Segment Results The following discussion provides an overview of the results of our business segments and All Other for 2011 compared to 2010.
For additional information on these results, see Business Segment Operations on page 33.
## Table 0 ##
(1) Total revenue is net of interest expense and is on a FTE basis which is a non-GAAP financial measure.
For more information on this measure, see Supplemental Financial Data on page 32, and for a corresponding reconciliation to a GAAP financial measure, see Table XV.
Deposits net income decreased compared to the prior year due to a decline in revenue partially offset by lower noninterest expense.
The decline in revenue was primarily driven by a decline in service charges reflecting the impact of overdraft policy changes in conjunction with Regulation E that were fully implemented during the third quarter of 2010, partially offset by an increase in net interest income as a result of a customer shift to more liquid products and continued pricing discipline.
Noninterest expense decreased due to lower litigation and operating expenses partially offset by an increase in Federal Deposit Insurance Corporation (FDIC) expense.
Card Services net income increased compared to the prior year due primarily to a $10.4 billion non-cash, non-tax deductible goodwill impairment charge in 2010 and a decrease in the provision for credit losses.
The decrease in revenue was driven by lower average loan balances and yields.
Noninterest income decreased primarily due to the implementation of the Durbin Amendment, the absence of the gain on the sale of our MasterCard position in 2010 and the implementation of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act).
CRES net loss increased compared to the prior year primarily due to a decline in revenue and an increase in noninterest expense.
Revenue declined due to an increase in representations and warranties provision, lower core production income and a decrease in insurance income due to the sale of Balboa Insurance Company’s lender-placed insurance business (Balboa).
Noninterest expense increased due to higher litigation expense, increased mortgage-related assessments and waivers costs, higher default-related and other loss mitigation expenses and a higher non-cash, non-tax deductible goodwill impairment charge, partially offset by lower insurance and production expenses.
Global Commercial Banking net income increased compared to the prior year primarily due to an improvement in the provision for credit losses.
Revenue decreased primarily driven by lower net interest income related to asset and liability management (ALM) activities and lower average loan balances, partially offset by an increase in average deposits.
The decrease in the provision for credit losses was driven by improved economic conditions and an accelerated rate of loan resolutions in the commercial real estate portfolio.
GBAM net income decreased compared to the prior year driven by a decline in sales and trading revenue due to a challenging market environment, partially offset by DVA gains, net of hedges.
Provision for credit losses decreased driven by the positive impact of the economic environment on the credit portfolio in 2011.
Higher noninterest expense was driven primarily by increased costs related to investments in infrastructure.
Income tax expense included a charge related to the U. K.  corporate income tax rate changes enacted during the year to reduce the carrying value of the deferred tax assets.
GWIM net income increased compared to the prior year driven by higher net interest income, higher asset management fees and lower credit costs, partially offset by higher noninterest expense.
Revenue increased driven by higher asset management fees from higher market levels and long-term assets under management (AUM) flows as well as higher net interest income.
The provision for credit losses decreased driven by improving portfolio trends.
Noninterest expense increased due to higher volume-driven expenses and personnel costs associated with the continued investment in the business.
All Other net income increased compared to the prior year primarily due to higher noninterest income and lower merger and restructuring charges.
Noninterest income increased due to an increase in the positive fair value adjustments related to our own credit spreads on structured liabilities as well as the gain on the sale of CCB shares in 2011.
The provision for credit losses decreased primarily due to divestitures, improvements in delinquencies, collections and insolvencies in the non-U.
S.  credit card portfolio and continued run-off in the legacy Merrill Lynch & Co. , Inc.  (Merrill Lynch) commercial portfolio.
Financial Highlights Net Interest Income Net interest income on a FTE basis decreased $7.1 billion to $45.6 billion for 2011 compared to 2010.
The decline was primarily due to lower consumer loan balances and yields and decreased investment security yields, including the acceleration of purchase premium amortization from an increase in modeled prepayment expectations, and increased hedge ineffectiveness.
Lower tradingrelated net interest income also negatively impacted 2011 results.
Our consolidated net cash flows used for investing activities were $4.2 billion in 2010, compared with $3.2 billion in 2009.
Net investing activities for the indicated periods were related primarily to net purchases of fixed maturities and for 2010 included the acquisitions of Rain and Hail and Jerneh Insurance Berhad.
Our consolidated net cash flows from financing activities were $732 million in 2010, compared with net cash flows used for financing activities of $321 million in 2009.
