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April, May, hit you, we pulled in and even in the small enterprise house. So, the good news is — is that we have — we have reverting to the norm. And so, in December, for example, we had 198,000 booked accounts in bank card, that — ninety one,000. Yes, I think it’s still, it is still getting — we put the new system and we’re beginning to sell it. But you realize, one of many issues that is held it again is that’s a gross sales course of which is more integral to the kinds of folks use merchant providers that they’d be open more and it — that’s obviously affected by COVID. You know, we — the most important line item is the interchange, you realize, sort dynamics in both debit and credit and they’re rising but they, you know, they’re recovering from a deficit as I spoke about earlier.
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So, when you look on Page 24, you will see that, you understand, $13.2 billion, $thirteen.three billion, $12.9 billion, $15.2 billion so we had a great year and FICC was up from $eight.4 billion to $9.7 billion in income, which is substantial and a few of the areas we do not trade-in. And so, we’re extra credit score-pushed and that is — that’s what drives us versus some of the rivals. It’s one of the highest years just ever had, 15% or whatever, it’s up yr over yr. We don’t play in sure areas which run — which run on a given quarter.
And that produced strong segment returns of 15% on allocated capital for the 12 months. As Brian famous, this efficiency led to improved market share total and in a variety of key products. Provision expense reflected a reserve release of $266 million in Q4 compared to a construct in reserves of $555 million in Q3. We earned $2.6 billion in client banking in Q4 versus $2.1 billion in Q3. But with earnings nonetheless beneath prior-12 months pre-pandemic levels, we know we still have loads of room for improvement.
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We principally stopped, you realize, with the FICO requirements, we slowed down and because of the market dynamics, residence equity slowed down. Auto, we went back out extra shortly, simply because of the safe nature of its quick-time period nature of it. Auto picked again up but home equity is right down to $0.5 billion 1 / 4 or one thing like that when it was operating $three billion or something. So, we’ll — we’ll see it play out, however you’re — you’re proper, we needed to pull back and misplaced about half the credit card volume on a given month and we’re picked again up to — from 150 million on the low level to 200 million, but we’veve got some work to do. Well, let me simply — the issue was if you think about being a big shopper lender and particularly you watch unsecured area, in March.