CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2016		Dec. 31, 2015	Dec. 31, 2014
Interest income:
Loans		$ 2,284		$ 2,096	$ 1,908
Securities		956		898	768
Trading securities		262		340	253
Short-term investments		365		108	77
Other		43		59	41
Total interest income		3,910		3,501	3,047
Interest expense:
Deposits		468		260	145
Short-term borrowings		79		46	36
Long-term debt		864		709	650
Other		15		16	(88)
Total interest expense		1,426		1,031	743
Net interest income	[1]	2,484		2,470	2,304
Provision for credit losses		372	[2]	361	188
Net interest income after provision for credit losses		2,112		2,109	2,116
Other revenues:
Credit card fees		52		43	51
Trust and investment management fees		153		170	135
Other fees and commissions		721		743	743
Trading revenue		227		74	105
Net other-than-temporary impairment losses	[3]	0		0	(11)
Other securities gains, net		70		48	113
Servicing and other fees from HSBC affiliates		217		213	199
Residential mortgage banking revenue		16		62	112
Gain (loss) on instruments designated at fair value and related derivatives		(71)		264	75
Other income (loss)		(53)		55	84
Total other revenues		1,332		1,672	1,606
Operating expenses:
Salaries and employee benefits		981		1,000	930
Support services from HSBC affiliates		1,363		1,435	1,549
Occupancy expense, net		231		230	227
Other expenses		651		556	718
Total operating expenses	[4]	3,226		3,221	3,424
Income before income tax		218		560	298
Income tax expense (benefit)		89		230	(56)
Net income		$ 129		$ 330	$ 354

[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 the segments.

[2] The provision for credit losses and charge-offs for residential mortgage loans during 2016 includes $11 million related to the lower of amortized cost or fair value adjustment attributable to credit factors for loans transferred to held for sale. See Note 7, "Loans Held for Sale," for additional information.

[3] During 2016 and 2015, there were no other-than-temporary impairment ("OTTI") losses on securities recognized in other revenues and no OTTI losses in the non-credit component of securities recognized in accumulated other comprehensive income (loss) ("AOCI"), net of tax. During 2014, 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 recognized in AOCI, net of tax.

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