Financial report context:
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 .

Financial table:
in millions of dollars: net interest revenue; 2010: $ 13831; 2009: $ 12995; 2008: $ 17136; % (  % ) change 2010 vs . 2009: 6% ( 6 % ); % (  % ) change 2009 vs . 2008: ( 24 ) % (  % )
in millions of dollars: non-interest revenue; 2010: 1995; 2009: 4770; 2008: 6362; % (  % ) change 2010 vs . 2009: -58 ( 58 ); % (  % ) change 2009 vs . 2008: -25 ( 25 )
in millions of dollars: total revenues net of interest expense; 2010: $ 15826; 2009: $ 17765; 2008: $ 23498; % (  % ) change 2010 vs . 2009: ( 11 ) % (  % ); % (  % ) change 2009 vs . 2008: ( 24 ) % (  % )
in millions of dollars: total operating expenses; 2010: $ 8064; 2009: $ 9799; 2008: $ 14238; % (  % ) change 2010 vs . 2009: ( 18 ) % (  % ); % (  % ) change 2009 vs . 2008: ( 31 ) % (  % )
in millions of dollars: net credit losses; 2010: $ 17040; 2009: $ 19185; 2008: $ 13111; % (  % ) change 2010 vs . 2009: ( 11 ) % (  % ); % (  % ) change 2009 vs . 2008: 46% ( 46 % )
in millions of dollars: credit reserve build ( release ); 2010: -1771 ( 1771 ); 2009: 5799; 2008: 8573; % (  % ) change 2010 vs . 2009: nm; % (  % ) change 2009 vs . 2008: -32 ( 32 )
in millions of dollars: provision for benefits and claims; 2010: 775; 2009: 1054; 2008: 1192; % (  % ) change 2010 vs . 2009: -26 ( 26 ); % (  % ) change 2009 vs . 2008: -12 ( 12 )
in millions of dollars: provision for unfunded lending commitments; 2010: 2014; 2009: 2014; 2008: 2014; % (  % ) change 2010 vs . 2009: 2014; % (  % ) change 2009 vs . 2008: 2014
in millions of dollars: provisions for credit losses and for benefits and claims; 2010: $ 16044; 2009: $ 26038; 2008: $ 22876; % (  % ) change 2010 vs . 2009: ( 38 ) % (  % ); % (  % ) change 2009 vs . 2008: 14% ( 14 % )
in millions of dollars: ( loss ) from continuing operations before taxes; 2010: $ -8282 ( 8282 ); 2009: $ -18072 ( 18072 ); 2008: $ -13616 ( 13616 ); % (  % ) change 2010 vs . 2009: 54% ( 54 % ); % (  % ) change 2009 vs . 2008: ( 33 ) % (  % )
in millions of dollars: benefits for income taxes; 2010: -3289 ( 3289 ); 2009: -7656 ( 7656 ); 2008: -5259 ( 5259 ); % (  % ) change 2010 vs . 2009: 57; % (  % ) change 2009 vs . 2008: -46 ( 46 )
in millions of dollars: ( loss ) from continuing operations; 2010: $ -4993 ( 4993 ); 2009: $ -10416 ( 10416 ); 2008: $ -8357 ( 8357 ); % (  % ) change 2010 vs . 2009: 52% ( 52 % ); % (  % ) change 2009 vs . 2008: ( 25 ) % (  % )
in millions of dollars: net income attributable to noncontrolling interests; 2010: 8; 2009: 33; 2008: 12; % (  % ) change 2010 vs . 2009: -76 ( 76 ); % (  % ) change 2009 vs . 2008: nm
in millions of dollars: net ( loss ); 2010: $ -5001 ( 5001 ); 2009: $ -10449 ( 10449 ); 2008: $ -8369 ( 8369 ); % (  % ) change 2010 vs . 2009: 52% ( 52 % ); % (  % ) change 2009 vs . 2008: ( 25 ) % (  % )
in millions of dollars: average assets ( in billions of dollars ); 2010: $ 324; 2009: $ 351; 2008: $ 420; % (  % ) change 2010 vs . 2009: ( 8 ) % (  % ); % (  % ) change 2009 vs . 2008: -16 ( 16 )
in millions of dollars: net credit losses as a percentage of average loans; 2010: 6.20% ( 6.20 % ); 2009: 6.38% ( 6.38 % ); 2008: 3.80% ( 3.80 % )

Additional report context:
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%