Investment Strategy The Company’s global pension and postretirement funds’ investment strategy is to invest in a prudent manner for the exclusive purpose of providing benefits to participants.
The investment strategies are targeted to produce a total return that, when combined with the Company’s contributions to the funds, will maintain the funds’ ability to meet all required benefit obligations.
Risk is controlled through diversification of asset types and investments in domestic and international equities, fixed income securities and cash and short-term investments.
The target asset allocation in most locations outside the U. S.  is primarily in equity and debt securities.
These allocations may vary by geographic region and country depending on the nature of applicable obligations and various other regional considerations.
The wide variation in the actual range of plan asset allocations for the funded non-U.
S.  plans is a result of differing local statutory requirements and economic conditions.
For example, in certain countries local law requires that all pension plan assets must be invested in fixed income investments, government funds or local-country securities.
Significant Concentrations of Risk in Plan Assets The assets of the Company’s pension plans are diversified to limit the impact of any individual investment.
The U. S.  qualified pension plan is diversified across multiple asset classes, with publicly traded fixed income, hedge funds, publicly traded equity and real estate representing the most significant asset allocations.
Investments in these four asset classes are further diversified across funds, managers, strategies, vintages, sectors and geographies, depending on the specific characteristics of each asset class.
The pension assets for the Company’s non-U.
S.  Significant Plans are primarily invested in publicly traded fixed income and publicly traded equity securities.
Oversight and Risk Management Practices The framework for the Company’s pension oversight process includes monitoring of retirement plans by plan fiduciaries and/or management at the global, regional or country level, as appropriate.
Independent Risk Management contributes to the risk oversight and monitoring for the Company’s U. S.  qualified pension plan and non-U.
S.  Significant Pension Plans.
Although the specific components of the oversight process are tailored to the requirements of each region, country and plan, the following elements are common to the Company’s monitoring and risk management process: ?
periodic asset/liability management studies and strategic asset allocation reviews; ?
periodic monitoring of funding levels and funding ratios; ?
periodic monitoring of compliance with asset allocation guidelines; ?
periodic monitoring of asset class and/or investment manager performance against benchmarks; and ?
periodic risk capital analysis and stress testing.
Estimated Future Benefit Payments The Company expects to pay the following estimated benefit payments in future years:
## Table 0 ##
锘緼SIA GCB Asia GCB provides traditional retail banking, including commercial banking, and its Citi-branded card products to retail customers and small to mid-size businesses, as applicable.
During 2018, Asia GCB鈥檚 most significant revenues were from Singapore, Hong Kong, Korea, India, Australia, Taiwan, Thailand, Philippines, Indonesia and Malaysia.
Asia GCB also includes traditional retail banking and Citi-branded card products that are provided to retail customers in certain EMEA countries, primarily in Poland, Russia and the United Arab Emirates.
At December 31, 2018, on a combined basis, the businesses had 258 retail branches, approximately 16.0聽million retail banking customer accounts, $69.2聽billion in retail banking loans and $99.2 billion in deposits.
In addition, the businesses had approximately 15.3聽million Citi-branded card accounts with $19.3 billion in outstanding loan balances.
## Table 1 ##
Balance Sheet data and ratios (in billions of dollars)
## Table 2 ##
(1)Asia GCB includes the results of operations of GCB activities in certain EMEA countries for all periods presented.
(2)Reflects the impact of FX translation into U. S.  dollars at the 2018 average exchange rates for all periods presented.
(3)Presentation of this metric excluding FX translation is a non-GAAP financial measure.
Other Components of Net Income The following table summarizes the other major components of our income for the year ended December 31 for each respective period (in millions):

