Is it normal that I have a small waist and a noticeably bigger lower belly bulge?

My natural waist is 31,5 inches or 80 cm and below the belly button it's 37 inches or 94 cm. Before I lost weight and after, it's always like that. Is that normal? Is it possible that I have some kind of stomach problem, an allergy or bloating or hormonal imbalance?
Is it normal that I have a small waist and a noticeably bigger lower belly bulge?
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