business-related metrics as of or for the year ended december 31 . ( in billions except ratios )      | 2003           | 2002           | change      
loan and lease receivables         | $ 43.2         | $ 37.4         | 16% ( 16 % )
average loan and lease receivables | 41.7           | 31.7           | 32          
automobile origination volume      | 27.8           | 25.3           | 10          
automobile market share            | 6.1% ( 6.1 % ) | 5.7% ( 5.7 % ) | 40bp        
30+ day delinquency rate           | 1.46           | 1.54           | -8 ( 8 )    
net charge-off ratio               | 0.41           | 0.51           | -10 ( 10 )  
overhead ratio                     | 35             | 36             | -100 ( 100 ) crb is the no .1 bank in the new york tri-state area and a top five bank in texas ( both ranked by retail deposits ) , providing payment , liquidity , investment , insurance and credit products and services to three primary customer segments : small busi- ness , affluent and retail .within these segments , crb serves 326000 small businesses , 433000 affluent consumers and 2.6 million mass-market consumers .crb 2019s continued focus on expanding customer relationships resulted in a 14% ( 14 % ) increase in core deposits ( for this purpose , core deposits are total deposits less time deposits ) from december 31 , 2002 , and a 77% ( 77 % ) increase in the cross-sell of chase credit products over 2002 .in 2003 , mortgage and home equity originations through crb 2019s distribution channels were $ 3.4 billion and $ 4.7 billion , respectively .branch-originated credit cards totaled 77000 , contributing to 23% ( 23 % ) of crb customers holding chase credit cards .crb is compensated by cfs 2019s credit businesses for the home finance and credit card loans it origi- nates and does not retain these balances .chase regional banking while crb continues to position itself for growth , decreased deposit spreads related to the low-rate environment and increased credit costs resulted in an 80% ( 80 % ) decline in crb operating earnings from 2002 .this decrease was partly offset by an 8% ( 8 % ) increase in total average deposits .operating revenue of $ 2.6 billion decreased by 9% ( 9 % ) compared with 2002 .net interest income declined by 11% ( 11 % ) to $ 1.7 billion , primarily attributable to the lower interest rate environment .noninterest revenue decreased 6% ( 6 % ) to $ 927 million due to lower deposit service fees , decreased debit card fees and one-time gains in 2002 .crb 2019s revenue does not include funding profits earned on its deposit base ; these amounts are included in the results of global treasury .operating expense of $ 2.4 billion increased by 7% ( 7 % ) from 2002 .the increase was primarily due to investments in technology within the branch network ; also contributing were higher compensation expenses related to increased staff levels and higher severance costs as a result of continued restructuring .this increase in operating caf is the largest u.s .bank originator of automobile loans and leases , with more than 2.9 million accounts .in 2003 , caf had a record number of automobile loan and lease originations , growing by 10% ( 10 % ) over 2002 to $ 27.8 billion .loan and lease receivables of $ 43.2 billion at december 31 , 2003 , were 16% ( 16 % ) higher than at the prior year-end .despite a challenging operating environment reflecting slightly declining new car sales in 2003 and increased competition , caf 2019s market share among automobile finance companies improved to 6.1% ( 6.1 % ) in 2003 from 5.7% ( 5.7 % ) in 2002 .the increase in market share was the result of strong organic growth and an origination strategy that allies the business with manufac- turers and dealers .caf 2019s relationships with several major car manufacturers contributed to 2003 growth , as did caf 2019s dealer relationships , which increased from approximately 12700 dealers in 2002 to approximately 13700 dealers in 2003 .in 2003 , operating earnings were $ 205 million , 23% ( 23 % ) higher compared with 2002 .the increase in earnings was driven by continued revenue growth and improved operating efficiency .in 2003 , caf 2019s operating revenue grew by 23% ( 23 % ) to $ 842 million .net interest income grew by 33% ( 33 % ) compared with 2002 .the