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.


management 2019s discussion and analysis 122 jpmorgan chase & co./2015 annual report wholesale credit portfolio the firm 2019s wholesale businesses are exposed to credit risk through underwriting , lending , market-making , and hedging 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 portfolio , excluding oil & gas , continued to be generally stable throughout 2015 , characterized by low levels of criticized exposure , nonaccrual loans and charge-offs . growth in loans retained was driven by increased client activity , notably in commercial real estate . discipline in underwriting across all areas of lending continues to remain a key point of focus . 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 . wholesale credit portfolio december 31 , credit exposure nonperforming ( c ) . <table class='wikitable'><tr><td>1</td><td>december 31 , ( in millions )</td><td>december 31 , 2015</td><td>december 31 , 2014</td><td>2015</td><td>2014</td></tr><tr><td>2</td><td>loans retained</td><td>$ 357050</td><td>$ 324502</td><td>$ 988</td><td>$ 599</td></tr><tr><td>3</td><td>loans held-for-sale</td><td>1104</td><td>3801</td><td>3</td><td>4</td></tr><tr><td>4</td><td>loans at fair value</td><td>2861</td><td>2611</td><td>25</td><td>21</td></tr><tr><td>5</td><td>loans 2013 reported</td><td>361015</td><td>330914</td><td>1016</td><td>624</td></tr><tr><td>6</td><td>derivative receivables</td><td>59677</td><td>78975</td><td>204</td><td>275</td></tr><tr><td>7</td><td>receivables from customers and other ( a )</td><td>13372</td><td>28972</td><td>2014</td><td>2014</td></tr><tr><td>8</td><td>total wholesale credit-related assets</td><td>434064</td><td>438861</td><td>1220</td><td>899</td></tr><tr><td>9</td><td>lending-related commitments</td><td>366399</td><td>366881</td><td>193</td><td>103</td></tr><tr><td>10</td><td>total wholesale credit exposure</td><td>$ 800463</td><td>$ 805742</td><td>$ 1413</td><td>$ 1002</td></tr><tr><td>11</td><td>credit derivatives usedin credit portfolio management activities ( b )</td><td>$ -20681 ( 20681 )</td><td>$ -26703 ( 26703 )</td><td>$ -9 ( 9 )</td><td>$ 2014</td></tr><tr><td>12</td><td>liquid securities and other cash collateral held against derivatives</td><td>-16580 ( 16580 )</td><td>-19604 ( 19604 )</td><td>na</td><td>na</td></tr></table> receivables from customers and other ( a ) 13372 28972 2014 2014 total wholesale credit- related assets 434064 438861 1220 899 lending-related commitments 366399 366881 193 103 total wholesale credit exposure $ 800463 $ 805742 $ 1413 $ 1002 credit derivatives used in credit portfolio management activities ( b ) $ ( 20681 ) $ ( 26703 ) $ ( 9 ) $ 2014 liquid securities and other cash collateral held against derivatives ( 16580 ) ( 19604 ) na na ( a ) receivables from customers and other include $ 13.3 billion and $ 28.8 billion of margin loans at december 31 , 2015 and 2014 , respectively , to prime and retail brokerage customers ; these are classified in accrued interest and accounts receivable on the consolidated balance sheets . ( b ) 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 129 , and note 6 . ( c ) excludes assets acquired in loan satisfactions. .
Question: what is the balance of loans retained as of december 31, 2015?
Answer: 357050.0
Question: what about 2014?

324502.0