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 . <table class='wikitable'><tr><td>1</td><td>for the year ended december 31 ( in millions )</td><td>for the year ended december 31 commercial</td><td>for the year ended december 31 consumer</td><td>for the year ended december 31 residual</td><td>for the year ended december 31 total</td><td>for the year ended december 31 commercial</td><td>for the year ended december 31 consumer</td><td>residual</td><td>total</td></tr><tr><td>2</td><td>provision for loan losses</td><td>$ -30 ( 30 )</td><td>$ 1491</td><td>$ 118</td><td>$ 1579</td><td>$ 2371</td><td>$ 1589</td><td>$ 79</td><td>$ 4039</td></tr><tr><td>3</td><td>provision for lending-related commitments</td><td>-47 ( 47 )</td><td>2014</td><td>8</td><td>-39 ( 39 )</td><td>309</td><td>2014</td><td>-17 ( 17 )</td><td>292</td></tr><tr><td>4</td><td>securitized credit losses</td><td>2014</td><td>1870</td><td>2014</td><td>1870</td><td>2014</td><td>1439</td><td>2014</td><td>1439</td></tr><tr><td>5</td><td>total managed credit costs</td><td>$ -77 ( 77 )</td><td>$ 3361</td><td>$ 126</td><td>$ 3410</td><td>$ 2680</td><td>$ 3028</td><td>$ 62</td><td>$ 5770</td></tr></table> .
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?
Answer: 96.0
Question: and what is the numerical representation of that percentage?

0.96