Annual Report 2012

	Hang Seng Bank Limited (00011)

Front Cover Contents Corporate Profile and Ratings Results in Brief Five-year Financial Summary Chairman¡¦s Statement Chief Executive¡¦s Report Theme Management Discussion and Analysis -- Business in Hong Kong Management Discussion and Analysis -- Business on the Mainland Management Discussion and Analysis -- Financial Review Corporate Responsibility Corporate Governance and Other Information Corporate Governance and Other Information -- Biographical Details of Directors Corporate Governance and Other Information -- Biographical Details of Senior Management Report of the Directors 2012 Financial Statements Consolidated Income Statement Consolidated Statement of Comprehensive Income Consolidated Balance Sheet Balance Sheet Consolidated Statement of Changes in Equity Consolidated Cash Flow Statement Notes to the Financial Statements Independent Auditor's Report Supplementary Notes to the Financial Statements (unaudited) Analysis of Shareholders Subsidiaries Corporate Information and Calendar Inside Back Cover Back Cover