local consumer lending local consumer lending ( lcl ) , which constituted approximately 70% ( 70 % ) of citi holdings by assets as of december 31 , 2010 , includes a portion of citigroup 2019s north american mortgage business , retail partner cards , western european cards and retail banking , citifinancial north america and other local consumer finance businesses globally .the student loan corporation is reported as discontinued operations within the corporate/other segment for the second half of 2010 only .at december 31 , 2010 , lcl had $ 252 billion of assets ( $ 226 billion in north america ) .approximately $ 129 billion of assets in lcl as of december 31 , 2010 consisted of u.s .mortgages in the company 2019s citimortgage and citifinancial operations .the north american assets consist of residential mortgage loans ( first and second mortgages ) , retail partner card loans , personal loans , commercial real estate ( cre ) , and other consumer loans and assets .in millions of dollars 2010 2009 2008 % (  % ) change 2010 vs .2009 % (  % ) change 2009 vs .2008 .
[['in millions of dollars', '2010', '2009', '2008', '% (  % ) change 2010 vs . 2009', '% (  % ) change 2009 vs . 2008'], ['net interest revenue', '$ 13831', '$ 12995', '$ 17136', '6% ( 6 % )', '( 24 ) % (  % )'], ['non-interest revenue', '1995', '4770', '6362', '-58 ( 58 )', '-25 ( 25 )'], ['total revenues net of interest expense', '$ 15826', '$ 17765', '$ 23498', '( 11 ) % (  % )', '( 24 ) % (  % )'], ['total operating expenses', '$ 8064', '$ 9799', '$ 14238', '( 18 ) % (  % )', '( 31 ) % (  % )'], ['net credit losses', '$ 17040', '$ 19185', '$ 13111', '( 11 ) % (  % )', '46% ( 46 % )'], ['credit reserve build ( release )', '-1771 ( 1771 )', '5799', '8573', 'nm', '-32 ( 32 )'], ['provision for benefits and claims', '775', '1054', '1192', '-26 ( 26 )', '-12 ( 12 )'], ['provision for unfunded lending commitments', '2014', '2014', '2014', '2014', '2014'], ['provisions for credit losses and for benefits and claims', '$ 16044', '$ 26038', '$ 22876', '( 38 ) % (  % )', '14% ( 14 % )'], ['( loss ) from continuing operations before taxes', '$ -8282 ( 8282 )', '$ -18072 ( 18072 )', '$ -13616 ( 13616 )', '54% ( 54 % )', '( 33 ) % (  % )'], ['benefits for income taxes', '-3289 ( 3289 )', '-7656 ( 7656 )', '-5259 ( 5259 )', '57', '-46 ( 46 )'], ['( loss ) from continuing operations', '$ -4993 ( 4993 )', '$ -10416 ( 10416 )', '$ -8357 ( 8357 )', '52% ( 52 % )', '( 25 ) % (  % )'], ['net income attributable to noncontrolling interests', '8', '33', '12', '-76 ( 76 )', 'nm'], ['net ( loss )', '$ -5001 ( 5001 )', '$ -10449 ( 10449 )', '$ -8369 ( 8369 )', '52% ( 52 % )', '( 25 ) % (  % )'], ['average assets ( in billions of dollars )', '$ 324', '$ 351', '$ 420', '( 8 ) % (  % )', '-16 ( 16 )'], ['net credit losses as a percentage of average loans', '6.20% ( 6.20 % )', '6.38% ( 6.38 % )', '3.80% ( 3.80 % )', '', '']]
nm not meaningful 2010 vs .2009 revenues , net of interest expense decreased 11% ( 11 % ) from the prior year .net interest revenue increased 6% ( 6 % ) due to the adoption of sfas 166/167 , partially offset by the impact of lower balances due to portfolio run-off and asset sales .non-interest revenue declined 58% ( 58 % ) , primarily due to the absence of the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 and a higher mortgage repurchase reserve charge .operating expenses decreased 18% ( 18 % ) , primarily due to the impact of divestitures , lower volumes , re-engineering actions and the absence of costs associated with the u.s .government loss-sharing agreement , which was exited in the fourth quarter of 2009 .provisions for credit losses and for benefits and claims decreased 38% ( 38 % ) , reflecting a net $ 1.8 billion credit reserve release in 2010 compared to a $ 5.8 billion build in 2009 .lower net credit losses across most businesses were partially offset by the impact of the adoption of sfas 166/167 .on a comparable basis , net credit losses were lower year-over-year , driven by improvement in u.s .mortgages , international portfolios and retail partner cards .assets declined 21% ( 21 % ) from the prior year , primarily driven by portfolio run-off , higher loan loss reserve balances , and the impact of asset sales and divestitures , partially offset by an increase of $ 41 billion resulting from the adoption of sfas 166/167 .key divestitures in 2010 included the student loan corporation , primerica , auto loans , the canadian mastercard business and u.s .retail sales finance portfolios .2009 vs .2008 revenues , net of interest expense decreased 24% ( 24 % ) from the prior year .net interest revenue was 24% ( 24 % ) lower than the prior year , primarily due to lower balances , de-risking of the portfolio , and spread compression .non-interest revenue decreased $ 1.6 billion , mostly driven by the impact of higher credit losses flowing through the securitization trusts , partially offset by the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 .operating expenses declined 31% ( 31 % ) from the prior year , due to lower volumes and reductions from expense re-engineering actions , and the impact of goodwill write-offs of $ 3.0 billion in the fourth quarter of 2008 , partially offset by higher costs associated with delinquent loans .provisions for credit losses and for benefits and claims increased 14% ( 14 % ) from the prior year , reflecting an increase in net credit losses of $ 6.1 billion , partially offset by lower reserve builds of $ 2.8 billion .higher net credit losses were primarily driven by higher losses of $ 3.6 billion in residential real estate lending , $ 1.0 billion in retail partner cards , and $ 0.7 billion in international .assets decreased $ 57 billion from the prior year , primarily driven by lower originations , wind-down of specific businesses , asset sales , divestitures , write- offs and higher loan loss reserve balances .key divestitures in 2009 included the fi credit card business , italy consumer finance , diners europe , portugal cards , norway consumer and diners club north america. .

Question: what percentage of total revenues net of interest expense where net interest revenues in 2009?
Answer: 73%