Interest expense, net of capitalized interest decreased $129 million, or 18.1%, in 2014 from the 2013 period primarily due to a $63 million decrease in special charges recognized period-over-period as further described below, as well as refinancing activities that resulted in $65 million less interest expense recognized in 2014.
In 2014, American recognized $29 million of special charges relating to non-cash interest accretion on bankruptcy settlement obligations.
In 2013, American recognized $48 million of special charges relating to post-petition interest expense on unsecured obligations pursuant to the Plan and penalty interest related to American’s 10.5% secured notes and 7.50% senior secured notes.
In addition, in 2013 American recorded special charges of $44 million for debt extinguishment costs incurred as a result of the repayment of certain aircraft secured indebtedness, including cash interest charges and non-cash write offs of unamortized debt issuance costs.
As a result of the 2013 refinancing activities and the early extinguishment of American’s 7.50% senior secured notes in 2014, American recognized $65 million less interest expense in 2014 as compared to the 2013 period.
Other nonoperating expense, net of $153 million in 2014 consisted principally of net foreign currency losses of $92 million and early debt extinguishment charges of $48 million.
Other nonoperating expense, net of $84 million in 2013 consisted principally of net foreign currency losses of $55 million and early debt extinguishment charges of $29 million.
Other nonoperating expense, net increased $69 million, or 81.0%, during 2014 primarily due to special charges recognized as a result of early debt extinguishment and an increase in foreign currency losses driven by the strengthening of the U. S.  dollar in foreign currency transactions, principally in Latin American markets.
American recorded a $43 million special charge for Venezuelan foreign currency losses in 2014.
See Part II, Item 7A.
Quantitative and Qualitative Disclosures About Market Risk for further discussion of our cash held in Venezuelan bolivars.
In addition, American’s nonoperating special items included $48 million in special charges in the 2014 primarily related to the early extinguishment of American’s 7.50% senior secured notes and other indebtedness.
Reorganization Items, Net Reorganization items refer to revenues, expenses (including professional fees), realized gains and losses and provisions for losses that are realized or incurred as a direct result of the Chapter 11 Cases.
The following table summarizes the components included in reorganization items, net on American’s consolidated statement of operations for the year ended December 31, 2013 (in millions):
## Table 0 ##
(1) In exchange for employees’ contributions to the successful reorganization, including agreeing to reductions in pay and benefits, American agreed in the Plan to provide each employee group a deemed claim, which was used to provide a distribution of a portion of the equity of the reorganized entity to those employees.
Each employee group received a deemed claim amount based upon a portion of the value of cost savings provided by that group through reductions to pay and benefits as well as through certain work rule changes.
The total value of this deemed claim was approximately $1.7 billion.
(2) Amounts include allowed claims (claims approved by the Bankruptcy Court) and estimated allowed claims relating to (i) the rejection or modification of financings related to aircraft and (ii) entry of orders treated as unsecured claims with respect to facility agreements supporting certain issuances of special facility revenue bonds.
The Debtors recorded an estimated claim associated with the rejection or modification of a financing or facility agreement when the applicable motion was filed with the Bankruptcy Court to reject or modify
CITIZENS FINANCIAL GROUP, INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 186 and management structure and accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions.
A description of each reportable segment and table of financial results is presented below: Consumer Banking The Consumer Banking segment focuses on retail customers and small businesses with annual revenues of up to $25 million.
It offers traditional banking products and services, including checking, savings, home loans, student loans, credit cards, business loans and financial management services.
It also operates an indirect auto financing business, providing financing for both new and used vehicles through auto dealerships.
The segment’s distribution channels include a branch network, ATMs and a work force of experienced specialists ranging from financial consultants, mortgage loan officers and business banking officers to private bankers.
Our Consumer Banking value proposition is based on providing simple, easy to understand product offerings and a convenient banking experience with a more personalized approach.
Commercial Banking The Commercial Banking segment primarily targets companies with annual revenues from $25 million to $2.5 billion and provides a full complement of financial products and solutions, including loans, leases, trade financing, deposits, cash management, commercial cards, foreign exchange, interest rate risk management, corporate finance and capital markets advisory capabilities.