Net cash flows from/used for financing activities in 2010 and 2009, included dividends paid on our Common Shares of $435 million and $388 million, respectively.
Net cash flows from financing activities in 2010, included net proceeds of $699 million from the issuance of long-term debt, $1 billion in reverse repurchase agreements, and $300 million in credit facility borrowings.
This was partially offset by repayment of $659 million in debt and share repurchases settled in 2010 of $235 million.
For 2009, net cash flows used for financing activities included net proceeds from the issuance of $500 million in long-term debt and the net repayment of debt and reverse repurchase agreements of $466 million.
Both internal and external forces influence our financial condition, results of operations, and cash flows.
Claim settlements, premium levels, and investment returns may be impacted by changing rates of inflation and other economic conditions.
In many cases, significant periods of time, ranging up to several years or more, may lapse between the occurrence of an insured loss, the reporting of the loss to us, and the settlement of the liability for that loss.
From time to time, we utilize reverse repurchase agreements as a low-cost alternative for short-term funding needs.
We use these instruments on a limited basis to address short-term cash timing differences without disrupting our investment portfolio holdings and settle the transactions with future operating cash flows.
At December 31, 2010, there were $1 billion in reverse repurchase agreements outstanding (refer to Short-term Debt).
In addition to cash from operations, routine sales of investments, and financing arrangements, we have agreements with a bank provider which implemented two international multi-currency notional cash pooling programs to enhance cash management efficiency during periods of short-term timing mismatches between expected inflows and outflows of cash by currency.
In each program, participating ACE entities establish deposit accounts in different currencies with the bank provider and each day the credit or debit balances in every account are notionally translated into a single currency (U. S.  dollars) and then notionally pooled.
The bank extends overdraft credit to any participating ACE entity as needed, provided that the overall notionally-pooled balance of all accounts in each pool at the end of each day is at least zero.
Actual cash balances are not physically converted and are not co-mingled between legal entities.
ACE entities may incur overdraft balances as a means to address short-term timing mismatches, and any overdraft balances incurred under this program by an ACE entity would be guaranteed by ACE Limited (up to $150 million in the aggregate).
Our revolving credit facility allows for same day drawings to fund a net pool overdraft should participating ACE entities withdraw contributed funds from the pool.
Capital Resources Capital resources consist of funds deployed or available to be deployed to support our business operations.
The following table summarizes the components of our capital resources at December 31, 2010, and 2009.
## Table 1 ##
Our ratios of debt to total capitalization and debt plus trust preferred securities to total capitalization have increased temporarily due to the increase in short-term debt, as discussed below.
We expect that these ratios will decline over the next six to nine months as we repay the short-term debt.
We believe our financial strength provides us with the flexibility and capacity to obtain available funds externally through debt or equity financing on both a short-term and long-term basis.
Our ability to access the capital markets is dependent on, among other things, market conditions and our perceived financial strength.
We have accessed both the debt and equity markets from time to time.
THE HERSHEY COMPANY NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) (amounts in thousands, except share data or if otherwise indicated) 82 (a) This category comprises equity funds that track the Russell 3000 index.
(b) This category comprises equity funds that track the S&P 500 and/or Russell 1000 indices.
(c) This category comprises equity funds that track the MSCI World Ex-US index.
(d) This category comprises equity funds that track the MSCI World index and/or MSCI All Country World Index.
(e) This category comprises fixed income funds primarily invested in investment grade bonds.
(f) This category comprises fixed income funds primarily invested in high quality mortgage-backed securities and other asset-backed obligations.
(g) This category comprises fixed income funds invested in Canadian and other international bonds.
The fair value of the Level 1 assets was based on quoted prices in active markets for the identical assets.
The fair value of the Level 2 assets was determined by management based on an assessment of valuations provided by asset management entities and was calculated by aggregating market prices for all underlying securities.
Investment objectives for our domestic plan assets are: To ensure high correlation between the value of plan assets and liabilities; To maintain careful control of the risk level within each asset class; and To focus on a long-term return objective.
We believe that there are no significant concentrations of risk within our plan assets as of December 31, 2015.
We comply with the rules and regulations promulgated under the Employee Retirement Income Security Act of 1974 (“ERISA”) and we prohibit investments and investment strategies not allowed by ERISA.
We do not permit direct purchases of our Company’s securities or the use of derivatives for the purpose of speculation.
We invest the assets of non-domestic plans in compliance with laws and regulations applicable to those plans.
