Citigroup has nearly $20 billion in home equity lines of credit, and it is preparing for the worst due to “resets” when borrowers must start paying back the home equity loans.

“That is the single largest risk that impacts the home equity book in Citi Holdings,” according to Citigroup chief financial officer John Gerspach. “It is something that we think about and drives a lot of thought on the level of reserves we need to have."

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