It focuses on middle-market companies, large corporations and institutions and has dedicated teams with industry expertise in government banking, not-for-profit, healthcare, technology, professionals, oil & gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity and sponsor finance.
While the segment’s business development efforts are predominantly focused in the Company’s footprint, some of its specialized industry businesses also operate selectively on a national basis (such as healthcare, asset finance and franchise finance).
A key component of Commercial Banking’s growth strategy is to bring ideas to clients that help their businesses thrive, and in doing so, expand the loan portfolio and ancillary product sales.
Non-segment Operations Other In addition to non-segment operations, Other includes certain reconciling items in order to translate the segment results that are based on management accounting practices into consolidated results.
For example, Other includes goodwill and any associated goodwill impairment charges, as well as legacy RBS aircraft loan and leasing borrowers that were placed in runoff following a review of Asset Finance in the third quarter of 2016.
## Table 1 ##
M ANA G E M E N T ’ S D I S C U SS I O N AN D ANALY S I S c o n t inue d Wholesale energy sales increased by 2.3 billion KWHs, 1.4 billion KWHs, and 2.5 billion KWHs in 2007, 2006, and 2005, respectively.
The increase in wholesale energy sales in 2007 was primarily related to new PPAs acquired by Southern Company through the acquisition of Plant Rowan in September 2006, as well as new contracts with EnergyUnited Electric Membership Corporation that commenced in September 2006 and January 2007.
An increase in KWH sales under existing PPAs also contributed to the 2007 increase.
The increases in wholesale energy sales in 2006 and 2005 were related primarily to the new PPAs discussed previously under “Electric Operating Revenues.
” Fuel and Purchased Power Expenses Fuel costs constitute the single largest expense for the electric utilities.
The mix of fuel sources for generation of electricity is determined primarily by demand, the unit cost of fuel consumed, and the availability of generating units.
Additionally, the electric utilities purchase a portion of their electricity needs from the wholesale market.
Details of Southern Company’s electricity generated and purchased were as follows:
## Table 2 ##
In 2007, fuel and purchased power expenses were $6.4 billion, an increase of $673 million or 11.8% above 2006 costs.
This increase was primarily the result of a $543 million net increase in the average cost of fuel and purchased power partially resulting from a 51.4% decrease in hydro generation as a result of a severe drought.
Also contributing to this increase was a $130 million increase related to an increase in net KWHs generated and purchased.
Fuel and purchased power expenses were $5.7 billion in 2006, an increase of $467 million or 8.9% above the prior year costs.
This increase was primarily the result of a $367 million net increase in the average cost of fuel and purchased power and a $100 million increase related to an increase in net KWHs generated and purchased.
In 2005, fuel and purchased power expenses were $5.2 billion, an increase of $1.2 billion or 29.1% above 2004 costs.
This increase was the result of a $1.3 billion net increase in the average cost of fuel and purchased power, partially offset by $67 million related to a decrease in net KWHs generated and purchased.
While there has been a significant upward trend in the cost of coal and natural gas since 2003, prices moderated somewhat in 2006 and 2007.
Coal prices have been influenced by a worldwide increase in demand from developing countries, as well as increases in mining and fuel transportation costs.
While demand for natural gas in the United States continued to increase in 2007, natural gas supplies have also risen due to increased production and higher storage levels.
During 2007, uranium prices were volatile and increased over the course of the year due to increasing long-term demand with primary production levels at approximately 55% to 60% of demand.
Secondary supplies and inventories were sufficient to fill the primary production shortfall.
Fuel expenses generally do not affect net income, since they are offset by fuel revenues under the traditional operating companies’ fuel cost recovery provisions.
Likewise, Southern Power’s PPAs generally provide that the purchasers are responsible for substantially all of the cost of fuel.
Other Operations and Maintenance Expenses Other operations and maintenance expenses were $3.5 billion, $3.3 billion, and $3.2 billion, increasing $183 million, $70 million, and $215 million in 2007, 2006, and 2005, respectively.
Discussion of significant variances for components of other operations and maintenance expenses follows.