Cash Flows Our policy is to fund domestic pension liabilities in accordance with the limits imposed by the ERISA, federal income tax laws and the funding requirements of the Pension Protection Act of 2006.
We fund non-domestic pension liabilities in accordance with laws and regulations applicable to those plans.
We made total contributions to the pension plans of $32,898 during 2015, including contributions of $22,900 to maintain the funded status of our domestic plans.
In 2014, we made total contributions of $29,409 to the pension plans.
For 2016, minimum funding requirements for our pension plans are approximately $800 and we expect to make additional contributions of approximately $18,500 to maintain the funded status of our domestic plans.
Total benefit payments expected to be paid to plan participants, including pension benefits funded from the plans and other benefits funded from Company assets, are as follows:
## Table 2 ##
The pension benefit payments expected for 2016 include additional lump sum withdrawals related to the 2015 Productivity Initiative (see Note 8).
Multiemployer Pension Plan With the acquisition of Brookside Foods Ltd.  in January 2012, we began participation in the BCTGM Union and Industry Canadian Pension Plan, a trustee-managed multiemployer defined benefit pension plan.
We currently have approximately 140 employees participating in the plan and contributions were not significant in 2015, 2014 or 2013.
Our obligation during the term of the collective bargaining agreement is limited to remitting the required contributions to the plan.

<table><tr><td>Table 3</td><td colspan="4">Business Segment Results</td></tr><tr><td></td><td colspan="2">Total Revenue<sup>-1</sup></td><td colspan="2">Net Income (Loss)</td></tr><tr><td>(Dollars in millions)</td><td>2011</td><td>2010</td><td>2011</td><td>2010</td></tr><tr><td>Deposits</td><td>$12,689</td><td>$13,562</td><td>$1,192</td><td>$1,362</td></tr><tr><td>Card Services</td><td>18,143</td><td>22,340</td><td>5,788</td><td>-6,980</td></tr><tr><td>Consumer Real Estate Services</td><td>-3,154</td><td>10,329</td><td>-19,529</td><td>-8,947</td></tr><tr><td>Global Commercial Banking</td><td>10,553</td><td>11,226</td><td>4,402</td><td>3,218</td></tr><tr><td>Global Banking & Markets</td><td>23,618</td><td>27,949</td><td>2,967</td><td>6,297</td></tr><tr><td>Global Wealth & Investment Management</td><td>17,376</td><td>16,289</td><td>1,635</td><td>1,340</td></tr><tr><td>All Other</td><td>15,201</td><td>9,695</td><td>4,991</td><td>1,472</td></tr><tr><td>Total FTE basis</td><td>94,426</td><td>111,390</td><td>1,446</td><td>-2,238</td></tr><tr><td>FTE adjustment</td><td>-972</td><td>-1,170</td><td>—</td><td>—</td></tr><tr><td>Total Consolidated</td><td>$93,454</td><td>$110,220</td><td>$1,446</td><td>$-2,238</td></tr></table>
<table><tr><td>(in millions of U.S. dollars, except for percentages)</td><td>2010</td><td>2009</td></tr><tr><td>Short-term debt</td><td>$1,300</td><td>$161</td></tr><tr><td>Long-term debt</td><td>3,358</td><td>3,158</td></tr><tr><td>Total debt</td><td>4,658</td><td>3,319</td></tr><tr><td>Trust preferred securities</td><td>309</td><td>309</td></tr><tr><td>Total shareholders’ equity</td><td>22,974</td><td>19,667</td></tr><tr><td>Total capitalization</td><td>$27,941</td><td>$23,295</td></tr><tr><td>Ratio of debt to total capitalization</td><td>16.7%</td><td>14.2%</td></tr><tr><td>Ratio of debt plus trust preferred securities to total capitalization</td><td>17.8%</td><td>15.6%</td></tr></table>
<table><tr><td></td><td colspan="6">Expected Benefit Payments</td></tr><tr><td></td><td>2016</td><td>2017</td><td>2018</td><td>2019</td><td>2020</td><td>2021-2025</td></tr><tr><td>Pension Benefits</td><td>$178,748</td><td>$93,577</td><td>$72,676</td><td>$76,944</td><td>$82,176</td><td>$447,262</td></tr><tr><td>Other Benefits</td><td>24,233</td><td>22,478</td><td>20,574</td><td>18,979</td><td>17,790</td><td>76,248</td></tr></table>

Question: In which year is Global Commercial Banking in Total Revenue positive?