The descriptions and fair value methodologies for the U. S.  and International pension plan assets are as follows: Cash and Cash Equivalents The carrying amounts of cash and cash equivalents approximate fair value due to the short-term maturity.
Equity Securities Equity securities are valued at the closing market price reported on a U. S.  or international exchange where the security is actively traded and are therefore classified as Level 1 assets.
Equity Mutual and Pooled Funds Shares of mutual funds are valued at the net asset value (NAV) of the fund and are classified as Level 1 assets.
Units of pooled funds are valued at the per unit NAV determined by the fund manager based on the value of the underlying traded holdings and are classified as Level 2 assets.
Corporate and Government Bonds Corporate and government bonds are classified as Level 2 assets, as they are either valued at quoted market prices from observable pricing sources at the reporting date or valued based upon comparable securities with similar yields and credit ratings.
Other Pooled Funds Other pooled funds classified as Level 2 assets are valued at the NAV of the shares held at year end, which is based on the fair value of the underlying investments.
Securities and interests classified as Level 3 are carried at the estimated fair value.
The estimated fair value is based on the fair value of the underlying investment values, which includes estimated bids from brokers or other third-party vendor sources that utilize expected cash flow streams and other uncorroborated data including counterparty credit quality, default risk, discount rates, and the overall capital market liquidity.
Insurance Contracts Insurance contracts are classified as Level 3 assets, as they are carried at contract value, which approximates the estimated fair value.
The estimated fair value is based on the fair value of the underlying investment of the insurance company and discount rates that require inputs with limited observability.
Contributions and Projected Benefit Payments Pension contributions to funded plans and benefit payments for unfunded plans for fiscal year 2018 were $68.3.
Contributions for funded plans resulted primarily from contractual and regulatory requirements.
Benefit payments to unfunded plans were due primarily to the timing of retirements.
We anticipate contributing $45 to $65 to the defined benefit pension plans in fiscal year 2019.
These contributions are anticipated to be driven primarily by contractual and regulatory requirements for funded plans and benefit payments for unfunded plans, which are dependent upon timing of retirements.
Projected benefit payments, which reflect expected future service, are as follows:
## Table 0 ##
These estimated benefit payments are based on assumptions about future events.
Actual benefit payments may vary significantly from these estimates.
CITIZENS FINANCIAL GROUP, INC.  5 PART I ITEM 1.  BUSINESS Citizens Financial Group, Inc.  is the 13th largest retail bank holding company in the United States.
(1) Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to more than five million individuals, small businesses, middle-market companies, large corporations and institutions, largely through approximately 1,100 branches in 11 states in the New England, Mid-Atlantic and Midwest regions and approximately 140 retail and commercial non-branch offices located in our branch banking footprint and in other states and the District of Columbia, which are contiguous with our footprint.
At December 31, 2018, the Company had total assets of $160.5 billion, total deposits of $119.6 billion and total stockholders?
equity of $20.8 billion.
Citizens is a bank holding company which was incorporated under Delaware state law in 1984 and whose primary federal regulator is the Board of Governors of the Federal Reserve System (?FRB?).
As of December 31, 2018, our primary subsidiaries were Citizens Bank, N. A.
(?CBNA?
), a national banking association whose primary federal regulator is the Office of the Comptroller of the Currency (?OCC?
), and Citizens Bank of Pennsylvania (?CBPA?
), a Pennsylvania-chartered savings bank regulated by the Department of Banking of the Commonwealth of Pennsylvania and supervised by the Federal Deposit Insurance Corporation (the ?FDIC?)
as its primary federal regulator.
On January 2, 2019, we consolidated our banking subsidiaries via a merger of CBPA into CBNA in order to streamline governance and enterprise risk management, improve CBNA?srisk profile and gain operational efficiencies.
CBNA is now our primary subsidiary and our sole banking subsidiary.
Business Segments We manage our business through two reportable business operating segments: Consumer Banking and Commercial Banking.
