management 2019s discussion and analysis 120 jpmorgan chase & co./2014 annual report wholesale credit portfolio the firm 2019s wholesale businesses are exposed to credit risk through underwriting , lending and trading activities with and for clients and counterparties , as well as through various operating services such as cash management and clearing activities .
a portion of the loans originated or acquired by the firm 2019s wholesale businesses is generally retained on the balance sheet .
the firm distributes a significant percentage of the loans it originates into the market as part of its syndicated loan business and to manage portfolio concentrations and credit risk .
the wholesale credit environment remained favorable throughout 2014 driving an increase in client activity .
growth in loans retained was driven primarily by activity in commercial banking , while growth in lending-related commitments reflected increased activity in both the corporate & investment bank and commercial banking .
discipline in underwriting across all areas of lending continues to remain a key point of focus , consistent with evolving market conditions and the firm 2019s risk management activities .
the wholesale portfolio is actively managed , in part by conducting ongoing , in-depth reviews of client credit quality and transaction structure , inclusive of collateral where applicable ; and of industry , product and client concentrations .
during the year , wholesale criticized assets decreased from 2013 , including a reduction in nonaccrual loans by 40% ( 40 % ) .
wholesale credit portfolio december 31 , credit exposure nonperforming ( d ) .

December 31,
Credit exposure
Nonperforming<sup>(d)</sup>
(in millions)
2014
2013
2014
2013
Loans retained
$324,502
$308,263
$599
$821
Loans held-for-sale
3,801
11,290
4
26
Loans at fair value
2,611
2,011
21
197
Loans – reported
330,914
321,564
624
1,044
Derivative receivables
78,975
65,759
275
415
Receivables from customers and other<sup>(a)</sup>
28,972
26,744
—
—
Total wholesale credit-related assets
438,861
414,067
899
1,459
Lending-related commitments<sup>(b)</sup>
472,056
446,232
103
206
Total wholesale credit exposure
$910,917
$860,299
$1,002
$1,665
Credit Portfolio Management derivatives notional, net<sup>(c)</sup>
$(26,703)
$(27,996)
$—
$(5)
Liquid securities and other cash collateral held against derivatives
(19,604)
(14,435)
NA
NA

receivables from customers and other ( a ) 28972 26744 2014 2014 total wholesale credit- related assets 438861 414067 899 1459 lending-related commitments ( b ) 472056 446232 103 206 total wholesale credit exposure $ 910917 $ 860299 $ 1002 $ 1665 credit portfolio management derivatives notional , net ( c ) $ ( 26703 ) $ ( 27996 ) $ 2014 $ ( 5 ) liquid securities and other cash collateral held against derivatives ( 19604 ) ( 14435 ) na na ( a ) receivables from customers and other include $ 28.8 billion and $ 26.5 billion of margin loans at december 31 , 2014 and 2013 , respectively , to prime and retail brokerage customers ; these are classified in accrued interest and accounts receivable on the consolidated balance sheets .
( b ) includes unused advised lines of credit of $ 105.2 billion and $ 102.0 billion as of december 31 , 2014 and 2013 , respectively .
an advised line of credit is a revolving credit line which specifies the maximum amount the firm may make available to an obligor , on a nonbinding basis .
the borrower receives written or oral advice of this facility .
the firm may cancel this facility at any time by providing the borrower notice or , in some cases , without notice as permitted by law .
( c ) represents the net notional amount of protection purchased and sold through credit derivatives used to manage both performing and nonperforming wholesale credit exposures ; these derivatives do not qualify for hedge accounting under u.s .
gaap .
for additional information , see credit derivatives on page 127 , and note 6 .
( d ) excludes assets acquired in loan satisfactions. .

Question: Analyse this data from a financial earnings document. what was the percentage change in loans retained from 2013 to 2014?
Choices:
0.05004
1.05234
0.05268
-0.05268
0.04315
Correct choice index: 2