Annual Report

	Hang Seng Bank Limited (11)

Cover Corporate Profile Contents Results in Brief Five-year Financial Summary Major Events 2004 Major Awards and Ratings Chairman's Statement Corporate Governance and Other Information Chief Executive's Report Business Operations Financial Review Corporate Social Responsibility Biographical Details of Directors and Senior Management Report of the Directors 2004 Financial Statements Consolidated Profit & Loss Account Consolidated Balance Sheet Balance Sheet Consolidated Statement of Changes in Equity Consolidated Cash Flow Statement Notes on the Accounts Report of the Auditors Analysis of Shareholders Subsidiaries Corporate Information and Calendar Back Cover