The total number of shares of common stock that may be delivered pursuant to awards granted under the 2013 SIP cannot exceed 60 million shares, subject to adjustment for certain changes in corporate structure as permitted under the 2013 SIP.
The 2013 SIP will terminate on the date of the annual meeting of shareholders that occurs in 2016.
As of December 2013, 59.3 million shares were available for grant under the 2013 SIP.
Restricted Stock Units The firm grants RSUs to employees under the 2013 SIP, which are valued based on the closing price of the underlying shares on the date of grant after taking into account a liquidity discount for any applicable post-vesting transfer restrictions.
RSUs generally vest and underlying shares of common stock deliver as outlined in the applicable RSU agreements.
Employee RSU agreements generally provide that vesting is accelerated in certain circumstances, such as on retirement, death, disability and conflicted employment.
Delivery of the underlying shares of common stock is conditioned on the grantees satisfying certain vesting and other requirements outlined in the award agreements.
The table below presents the activity related to RSUs.
## Table 0 ##
1.
The weighted average grant-date fair value of RSUs granted during 2013, 2012 and 2011 was $122.59, $84.72 and $141.21, respectively.
The fair value of the RSUs granted during 2013, 2012 and 2011 includes a liquidity discount of 13.7%, 21.7% and 12.7%, respectively, to reflect post-vesting transfer restrictions of up to 4 years.2.
The aggregate fair value of awards that vested during 2013, 2012 and 2011 was $2.26 billion, $1.57 billion and $2.40 billion, respectively.3.
Includes RSUs that were cash settled.4.
Includes restricted stock subject to future service requirements as of December 2013 and December 2012 of 4,768 and 276,317 shares, respectively.271,549 shares of restricted stock vested during 2013.
In the first quarter of 2014, the firm granted to its employees 13.8 million year-end RSUs, of which 4.2 million RSUs require future service as a condition of delivery.
These awards are subject to additional conditions as outlined in the award agreements.
Generally, shares underlying these awards, net of required withholding tax, deliver over a three-year period but are subject to postvesting transfer restrictions through January 2019.
These grants are not included in the above table.
Stock Options Stock options generally vest as outlined in the applicable stock option agreement.
No options have been granted since 2010.
In general, options expire on the tenth anniversary of the grant date, although they may be subject to earlier termination or cancellation under certain circumstances in accordance with the terms of the applicable stock option agreement and the SIP in effect at the time of grant.
Supplemental Financial Information Common Stock Performance The following graph compares the performance of an investment in the firm’s common stock from December 26, 2008 (the last trading day before the firm’s 2009 fiscal year) through December 31, 2013, with the S&P 500 Index and the S&P 500 Financials Index.
The graph assumes $100 was invested on December 26, 2008 in each of the firm’s common stock, the S&P 500 Index and the S&P 500 Financials Index, and the dividends were reinvested on the date of payment without payment of any commissions.
The performance shown in the graph represents past performance and should not be considered an indication of future performance.
## Table 1 ##
The table below shows the cumulative total returns in dollars of the firm’s common stock, the S&P 500 Index and the S&P 500 Financials Index for Goldman Sachs’ last five fiscal year ends, assuming $100 was invested on December 26, 2008 in each of the firm’s common stock, the S&P 500 Index and the S&P 500 Financials Index, and the dividends were reinvested on the date of payment without payment of any commissions.
The performance shown in the table represents past performance and should not be considered an indication of future performance.
Supplemental Financial Information Selected Financial Data
## Table 2 ##
1.
Book value per common share is based on common shares outstanding, including RSUs granted to employees with no future service requirements, of 467.4 million, 480.5 million, 516.3 million, 546.9 million and 542.7 million as of December 2013, December 2012, December 2011, December 2010 and December 2009, respectively.
Deposits.
As part of our efforts to diversify our funding base, deposits have become a more meaningful share of our funding activities mainly through GS Bank USA and Goldman Sachs International Bank (GSIB).
The table below presents the type and sources of our deposits.
## Table 3 ##
1.
Represents deposits with no stated maturity.2.
Weighted average maturity of approximately three years.3.
Substantially all were from overnight deposit sweep programs related to private wealth management clients.4.
Represents long-term contractual agreements with several U. S.  brokerdealers who sweep client cash to FDIC-insured deposits.5.
Deposits insured by the FDIC as of December 2013 were approximately $41.22 billion.
Unsecured Short-Term Borrowings.
A significant portion of our short-term borrowings was originally longterm debt that is scheduled to mature within one year of the reporting date.
We use short-term borrowings to finance liquid assets and for other cash management purposes.
We issue hybrid financial instruments, commercial paper and promissory notes.
As of December 2013, our unsecured short-term borrowings, including the current portion of unsecured long-term borrowings, were $44.69 billion.
