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Annual Report 2022


Cover & Contents
(file: 2022_01.pdf, 999K)

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Corporate Information
(file: 2022_02.pdf, 80K)

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Financial Highlights
(file: 2022_03.pdf, 154K)

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Chairman’s Statement
(file: 2022_04.pdf, 305K)

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Chief Executive’s Statement
(file: 2022_05.pdf, 414K)

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Directors’ Profile
(file: 2022_06.pdf, 517K)

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Report of the Directors
(file: 2022_07.pdf, 212K)

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Corporate Governance
(file: 2022_08.pdf, 361K)

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Overview in 2022
(file: 2022_09.pdf, 613K)

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Branches
(file: 2022_10.pdf, 203K)

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Mainland Network
(file: 2022_11.pdf, 194K)

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Independent Auditor’s Report
(file: 2022_12.pdf, 386K)

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Consolidated Income Statement
(file: 2022_13.pdf, 97K)

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Consolidated Statement of Comprehensive Income
(file: 2022_14.pdf, 204K)

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Consolidated Balance Sheet
(file: 2022_15.pdf, 209K)

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Consolidated Statement of Changes in Equity
(file: 2022_16.pdf, 220K)

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Consolidated Cash Flow Statement
(file: 2022_17.pdf, 163K)

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Notes to the Financial Statements
(file: 2022_18.pdf, 2,300K)

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Unaudited Supplementary Financial Information
(file: 2022_19.pdf, 533K)

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Appendix
(file: 2022_20.pdf, 152K)

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Definitions
(file: 2022_21.pdf, 201K)

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Annual Report 2021


Cover & Contents
(file: 2021_01.pdf, 1,381K)

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Corporate Information
(file: 2021_02.pdf, 819K)

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Financial Highlights
(file: 2021_03.pdf, 849K)

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Chairman’s Statement
(file: 2021_04.pdf, 990K)

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Chief Executive’s Statement
(file: 2021_05.pdf, 987K)

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Directors’ Profile
(file: 2021_06.pdf, 1,124K)

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Report of the Directors
(file: 2021_07.pdf, 854K)

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Corporate Governance
(file: 2021_08.pdf, 961K)

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Overview in 2021
(file: 2021_09.pdf, 1,267K)

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Branches
(file: 2021_10.pdf, 861K)

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Mainland Network
(file: 2021_11.pdf, 850K)

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Independent Auditor’s Report
(file: 2021_12.pdf, 939K)

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Consolidated Income Statement
(file: 2021_13.pdf, 835K)

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Consolidated Statement of Comprehensive Income
(file: 2021_14.pdf, 846K)

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Consolidated Balance Sheet
(file: 2021_15.pdf, 851K)

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Consolidated Statement of Changes in Equity
(file: 2021_16.pdf, 850K)

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Consolidated Cash Flow Statement
(file: 2021_17.pdf, 822K)

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Notes to the Financial Statements
(file: 2021_18.pdf, 2,784K)

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Unaudited Supplementary Financial Information
(file: 2021_19.pdf, 1,022K)

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Appendix
(file: 2021_20.pdf, 834K)

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Definitions
(file: 2021_21.pdf, 855K)

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Annual Report 2020


Cover & Contents
(file: 2020_01.pdf, 1,286K)

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Corporate Information
(file: 2020_02.pdf, 856K)

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Financial Highlights
(file: 2020_03.pdf, 879K)

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Chairman’s Statement
(file: 2020_04.pdf, 1,226K)

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Chief Executive’s Statement
(file: 2020_05.pdf, 1,217K)

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Directors’ Profile
(file: 2020_06.pdf, 1,137K)

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Report of the Directors
(file: 2020_07.pdf, 900K)

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Corporate Governance
(file: 2020_08.pdf, 1,056K)

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Overview in 2020
(file: 2020_09.pdf, 2,015K)

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Branches
(file: 2020_10.pdf, 893K)

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Mainland Network
(file: 2020_11.pdf, 894K)

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Independent Auditor’s Report
(file: 2020_12.pdf, 1,014K)

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Consolidated Income Statement
(file: 2020_13.pdf, 859K)

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Consolidated Statement of Comprehensive Income
(file: 2020_14.pdf, 876K)

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Consolidated Balance Sheet
(file: 2020_15.pdf, 882K)

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Consolidated Statement of Changes in Equity
(file: 2020_16.pdf, 881K)

