.1 billion in 2008 as compared to $ 20.2 billion in 2007 , which are described in more detail below . operating expenses decreased 8% ( 8 % ) , mainly driven by lower compensation and transaction expenses . provisions for credit losses and for benefits and claims increased $ 2.7 billion , primarily due to a $ 2.2 billion increase in the reserve build and an increase in net credit losses of $ 0.5 billion