Table of Contents ADOBE SYSTEMS INCORPORATED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued) repurchase agreement, $225.0 million remains under our time-constrained dollar-based authority.
See Note 21 for further discussion of our stock repurchase program.
NOTE 15.
NET INCOME PER SHARE Basic net income per share is computed using the weighted average number of common shares outstanding for the period, excluding unvested restricted stock.
Diluted net income per share is based upon the weighted average common shares outstanding for the period plus dilutive potential common shares, including unvested restricted stock and stock options using the treasury stock method.
The following table sets forth the computation of basic and diluted net income per share for fiscal 2011, 2010 and 2009 (in thousands, except per share data):
## Table 0 ##
For fiscal 2011, 2010 and 2009, options to purchase approximately 27.1 million, 22.4 million and 27.0 million shares, respectively, of common stock with exercise prices greater than the annual average fair market value of our stock of $30.27, $31.82 and $27.30, respectively, were not included in the calculation because the effect would have been anti-dilutive.
NOTE 16.
COMMITMENTS AND CONTINGENCIES Lease Commitments We lease certain of our facilities and some of our equipment under non-cancellable operating lease arrangements that expire at various dates through 2028.
We also have one land lease that expires in 2091.
Rent expense includes base contractual rent and variable costs such as building expenses, utilities, taxes, insurance and equipment rental.
Rent expense and sublease income for these leases for fiscal 2009 through fiscal 2011 were as follows (in thousands):
## Table 1 ##
We occupy three office buildings in San Jose, California where our corporate headquarters are located.
We reference these office buildings as the Almaden Tower and the East and West Towers.
In August 2004, we extended the lease agreement for our East and West Towers for an additional five years with an option to extend for an additional five years solely at our election.
In March 2007, the Almaden Tower lease was extended for five years, with a renewal option for an additional five years solely at our election.
As part of the lease extensions, we purchased the lease receivable from the lessor of the East and West Towers for $126.8 million and a portion of the lease receivable from the lessor of the Almaden Tower for $80.4 million, both of which are recorded as investments in lease receivables on our Consolidated Balance Sheets.
In June 2009, we submitted notice to the lessor that we intended to exercise our option to renew this agreement for an additional five years effective August 2009.
As stated in the original lease agreement, in conjunction with the lease renewal, we were required to obtain a standby letter of credit for approximately $16.5 million which enabled us to secure a lower interest rate and reduce the number of covenants.
As defined in the lease agreement, the standby letter of credit primarily represents the
CITIZENS FINANCIAL GROUP, INC.  MANAGEMENT'S DISCUSSION AND ANALYSIS 76 Net Income (Loss) Net income totaled $865 million in 2014, and included $75 million of after-tax net restructuring charges and special items related to our separation from RBS Group, efforts to improve processes and enhance efficiencies across the organization, and the Chicago Divestiture.
These results increased $4.3 billion from 2013, which included a $4.1 billion after-tax goodwill impairment charge.
Excluding the gain, restructuring charges and special items and impairment charge noted above, 2014 net income increased $119 million, or 18%, from 2013, as the benefit of lower provision for credit losses and higher net interest income was partially offset by the effect of lower noninterest income and increased noninterest expense.
The special items and restructuring charges in 2014 included a $288 million pre-tax gain ($180 million after tax) on the sale of the Chicago-area deposits, $17 million of pre-tax expenses ($11 million after tax) related to the Chicago Divestiture, $97 million of pre-tax expenses ($61 million after tax), related to our efficiency initiatives, $20 million of pre-tax expenses ($11 million after tax) related to our separation from RBS, and $35 million of other pre-tax expenses ($22 million after tax) related to regulatory initiatives.
The restructuring charges in 2013 related to our implementation of a new branch image capture system on the teller line which automated several key processes within the branch network, and our decision to close certain branches, which resulted in lease termination costs and other fixed asset write-offs.
The following table details the significant components of our net income (loss) for the periods indicated:
## Table 2 ##
(1) These are non-GAAP financial measures.
For more information on the computation of this non-GAAP financial measure, see “—Principal Components of Operations and Key Performance Metrics Used By Management — Key Performance Metrics and Non-GAAP Financial Measures.
”
Interest expense, net.
Net interest expense decreased by $211 million in 2010 from 2009 and $817 million in 2009 from 2008.
Net interest expense decreased in 2010 compared to 2009 primarily as a result of a decrease in average debt outstanding as a result of the completion of our reorganization under Chapter 11 of the Bankruptcy Code and the related reduction of $8 billion principal amount of debt.
Because we filed for Chapter 11 bankruptcy on March 27, 2009, we no longer accrued interest on debt subject to compromise effective March 27, 2009, except on CCH II debt, as we intended to pay the interest under the Plan.
As such, interest expense for 2009 decreased as compared to 2008.
The amount of contractual interest expense not recorded for the year ended December 31, 2009 was approximately $558 million.
