what was the percentage change in loans retained from 2014 to 2015?
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 ) .

| December 31, | Credit exposure | Nonperforming<sup>(c)</sup> |
| :--- | :--- | :--- |
| (in millions) | 2015 | 2014 | 2015 | 2014 |
| Loans retained | $357,050 | $324,502 | $988 | $599 |
| Loans held-for-sale | 1,104 | 3,801 | 3 | 4 |
| Loans at fair value | 2,861 | 2,611 | 25 | 21 |
| Loans – reported | 361,015 | 330,914 | 1,016 | 624 |
| Derivative receivables | 59,677 | 78,975 | 204 | 275 |
| Receivables from customers and other<sup>(a)</sup> | 13,372 | 28,972 | — | — |
| Total wholesale credit-related assets | 434,064 | 438,861 | 1,220 | 899 |
| Lending-related commitments | 366,399 | 366,881 | 193 | 103 |
| Total wholesale credit exposure | $800,463 | $805,742 | $1,413 | $1,002 |
| Credit derivatives usedin credit portfolio management activities<sup>(b)</sup> | $(20,681) | $(26,703) | $(9) | $— |
| Liquid securities and other cash collateral held against derivatives | (16,580) | (19,604) | NA | NA |

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. .

loans_retained_2015 = 357050
loans_held_for_sale_2015 = 1104
loans_at_fair_value_2015 = 2861
loans_reported_2015 = 361015
loans_retained_2014 = 324502
loans_held_for_sale_2014 = 3801
loans_at_fair_value_2014 = 2611
loans_reported_2014 = 330914
loans_retained_change = loans_retained_2015 - loans_retained_2014
loans_held_for_sale_change = loans_held_for_sale_2015 - loans_held_for_sale_2014
loans_at_fair_value_change = loans_at_fair_value_2015 - loans_at_fair_value_2014
loans_reported_change = loans_reported_2015 - loans_reported_2014
answer = loans_retained_change / loans_retained_2014 * 100