See Note 15 to the consolidated financial statements for further information about our unsecured short-term borrowings.
Equity Capital Capital adequacy is of critical importance to us.
Our objective is to be conservatively capitalized in terms of the amount and composition of our equity base, both relative to our risk exposures and compared to external requirements and benchmarks.
Accordingly, we have in place a comprehensive capital management policy that provides a framework and set of guidelines to assist us in determining the level and composition of capital that we target and maintain.
We determine the appropriate level and composition of our equity capital by considering multiple factors including our current and future consolidated regulatory capital requirements, the results of our capital planning and stress testing process and other factors such as rating agency guidelines, subsidiary capital requirements, the business environment, conditions in the financial markets, and assessments of potential future losses due to adverse changes in our business and market environments.
Our capital planning and stress testing process incorporates our internally designed stress tests and those required under CCAR and DFAST, and is also designed to identify and measure material risks associated with our business activities, including market risk, credit risk and operational risk.
We project sources and uses of capital given a range of business environments, including stressed conditions.
In addition, as part of our comprehensive capital management policy, we maintain a contingency capital plan that provides a framework for analyzing and responding to an actual or perceived capital shortfall.
As required by the Federal Reserve Board’s annual CCAR guidelines, U. S.  bank holding companies with total consolidated assets of $50 billion or greater submit capital plans for review by the Federal Reserve Board.
The purpose of the Federal Reserve Board’s review is to ensure that these institutions have a robust, forward-looking capital planning process that accounts for their unique risks and that permits continued operations during times of economic and financial stress.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="3">Restricted Stock Units Outstanding</td><td colspan="2">Weighted Average Grant-DateFair Value of Restricted StockUnits Outstanding</td></tr><tr><td></td><td>  </td><td>Future Service Required</td><td>No Future Service Required</td><td>Future Service Required</td><td>No Future Service Required</td></tr><tr><td>Outstanding, December 2012</td><td><sup></sup></td><td>8,689,5214</td><td>15,390,351</td><td>$116.07</td><td>$121.99</td></tr><tr><td>Granted<sup>1, 2</sup></td><td> </td><td>6,230,961</td><td>11,226,808</td><td> 125.49</td><td> 120.98</td></tr><tr><td>Forfeited</td><td> </td><td>-785,926</td><td>-152,194</td><td> 120.54</td><td> 117.56</td></tr><tr><td>Delivered<sup>3</sup></td><td> </td><td>—</td><td>-11,369,831</td><td> —</td><td> 129.01</td></tr><tr><td>Vested<sup>2,4</sup></td><td> </td><td>-5,907,687</td><td>5,907,687</td><td> 121.45</td><td> 121.45</td></tr><tr><td> Outstanding, December 2013</td><td> <sup></sup></td><td>8,226,8694</td><td>21,002,821</td><td> 118.91</td><td> 117.53</td></tr></table>
<table><tr><td></td><td>12/26/08</td><td>12/31/09</td><td>12/31/10</td><td>12/31/11</td><td>12/31/12</td><td>12/31/13</td></tr><tr><td>The Goldman Sachs Group, Inc.</td><td>$100.00</td><td>$224.98</td><td>$226.19</td><td>$123.05</td><td>$176.42</td><td>$248.36</td></tr><tr><td>S&P 500 Index</td><td>100.00</td><td>130.93</td><td>150.65</td><td>153.83</td><td>178.42</td><td>236.20</td></tr><tr><td>S&P 500 Financials Index</td><td>100.00</td><td>124.38</td><td>139.47</td><td>115.67</td><td>148.92</td><td>201.92</td></tr></table>