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Consolidated Cash Flow Statement
(file: 2020_17.pdf, 859K)

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Notes to the Financial Statements
(file: 2020_18.pdf, 4,103K)

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Unaudited Supplementary Financial Information
(file: 2020_19.pdf, 961K)

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Appendix
(file: 2020_20.pdf, 857K)

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Definitions
(file: 2020_21.pdf, 799K)

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Annual Report 2019


Cover & Contents
(file: 2019_01.pdf, 1,286K)

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Corporate Information
(file: 2019_02.pdf, 856K)

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Financial Highlights
(file: 2019_03.pdf, 879K)

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Chairman’s Statement
(file: 2019_04.pdf, 1,226K)

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Chief Executive’s Statement
(file: 2019_05.pdf, 1,217K)

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Directors’ Profile
(file: 2019_06.pdf, 1,137K)

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Report of the Directors
(file: 2019_07.pdf, 900K)

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Corporate Governance
(file: 2019_08.pdf, 1,056K)

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Overview in 2019
(file: 2019_09.pdf, 2,015K)

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Branches
(file: 2019_10.pdf, 893K)

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Mainland Network
(file: 2019_11.pdf, 894K)

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Independent Auditor’s Report
(file: 2019_12.pdf, 1,014K)

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Consolidated Income Statement
(file: 2019_13.pdf, 859K)

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Consolidated Statement of Comprehensive Income
(file: 2019_14.pdf, 876K)

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Consolidated Balance Sheet
(file: 2019_15.pdf, 882K)

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Consolidated Statement of Changes in Equity
(file: 2019_16.pdf, 881K)

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Consolidated Cash Flow Statement
(file: 2019_17.pdf, 859K)

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Notes to the Financial Statements
(file: 2019_18.pdf, 4,103K)

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Unaudited Supplementary Financial Information
(file: 2019_19.pdf, 961K)

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Appendix
(file: 2019_20.pdf, 857K)

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Definitions
(file: 2019_21.pdf, 799K)

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Annual Report 2018


Cover & Contents
(file: 2018_01.pdf, 1,872K)

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Corporate Information
(file: 2018_02.pdf, 486K)

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Financial Highlights
(file: 2018_03.pdf, 625K)

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Chairman’s Statement
(file: 2018_04.pdf, 1,141K)

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Chief Executive’s Statement
(file: 2018_05.pdf, 771K)

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Directors’ Profile
(file: 2018_06.pdf, 1,684K)

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Report of the Directors
(file: 2018_07.pdf, 643K)

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Corporate Governance
(file: 2018_08.pdf, 3,393K)

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Overview in 2018
(file: 2018_09.pdf, 3,393K)

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Branches
(file: 2018_10.pdf, 643K)

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Mainland Network
(file: 2018_11.pdf, 645K)

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Independent Auditor’s Report
(file: 2018_12.pdf, 974K)

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Consolidated Income Statement
(file: 2018_13.pdf, 524K)

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Consolidated Statement of Comprehensive Income
(file: 2018_14.pdf, 623K)

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Consolidated Balance Sheet
(file: 2018_15.pdf, 536K)

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Consolidated Statement of Changes in Equity
(file: 2018_16.pdf, 719K)

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Consolidated Cash Flow Statement
(file: 2018_17.pdf, 525K)

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Notes to the Financial Statements
(file: 2018_18.pdf, 21,580K)

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Unaudited Supplementary Financial Information
(file: 2018_19.pdf, 1,508K)

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Appendix
(file: 2018_20.pdf, 618K)

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Definitions
(file: 2018_21.pdf, 597K)

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Annual Report 2017


Cover & Contents
(file: 2017_01.pdf, 2,434K)

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Corporate Information
(file: 2017_02.pdf, 125K)

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Financial Highlights
(file: 2017_03.pdf, 248K)

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Chairman’s Statement
(file: 2017_04.pdf, 810K)

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Chief Executive’s Statement
(file: 2017_05.pdf, 538K)

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Directors’ Profile
(file: 2017_06.pdf, 801K)

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Report of the Directors
(file: 2017_07.pdf, 274K)

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Corporate Governance
(file: 2017_08.pdf, 581K)

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Overview in 2017
(file: 2017_09.pdf, 4,218K)

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Branches
(file: 2017_10.pdf, 212K)