Gain due to Plan effects.
Gain due to Plan effects represents the net gains recorded as a result of implementing the Plan including the impact of eliminating $8 billion in debt.
For more information, see Note 23 to the accompanying condensed consolidated financial statements contained in “Item 8.
Financial Statements and Supplementary Data.
” Gain due to fresh start accounting adjustments.
Upon our emergence from bankruptcy, the Company applied fresh start accounting.
Gain due to fresh start accounting adjustments represents the net gains recognized as a result of adjusting all assets and liabilities to fair value.
For more information, see Note 23 to the accompanying condensed consolidated financial statements contained in “Item 8.
Financial Statements and Supplementary Data.
” Reorganizations items, net.
Reorganization items, net of $6 million and $647 million for the years ended December 31, 2010 and 2009, respectively, represent items of income, expense, gain or loss that we realized or incurred related to our reorganization under Chapter 11 of the Bankruptcy Code.
For more information, see Note 23 to the accompanying condensed consolidated financial statements contained in “Item 8.
Financial Statements and Supplementary Data.
” Gain (loss) on extinguishment of debt.
Gain (loss) on extinguishment of debt consists of the following for the years ended December 31, 2010, 2009 and 2008 (dollars in millions):
## Table 3 ##
For more information, see Notes 7 and 15 to the accompanying consolidated financial statements contained in “Item 8.
Financial Statements and Supplementary Data.
” Change in value of derivatives.
Interest rate swaps are held to manage our interest costs and reduce our exposure to increases in floating interest rates.
We expense the change in fair value of derivatives that do not qualify for hedge accounting and cash flow hedge ineffectiveness on interest rate swap agreements.
Upon filing for Chapter 11 bankruptcy, the counterparties to the interest rate swap agreements terminated the underlying contracts and, upon emergence from bankruptcy, received payment for the market value of the interest rate swap agreement as measured on the date the counterparties terminated.
Additionally, certain provisions of our 5.875% and 6.50% convertible senior notes issued in November 2004 and October 2007, respectively, were considered embedded derivatives for accounting purposes and were required to be accounted for separately from the convertible senior notes and marked to fair value at the end of each reporting period.
On the Effective Date, the convertible debt was cancelled.
Change in value of derivatives consists of the following for the years ended December 31, 2010, 2009 and 2008 (dollars in millions):
## Table 4 ##
At December 31, 2012 and 2011, we had a working capital surplus.
This reflects a strong cash position, which provides enhanced liquidity in an uncertain economic environment.
In addition, we believe we have adequate access to capital markets to meet any foreseeable cash requirements, and we have sufficient financial capacity to satisfy our current liabilities.
## Table 5 ##
Operating Activities Higher net income in 2012 increased cash provided by operating activities compared to 2011, partially offset by lower tax benefits from bonus depreciation (as explained below) and payments for past wages based on national labor negotiations settled earlier this year.
Higher net income and lower cash income tax payments in 2011 increased cash provided by operating activities compared to 2010.
The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 provided for 100% bonus depreciation for qualified investments made during 2011, and 50% bonus depreciation for qualified investments made during 2012.
As a result of the Act, the Company deferred a substantial portion of its 2011 income tax expense.
This deferral decreased 2011 income tax payments, thereby contributing to the positive operating cash flow.
In future years, however, additional cash will be used to pay income taxes that were previously deferred.
In addition, the adoption of a new accounting standard in January of 2010 changed the accounting treatment for our receivables securitization facility from a sale of undivided interests (recorded as an operating activity) to a secured borrowing (recorded as a financing activity), which decreased cash provided by operating activities by $400 million in 2010.
Investing Activities Higher capital investments in 2012 drove the increase in cash used in investing activities compared to 2011.
Included in capital investments in 2012 was $75 million for the early buyout of 165 locomotives under long-term operating and capital leases during the first quarter of 2012, which we exercised due to favorable economic terms and market conditions.
Higher capital investments partially offset by higher proceeds from asset sales in 2011 drove the increase in cash used in investing activities compared to 2010.