<table><tr><td></td><td>Pension plans</td><td>Postretirement benefit plans</td></tr><tr><td>In millions of dollars</td><td>U.S. plans</td><td>Non-U.S. plans</td><td>U.S. plans</td><td>Non-U.S. plans</td></tr><tr><td>2019</td><td>$797</td><td>$435</td><td>$62</td><td>$70</td></tr><tr><td>2020</td><td>828</td><td>417</td><td>62</td><td>75</td></tr><tr><td>2021</td><td>847</td><td>426</td><td>61</td><td>80</td></tr><tr><td>2022</td><td>857</td><td>448</td><td>59</td><td>86</td></tr><tr><td>2023</td><td>873</td><td>471</td><td>57</td><td>92</td></tr><tr><td>2024–2028</td><td>4,365</td><td>2,557</td><td>252</td><td>547</td></tr></table>
<table><tr><td>In millions of dollars, except as otherwise noted<sup>-1</sup></td><td>2018</td><td>2017</td><td>2016</td><td>% Change2018 vs. 2017</td><td>% Change2017 vs. 2016</td></tr><tr><td>Net interest revenue</td><td>$4,904</td><td>$4,702</td><td>$4,495</td><td>4%</td><td>5%</td></tr><tr><td>Non-interest revenue</td><td>2,569</td><td>2,644</td><td>2,394</td><td>-3</td><td>10</td></tr><tr><td>Total revenues, net of interest expense</td><td>$7,473</td><td>$7,346</td><td>$6,889</td><td>2%</td><td>7%</td></tr><tr><td>Total operating expenses</td><td>$4,803</td><td>$4,799</td><td>$4,675</td><td>—%</td><td>3%</td></tr><tr><td>Net credit losses</td><td>$670</td><td>$649</td><td>$651</td><td>3%</td><td>—%</td></tr><tr><td>Credit reserve build (release)</td><td>42</td><td>-29</td><td>-28</td><td>NM</td><td>-4</td></tr><tr><td>Provision (release) for unfunded lending commitments</td><td>—</td><td>-5</td><td>-4</td><td>100</td><td>-25</td></tr><tr><td>Provisions for credit losses</td><td>$712</td><td>$615</td><td>$619</td><td>16%</td><td>-1%</td></tr><tr><td>Income from continuing operations before taxes</td><td>$1,958</td><td>$1,932</td><td>$1,595</td><td>1%</td><td>21%</td></tr><tr><td>Income taxes</td><td>464</td><td>654</td><td>536</td><td>-29</td><td>22</td></tr><tr><td>Income from continuing operations</td><td>$1,494</td><td>$1,278</td><td>$1,059</td><td>17%</td><td>21%</td></tr><tr><td>Noncontrolling interests</td><td>7</td><td>5</td><td>4</td><td>40</td><td>25</td></tr><tr><td>Net income</td><td>$1,487</td><td>$1,273</td><td>$1,055</td><td>17%</td><td>21%</td></tr><tr><td>Balance Sheet data and ratios(in billions of dollars)</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Average assets</td><td>$131</td><td>$124</td><td>$119</td><td>6%</td><td>4%</td></tr><tr><td>Return on average assets</td><td>1.14%</td><td>1.03%</td><td>0.89%</td><td></td><td></td></tr><tr><td>Efficiency ratio</td><td>64</td><td>65</td><td>68</td><td></td><td></td></tr><tr><td>Average deposits</td><td>$98.0</td><td>$94.6</td><td>$89.5</td><td>4</td><td>6</td></tr><tr><td>Net credit losses as a percentage of average loans</td><td>0.76%</td><td>0.76%</td><td>0.77%</td><td></td><td></td></tr><tr><td>Revenue by business</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Retail banking</td><td>$4,555</td><td>$4,465</td><td>$4,270</td><td>2%</td><td>5%</td></tr><tr><td>Citi-branded cards</td><td>2,918</td><td>2,881</td><td>2,619</td><td>1</td><td>10</td></tr><tr><td>Total</td><td>$7,473</td><td>$7,346</td><td>$6,889</td><td>2%</td><td>7%</td></tr><tr><td>Income from continuing operations by business</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Retail banking</td><td>$1,017</td><td>$818</td><td>$652</td><td>24%</td><td>25%</td></tr><tr><td>Citi-branded cards</td><td>477</td><td>460</td><td>407</td><td>4</td><td>13</td></tr><tr><td>Total</td><td>$1,494</td><td>$1,278</td><td>$1,059</td><td>17%</td><td>21%</td></tr></table>
<table><tr><td>Total revenues—as reported</td><td>$7,473</td><td>$7,346</td><td>$6,889</td><td>2%</td><td>7%</td></tr><tr><td>Impact of FX translation<sup>-2</sup></td><td>—</td><td>-27</td><td>91</td><td></td><td></td></tr><tr><td>Total revenues—ex-FX<sup>-3</sup></td><td>$7,473</td><td>$7,319</td><td>$6,980</td><td>2%</td><td>5%</td></tr><tr><td>Total operating expenses—as reported</td><td>$4,803</td><td>$4,799</td><td>$4,675</td><td>—%</td><td>3%</td></tr><tr><td>Impact of FX translation<sup>-2</sup></td><td>—</td><td>-4</td><td>73</td><td></td><td></td></tr><tr><td>Total operating expenses—ex-FX<sup>-3</sup></td><td>$4,803</td><td>$4,795</td><td>$4,748</td><td>—%</td><td>1%</td></tr><tr><td>Provisions for credit losses—as reported</td><td>$712</td><td>$615</td><td>$619</td><td>16%</td><td>-1%</td></tr><tr><td>Impact of FX translation<sup>-2</sup></td><td>—</td><td>-5</td><td>3</td><td></td><td></td></tr><tr><td>Provisions for credit losses—ex-FX<sup>-3</sup></td><td>$712</td><td>$610</td><td>$622</td><td>17%</td><td>-2%</td></tr><tr><td>Net income—as reported</td><td>$1,487</td><td>$1,273</td><td>$1,055</td><td>17%</td><td>21%</td></tr><tr><td>Impact of FX translation<sup>-2</sup></td><td>—</td><td>-9</td><td>11</td><td></td><td></td></tr><tr><td>Net income—ex-FX<sup>-3</sup></td><td>$1,487</td><td>$1,264</td><td>$1,066</td><td>18%</td><td>19%</td></tr></table>

Question: What is the growing rate of Income from continuing operations before taxes in the year with the most Provisions for credit losses?
Answer: 0.01328