Net operating revenue declined year-on-year by Ps.1.1 million , or 0.2 % , to Ps.612.8 million in 1Q09 and was a result of the reasons stated above as well as the decrease in non-interest income ( net ) .Non-interest income ( net ) decreased slightly to Ps.165.2 million in 1Q09 from Ps.166.7 million in 1Q08 driven by a 3.3 % decline in the origination of new loans during the period .