CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) $ in Millions		3 Months Ended		9 Months Ended
		Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018		Sep. 30, 2017
Interest income:
Loans		$ 659	$ 552	$ 1,894		$ 1,673
Securities		292	231	823		715
Trading securities		54	47	156		163
Short-term investments		164	203	479		515
Other		19	14	57		38
Total interest income		1,188	1,047	3,409		3,104
Interest expense:
Deposits		283	188	763		507
Short-term borrowings		45	39	121		94
Long-term debt		291	256	831		749
Other		10	4	28		15
Total interest expense		629	487	1,743		1,365
Net interest income	[1]	559	560	1,666		1,739
Provision for credit losses		20	(22)	(96)		(120)
Net interest income after provision for credit losses		539	582	1,762		1,859
Other revenues:
Other revenues		320	299	954		928
Trading revenue		154	81	509		222
Other securities gains (losses), net		(5)	5	10		29
Residential mortgage banking expense		(2)	(4)	(4)		(8)
Gain on instruments designated at fair value and related derivatives		29	7	63		40
Other income (loss)		(7)	9	13		344
Total other revenues	[2]	486	393	1,536	[3]	1,544	[3]
Operating expenses:
Salaries and employee benefits		208	268	627		789
Support services from HSBC affiliates		399	378	1,215		1,161
Occupancy expense, net		49	50	137		152
Other expenses		134	124	879		386
Total operating expenses	[3]	790	820	2,858		2,488	[4]
Income before income tax		235	155	440		915
Income tax expense		58	61	232		321
Net income		177	94	208		594
Credit card fees, net [Member]
Other revenues:
Other revenues		12	12	38		37
Trust and investment management fees [Member]
Other revenues:
Other revenues		31	39	103		116
Other fees and commissions [Member]
Other revenues:
Other revenues		171	167	515		492
Servicing and other fees from HSBC affiliates [Member]
Other revenues:
Other revenues		$ 103	$ 77	$ 289		$ 272

[1] Net interest income of each segment represents the difference between actual interest earned on assets and interest incurred 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] See Note 15, "Business Segments," for a reconciliation of total other revenues on a U.S. GAAP basis to other operating income for each business segment under the Group Reporting Basis.

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

[4] During the fourth quarter of 2017, we changed our presentation for certain cost reimbursements that were previously netted as an offset to affiliate expense and began presenting these reimbursements gross in affiliate income. As a result, we have reclassified prior period amounts in order to conform to the current year presentation, which increased both RBWM other operating income and RBWM operating expenses $11 million and $35 million and also increased both GB&M other operating income and GB&M operating expenses $14 million and $51 million during the three and nine months ended September 30, 2017, respectively. See Note 14, "Related Party Transactions," for additional information.