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Mainland Network
(file: 2017_11.pdf, 232K)

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Independent Auditor’s Report
(file: 2017_12.pdf, 485K)

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Consolidated Income Statement
(file: 2017_13.pdf, 239K)

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Consolidated Statement of Comprehensive Income
(file: 2017_14.pdf, 243K)

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Consolidated Balance Sheet
(file: 2017_15.pdf, 252K)

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Consolidated Statement of Changes in Equity
(file: 2017_16.pdf, 300K)

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Consolidated Cash Flow Statement
(file: 2017_17.pdf, 244K)

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Notes to the Financial Statements
(file: 2017_18.pdf, 4,591K)

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Unaudited Supplementary Financial Information
(file: 2017_19.pdf, 383K)

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Appendix
(file: 2017_20.pdf, 224K)

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Definitions
(file: 2017_21.pdf, 282K)

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Disclosure Statements
(file: FS201712_CEv12.pdf, 1086K)

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Annual Report 2016


Cover & Contents
(file: 2016_01.pdf, 4,772K)

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Corporate Information
(file: 2016_02.pdf, 400K)

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Financial Highlights
(file: 2016_03.pdf, 406K)

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Chairman’s Statement
(file: 2016_04.pdf, 3,606K)

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Chief Executive’s Statement
(file: 2016_05.pdf, 1,610K)

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Directors’ Profile
(file: 2016_06.pdf, 1,979K)

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Report of the Directors
(file: 2016_07.pdf, 451K)

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Corporate Governance
(file: 2016_08.pdf, 655K)

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Overview in 2016
(file: 2016_09.pdf, 1,656K)

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Branches
(file: 2016_10.pdf, 434K)

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Mainland Network
(file: 2016_11.pdf, 436K)

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Independent Auditor’s Report
(file: 2016_12.pdf, 469K)

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Consolidated Income Statement
(file: 2016_13.pdf, 402K)

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Consolidated Statement of Comprehensive Income
(file: 2016_14.pdf, 402K)

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Consolidated Balance Sheet
(file: 2016_15.pdf, 403K)

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Consolidated Statement of Changes in Equity
(file: 2016_16.pdf, 404K)

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Consolidated Cash Flow Statement
(file: 2016_17.pdf, 402K)

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Notes to the Financial Statements
(file: 2016_18.pdf, 3,540K)

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Unaudited Supplementary Financial Information
(file: 2016_19.pdf, 1,185K)

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Appendix
(file: 2016_20.pdf, 237K)

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Definitions
(file: 2016_21.pdf, 270K)

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Disclosure Statements
(file: FS201612_CEv12.pdf, 1280K)

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Annual Report 2015


Cover & Contents
(file: 2015_01.pdf, 5,361K)

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Corporate Information
(file: 2015_02.pdf, 61K)

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Financial Highlights
(file: 2015_03.pdf, 103K)

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Chairman’s Statement
(file: 2015_04.pdf, 1,221K)

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Chief Executive’s Report
(file: 2015_05.pdf, 1,318K)

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Directors’ Profile
(file: 2015_06.pdf, 1,574K)

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Report of the Directors
(file: 2015_07.pdf, 161K)

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Corporate Governance
(file: 2015_08.pdf, 240K)

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Overview in 2015
(file: 2015_09.pdf, 838K)

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Branches
(file: 2015_10.pdf, 127K)

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Mainland Network
(file: 2015_11.pdf, 139K)

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Independent Auditor’s Report
(file: 2015_12.pdf, 122K)

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Consolidated Income Statement
(file: 2015_13.pdf, 71K)

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Consolidated Statement of Comprehensive Income
(file: 2015_14.pdf, 68K)

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Consolidated Balance Sheet
(file: 2015_15.pdf, 77K)

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Consolidated Statement of Changes in Equity
(file: 2015_16.pdf, 102K)

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Consolidated Cash Flow Statement
(file: 2015_17.pdf, 69K)

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Notes to the Financial Statements
(file: 2015_18.pdf, 1,067K)

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Unaudited Supplementary Financial Information
(file: 2015_19.pdf, 518K)

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Management of Risks
(file: 2015_20.pdf, 174K)

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Appendix
(file: 2015_21.pdf, 60K)

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Definitions
(file: 2015_22.pdf, 111K)

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Disclosure Statements
(file: FS201512_CEv12.pdf, 1188K)

