CONSOLIDATED STATEMENT OF INCOME (LOSS) (USD $) In Millions, unless otherwise specified	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Interest income:
Loans	$ 1,908		$ 1,876		$ 1,867
Securities	768		876		1,090
Trading assets	253		118		110
Short-term investments	77		68		96
Other	41		41		43
Total interest income	3,047		2,979		3,206
Interest expense:
Deposits	145		184		316
Short-term borrowings	49		40		28
Long-term debt	650		661		671
Other	(101)		53		33
Total interest expense	743		938		1,048
Net interest income	2,304	[1]	2,041	[1]	2,158	[1]
Provision for credit losses	188		193		293
Net interest income after provision for credit losses	2,116		1,848		1,865
Other revenues:
Credit card fees	51		43		87
Other fees and commissions	743		706		766
Trust income	135		123		110
Trading revenue	105		474		498
Net other-than-temporary impairment losses	(11)	[2]	0	[2]	0	[2]
Other securities gains, net	113		202		145
Servicing and other fees from HSBC affiliates	199		202		202
Residential mortgage banking revenue	112		80		16
Gain (loss) on instruments designated at fair value and related derivatives	75		(32)		(342)
Gain on sale of branches	0		0		433
Other income	84		59		58
Total other revenues	1,606		1,857		1,973
Operating expenses:
Salaries and employee benefits	930		922		944
Support services from HSBC affiliates	1,549		1,459		1,480
Occupancy expense, net	227		230		241
Goodwill impairment (Note 11)	0		616		0
Expense related to certain regulatory matters (Note 28)	0		0		1,381
Other expenses	718		660		618
Total operating expenses	3,424	[3]	3,887	[3]	4,664	[3]
Income (loss) from continuing operations before income tax	298		(182)		(826)
Income tax expense (benefit)	(56)		156		422
Income (loss) from continuing operations	354		(338)		(1,248)
Income from discontinued operations before income tax expense	0		0		315
Income tax expense	0		0		112
Income from discontinued operations	0		0		203
Net income (loss)	$ 354		$ (338)		$ (1,045)

[1] Net interest income of each segment represents the difference between actual interest earned on assets and interest paid on liabilities of the segment adjusted for a funding charge or credit. Segments are charged a cost to fund assets (e.g. customer loans) and receive a funding credit for funds provided (e.g. customer deposits) based on equivalent market rates. The objective of these charges/credits is to transfer interest rate risk from the segments to one centralized unit in Balance Sheet Management and more appropriately reflect the profitability of segments.

[2] During 2014, other-than-temporary impairment ("OTTI") losses on securities held-to-maturity totaling $11 million were recognized in other revenues. There were no OTTI losses in the non-credit component of such impaired securities reflected in accumulated other comprehensive income (loss) ("AOCI"), net of tax. During 2013 and 2012, there were no OTTI losses on securities recognized in other revenues and no OTTI losses in the non-credit component of securities recognized in AOCI, net of tax.

[3] Expenses for the segments include fully apportioned corporate overhead expenses.