The Company?sactivities outside the two business operating segments are classified as ?Other?
and include treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense.
The Other classification also includes the financial impact of non-core, liquidating loan portfolios and other non-core assets and liabilities.
For a description of non-core assets, see ?Management?sDiscussion and Analysis of Financial Condition and Results of Operations ?
Analysis of Financial Condition ?
Loans and Leases ?
Non-Core Assets?
in Part II, Item 7, of this Report.
For additional information regarding our business segments see ?Management?s Discussion and Analysis of Financial Condition and Results of Operations ?
Results of Operations ?2018 compared with 2017 ?
Business Operating Segments?
in Part II, Item 7 and Note 25 ?Business Operating Segments?
in the Notes to Consolidated Financial Statements in Part II, Item 8 ?
Financial Statements and Supplementary Data, of this Report.
The following table presents selected financial information for our business operating segments, Other and consolidated:
## Table 1 ##
Consumer Banking Segment Consumer Banking serves retail customers and small businesses with annual revenues of up to $25 million, with products and services that include deposit products, mortgage and home equity lending, credit cards, business loans, wealth management and investment services largely across our 11-state traditional banking footprint.
We also offer auto loans, education loans, and unsecured and product financing loans in addition to select digital deposit (1) According to SNL Financial as of September 30, 2018.
Operating Activities: Net cash provided by operating activities, including changes in operating assets and liabilities, was $4,530 million in 2010 compared with $3,046 million in 2009, reflecting higher earnings.
Operating cash flow decreased to $3,046 million in 2009 from $4,688 million in 2008 reflecting lower earnings.
Investing Activities: The following table summarizes the Corporation’s capital expenditures:
## Table 2 ##
Capital expenditures in 2010 include acquisitions of 167,000 net acres in the Bakken oil shale play in North Dakota from TRZ Energy, LLC for $1,075 million in cash and additional interests of 8% and 13% in the Valhall and Hod fields, respectively, for $507 million in cash.
Capital expenditures in 2009 include acquisitions of $188 million for unproved leaseholds and $74 million for a 50% interest in blocks PM301 and PM302 in Malaysia, which are adjacent to Block A-18 of the JDA.
Capital expenditures in 2008 include $600 million for leasehold acquisitions in the United States and $210 million for the acquisition of the remaining 22.5% interest in the Corporation’s Gabonese subsidiary.
In 2008, the Corporation also selectively expanded its energy marketing business by acquiring fuel oil, natural gas, and electricity customer accounts, and a terminal and related assets, for an aggregate of approximately $100 million.
Financing Activities: During 2010, net proceeds from borrowings were $1,098 million.
In August 2010, the Corporation issued $1,250 million of 30 year fixed-rate notes with a coupon of 5.6% scheduled to mature in 2041.
The proceeds were used to purchase additional acreage in the Bakken and additional interests in the Valhall and Hod fields.
In January 2010, the Corporation completed the repurchase of the remaining $116 million of notes that were scheduled to mature in 2011.
During 2009, net proceeds from borrowings were $447 million, compared with net repayments of debt of $32 million in 2008.
Total common stock dividends paid were $131 million in 2010 and 2009 and $130 million in 2008.
The Corporation received net proceeds from the exercise of stock options, including related income tax benefits of $54 million, $18 million and $340 million in 2010, 2009 and 2008, respectively.
Future Capital Requirements and Resources The Corporation anticipates investing a total of approximately $5.6 billion in capital and exploratory expenditures during 2011, substantially all of which is targeted for E&P operations.
In the Corporation’s M&R operations, refining margins continue to be weak, which have adversely affected HOVENSA’s liquidity position.
The Corporation intends to provide its share of financial support for HOVENSA.
The Corporation expects to fund its 2011 operations, including capital expenditures, dividends, pension contributions, required debt repayments and financial support for HOVENSA, with existing cash on-hand, cash flow from operations, proceeds from the sale of United Kingdom natural gas assets and its available credit facilities.
