HSBC USA Q3 Results Call

HSBC Holdings PLC
07 November 2005

                  HSBC FINANCE CORPORATION AND HSBC USA, INC.
                          - THIRD QUARTER 2005 RESULTS

HSBC Finance Corporation and HSBC USA, Inc. will file third quarter results
statements at the Securities and Exchange Commission on Monday, 14 November
2005.

At 3:00pm London time (10:00am US Eastern Standard Time) on 14 November, HSBC
will hold a conference call with analysts and investors to present these
results.

The call will be hosted by:

   •Bobby Mehta, Chief Executive of HSBC North America Holdings, Inc. and
    Chairman and Chief Executive of HSBC Finance Corporation
   •Douglas Flint, Group Finance Director, HSBC Holdings plc
   •Martin Glynn, Chief Executive of HSBC USA, Inc.
   •Simon Penney, Chief Financial Officer, HSBC North America Holdings, Inc.

Questions on the results will be taken after the presentation.

The conference call will be accessible by dialling:
UK: [phone]
US: [phone]
Hong Kong: [phone]

The results filings, including presentation slides, will be made available for
download ahead of the conference call from www.hsbc.com/financialresults.

A recording of the conference call will be made available for a period of seven
days on www.hsbc.com/investorwebcast.

Notes to editors:

1. Forward-looking statements
This presentation, including the accompanying slides and subsequent discussion,
contains certain forward-looking information with respect to the financial
condition, results of operations and business of HSBC Holdings plc, HSBC Finance
Corporation, HSBC USA, Inc. and HSBC North America Holdings, Inc. This
information represents expectations or beliefs concerning future events and is
subject to unknown risks and uncertainties. This information speaks only as of
the date on which it is provided. Additional detailed information concerning
important factors that could cause actual results to differ materially is
available in the HSBC Holdings plc Annual Report, HSBC Finance Corporation
Annual Report on Form 10-K, and HSBC USA, Inc. Annual Report on Form 10-K for
the year ended 31 December 2004. Please further be advised that Regulation FD
prohibits HSBC representatives from answering certain, specific questions during
the Q&A session.

2. HSBC - North America Holdings Inc.
HSBC - North America comprises all of HSBC's US and Canadian businesses,
including the former Household International businesses. The company's
businesses serve nearly 60 million customers in five key areas: personal
financial services, consumer finance, commercial banking, private banking and
corporate, investment banking and markets. Financial products and services are
offered under the HSBC, HFC and Beneficial brands. For more information, visit:
www.hsbcusa.com.

3. The HSBC Group
Serving over 110 million customers worldwide, the HSBC Group has approximately
9,700 offices in 77 countries and territories in Europe, the Asia-Pacific
region, the Americas, the Middle East and Africa. With assets of US$1,467
billion at 30 June 2005, HSBC is one of the world's largest banking and
financial services organisations. HSBC is marketed worldwide as 'the world's
local bank'.




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