increase was driven by strong operating performance due to higher average loans and leases outstanding , reflecting continued strong origination volume and lower funding costs .operating expense of $ 292 million increased by 18% ( 18 % ) compared with 2002 .the increase in expenses was driven by higher average chase auto finance loans outstanding , higher origination volume and higher perform- ance-based incentives .caf 2019s overhead ratio improved from 36% ( 36 % ) in 2002 to 35% ( 35 % ) in 2003 , as a result of strong revenue growth , con- tinued productivity gains and disciplined expense management .credit costs increased 18% ( 18 % ) to $ 205 million , primarily reflecting a 32% ( 32 % ) increase in average loan and lease receivables .credit quality continued to be strong relative to 2002 , as evidenced by a lower net charge-off ratio and 30+ day delinquency rate .caf also comprises chase education finance , a top provider of government-guaranteed and private loans for higher education .loans are provided through a joint venture with sallie mae , a government-sponsored enterprise and the leader in funding and servicing education loans .chase education finance 2019s origination volume totaled $ 2.7 billion , an increase of 4% ( 4 % ) from last year .management 2019s discussion and analysis j.p .morgan chase & co .42 j.p .morgan chase & co ./ 2003 annual report .
Question: what was the percentage growth of the operating earnings from 2002 to 2003?
Steps: Ask for number 23%
Answer: 0.23
Question: and what percentage did the 2002 earnings represent in relation to the 2003 ones?
Steps: subtract(const_100, 23%)
Answer: 99.77
Question: considering the amount of those 2003 earnings, what can be concluded to have been those operating earnings in 2002?
Steps: multiply(205, #0)
Answer: 20452.85
Question: in that same period, how much did the net interest income in 2003 represent in relation to the one in 2002?
Steps: subtract(const_1, 11%)
Answer: 0.89
Question: what was, then, that 2002 net interest income?
Steps: divide(1.7, #2)
Answer: 1.91011
Question: and what was the decline in it from that year to 2003?

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.
business-related metrics as of or for the year ended december 31 . ( in billions except ratios )      | 2003           | 2002           | change      
loan and lease receivables         | $ 43.2         | $ 37.4         | 16% ( 16 % )
average loan and lease receivables | 41.7           | 31.7           | 32          
automobile origination volume      | 27.8           | 25.3           | 10          
automobile market share            | 6.1% ( 6.1 % ) | 5.7% ( 5.7 % ) | 40bp        
30+ day delinquency rate           | 1.46           | 1.54           | -8 ( 8 )    
net charge-off ratio               | 0.41           | 0.51           | -10 ( 10 )  
overhead ratio                     | 35             | 36             | -100 ( 100 ) crb is the no .1 bank in the new york tri-state area and a top five bank in texas ( both ranked by retail deposits ) , providing payment , liquidity , investment , insurance and credit products and services to three primary customer segments : small busi- ness , affluent and retail .within these segments , crb serves 326000 small businesses , 433000 affluent consumers and 2.6 million mass-market consumers .crb 2019s continued focus on expanding customer relationships resulted in a 14% ( 14 % ) increase in core deposits ( for this purpose , core deposits are total deposits less time deposits ) from december 31 , 2002 , and a 77% ( 77 % ) increase in the cross-sell of chase credit products over 2002 .in 2003 , mortgage and home equity originations through crb 2019s distribution channels were $ 3.4 billion and $ 4.7 billion , respectively .branch-originated credit cards totaled 77000 , contributing to 23% ( 23 % ) of crb customers holding chase credit cards .crb is compensated by cfs 2019s credit businesses for the home finance and credit card loans it origi- nates and does not retain these balances .chase regional banking while crb continues to position itself for growth , decreased deposit spreads related to the low-rate environment and increased credit costs resulted in an 80% ( 80 % ) decline in crb operating earnings from 2002 .this decrease was partly offset by an 8% ( 8 % ) increase in total average deposits .operating revenue of $ 2.6 billion decreased by 9% ( 9 % ) compared with 2002 .net interest income declined by 11% ( 11 % ) to $ 1.7 billion , primarily attributable to the lower interest rate environment .noninterest revenue decreased 6% ( 6 % ) to $ 927 million due to lower deposit service fees , decreased debit card fees and one-time gains in 2002 .crb 2019s revenue does not include funding profits earned on its deposit base ; these amounts are included in the results of global treasury .operating expense of $ 2.4 billion increased by 7% ( 7 % ) from 2002 .the increase was primarily due to investments in technology within the branch network ; also contributing were higher compensation expenses related to increased staff levels and higher severance costs as a result of continued restructuring .this increase in operating caf is the largest u.s .bank originator of automobile loans and leases , with more than 2.9 million accounts .in 2003 , caf had a record number of automobile loan and lease originations , growing by 10% ( 10 % ) over 2002 to $ 27.8 billion .loan and lease receivables of $ 43.2 billion at december 31 , 2003 , were 16% ( 16 % ) higher than at the prior year-end .despite a challenging operating environment reflecting slightly declining new car sales in 2003 and increased competition , caf 2019s market share among automobile finance companies improved to 6.1% ( 6.1 % ) in 2003 from 5.7% ( 5.7 % ) in 2002 .the increase in market share was the result of strong organic growth and an origination strategy that allies the business with manufac- turers and dealers .caf 2019s relationships with several major car manufacturers contributed to 2003 growth , as did caf 2019s dealer relationships , which increased from approximately 12700 dealers in 2002 to approximately 13700 dealers in 2003 .in 2003 , operating earnings were $ 205 million , 23% ( 23 % ) higher compared with 2002 .the increase in earnings was driven by continued revenue growth and improved operating efficiency .in 2003 , caf 2019s operating revenue grew by 23% ( 23 % ) to $ 842 million .net interest income grew by 33% ( 33 % ) compared with 2002 .the increase was driven by strong operating performance due to higher average loans and leases outstanding , reflecting continued strong origination volume and lower funding costs .operating expense of $ 292 million increased by 18% ( 18 % ) compared with 2002 .the increase in expenses was driven by higher average chase auto finance loans outstanding , higher origination volume and higher perform- ance-based incentives .caf 2019s overhead ratio improved from 36% ( 36 % ) in 2002 to 35% ( 35 % ) in 2003 , as a result of strong revenue growth , con- tinued productivity gains and disciplined expense management .credit costs increased 18% ( 18 % ) to $ 205 million , primarily reflecting a 32% ( 32 % ) increase in average loan and lease receivables .credit quality continued to be strong relative to 2002 , as evidenced by a lower net charge-off ratio and 30+ day delinquency rate .caf also comprises chase education finance , a top provider of government-guaranteed and private loans for higher education .loans are provided through a joint venture with sallie mae , a government-sponsored enterprise and the leader in funding and servicing education loans .chase education finance 2019s origination volume totaled $ 2.7 billion , an increase of 4% ( 4 % ) from last year .management 2019s discussion and analysis j.p .morgan chase & co .42 j.p .morgan chase & co ./ 2003 annual report .
Question: what was the percentage growth of the operating earnings from 2002 to 2003?
Steps: Ask for number 23%
Answer: 0.23
Question: and what percentage did the 2002 earnings represent in relation to the 2003 ones?
Steps: subtract(const_100, 23%)
Answer: 99.77
Question: considering the amount of those 2003 earnings, what can be concluded to have been those operating earnings in 2002?
Steps: multiply(205, #0)
Answer: 20452.85
Question: in that same period, how much did the net interest income in 2003 represent in relation to the one in 2002?
Steps: subtract(const_1, 11%)
Answer: 0.89
Question: what was, then, that 2002 net interest income?
Steps: divide(1.7, #2)
Answer: 1.91011
Question: and what was the decline in it from that year to 2003?
