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.

Text: local consumer lending local consumer lending ( lcl ) , which constituted approximately 70% ( 70 % ) of citi holdings by assets as of december 31 , 2010 , includes a portion of citigroup 2019s north american mortgage business , retail partner cards , western european cards and retail banking , citifinancial north america and other local consumer finance businesses globally . the student loan corporation is reported as discontinued operations within the corporate/other segment for the second half of 2010 only . at december 31 , 2010 , lcl had $ 252 billion of assets ( $ 226 billion in north america ) . approximately $ 129 billion of assets in lcl as of december 31 , 2010 consisted of u.s . mortgages in the company 2019s citimortgage and citifinancial operations . the north american assets consist of residential mortgage loans ( first and second mortgages ) , retail partner card loans , personal loans , commercial real estate ( cre ) , and other consumer loans and assets . in millions of dollars 2010 2009 2008 % (  % ) change 2010 vs . 2009 % (  % ) change 2009 vs . 2008 . <table class='wikitable'><tr><td>1</td><td>in millions of dollars</td><td>2010</td><td>2009</td><td>2008</td><td>% (  % ) change 2010 vs . 2009</td><td>% (  % ) change 2009 vs . 2008</td></tr><tr><td>2</td><td>net interest revenue</td><td>$ 13831</td><td>$ 12995</td><td>$ 17136</td><td>6% ( 6 % )</td><td>( 24 ) % (  % )</td></tr><tr><td>3</td><td>non-interest revenue</td><td>1995</td><td>4770</td><td>6362</td><td>-58 ( 58 )</td><td>-25 ( 25 )</td></tr><tr><td>4</td><td>total revenues net of interest expense</td><td>$ 15826</td><td>$ 17765</td><td>$ 23498</td><td>( 11 ) % (  % )</td><td>( 24 ) % (  % )</td></tr><tr><td>5</td><td>total operating expenses</td><td>$ 8064</td><td>$ 9799</td><td>$ 14238</td><td>( 18 ) % (  % )</td><td>( 31 ) % (  % )</td></tr><tr><td>6</td><td>net credit losses</td><td>$ 17040</td><td>$ 19185</td><td>$ 13111</td><td>( 11 ) % (  % )</td><td>46% ( 46 % )</td></tr><tr><td>7</td><td>credit reserve build ( release )</td><td>-1771 ( 1771 )</td><td>5799</td><td>8573</td><td>nm</td><td>-32 ( 32 )</td></tr><tr><td>8</td><td>provision for benefits and claims</td><td>775</td><td>1054</td><td>1192</td><td>-26 ( 26 )</td><td>-12 ( 12 )</td></tr><tr><td>9</td><td>provision for unfunded lending commitments</td><td>2014</td><td>2014</td><td>2014</td><td>2014</td><td>2014</td></tr><tr><td>10</td><td>provisions for credit losses and for benefits and claims</td><td>$ 16044</td><td>$ 26038</td><td>$ 22876</td><td>( 38 ) % (  % )</td><td>14% ( 14 % )</td></tr><tr><td>11</td><td>( loss ) from continuing operations before taxes</td><td>$ -8282 ( 8282 )</td><td>$ -18072 ( 18072 )</td><td>$ -13616 ( 13616 )</td><td>54% ( 54 % )</td><td>( 33 ) % (  % )</td></tr><tr><td>12</td><td>benefits for income taxes</td><td>-3289 ( 3289 )</td><td>-7656 ( 7656 )</td><td>-5259 ( 5259 )</td><td>57</td><td>-46 ( 46 )</td></tr><tr><td>13</td><td>( loss ) from continuing operations</td><td>$ -4993 ( 4993 )</td><td>$ -10416 ( 10416 )</td><td>$ -8357 ( 8357 )</td><td>52% ( 52 % )</td><td>( 25 ) % (  % )</td></tr><tr><td>14</td><td>net income attributable to noncontrolling interests</td><td>8</td><td>33</td><td>12</td><td>-76 ( 76 )</td><td>nm</td></tr><tr><td>15</td><td>net ( loss )</td><td>$ -5001 ( 5001 )</td><td>$ -10449 ( 10449 )</td><td>$ -8369 ( 8369 )</td><td>52% ( 52 % )</td><td>( 25 ) % (  % )</td></tr><tr><td>16</td><td>average assets ( in billions of dollars )</td><td>$ 324</td><td>$ 351</td><td>$ 420</td><td>( 8 ) % (  % )</td><td>-16 ( 16 )</td></tr><tr><td>17</td><td>net credit losses as a percentage of average loans</td><td>6.20% ( 6.20 % )</td><td>6.38% ( 6.38 % )</td><td>3.80% ( 3.80 % )</td><td>-</td><td>-</td></tr></table> nm not meaningful 2010 vs . 2009 revenues , net of interest expense decreased 11% ( 11 % ) from the prior year . net interest revenue increased 6% ( 6 % ) due to the adoption of sfas 166/167 , partially offset by the impact of lower balances due to portfolio run-off and asset sales . non-interest revenue declined 58% ( 58 % ) , primarily due to the absence of the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 and a higher mortgage repurchase reserve charge . operating expenses decreased 18% ( 18 % ) , primarily due to the impact of divestitures , lower volumes , re-engineering actions and the absence of costs associated with the u.s . government loss-sharing agreement , which was exited in the fourth quarter of 2009 . provisions for credit losses and for benefits and claims decreased 38% ( 38 % ) , reflecting a net $ 1.8 billion credit reserve release in 2010 compared to a $ 5.8 billion build in 2009 . lower net credit losses across most businesses were partially offset by the impact of the adoption of sfas 166/167 . on a comparable basis , net credit losses were lower year-over-year , driven by improvement in u.s . mortgages , international portfolios and retail partner cards . assets declined 21% ( 21 % ) from the prior year , primarily driven by portfolio run-off , higher loan loss reserve balances , and the impact of asset sales and divestitures , partially offset by an increase of $ 41 billion resulting from the adoption of sfas 166/167 . key divestitures in 2010 included the student loan corporation , primerica , auto loans , the canadian mastercard business and u.s . retail sales finance portfolios . 2009 vs . 2008 revenues , net of interest expense decreased 24% ( 24 % ) from the prior year . net interest revenue was 24% ( 24 % ) lower than the prior year , primarily due to lower balances , de-risking of the portfolio , and spread compression . non-interest revenue decreased $ 1.6 billion , mostly driven by the impact of higher credit losses flowing through the securitization trusts , partially offset by the $ 1.1 billion gain on the sale of redecard in the first quarter of 2009 . operating expenses declined 31% ( 31 % ) from the prior year , due to lower volumes and reductions from expense re-engineering actions , and the impact of goodwill write-offs of $ 3.0 billion in the fourth quarter of 2008 , partially offset by higher costs associated with delinquent loans . provisions for credit losses and for benefits and claims increased 14% ( 14 % ) from the prior year , reflecting an increase in net credit losses of $ 6.1 billion , partially offset by lower reserve builds of $ 2.8 billion . higher net credit losses were primarily driven by higher losses of $ 3.6 billion in residential real estate lending , $ 1.0 billion in retail partner cards , and $ 0.7 billion in international . assets decreased $ 57 billion from the prior year , primarily driven by lower originations , wind-down of specific businesses , asset sales , divestitures , write- offs and higher loan loss reserve balances . key divestitures in 2009 included the fi credit card business , italy consumer finance , diners europe , portugal cards , norway consumer and diners club north america. .
Question: in 2009, what percentage of the total revenues net of interest expense was due to net interest revenues?

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