CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income:
Loans	$ 437	$ 441	$ 813	$ 892
Securities	169	160	310	337
Trading securities	55	54	118	102
Short-term investments	110	17	137	33
Other	12	4	17	13
Total interest income	783	676	1,395	1,377
Interest expense:
Deposits	135	69	193	150
Short-term borrowings	21	4	26	9
Long-term debt	89	78	157	160
Other	6	2	10	4
Total interest expense	251	153	386	323
Net interest income	532	523	1,009	1,054
Provision for credit losses	69	(229)	80	(456)
Net interest income after provision for credit losses	463	752	929	1,510
Other revenues:
Trading revenue	61	2	133	43
Other securities gains, net	9	18	29	47
Gain on instruments designated at fair value and related derivatives	19	7	25	25
Gain on sale of branch disposal group, net	0	0	111	0
Other income (loss)	(39)	(3)	(82)	6
Total other revenues	343	304	829	688
Operating expenses:
Salaries and employee benefits	138	182	292	358
Support services from HSBC affiliates	419	392	837	759
Occupancy expense, net	13	118	30	148
Other expenses	123	110	220	219
Total operating expenses	693	802	1,379	1,484
Income before income tax	113	254	379	714
Income tax expense	23	61	88	182
Net income	90	193	291	532
Credit card fees, net
Other revenues:
Other revenues	12	13	27	23
Trust and investment management fees
Other revenues:
Other revenues	34	26	60	55
Other fees and commissions
Other revenues:
Other revenues	160	171	338	336
Servicing and other fees from HSBC affiliates
Other revenues:
Other revenues	$ 87	$ 70	$ 188	$ 153