brokerage and asset management brokerage and asset management ( bam ) , which constituted approximately 6% ( 6 % ) of citi holdings by assets as of december 31 , 2009 , consists of citi 2019s global retail brokerage and asset management businesses . this segment was substantially affected and reduced in size in 2009 due to the divestitures of smith barney ( to the morgan stanley smith barney joint venture ( mssb jv ) ) and nikko cordial securities . at december 31 , 2009 , bam had approximately $ 35 billion of assets , which included $ 26 billion of assets from the 49% ( 49 % ) interest in the mssb jv ( $ 13 billion investment and $ 13 billion in loans associated with the clients of the mssb jv ) and $ 9 billion of assets from a diverse set of asset management and insurance businesses of which approximately half will be transferred into the latam rcb during the first quarter of 2010 , as discussed under 201cciti holdings 201d above . morgan stanley has options to purchase citi 2019s remaining stake in the mssb jv over three years starting in 2012 . the 2009 results include an $ 11.1 billion gain ( $ 6.7 billion after-tax ) on the sale of smith barney . in millions of dollars 2009 2008 2007 % (  % ) change 2009 vs . 2008 % (  % ) change 2008 vs . 2007 .

2009: net interest revenue: 432
non-interest revenue: 14703
total revenues net of interest expense: 15135
total operating expenses: 3350
net credit losses: 3
credit reserve build/ ( release ): 36
provision for unfunded lending commitments: -5
provision for benefits and claims: 155
provisions for loan losses and for benefits and claims: 189
income ( loss ) from continuing operations before taxes: 11596
income taxes ( benefits ): 4489
income ( loss ) from continuing operations: 7107
net income ( loss ) attributable to noncontrolling interests: 12
net income ( loss ): 7095
eop assets ( in billions of dollars ): 35
eop deposits ( in billions of dollars ): 60
2008: net interest revenue: 1224
non-interest revenue: 7199
total revenues net of interest expense: 8423
total operating expenses: 9236
net credit losses: 10
credit reserve build/ ( release ): 8
provision for unfunded lending commitments: 2014
provision for benefits and claims: 205
provisions for loan losses and for benefits and claims: 223
income ( loss ) from continuing operations before taxes: -1036
income taxes ( benefits ): -272
income ( loss ) from continuing operations: -764
net income ( loss ) attributable to noncontrolling interests: -179
net income ( loss ): -585
eop assets ( in billions of dollars ): 58
eop deposits ( in billions of dollars ): 58
2007: net interest revenue: 908
non-interest revenue: 9751
total revenues net of interest expense: 10659
total operating expenses: 7960
net credit losses: 2014
credit reserve build/ ( release ): 4
provision for unfunded lending commitments: 2014
provision for benefits and claims: 154
provisions for loan losses and for benefits and claims: 158
income ( loss ) from continuing operations before taxes: 2541
income taxes ( benefits ): 834
income ( loss ) from continuing operations: 1707
net income ( loss ) attributable to noncontrolling interests: 35
net income ( loss ): 1672
eop assets ( in billions of dollars ): 56
eop deposits ( in billions of dollars ): 46
% (  % ) change 2009 vs . 2008: net interest revenue: -65
non-interest revenue: nm
total revenues net of interest expense: -80
total operating expenses: -64
net credit losses: -70
credit reserve build/ ( release ): nm
provision for unfunded lending commitments: 2014
provision for benefits and claims: -24
provisions for loan losses and for benefits and claims: -15
income ( loss ) from continuing operations before taxes: nm
income taxes ( benefits ): nm
income ( loss ) from continuing operations: nm
net income ( loss ) attributable to noncontrolling interests: nm
net income ( loss ): nm
eop assets ( in billions of dollars ): -40
eop deposits ( in billions of dollars ): 3
% (  % ) change 2008 vs . 2007: net interest revenue: -35
non-interest revenue: -26
total revenues net of interest expense: -21
total operating expenses: -16
net credit losses: 2014
credit reserve build/ ( release ): -100
provision for unfunded lending commitments: 2014
provision for benefits and claims: -33
provisions for loan losses and for benefits and claims: -41
income ( loss ) from continuing operations before taxes: nm
income taxes ( benefits ): nm
income ( loss ) from continuing operations: nm
net income ( loss ) attributable to noncontrolling interests: nm
net income ( loss ): nm
eop assets ( in billions of dollars ): -4
eop deposits ( in billions of dollars ): 26

nm not meaningful 2009 vs . 2008 revenues , net of interest expense increased 80% ( 80 % ) versus the prior year mainly driven by the $ 11.1 billion pretax gain on the sale ( $ 6.7 billion after-tax ) on the mssb jv transaction in the second quarter of 2009 and a $ 320 million pretax gain on the sale of the managed futures business to the mssb jv in the third quarter of 2009 . excluding these gains , revenue decreased primarily due to the absence of smith barney from may 2009 onwards and the absence of fourth-quarter revenue of nikko asset management , partially offset by an improvement in marks in retail alternative investments . revenues in the prior year include a $ 347 million pretax gain on sale of citistreet and charges related to the settlement of auction rate securities of $ 393 million pretax . operating expenses decreased 64% ( 64 % ) from the prior year , mainly driven by the absence of smith barney and nikko asset management expenses , re- engineering efforts and the absence of 2008 one-time expenses ( $ 0.9 billion intangible impairment , $ 0.2 billion of restructuring and $ 0.5 billion of write- downs and other charges ) . provisions for loan losses and for benefits and claims decreased 15% ( 15 % ) mainly reflecting a $ 50 million decrease in provision for benefits and claims , partially offset by increased reserve builds of $ 28 million . assets decreased 40% ( 40 % ) versus the prior year , mostly driven by the sales of nikko cordial securities and nikko asset management ( $ 25 billion ) and the managed futures business ( $ 1.4 billion ) , partially offset by increased smith barney assets of $ 4 billion . 2008 vs . 2007 revenues , net of interest expense decreased 21% ( 21 % ) from the prior year primarily due to lower transactional and investment revenues in smith barney , lower revenues in nikko asset management and higher markdowns in retail alternative investments . operating expenses increased 16% ( 16 % ) versus the prior year , mainly driven by a $ 0.9 billion intangible impairment in nikko asset management in the fourth quarter of 2008 , $ 0.2 billion of restructuring charges and $ 0.5 billion of write-downs and other charges . provisions for loan losses and for benefits and claims increased $ 65 million compared to the prior year , mainly due to a $ 52 million increase in provisions for benefits and claims . assets increased 4% ( 4 % ) versus the prior year. .

Questions:
what was the percentage of non-interest revenue out of the total revenues net of interest expense in 2009?
and in 2007?

Answers:
97%
91%