H'hold & HSBC USA Conf Call

HSBC Holdings PLC
10 November 2004


                HOUSEHOLD INTERNATIONAL, INC. AND HSBC USA, INC.
                           THIRD QUARTER 2004 RESULTS

Third quarter results for Household International, Inc. and HSBC USA, Inc. are
due to be filed at the Securities and Exchange Commission by Monday, 15 November
2004.

Douglas Flint, Group Finance Director, HSBC Holdings plc and Simon Penney, Chief
Financial Officer, HSBC North America Holdings, Inc. will be hosting a
conference call with analysts and investors to discuss these results on
Wednesday, 17 November 2004 at 2:30 p.m. local time in London (9:30 a.m. Eastern
Standard Time).

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

A replay of the conference call will be available for five days after the call
by dialling:
UK:[phone] (pin 606637#)
US:[phone] (pin 11007165#)
Hong Kong: [phone] (pin 348110#)

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, Household,
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, Household Annual Report on Form 10-K, and HSBC USA
Inc. Annual Report on Form 10-K for the year ended 31 December 2003. Please
further be advised that Regulation FD prohibits Household and HSBC
representatives from answering certain, specific questions during the Q&A
session.

2. HSBC - North America
HSBC - North America comprises all of HSBC's US and Canadian businesses,
including the former Household International businesses. HSBC in North America
serves more than 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.hsbcnorthamerica.com.

3. The HSBC Group
HSBC Holdings plc is headquartered in the UK. The HSBC Group serves over 110
million customers worldwide from approximately 10,000 offices in 76 countries
and territories in Europe, the Asia-Pacific region, the Americas, the Middle
East and Africa. With assets of US$1,154 billion at 30 June 2004, 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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