<table><tr><td></td><td colspan="5">For the Year Ended or as of December</td></tr><tr><td></td><td> 2013</td><td>2012</td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Income statement data<i>(in millions)</i></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Non-interest revenues</td><td> $ 30,814</td><td>$ 30,283</td><td>$ 23,619</td><td>$ 33,658</td><td>$ 37,766</td></tr><tr><td>Interest income</td><td> 10,060</td><td>11,381</td><td>13,174</td><td>12,309</td><td>13,907</td></tr><tr><td>Interest expense</td><td> 6,668</td><td>7,501</td><td>7,982</td><td>6,806</td><td>6,500</td></tr><tr><td>Net interest income</td><td> 3,392</td><td>3,880</td><td>5,192</td><td>5,503</td><td>7,407</td></tr><tr><td>Net revenues, including net interest income</td><td> 34,206</td><td>34,163</td><td>28,811</td><td>39,161</td><td>45,173</td></tr><tr><td>Compensation and benefits</td><td> 12,613</td><td>12,944</td><td>12,223</td><td>15,376</td><td>16,193</td></tr><tr><td>U.K. bank payroll tax</td><td> —</td><td>—</td><td>—</td><td>465</td><td>—</td></tr><tr><td>Non-compensation expenses</td><td> 9,856</td><td>10,012</td><td>10,419</td><td>10,428</td><td>9,151</td></tr><tr><td>Pre-tax earnings</td><td> $ 11,737</td><td>$ 11,207</td><td>$ 6,169</td><td>$ 12,892</td><td>$ 19,829</td></tr><tr><td>Balance sheet data<i>(in millions)</i></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total assets</td><td> $911,507</td><td>$938,555</td><td>$923,225</td><td>$911,332</td><td>$848,942</td></tr><tr><td>Other secured financings (long-term)</td><td> 7,524</td><td>8,965</td><td>8,179</td><td>13,848</td><td>11,203</td></tr><tr><td>Unsecured long-term borrowings</td><td> 160,965</td><td>167,305</td><td>173,545</td><td>174,399</td><td>185,085</td></tr><tr><td>Total liabilities</td><td> 833,040</td><td>862,839</td><td>852,846</td><td>833,976</td><td>778,228</td></tr><tr><td>Total shareholders’ equity</td><td> 78,467</td><td>75,716</td><td>70,379</td><td>77,356</td><td>70,714</td></tr><tr><td>Common share data<i>(in millions, except per share amounts)</i></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Earnings per common share</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Basic</td><td> $ 16.34</td><td>$ 14.63</td><td>$ 4.71</td><td>$ 14.15</td><td>$ 23.74</td></tr><tr><td>Diluted</td><td> 15.46</td><td>14.13</td><td>4.51</td><td>13.18</td><td>22.13</td></tr><tr><td>Dividends declared per common share</td><td> 2.05</td><td>1.77</td><td>1.40</td><td>1.40</td><td>1.05</td></tr><tr><td>Book value per commonshare<sup>1</sup></td><td> 152.48</td><td>144.67</td><td>130.31</td><td>128.72</td><td>117.48</td></tr><tr><td>Average common shares outstanding</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Basic</td><td> 471.3</td><td>496.2</td><td>524.6</td><td>542.0</td><td>512.3</td></tr><tr><td>Diluted</td><td> 499.6</td><td>516.1</td><td>556.9</td><td>585.3</td><td>550.9</td></tr><tr><td>Selected data<i>(unaudited)</i></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total staff</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Americas</td><td> 16,600</td><td>16,400</td><td>17,200</td><td>19,900</td><td>18,900</td></tr><tr><td>Non-Americas</td><td> 16,300</td><td>16,000</td><td>16,100</td><td>15,800</td><td>13,600</td></tr><tr><td>Total staff</td><td> 32,900</td><td>32,400</td><td>33,300</td><td>35,700</td><td>32,500</td></tr><tr><td>Assets under supervision<i>(in billions)</i></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Asset class</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Alternative investments</td><td> $ 142</td><td>$ 151</td><td>$ 148</td><td>$ 150</td><td>$ 148</td></tr><tr><td>Equity</td><td> 208</td><td>153</td><td>147</td><td>162</td><td>160</td></tr><tr><td>Fixed income</td><td> 446</td><td>411</td><td>353</td><td>346</td><td>328</td></tr><tr><td>Long-term assets under supervision</td><td> 796</td><td>715</td><td>648</td><td>658</td><td>636</td></tr><tr><td>Liquidity products</td><td> 246</td><td>250</td><td>247</td><td>259</td><td>319</td></tr><tr><td>Total assets under supervision</td><td> $ 1,042</td><td>$ 965</td><td>$ 895</td><td>$ 917</td><td>$ 955</td></tr></table>
<table><tr><td></td><td colspan="4"> As of December 2013  Type of Deposit</td><td></td></tr><tr><td><i>in millions</i></td><td> <sup></sup></td><td> Savings and Demand<sup></sup></td><td> <sup>1</sup></td><td> Time<sup></sup></td><td> <sup>2</sup></td></tr><tr><td>Private bank deposits<sup>3</sup></td><td> </td><td> $30,475</td><td> </td><td> $ 212</td><td> </td></tr><tr><td>Certificates of deposit</td><td> </td><td> —</td><td> </td><td> 19,709</td><td> </td></tr><tr><td>Deposit sweep programs<sup>4</sup></td><td> </td><td> 15,511</td><td> </td><td> —</td><td> </td></tr><tr><td>Institutional</td><td> </td><td> 33</td><td> </td><td> 4,867</td><td> </td></tr><tr><td> Total<sup>5</sup></td><td> </td><td> $46,019</td><td> </td><td> $24,788</td><td> </td></tr></table>

Question: What's the growth rate of Net interest income in 2011?
Answer: -0.05651
Reasoning program: subtract(5192,5503), divide(#0,5503)