The bank was hurt by provisions for loan impairment charges mostly arising from its business in the Middle East and its consumer-lending unit in America, which is being scaled down.

汇丰主要是受拖于中东和美国的消费贷款业务的贷款损失计提，这部分业务的规模已经逐步缩小。

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One of its biggest challenges will be grappling with costs related to its home lending unit.

FORBES: Bank Of America CEO Says No More Acquisitions

Last year, we established a new unit to combat fraud and investigate the abusive lending and mortgage packaging that led to the housing crisis.

WHITEHOUSE: The White House