segment results 2013 operating basis ( a ) ( b ) ( table continued from previous page ) year ended december 31 , operating earnings return on common equity 2013 goodwill ( c ) .

year ended december 31 , 2005: investment bank: 3658
retail financial services: 3427
card services: 1907
commercial banking: 1007
treasury & securities services: 1037
asset & wealth management: 1216
corporate: -1731
total: 10521
year ended december 31 , 2004: investment bank: 2948
retail financial services: 2199
card services: 1274
commercial banking: 608
treasury & securities services: 440
asset & wealth management: 681
corporate: 61
total: 8211
year ended december 31 , change: investment bank: -24
retail financial services: 56
card services: 50
commercial banking: 66
treasury & securities services: 136
asset & wealth management: 79
corporate: nm
total: -28
2005: investment bank: -18
retail financial services: 26
card services: 16
commercial banking: 30
treasury & securities services: 55
asset & wealth management: 51
corporate: nm
total: -17
2004: investment bank: -17
retail financial services: 24
card services: 17
commercial banking: 29
treasury & securities services: 17
asset & wealth management: 17
corporate: nm
total: -16

jpmorgan chase & co . / 2005 annual report 35 and are retained in corporate . these retained expenses include parent company costs that would not be incurred if the segments were stand-alone businesses ; adjustments to align certain corporate staff , technology and operations allocations with market prices ; and other one-time items not aligned with the business segments . during 2005 , the firm refined cost allocation methodologies related to certain corporate functions , technology and operations expenses in order to improve transparency , consistency and accountability with regard to costs allocated across business segments . prior periods have not been revised to reflect these new cost allocation methodologies . capital allocation each business segment is allocated capital by taking into consideration stand- alone peer comparisons , economic risk measures and regulatory capital requirements . the amount of capital assigned to each business is referred to as equity . at the time of the merger , goodwill , as well as the associated capital , was allocated solely to corporate . effective january 2006 , the firm expects to refine its methodology for allocating capital to the business segments to include any goodwill associated with line of business-directed acquisitions since the merger . u.s . gaap requires the allocation of goodwill to the business segments for impairment testing ( see critical accounting estimates used by the firm and note 15 on pages 81 2013 83 and 114 2013116 , respectively , of this annual report ) . see the capital management section on page 56 of this annual report for a discussion of the equity framework . credit reimbursement tss reimburses the ib for credit portfolio exposures the ib manages on behalf of clients the segments share . at the time of the merger , the reimbursement methodology was revised to be based upon pre-tax earnings , net of the cost of capital related to those exposures . prior to the merger , the credit reimbursement was based upon pre-tax earnings , plus the allocated capital associated with the shared clients . tax-equivalent adjustments segment and firm results reflect revenues on a tax-equivalent basis for segment reporting purposes . refer to explanation and reconciliation of the firm 2019s non-gaap financial measures on page 31 of this annual report for additional details . description of business segment reporting methodology results of the business segments are intended to reflect each segment as if it were essentially a stand-alone business . the management reporting process that derives these results allocates income and expense using market-based methodologies . effective with the merger on july 1 , 2004 , several of the allocation methodologies were revised , as noted below . as prior periods have not been revised to reflect these new methodologies , they are not comparable to the presentation of periods beginning with the third quarter of 2004 . further , the firm continues to assess the assumptions , methodologies and reporting reclassifications used for segment reporting , and further refinements may be implemented in future periods . revenue sharing when business segments join efforts to sell products and services to the firm 2019s clients , the participating business segments agree to share revenues from those transactions . these revenue-sharing agreements were revised on the merger date to provide consistency across the lines of business . funds transfer pricing funds transfer pricing ( 201cftp 201d ) is used to allocate interest income and expense to each business and transfer the primary interest rate risk exposures to corporate . the allocation process is unique to each business and considers the interest rate risk , liquidity risk and regulatory requirements of its stand- alone peers . business segments may retain certain interest rate exposures , subject to management approval , that would be expected in the normal operation of a similar peer business . in the third quarter of 2004 , ftp was revised to conform the policies of the combined firms . expense allocation where business segments use services provided by support units within the firm , the costs of those support units are allocated to the business segments . those expenses are allocated based upon their actual cost , or the lower of actual cost or market cost , as well as upon usage of the services provided . effective with the third quarter of 2004 , the cost allocation methodologies of the heritage firms were aligned to provide consistency across the business segments . in addition , expenses related to certain corporate functions , technology and operations ceased to be allocated to the business segments .

Questions:
what was the percentage of total segment operations that was made of investment banking in 2005?
what would 2005 operating income be without the commercial banking segment?

Answers:
34.8%
9514