Other production expenses at fossil, hydro, and nuclear plants increased $128 million, $3 million, and $58 million in 2007, 2006, and 2005, respectively.
Production expenses fluctuate from year to year due to variations in outage schedules and normal increases in costs.
Other production expenses increased in 2007 primarily due to a $40 million increase related to expenses incurred for maintenance outages at generating units and a $29 million increase related to new facilities, mainly costs associated with the write-off of Southern Power’s integrated coal gasification combined cycle (IGCC) project and the acquisitions of Plants DeSoto and Rowan by Southern Power in June and September 2006, respectively.
A $25 million increase related to labor and materials expenses and a $22 million increase in nuclear refueling costs also contributed to the 2007 increase.
See FUTURE EARNINGS POTENTIAL – “Construction Projects – Integrated Coal Gasification Combined Cycle” herein for additional information regarding the write-off of Southern Power’s IGCC project and Note 1 to the financial statements under “Property, Plant, and Equipment” for additional information regarding the amortization of nuclear refueling costs.
NBCUniversal Media, LLC Following the close of the redemption transaction, Comcast owns 96% of NBCUniversal Holdings’ common units and NBCUniversal Enterprise owns the remaining 4%.
NBCUniversal Enterprise is now a consolidated subsidiary of Comcast, but we do not have any ownership interests in NBCUniversal Enterprise.
NBCUniversal Enterprise also owns all of NBCUniversal Holdings’ preferred units with a $9.4 billion aggregate liquidation preference.
NBCUniversal Holdings is required to make quarterly payments to NBCUniversal Enterprise at an initial rate of 8.25% per annum on the $9.4 billion aggregate liquidation preference of the preferred units.
On March 1, 2018, and thereafter on every fifth anniversary of such date, this rate will reset to 7.44% plus the yield on actively traded United States Treasury securities having a 5 year maturity.
NBCUniversal Holdings has the right to redeem all of the preferred units during the 30 day period beginning on March 1, 2018, and NBCUniversal Enterprise has the right to cause NBCUniversal Holdings to redeem 15% of its preferred units during the 30 day period beginning on March 19, 2020.
The price and units in a redemption initiated by either party will be based on the liquidation preference plus accrued but unpaid dividends and adjusted, in the case of an exercise of NBCUniversal Enterprise’s right, to the extent the equity value of NBCUniversal Holdings is less than the liquidation preference.
Our cash flows are, and will continue to be, the primary source of funding for the required payments and for any future redemption of the NBCUniversal Holdings preferred units.
Note 5: Related Party Transactions In the ordinary course of our business, we enter into transactions with Comcast.
We generate revenue from Comcast primarily from the distribution of our cable network programming and, to a lesser extent, the sale of advertising and our owned programming, and we incur expenses primarily related to advertising and various support services provided by Comcast to us.
In 2013, as part of the Comcast cash management process, we and Comcast entered into revolving credit agreements under which we can borrow up to $3 billion from Comcast and Comcast can borrow up to $3 billion from us.
Amounts owed by us to Comcast under the revolving credit agreement, including accrued interest, are presented under the caption “note payable to Comcast” in our consolidated balance sheet.
The revolving credit agreements bear interest at floating rates equal to the interest rate under the Comcast and Comcast Cable Communications, LLC revolving credit facility (the “Comcast revolving credit facility”).
The interest rate on the Comcast revolving credit facility consists of a base rate plus a borrowing margin that is determined based on Comcast’s credit rating.
As of December 31, 2015, the borrowing margin for London Interbank Offered Rate-based borrowings was 1.00%.
In addition, Comcast is the counterparty to one of our contractual obligations.
As of both December 31, 2015 and 2014, the carrying value of the liability associated with this contractual obligation was $383 million.
The following tables present transactions with Comcast and its consolidated subsidiaries that are included in our consolidated financial statements.
## Table 3 ##
Segment Expenses.
Commission and brokerage increased 3.5% to $306.2 million in 2014 compared to $295.9 million in 2013.
This increase was primarily due to the impact of the increase in premiums earned.
