troubled debt restructurings ( tdrs ) a tdr is a loan whose terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulty .
tdrs result from our loss mitigation activities , and include rate reductions , principal forgiveness , postponement/reduction of scheduled amortization , and extensions , which are intended to minimize economic loss and to avoid foreclosure or repossession of collateral .
additionally , tdrs also result from borrowers that have been discharged from personal liability through chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to pnc .
in those situations where principal is forgiven , the amount of such principal forgiveness is immediately charged off .
some tdrs may not ultimately result in the full collection of principal and interest , as restructured , and result in potential incremental losses .
these potential incremental losses have been factored into our overall alll estimate .
the level of any subsequent defaults will likely be affected by future economic conditions .
once a loan becomes a tdr , it will continue to be reported as a tdr until it is ultimately repaid in full , the collateral is foreclosed upon , or it is fully charged off .
we held specific reserves in the alll of $ .3 billion and $ .4 billion at december 31 , 2015 and december 31 , 2014 , respectively , for the total tdr portfolio .
table 61 : summary of troubled debt restructurings in millions december 31 december 31 .

In millions
December 312015
December 312014
Total consumer lending
$1,917
$2,041
Total commercial lending
434
542
Total TDRs
$2,351
$2,583
Nonperforming
$1,119
$1,370
Accruing (a)
1,232
1,213
Total TDRs
$2,351
$2,583

( a ) accruing loans include consumer credit card loans and loans that have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans .
loans where borrowers have been discharged from personal liability through chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to pnc and loans to borrowers not currently obligated to make both principal and interest payments under the restructured terms are not returned to accrual status .
table 62 quantifies the number of loans that were classified as tdrs as well as the change in the recorded investments as a result of the tdr classification during the years 2015 , 2014 and 2013 respectively .
additionally , the table provides information about the types of tdr concessions .
the principal forgiveness tdr category includes principal forgiveness and accrued interest forgiveness .
these types of tdrs result in a write down of the recorded investment and a charge-off if such action has not already taken place .
the rate reduction tdr category includes reduced interest rate and interest deferral .
the tdrs within this category result in reductions to future interest income .
the other tdr category primarily includes consumer borrowers that have been discharged from personal liability through chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to pnc , as well as postponement/reduction of scheduled amortization and contractual extensions for both consumer and commercial borrowers .
in some cases , there have been multiple concessions granted on one loan .
this is most common within the commercial loan portfolio .
when there have been multiple concessions granted in the commercial loan portfolio , the principal forgiveness concession was prioritized for purposes of determining the inclusion in table 62 .
for example , if there is principal forgiveness in conjunction with lower interest rate and postponement of amortization , the type of concession will be reported as principal forgiveness .
second in priority would be rate reduction .
for example , if there is an interest rate reduction in conjunction with postponement of amortization , the type of concession will be reported as a rate reduction .
in the event that multiple concessions are granted on a consumer loan , concessions resulting from discharge from personal liability through chapter 7 bankruptcy without formal affirmation of the loan obligations to pnc would be prioritized and included in the other type of concession in the table below .
after that , consumer loan concessions would follow the previously discussed priority of concessions for the commercial loan portfolio .
136 the pnc financial services group , inc .
2013 form 10-k .

Question: Analyse this data from a financial earnings document. at 12/31/15 , nonperforming loans were what percent of total tdrs?
Choices:
-0.47597
1
0.1846
159.85714
0.47597
Correct choice index: 4