Crude oil prices, natural gas prices and refining margins are volatile and difficult to predict.
In addition, unplanned increases in the Corporation’s capital expenditure program could occur.
If conditions were to change, such as a significant decrease in commodity prices or an unexpected increase in capital expenditures, the Corporation would take steps to protect its financial flexibility and may pursue other sources of liquidity, including the issuance of debt securities, the issuance of equity securities, and/or asset sales.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>U.S.</td><td>International</td></tr><tr><td>2019</td><td>$165.5</td><td>$52.8</td></tr><tr><td>2020</td><td>152.4</td><td>53.9</td></tr><tr><td>2021</td><td>157.0</td><td>55.6</td></tr><tr><td>2022</td><td>163.7</td><td>56.0</td></tr><tr><td>2023</td><td>167.9</td><td>60.6</td></tr><tr><td>2024-2028</td><td>900.2</td><td>336.8</td></tr></table>
<table><tr><td rowspan="2"></td><td colspan="8">For the Year Ended December 31,</td></tr><tr><td colspan="4">2018</td><td colspan="4">2017</td></tr><tr><td>(in millions)</td><td>Consumer Banking</td><td>Commercial Banking</td><td>Other<sup></sup></td><td>Consolidated</td><td>Consumer Banking</td><td>Commercial Banking</td><td>Other</td><td>Consolidated</td></tr><tr><td>Net interest income</td><td>$3,064</td><td>$1,497</td><td>-$29</td><td>$4,532</td><td>$2,651</td><td>$1,411</td><td>$111</td><td>$4,173</td></tr><tr><td>Noninterest income</td><td>973</td><td>545</td><td>78</td><td>1,596</td><td>905</td><td>538</td><td>91</td><td>1,534</td></tr><tr><td>Total revenue</td><td>4,037</td><td>2,042</td><td>49</td><td>6,128</td><td>3,556</td><td>1,949</td><td>202</td><td>5,707</td></tr><tr><td>Noninterest expense</td><td>2,723</td><td>813</td><td>83</td><td>3,619</td><td>2,593</td><td>772</td><td>109</td><td>3,474</td></tr><tr><td>Net income</td><td>$767</td><td>$927</td><td>$27</td><td>$1,721</td><td>$452</td><td>$774</td><td>$426</td><td>$1,652</td></tr><tr><td>Total average loans and leases and loans held for sale</td><td>$60,691</td><td>$51,344</td><td>$2,446</td><td>$114,481</td><td>$58,371</td><td>$48,655</td><td>$2,946</td><td>$109,972</td></tr><tr><td>Total average deposits</td><td>$77,542</td><td>$30,704</td><td>$7,611</td><td>$115,857</td><td>$74,873</td><td>$30,005</td><td>$6,996</td><td>$111,874</td></tr></table>
<table><tr><td></td><td> 2010</td><td> 2009</td><td> 2008</td></tr><tr><td></td><td colspan="3"> (Millions of dollars)</td></tr><tr><td>Exploration and Production</td><td></td><td></td><td></td></tr><tr><td>Exploration</td><td>$552</td><td>$611</td><td>$744</td></tr><tr><td>Production and development</td><td>2,592</td><td>1,927</td><td>2,523</td></tr><tr><td>Acquisitions (including leaseholds)</td><td>2,250</td><td>262</td><td>984</td></tr><tr><td></td><td>5,394</td><td>2,800</td><td>4,251</td></tr><tr><td>Marketing, Refining and Corporate</td><td>98</td><td>118</td><td>187</td></tr><tr><td>Total</td><td>$5,492</td><td>$2,918</td><td>$4,438</td></tr></table>

Question: In the year with largest amount of total average deposits of consolidated, what's the increasing rate of total revenue?
Answer: 0.07377
Reasoning program: subtract(6128,5707), divide(#0,5707)