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 . in millions of dollars                                   | 2010             | 2009               | 2008               | % (  % ) change 2010 vs . 2009 | % (  % ) change 2009 vs . 2008
net interest revenue                                     | $ 13831          | $ 12995            | $ 17136            | 6% ( 6 % )                     | ( 24 ) % (  % )               
non-interest revenue                                     | 1995             | 4770               | 6362               | -58 ( 58 )                     | -25 ( 25 )                    
total revenues net of interest expense                   | $ 15826          | $ 17765            | $ 23498            | ( 11 ) % (  % )                | ( 24 ) % (  % )               
total operating expenses                                 | $ 8064           | $ 9799             | $ 14238            | ( 18 ) % (  % )                | ( 31 ) % (  % )               
net credit losses                                        | $ 17040          | $ 19185            | $ 13111            | ( 11 ) % (  % )                | 46% ( 46 % )                  
credit reserve build ( release )                         | -1771 ( 1771 )   | 5799               | 8573               | nm                             | -32 ( 32 )                    
provision for benefits and claims                        | 775              | 1054               | 1192               | -26 ( 26 )                     | -12 ( 12 )                    
provision for unfunded lending commitments               | 2014             | 2014               | 2014               | 2014                           | 2014                          
provisions for credit losses and for benefits and claims | $ 16044          | $ 26038            | $ 22876            | ( 38 ) % (  % )                | 14% ( 14 % )                  
( loss ) from continuing operations before taxes         | $ -8282 ( 8282 ) | $ -18072 ( 18072 ) | $ -13616 ( 13616 ) | 54% ( 54 % )                   | ( 33 ) % (  % )               
benefits for income taxes                                | -3289 ( 3289 )   | -7656 ( 7656 )     | -5259 ( 5259 )     | 57                             | -46 ( 46 )                    
( loss ) from continuing operations                      | $ -4993 ( 4993 ) | $ -10416 ( 10416 ) | $ -8357 ( 8357 )   | 52% ( 52 % )                   | ( 25 ) % (  % )               
net income attributable to noncontrolling interests      | 8                | 33                 | 12                 | -76 ( 76 )                     | nm                            
net ( loss )                                             | $ -5001 ( 5001 ) | $ -10449 ( 10449 ) | $ -8369 ( 8369 )   | 52% ( 52 % )                   | ( 25 ) % (  % )               
average assets ( in billions of dollars )                | $ 324            | $ 351              | $ 420              | ( 8 ) % (  % )                 | -16 ( 16 )                    
net credit losses as a percentage of average loans       | 6.20% ( 6.20 % ) | 6.38% ( 6.38 % )   | 3.80% ( 3.80 % )   |                                |                                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?
Steps: divide(12995, 17765)
Answer: 0.73149
Question: and what was that percentage in the next year, in 2010?

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.
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 . in millions of dollars                                   | 2010             | 2009               | 2008               | % (  % ) change 2010 vs . 2009 | % (  % ) change 2009 vs . 2008
net interest revenue                                     | $ 13831          | $ 12995            | $ 17136            | 6% ( 6 % )                     | ( 24 ) % (  % )               
non-interest revenue                                     | 1995             | 4770               | 6362               | -58 ( 58 )                     | -25 ( 25 )                    
total revenues net of interest expense                   | $ 15826          | $ 17765            | $ 23498            | ( 11 ) % (  % )                | ( 24 ) % (  % )               
total operating expenses                                 | $ 8064           | $ 9799             | $ 14238            | ( 18 ) % (  % )                | ( 31 ) % (  % )               
net credit losses                                        | $ 17040          | $ 19185            | $ 13111            | ( 11 ) % (  % )                | 46% ( 46 % )                  
credit reserve build ( release )                         | -1771 ( 1771 )   | 5799               | 8573               | nm                             | -32 ( 32 )                    
provision for benefits and claims                        | 775              | 1054               | 1192               | -26 ( 26 )                     | -12 ( 12 )                    
provision for unfunded lending commitments               | 2014             | 2014               | 2014               | 2014                           | 2014                          
provisions for credit losses and for benefits and claims | $ 16044          | $ 26038            | $ 22876            | ( 38 ) % (  % )                | 14% ( 14 % )                  
( loss ) from continuing operations before taxes         | $ -8282 ( 8282 ) | $ -18072 ( 18072 ) | $ -13616 ( 13616 ) | 54% ( 54 % )                   | ( 33 ) % (  % )               
benefits for income taxes                                | -3289 ( 3289 )   | -7656 ( 7656 )     | -5259 ( 5259 )     | 57                             | -46 ( 46 )                    
( loss ) from continuing operations                      | $ -4993 ( 4993 ) | $ -10416 ( 10416 ) | $ -8357 ( 8357 )   | 52% ( 52 % )                   | ( 25 ) % (  % )               
net income attributable to noncontrolling interests      | 8                | 33                 | 12                 | -76 ( 76 )                     | nm                            
net ( loss )                                             | $ -5001 ( 5001 ) | $ -10449 ( 10449 ) | $ -8369 ( 8369 )   | 52% ( 52 % )                   | ( 25 ) % (  % )               
average assets ( in billions of dollars )                | $ 324            | $ 351              | $ 420              | ( 8 ) % (  % )                 | -16 ( 16 )                    
net credit losses as a percentage of average loans       | 6.20% ( 6.20 % ) | 6.38% ( 6.38 % )   | 3.80% ( 3.80 % )   |                                |                                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?
Steps: divide(12995, 17765)
Answer: 0.73149
Question: and what was that percentage in the next year, in 2010?
