Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.


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 . <table class='wikitable'><tr><td>1</td><td>in millions of dollars</td><td>2009</td><td>2008</td><td>2007</td><td>% (  % ) change 2009 vs . 2008</td><td>% (  % ) change 2008 vs . 2007</td></tr><tr><td>2</td><td>net interest revenue</td><td>$ 432</td><td>$ 1224</td><td>$ 908</td><td>( 65 ) % (  % )</td><td>35% ( 35 % )</td></tr><tr><td>3</td><td>non-interest revenue</td><td>14703</td><td>7199</td><td>9751</td><td>nm</td><td>-26 ( 26 )</td></tr><tr><td>4</td><td>total revenues net of interest expense</td><td>$ 15135</td><td>$ 8423</td><td>$ 10659</td><td>80% ( 80 % )</td><td>( 21 ) % (  % )</td></tr><tr><td>5</td><td>total operating expenses</td><td>$ 3350</td><td>$ 9236</td><td>$ 7960</td><td>( 64 ) % (  % )</td><td>16% ( 16 % )</td></tr><tr><td>6</td><td>net credit losses</td><td>$ 3</td><td>$ 10</td><td>$ 2014</td><td>( 70 ) % (  % )</td><td>2014</td></tr><tr><td>7</td><td>credit reserve build/ ( release )</td><td>36</td><td>8</td><td>4</td><td>nm</td><td>100% ( 100 % )</td></tr><tr><td>8</td><td>provision for unfunded lending commitments</td><td>-5 ( 5 )</td><td>2014</td><td>2014</td><td>2014</td><td>2014</td></tr><tr><td>9</td><td>provision for benefits and claims</td><td>$ 155</td><td>$ 205</td><td>$ 154</td><td>( 24 ) % (  % )</td><td>33% ( 33 % )</td></tr><tr><td>10</td><td>provisions for loan losses and for benefits and claims</td><td>$ 189</td><td>$ 223</td><td>$ 158</td><td>( 15 ) % (  % )</td><td>41% ( 41 % )</td></tr><tr><td>11</td><td>income ( loss ) from continuing operations before taxes</td><td>$ 11596</td><td>$ -1036 ( 1036 )</td><td>$ 2541</td><td>nm</td><td>nm</td></tr><tr><td>12</td><td>income taxes ( benefits )</td><td>4489</td><td>-272 ( 272 )</td><td>834</td><td>nm</td><td>nm</td></tr><tr><td>13</td><td>income ( loss ) from continuing operations</td><td>$ 7107</td><td>$ -764 ( 764 )</td><td>$ 1707</td><td>nm</td><td>nm</td></tr><tr><td>14</td><td>net income ( loss ) attributable to noncontrolling interests</td><td>12</td><td>-179 ( 179 )</td><td>35</td><td>nm</td><td>nm</td></tr><tr><td>15</td><td>net income ( loss )</td><td>$ 7095</td><td>$ -585 ( 585 )</td><td>$ 1672</td><td>nm</td><td>nm</td></tr><tr><td>16</td><td>eop assets ( in billions of dollars )</td><td>$ 35</td><td>$ 58</td><td>$ 56</td><td>( 40 ) % (  % )</td><td>4% ( 4 % )</td></tr><tr><td>17</td><td>eop deposits ( in billions of dollars )</td><td>60</td><td>58</td><td>46</td><td>3</td><td>26</td></tr></table> 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. .
Question: what was the percentage of non-interest revenue out of the total revenues net of interest expense in 2009?
Answer: 0.97146
Question: and in 2007?

0.91481