Segment other underwriting expenses increased slightly to $34.6 million in 2014 compared to $33.9 million in 2013.
Commission and brokerage decreased 1.4% to $295.9 million in 2013 compared to $300.1 million in 2012.
This decrease was primarily due to the shift in the mix of business towards property catastrophe and excess of loss business, which have lower commission rates, partially offset by the impact of the increase in premiums earned.
Segment other underwriting expenses increased to $33.9 million in 2013 compared to $29.3 million in 2012.
These increases relate to higher compensation expenses.
Bermuda.
The following table presents the underwriting results and ratios for the Bermuda segment for the periods indicated.
## Table 4 ##
Premiums.
Gross written premiums decreased by 0.5% to $770.2 million in 2014 compared to $774.3 million in 2013, primarily due to the non-renewal of a casualty quota share contract.
Net written premiums decreased by 2.7% to $744.7 million in 2014 compared to $765.7 million in 2013.
The variance of the change in gross written premiums compared to the change in net written premiums is due to a higher utilization of reinsurance including cessions to Mt.
Logan.
Premiums earned decreased 3.0% to $715.7 million in 2014 compared to $738.0 million in 2013.
The change in premiums earned relative to net written premiums is the result of timing; premiums are earned ratably over the coverage period whereas written premiums are recorded at the initiation of the coverage period.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>2013</td></tr><tr><td>Labor-related deemed claim -1</td><td>$1,733</td></tr><tr><td>Aircraft and facility financing renegotiations and rejections -2, -3</td><td>320</td></tr><tr><td>Fair value of conversion discount -4</td><td>218</td></tr><tr><td>Professional fees</td><td>199</td></tr><tr><td>Other</td><td>170</td></tr><tr><td>Total reorganization items, net</td><td>$2,640</td></tr></table>
<table><tr><td></td><td colspan="4">Year Ended December 31, 2016</td></tr><tr><td>(in millions)</td><td>Consumer Banking</td><td>Commercial Banking</td><td>Other</td><td>Consolidated</td></tr><tr><td>Net interest income</td><td>$2,443</td><td>$1,288</td><td>$27</td><td>$3,758</td></tr><tr><td>Noninterest income</td><td>883</td><td>466</td><td>148</td><td>1,497</td></tr><tr><td>Total revenue</td><td>3,326</td><td>1,754</td><td>175</td><td>5,255</td></tr><tr><td>Noninterest expense</td><td>2,547</td><td>741</td><td>64</td><td>3,352</td></tr><tr><td>Profit before provision for credit losses</td><td>779</td><td>1,013</td><td>111</td><td>1,903</td></tr><tr><td>Provision for credit losses</td><td>243</td><td>47</td><td>79</td><td>369</td></tr><tr><td>Income before income tax expense (benefit)</td><td>536</td><td>966</td><td>32</td><td>1,534</td></tr><tr><td>Income tax expense (benefit)</td><td>191</td><td>335</td><td>-37</td><td>489</td></tr><tr><td>Net income</td><td>$345</td><td>$631</td><td>$69</td><td>$1,045</td></tr><tr><td>Total average assets</td><td>$56,388</td><td>$47,159</td><td>$39,636</td><td>$143,183</td></tr></table>