<table><tr><td></td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Net income</td><td>$832,847</td><td>$774,680</td><td>$386,508</td></tr><tr><td>Shares used to compute basic net income per share</td><td>497,469</td><td>519,045</td><td>524,470</td></tr><tr><td>Dilutive potential common shares:</td><td></td><td></td><td></td></tr><tr><td>Unvested restricted stock and performance share awards</td><td>4,214</td><td>3,170</td><td>2,130</td></tr><tr><td>Stock options</td><td>2,238</td><td>3,609</td><td>4,010</td></tr><tr><td>Shares used to compute diluted net income per share</td><td>503,921</td><td>525,824</td><td>530,610</td></tr><tr><td>Basic net income per share</td><td>$1.67</td><td>$1.49</td><td>$0.74</td></tr><tr><td>Diluted net income per share</td><td>$1.65</td><td>$1.47</td><td>$0.73</td></tr></table>
<table><tr><td></td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Rent expense</td><td>$111,574</td><td>$109,114</td><td>$93,921</td></tr><tr><td>Less: sublease income</td><td>3,211</td><td>3,929</td><td>5,563</td></tr><tr><td>Net rent expense</td><td>$108,363</td><td>$105,185</td><td>$88,358</td></tr></table>
<table><tr><td></td><td colspan="2">Year Ended December 31,</td><td></td><td></td></tr><tr><td>(dollars in millions)</td><td>2014</td><td>2013</td><td>Change</td><td>Percent</td></tr><tr><td>Operating Data:</td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income</td><td>$3,301</td><td>$3,058</td><td>$243</td><td>8%</td></tr><tr><td>Noninterest income</td><td>1,678</td><td>1,632</td><td>46</td><td>3</td></tr><tr><td>Total revenue</td><td>4,979</td><td>4,690</td><td>289</td><td>6</td></tr><tr><td>Provision for credit losses</td><td>319</td><td>479</td><td>-160</td><td>-33</td></tr><tr><td>Noninterest expense</td><td>3,392</td><td>7,679</td><td>-4,287</td><td>-56</td></tr><tr><td>Noninterest expense, excluding goodwill impairment<sup>-1</sup></td><td>3,392</td><td>3,244</td><td>148</td><td>5</td></tr><tr><td>Noninterest expense, excluding goodwill impairment, restructuring charges and special items<sup>-1</sup></td><td>3,223</td><td>3,218</td><td>5</td><td>—</td></tr><tr><td>Income (loss) before income tax expense (benefit)</td><td>1,268</td><td>-3,468</td><td>4,736</td><td>137</td></tr><tr><td>Income tax expense (benefit)</td><td>403</td><td>-42</td><td>445</td><td>1,060</td></tr><tr><td>Net income (loss)</td><td>865</td><td>-3,426</td><td>4,291</td><td>125</td></tr><tr><td>Net income, excluding goodwill impairment<sup>-1</sup></td><td>865</td><td>654</td><td>211</td><td>32</td></tr><tr><td>Net income, excluding goodwill impairment, restructuring charges and special items<sup>-1</sup></td><td>790</td><td>671</td><td>119</td><td>18</td></tr><tr><td>Return on average tangible common equity<sup>-1</sup></td><td>6.71%</td><td>-25.91%</td><td>NM</td><td>—</td></tr><tr><td>Return on average tangible common equity, excluding goodwill impairment<sup>-1</sup></td><td>6.71%</td><td>4.95%</td><td>176bps</td><td>—</td></tr><tr><td>Return on average tangible common equity, excluding goodwill impairment, restructuring charges and special items<sup>-1</sup></td><td>6.13%</td><td>5.08%</td><td>105bps</td><td>—</td></tr></table>
<table><tr><td></td><td>Successor 2010</td><td>Combined 2009</td><td>Predecessor 2008</td></tr><tr><td>Interest rate swaps</td><td>$--</td><td>$-4</td><td>$-62</td></tr><tr><td>Embedded derivatives from convertible senior notes</td><td>--</td><td>--</td><td>33</td></tr><tr><td></td><td>$--</td><td>$-4</td><td>$-29</td></tr></table>
<table><tr><td></td><td>Successor 2010</td><td>Combined 2009</td><td>Predecessor 2008</td></tr><tr><td>Charter Holdings debt notes repurchases / exchanges</td><td>$--</td><td>$--</td><td>$3</td></tr><tr><td>Charter convertible note repurchases / exchanges</td><td>--</td><td>--</td><td>5</td></tr><tr><td>CCH II tender offer</td><td>--</td><td>--</td><td>-4</td></tr><tr><td>CCO Holdings debt notes repurchases / exchanges</td><td>-17</td><td>--</td><td>--</td></tr><tr><td>Charter Operating debt notes repurchases</td><td>-17</td><td>--</td><td>--</td></tr><tr><td>Charter Operating credit amendment / prepayments</td><td>-51</td><td>--</td><td>--</td></tr><tr><td></td><td>$-85</td><td>$--</td><td>$4</td></tr></table>
<table><tr><td><i>Cash Flows</i><i>Millions</i></td><td><i>2012</i></td><td><i>2011</i></td><td><i>2010</i></td></tr><tr><td>Cash provided by operating activities</td><td>$6,161</td><td>$5,873</td><td>$4,105</td></tr><tr><td>Cash used in investing activities</td><td>-3,633</td><td>-3,119</td><td>-2,488</td></tr><tr><td>Cash used in financing activities</td><td>-2,682</td><td>-2,623</td><td>-2,381</td></tr><tr><td>Net change in cash and cashequivalents</td><td>$-154</td><td>$131</td><td>$-764</td></tr></table>

Question: What is the growing rate of Non interest expense in the year with the most Total revenue?
Answer: -1.26386