commercial allowance declined further , the residual component was reduced as well .at december 31 , 2003 , the residual component represented approximately 20% ( 20 % ) of the total allowance for loan losses , within the firm 2019s target range of between 10% ( 10 % ) and 20% ( 20 % ) .the firm anticipates that if the current positive trend in economic conditions and credit quality continues , the commercial and residual components will continue to be reduced .lending-related commitments to provide for the risk of loss inherent in the credit-extension process , management also computes specific and expected loss components as well as a residual component for commercial lending 2013related commitments .this is computed using a methodology similar to that used for the commercial loan port- folio , modified for expected maturities and probabilities of drawdown .the allowance decreased by 11% ( 11 % ) to $ 324 million as of december 31 , 2003 , due to improvement in the criticized portion of the firm 2019s lending-related commitments .credit costs . for the year ended december 31 ( in millions ) | for the year ended december 31 commercial | for the year ended december 31 consumer | for the year ended december 31 residual | for the year ended december 31 total | for the year ended december 31 commercial | for the year ended december 31 consumer | residual   | total 
provision for loan losses                      | $ -30 ( 30 )                              | $ 1491                                  | $ 118                                   | $ 1579                               | $ 2371                                    | $ 1589                                  | $ 79       | $ 4039
provision for lending-related commitments      | -47 ( 47 )                                | 2014                                    | 8                                       | -39 ( 39 )                           | 309                                       | 2014                                    | -17 ( 17 ) | 292   
securitized credit losses                      | 2014                                      | 1870                                    | 2014                                    | 1870                                 | 2014                                      | 1439                                    | 2014       | 1439  
total managed credit costs                     | $ -77 ( 77 )                              | $ 3361                                  | $ 126                                   | $ 3410                               | $ 2680                                    | $ 3028                                  | $ 62       | $ 5770 .
Question: how much, in percentage, is the consumer expected loss allowance in 2003 in relation to the consumer expected loss allowance in 2002, considering the percentage decrease over the year?
Steps: subtract(const_100, 4)
Answer: 96.0
Question: and what is the numerical representation of that percentage?