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Annual Report 2014


Cover & Contents
(file: 2014_01.pdf, 926K)

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Corporate Information
(file: 2014_02.pdf, 494K)

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Financial Highlights
(file: 2014_03.pdf, 490K)

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Chairman’s Statement
(file: 2014_04.pdf, 543K)

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Chief Executive’s Report
(file: 2014_05.pdf, 587K)

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Directors’ Profile
(file: 2014_06.pdf, 672K)

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Report of the Directors
(file: 2014_07.pdf, 516K)

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Overview in 2014
(file: 2014_08.pdf, 1,129K)

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Five-Year Financial Statistics
(file: 2014_09.pdf, 616K)

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Branches
(file: 2014_10.pdf, 521K)

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Mainland Network
(file: 2014_11.pdf, 538K)

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Independent Auditor’s Report
(file: 2014_12.pdf, 506K)

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Consolidated Income Statement
(file: 2014_13.pdf, 489K)

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Consolidated Statement of Comprehensive Income
(file: 2014_14.pdf, 488K)

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Statement of Comprehensive Income
(file: 2014_15.pdf, 488K)

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Consolidated Balance Sheet
(file: 2014_16.pdf, 494K)

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Balance Sheet
(file: 2014_17.pdf, 494K)

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Consolidated Statement of Changes in Equity
(file: 2014_18.pdf, 508K)

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Statement of Changes in Equity
(file: 2014_19.pdf, 507K)

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Consolidated Cash Flow Statement
(file: 2014_20.pdf, 488K)

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Notes to the Financial Statements
(file: 2014_21.pdf, 3,878K)

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Unaudited Supplementary Financial Information
(file: 2014_22.pdf, 1,049K)

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Management of Risks
(file: 2014_23.pdf, 548K)

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Corporate Governance
(file: 2014_24.pdf, 662K)

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Definitions
(file: 2014_25.pdf, 525K)

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Disclosure Statements
(file: FS201412_CEv12.pdf, 1290K)

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Annual Report 2013


Cover & Contents
(file: 2013_01.pdf, 926K)

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Corporate Information
(file: 2013_02.pdf, 494K)

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Financial Highlights
(file: 2013_03.pdf, 490K)

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Chairman’s Statement
(file: 2013_04.pdf, 543K)

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Chief Executive’s Report
(file: 2013_05.pdf, 587K)

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Directors’ Profile
(file: 2013_06.pdf, 672K)

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Report of the Directors
(file: 2013_07.pdf, 516K)

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Overview in 2013
(file: 2013_08.pdf, 1,129K)

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Five-Year Financial Statistics
(file: 2013_09.pdf, 616K)

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Branches
(file: 2013_10.pdf, 521K)

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Mainland Network
(file: 2013_11.pdf, 538K)

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Independent Auditor’s Report
(file: 2013_12.pdf, 506K)

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Consolidated Income Statement
(file: 2013_13.pdf, 489K)

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Consolidated Statement of Comprehensive Income
(file: 2013_14.pdf, 488K)

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Statement of Comprehensive Income
(file: 2013_15.pdf, 488K)

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Consolidated Balance Sheet
(file: 2013_16.pdf, 494K)

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Balance Sheet
(file: 2013_17.pdf, 494K)

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Consolidated Statement of Changes in Equity
(file: 2013_18.pdf, 508K)

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Statement of Changes in Equity
(file: 2013_19.pdf, 507K)

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Consolidated Cash Flow Statement
(file: 2013_20.pdf, 488K)

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Notes to the Financial Statements
(file: 2013_21.pdf, 3,878K)

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Unaudited Supplementary Financial Information
(file: 2013_22.pdf, 1,049K)

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Management of Risks
(file: 2013_23.pdf, 548K)

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Corporate Governance
(file: 2013_24.pdf, 662K)

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Definitions
(file: 2013_25.pdf, 525K)

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Annual Report 2012


Cover & Contents
(file: 2012_01.pdf, 850K)

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Corporate Information
(file: 2012_02.pdf, 504K)

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Financial Highlights
(file: 2012_03.pdf, 506K)

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Chairman’s Statement
(file: 2012_04.pdf, 755K)

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Chief Executive’s Report
(file: 2012_05.pdf, 924K)

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Directors’ Profile
(file: 2012_06.pdf, 716K)

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Report of the Directors
(file: 2012_07.pdf, 549K)

