Annual Report

	Hang Seng Bank Limited (11)

Cover Contents Corporate Profile Results in Brief Five-year Financial Summary Major Events 2005 Major Awards and Ratings Chairman's Statement Chief Executive's Report Business Operations Corporate Governance and Other Information Corporate Social Responsibility Financial Review Biographical Details of Directors Biographical Details of Senior Management Report of the Directors 2005 Financial Statements Consolidated Income Statement Consolidated Balance Sheet Balance Sheet Consolidated Statement of Changes in Equity Consolidated Cash Flow Statement Notes to the Financial Statements Auditors' Report Analysis of Shareholders Subsidiaries Corporate Information and Calendar Back Cover