<table><tr><td></td><td> 2007</td><td>2006</td><td>2005</td></tr><tr><td>Total generation<i>(billions of KWHs)</i></td><td> 206</td><td>201</td><td>195</td></tr><tr><td>Total purchased power<i>(billions of KWHs)</i></td><td> 8</td><td>8</td><td>9</td></tr><tr><td>Sources of generation<i>(percent)</i>—</td><td> </td><td></td><td></td></tr><tr><td>Coal</td><td> 70</td><td>70</td><td>71</td></tr><tr><td>Nuclear</td><td> 14</td><td>15</td><td>15</td></tr><tr><td>Gas</td><td> 15</td><td>13</td><td>11</td></tr><tr><td>Hydro</td><td> 1</td><td>2</td><td>3</td></tr><tr><td>Cost of fuel, generated<i>(cents per net KWH)</i>—</td><td></td><td></td><td></td></tr><tr><td>Coal</td><td> 2.61</td><td>2.40</td><td>1.93</td></tr><tr><td>Nuclear</td><td> 0.50</td><td>0.47</td><td>0.47</td></tr><tr><td>Gas</td><td> 6.64</td><td>6.63</td><td>8.52</td></tr><tr><td>Average cost of fuel, generated<i>(cents per net KWH)</i></td><td> 2.89</td><td>2.64</td><td>2.39</td></tr><tr><td>Average cost of purchased power<i>(cents per net KWH)</i></td><td> 7.20</td><td>6.82</td><td>8.04</td></tr></table>
<table><tr><td>December 31 (in millions)</td><td>2015</td><td>2014</td></tr><tr><td>Transactions with Comcast and Consolidated Subsidiaries</td><td></td><td></td></tr><tr><td>Receivables, net</td><td>$239</td><td>$229</td></tr><tr><td>Accounts payable and accrued expenses related to trade creditors</td><td>$68</td><td>$47</td></tr><tr><td>Accrued expenses and other current liabilities</td><td>$51</td><td>$8</td></tr><tr><td>Note payable to Comcast</td><td>$1,750</td><td>$865</td></tr><tr><td>Other noncurrent liabilities</td><td>$383</td><td>$383</td></tr></table>
<table><tr><td></td><td colspan="3">Years Ended December 31,</td><td colspan="2">2014/2013</td><td colspan="2">2013/2012</td></tr><tr><td>(Dollars in millions)</td><td>2014</td><td>2013</td><td>2012</td><td>Variance</td><td>% Change</td><td>Variance</td><td>% Change</td></tr><tr><td>Gross written premiums</td><td>$770.2</td><td>$774.3</td><td>$734.4</td><td>$-4.0</td><td>-0.5%</td><td>$39.9</td><td>5.4%</td></tr><tr><td>Net written premiums</td><td>744.7</td><td>765.7</td><td>733.8</td><td>-21.0</td><td>-2.7%</td><td>31.9</td><td>4.3%</td></tr><tr><td>Premiums earned</td><td>$715.7</td><td>$738.0</td><td>$680.9</td><td>$-22.3</td><td>-3.0%</td><td>$57.0</td><td>8.4%</td></tr><tr><td>Incurred losses and LAE</td><td>361.8</td><td>374.4</td><td>408.2</td><td>-12.6</td><td>-3.4%</td><td>-33.9</td><td>-8.3%</td></tr><tr><td>Commission and brokerage</td><td>198.8</td><td>179.1</td><td>184.4</td><td>19.7</td><td>11.0%</td><td>-5.2</td><td>-2.8%</td></tr><tr><td>Other underwriting expenses</td><td>34.9</td><td>34.7</td><td>30.6</td><td>0.3</td><td>0.8%</td><td>4.0</td><td>13.2%</td></tr><tr><td>Underwriting gain (loss)</td><td>$120.2</td><td>$149.8</td><td>$57.8</td><td>$-29.6</td><td>-19.8%</td><td>$92.1</td><td>159.4%</td></tr><tr><td></td><td></td><td></td><td></td><td></td><td>Point Chg</td><td></td><td>Point Chg</td></tr><tr><td>Loss ratio</td><td>50.5%</td><td>50.7%</td><td>60.0%</td><td></td><td>-0.2</td><td></td><td>-9.3</td></tr><tr><td>Commission and brokerage ratio</td><td>27.8%</td><td>24.3%</td><td>27.1%</td><td></td><td>3.5</td><td></td><td>-2.8</td></tr><tr><td>Other underwriting expense ratio</td><td>4.9%</td><td>4.7%</td><td>4.4%</td><td></td><td>0.2</td><td></td><td>0.3</td></tr><tr><td>Combined ratio</td><td>83.2%</td><td>79.7%</td><td>91.5%</td><td></td><td>3.5</td><td></td><td>-11.8</td></tr><tr><td colspan="2">(Some amounts may not reconcile due to rounding.)</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>

Question: In which section the sum of revenue has the highest value?
Answer: Consumer Bank