HFC 10Q Part 2

HSBC Holdings PLC
16 November 2004





Exhibit Index


12   Statement of Computation of Ratio of Earnings to Fixed Charges.
31   Certification of Chief Executive Officer and Chief Financial Officer 
     pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32   Certification of Chief Executive Officer and Chief Financial Officer 
     pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
99.1 Debt Ratings.

                                      46

                                                                     Exhibit 12
Computation of Ratio of Earnings to Fixed Charges


                                       Nine months    March 29      January 1
                                          ended        through       through
                                      September 30, September 30,   March 28,
                                          2004          2003          2003
 ------------------------------------------------------------------------------
                                       (Successor)   (Successor)  (Predecessor)
                                                    (in millions)

 Net income..........................    $1,370        $  896        $  461
 Income tax expense..................       682           468           241
                                         ------        ------        ------
 Income before income tax expense....     2,052         1,364           702
                                         ------        ------        ------
 Fixed charges:
    Interest expense/(1)/............     1,621           930           785
    Interest portion of rentals/(2)/.        33            23            15
                                         ------        ------        ------
 Total fixed charges.................     1,654           953           800
                                         ------        ------        ------
 Total earnings as defined...........    $3,706        $2,317        $1,502
                                         ======        ======        ======
 Ratio of earnings to fixed charges..      2.24          2.43          1.88

--------
(1) For financial statement purposes for the periods January 1 through March
    28, 2003 and March 29 through September 30, 2003, these amounts are reduced
    for income earned on temporary investment of excess funds, generally
    resulting from over-subscriptions of commercial paper issuances.
(2) Represents one-third of rentals, which approximates the portion
    representing interest.

                                                                     Exhibit 31
Certification of Chief Executive Officer and Chief Financial Officer
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
                   Certification of Chief Executive Officer
I, William F. Aldinger, Chief Executive Officer of Household Finance
Corporation, certify that:
1. I have reviewed this report on Form 10-Q of Household Finance Corporation;
2. Based on my knowledge, this report does not contain any untrue statement of
   a material fact or omit to state a material fact necessary to make the
   statements made, in light of the circumstances under which such statements
   were made, not misleading with respect to the period covered by this report;
3. Based on my knowledge, the financial statements, and other financial
   information included in this report, fairly present in all material respects
   the financial condition, results of operations and cash flows of the
   registrant as of, and for, the periods presented in this report;
4. The registrant's other certifying officer and I are responsible for
   establishing and maintaining disclosure controls and procedures (as defined
   in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we
   have:
       a) designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the
          registrant, including its consolidated subsidiaries, is made known to
          us by others within those entities, particularly during the period in
          which this report is being prepared;
       b) evaluated the effectiveness of the registrant's disclosure controls
          and procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the
          end of the period covered by this report based on such evaluation; and
       c) disclosed in this report any change in the registrant's internal
          control over financial reporting that occurred during the
          registrant's most recent fiscal quarter that has materially affected,
          or is reasonably likely to materially affect, the registrant's
          internal control over financial reporting; and
5. The registrant's other certifying officer and I have disclosed, based on our
   most recent evaluation, to the registrant's auditors and the audit committee
   of the registrant's board of directors (or persons performing the equivalent
   function):
       a) all significant deficiencies and material weaknesses in the design or
          operation of internal controls over financial reporting which are
          reasonably likely to adversely affect the registrant's ability to
          record, process, summarize and report financial information; and
       b) any fraud, whether or not material, that involves management or other
          employees who have a significant role in the registrant's internal
          control over financial reporting.
Date: November 12, 2004
                                                  /s/ William F. Aldinger
                                                  -----------------------------
                                                  William F. Aldinger
                                                  Chief Executive Officer