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Overview in 2012
(file: 2012_08.pdf, 1,840K)

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Five-Year Financial Statistics
(file: 2012_09.pdf, 751K)

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Branches
(file: 2012_10.pdf, 554K)

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Mainland Network
(file: 2012_11.pdf, 1,061K)

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Independent Auditor’s Report
(file: 2012_12.pdf, 542K)

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Consolidated Income Statement
(file: 2012_13.pdf, 502K)

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Consolidated Statement of Comprehensive Income
(file: 2012_14.pdf, 621K)

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Statement of Comprehensive Income
(file: 2012_15.pdf, 616K)

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Consolidated Balance Sheet
(file: 2012_16.pdf, 627K)

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Balance Sheet
(file: 2012_17.pdf, 626K)

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Consolidated Statement of Changes in Equity
(file: 2012_18.pdf, 766K)

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Statement of Changes in Equity
(file: 2012_19.pdf, 765K)

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Consolidated Cash Flow Statement
(file: 2012_20.pdf, 622K)

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Notes to the Financial Statements
(file: 2012_21.pdf, 3,541K)

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Unaudited Supplementary Financial Information
(file: 2012_22.pdf, 1,101K)

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Management of Risks
(file: 2012_23.pdf, 803K)

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Corporate Governance
(file: 2012_24.pdf, 941K)

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Definitions
(file: 2012_25.pdf, 776K)

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Financial Statements 2023

Directors’ Report and Accounts 2023
(file: ncb-dra2023.pdf)

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Interim Report 2023
(file: ncb-ir2023.pdf)

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Financial Statements 2022

Directors’ Report and Accounts 2022
(file: ncb-dra2022.pdf)

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Interim Report 2022
(file: ncb-ir2022.pdf)

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Financial Statements 2021

Directors’ Report and Accounts 2021
(file: ncb-dra2021.pdf)

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Interim Report 2021
(file: ncb-ir2021.pdf)

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Financial Statements 2020

Directors’ Report and Accounts 2020
(file: ncb-dra2020.pdf)

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Interim Report 2020
(file: ncb-ir2020.pdf)

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Financial Statements 2019

Directors’ Report and Accounts 2019
(file: ncb-dra2019.pdf)

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Interim Report 2019
(file: ncb-ir2019.pdf)

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Financial Statements 2018

Directors’ Report and Accounts 2018
(file: ncb-dra2018.pdf)

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Interim Report 2018
(file: ncb-ir2018.pdf 1975KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain non-bank financial institutions. The changes are shown in grey.)

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Financial Statements 2017

Directors’ Report and Accounts 2017
(file: ncb-dra2017.pdf)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain financial investments and non-bank financial institutions. The changes are shown in grey.)

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Interim Report 2017
(file: ncb-ir2017.pdf 1975KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain financial investments and non-bank financial institutions. The changes are shown in grey.)

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Financial Statements 2016

Directors’ Report and Accounts 2016
(file: ncb-dra2016.pdf 1975KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain financial investments and non-bank financial institutions. The changes are shown in grey.)

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Interim Report 2016
(file: ncb-ir2016.pdf 1975KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain financial investments and non-bank financial institutions. The changes are shown in grey.)

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Financial Statements 2015

Directors’ Report and Accounts 2015
(file: ncb-dra2015.pdf 3234KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain financial investments and non-bank financial institutions. The changes are shown in grey.)

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Interim Report 2015
(file: ncb-ir2015.pdf 1975KB)

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Financial Statements 2014

Directors’ Report and Accounts 2014
(file: ncb-dra2014_eng.pdf 2272KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain non-bank financial institutions. The changes are shown in grey.)

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Interim Report 2014
(file: ncb-ir2014.pdf 992KB)

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Disclosure Statements
(Remark: This disclosure statement relates solely to certain changes made as a result of changes made to the regulatory reporting treatment of the Group’s exposures to certain non-bank financial institutions. The changes are shown in grey.)

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Financial Statements 2013

Directors’ Report and Accounts 2013
(file: ncb-dra2013_eng.pdf 817KB)

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Interim Report 2013
(file: ncb-ir2013.pdf 650KB)

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Financial Statements 2012

Directors’ Report and Accounts 2012
(file: ncb-dra2012_eng.pdf 882KB)

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Interim Report 2012
(file: ncb-ir2012.pdf 672KB)

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