CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Interest income:
Loans	$ 886	$ 950	$ 2,654	$ 2,782
Securities	517	481	1,483	1,388
Trading securities	90	94	268	268
Short-term investments	398	403	1,240	1,261
Other	13	18	47	57
Total interest income	1,904	1,946	5,692	5,756
Interest expense:
Deposits	913	1,046	2,763	3,095
Short-term borrowings	126	162	391	472
Long-term debt	325	282	919	865
Other	15	17	45	47
Total interest expense	1,379	1,507	4,118	4,479
Net interest income	525	439	1,574	1,277
Provision for credit losses	(84)	(13)	76	36
Net interest income after provision for credit losses	609	452	1,498	1,241
Other revenues:
Trading revenue	186	208	570	717
Other securities gains (losses), net	26	(148)	35	(138)
Gain (loss) on instruments designated at fair value and related derivatives	(3)	(3)	(7)	(33)
Other income (loss)	7	(30)	12	(68)
Total other revenues	548	334	1,582	1,410
Operating expenses:
Salaries and employee benefits	145	145	454	423
Support services from HSBC affiliates	432	428	1,292	1,246
Occupancy expense, net	13	12	37	53
Other expenses	71	86	234	318
Total operating expenses	661	671	2,017	2,040
Income before income tax	496	115	1,063	611
Income tax expense	118	27	236	129
Net income	378	88	827	482
Credit card fees, net
Other revenues:
Other revenues	14	14	45	42
Trust and investment management fees
Other revenues:
Other revenues	43	37	125	107
Other fees and commissions
Other revenues:
Other revenues	176	157	503	503
Servicing and other fees from HSBC affiliates
Other revenues:
Other revenues	$ 99	$ 99	$ 299	$ 280