                   Certification of Chief Financial Officer
I, Simon C. Penney, Chief Financial Officer of Household Finance Corporation,
certify that:
1. I have reviewed this report on Form 10-Q of Household Finance Corporation;
2. Based on my knowledge, this report does not contain any untrue statement of
   a material fact or omit to state a material fact necessary to make the
   statements made, in light of the circumstances under which such statements
   were made, not misleading with respect to the period covered by this report;
3. Based on my knowledge, the financial statements, and other financial
   information included in this report, fairly present in all material respects
   the financial condition, results of operations and cash flows of the
   registrant as of, and for, the periods presented in this report;
4. The registrant's other certifying officer and I are responsible for
   establishing and maintaining disclosure controls and procedures (as defined
   in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we
   have:
       a) designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the
          registrant, including its consolidated subsidiaries, is made known to
          us by others within those entities, particularly during the period in
          which this report is being prepared;
       b) evaluated the effectiveness of the registrant's disclosure controls
          and procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the
          end of the period covered by this report based on such evaluation; and
       c) disclosed in this report any change in the registrant's internal
          control over financial reporting that occurred during the
          registrant's most recent fiscal quarter that has materially affected,
          or is reasonably likely to materially affect, the registrant's
          internal control over financial reporting; and
5. The registrant's other certifying officer and I have disclosed, based on our
   most recent evaluation, to the registrant's auditors and the audit committee
   of the registrant's board of directors (or persons performing the equivalent
   function):
       a) all significant deficiencies and material weaknesses in the design or
          operation of internal controls over financial reporting which are
          reasonably likely to adversely affect the registrant's ability to
          record, process, summarize and report financial information; and
       b) any fraud, whether or not material, that involves management or other
          employees who have a significant role in the registrant's internal
          control over financial reporting.
Date: November 12, 2004
                                                  /s/ Simon C. Penney
                                                  -----------------------------
                                                  Simon C. Penney
                                                  Chief Financial Officer

                                                                     Exhibit 32
Certification of Chief Executive Officer and Chief Financial Officer Pursuant
to Section 906 of the
Sarbanes-Oxley Act of 2002
               Certification Pursuant to 18 U.S.C. Section 1350,
     as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
In connection with the Quarterly Report of Household Finance Corporation (the
"Company") on Form 10-Q for the period ending September 30, 2004 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
William F. Aldinger, Chief Executive Officer of the Company, certify, pursuant
to 18. U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:
   (1) The Report fully complies with the requirements of section 13(a) or
       15(d) of the Securities Exchange Act of 1934; and
   (2) The information contained in the Report fairly presents, in all material
       respects, the financial condition and results of operations of the
       Company.
                                                  /s/ William F. Aldinger
                                                  -----------------------------
                                                  William F. Aldinger
                                                  Chief Executive Officer
                                                  November 12, 2004
               Certification Pursuant to 18 U.S.C. Section 1350,
     as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
In connection with the Quarterly Report of Household Finance Corporation (the
"Company") on Form 10-Q for the period ending September 30, 2004 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Simon C. Penney, Chief Financial Officer of the Company, certify, pursuant to
18. U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:
   (1) The Report fully complies with the requirements of section 13(a) or
       15(d) of the Securities Exchange Act of 1934; and
   (2) The information contained in the Report fairly presents, in all material
       respects, the financial condition and results of operations of the
       Company.
                                                  /s/ Simon C. Penney
                                                  -----------------------------
                                                  Simon C. Penney
                                                  Chief Financial Officer
                                                  November 12, 2004
This certification accompanies each Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by the
Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.
Signed originals of these written statements required by Section 906 of the
Sarbanes-Oxley Act of 2002 have been provided to Household Finance Corporation
and will be retained by Household Finance Corporation and furnished to the
Securities and Exchange Commission or its staff upon request.

                                                                   Exhibit 99.1
Debt Ratings


                                       Standard    Moody's
                                       & Poor's   Investors
        At September 30, 2004         Corporation  Service  Fitch, Inc.
        ---------------------------------------------------------------

        Household Finance Corporation
           Senior debt...............      A         A1         A+
           Senior subordinated debt..     A-         A2          A
           Commercial paper..........     A-1        P-1        F-1
        Household Bank (SB), N.A.
           Senior debt...............      A         A1         A+
        ---------------------------------------------------------------



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