18 . allowance for credit losses .

2009: allowance for loan losses at beginning of year: 29616
gross credit losses: -32784
gross recoveries: 2043
net credit ( losses ) recoveries ( ncls ): -30741
ncls: 30741
net reserve builds ( releases ): 5741
net specific reserve builds ( releases ): 2278
total provision for credit losses: 38760
other net ( 2 ): -1602
allowance for loan losses at end of year: 36033
allowance for credit losses on unfunded lending commitments at beginning of year ( 3 ): 887
provision for unfunded lending commitments: 244
allowance for credit losses on unfunded lending commitments at end of year ( 3 ): 1157
total allowance for loans leases and unfunded lending commitments: 37190
2008 ( 1 ): allowance for loan losses at beginning of year: 16117
gross credit losses: -20760
gross recoveries: 1749
net credit ( losses ) recoveries ( ncls ): -19011
ncls: 19011
net reserve builds ( releases ): 11297
net specific reserve builds ( releases ): 3366
total provision for credit losses: 33674
other net ( 2 ): -1164
allowance for loan losses at end of year: 29616
allowance for credit losses on unfunded lending commitments at beginning of year ( 3 ): 1250
provision for unfunded lending commitments: -363
allowance for credit losses on unfunded lending commitments at end of year ( 3 ): 887
total allowance for loans leases and unfunded lending commitments: 30503
2007 ( 1 ): allowance for loan losses at beginning of year: 8940
gross credit losses: -11864
gross recoveries: 1938
net credit ( losses ) recoveries ( ncls ): -9926
ncls: 9926
net reserve builds ( releases ): 6550
net specific reserve builds ( releases ): 356
total provision for credit losses: 16832
other net ( 2 ): 271
allowance for loan losses at end of year: 16117
allowance for credit losses on unfunded lending commitments at beginning of year ( 3 ): 1100
provision for unfunded lending commitments: 150
allowance for credit losses on unfunded lending commitments at end of year ( 3 ): 1250
total allowance for loans leases and unfunded lending commitments: 17367

( 1 ) reclassified to conform to the current period 2019s presentation . ( 2 ) 2009 primarily includes reductions to the loan loss reserve of approximately $ 543 million related to securitizations , approximately $ 402 million related to the sale or transfers to held-for-sale of u.s . real estate lending loans , and $ 562 million related to the transfer of the u.k . cards portfolio to held-for-sale . 2008 primarily includes reductions to the loan loss reserve of approximately $ 800 million related to fx translation , $ 102 million related to securitizations , $ 244 million for the sale of the german retail banking operation , $ 156 million for the sale of citicapital , partially offset by additions of $ 106 million related to the cuscatl e1n and bank of overseas chinese acquisitions . 2007 primarily includes reductions to the loan loss reserve of $ 475 million related to securitizations and transfers to loans held-for-sale , and reductions of $ 83 million related to the transfer of the u.k . citifinancial portfolio to held-for-sale , offset by additions of $ 610 million related to the acquisitions of egg , nikko cordial , grupo cuscatl e1n and grupo financiero uno . ( 3 ) represents additional credit loss reserves for unfunded corporate lending commitments and letters of credit recorded in other liabilities on the consolidated balance sheet. .

Questions:
what was the change in the allowance for loan losses from 2008 to 2009?
and what was that allowance in 2008?
what percentage, then, does that change represent in relation to this 2008 allowance?
and from 2007 to 2008, what was the change in that allowance?
and what is this change as a percentage of the allowance for loan losses in 2007?

Answers:
13499
16117
84%
7177
80%