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To enhance financial accessibility and inclusivity, the Bank is committed to developing and innovating in both business/financial and non-financial aspects, with the aim of providing equal and inclusive financial services, products, and education to different groups. We also seek to practice UN Sustainable Development Goals (SDGs) on multiple fronts, including SDG 1, 3, 5, 8, 9, 10, and 11, providing assistance and resilience in facing poverty, healthcare, education, gender equality, employability, and offering friendly and affordable financial products and services to underprivileged communities. The Bank is committed to achieving the following goals, gradually realizing an inclusive and sustainable financial ecosystem:
Targeted clients
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Loans
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Women, Disabilities
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Micro-Business Startup Phoenix Program
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Young People
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Loans for Startup Funding for Young Entrepreneurs Youth Assured First Homebuyer Loan
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Microbusinesses
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Keelung City SME Dream-Come-True Loan Hakka Local Revitalization Preferential Loan
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Low- income individuals, Disabilities,
Elderly People
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Housing subsidy loan
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Elderly People
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Real Estate Pension Loan for the Elderly
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The Bank upholds its responsibility to care for customers and actively supports government relief policies, effectively implementing both the "Government Relief Programs" and our own "Related Relief Initiatives" to assist customers affected by the pandemic.
For debtors who apply for debt workout, mediated debt workout, and debt settlement in accordance with the Consumer Debt Clearance Statute, or individual debtors who apply for debt negotiation, we evaluate their income and work ability and other factors comprehensively, and encourage them to actively resolve their debts and return to normal life, thereby facilitating the recovery of debts.
Giving Female Entrepreneurs a Leg Up:
International Financial Branch Case Study:
According to statistics from the Small and Medium Enterprise Administration of the Ministry of Economic Affairs in 2021, there are over 1.59 million small and medium enterprises (SMEs) in Taiwan, accounting for over 98% of all businesses. Although SMEs have a smaller individual scale, their flexible business strategies allow them to quickly adapt and respond to changes and challenges in the external environment. Thus, SMEs are important borrowers for the Bank.
In terms of community development loans, the Bank cooperates with the Hakka Affairs Council to support Hakka culture and create employment opportunities in Hakka communities by enhancing service capabilities or expanding operational scales. We launched the "Hakka Local Revitalization Preferential Loan," contributing to local revitalization and sustainable development policies.
The Bank actively responses to the promotion of the micro-insurance policy by the FSC, and provided micro-insurance donations to people in the disadvantaged groups in the total amount of micro-insurance premiums of NT$104,710 through the matchmaking by Cathay Life Insurance Co., Ltd., in 2022 to assist disadvantaged groups with specific identities in obtaining basic protection for a period of time with relatively low insurance premiums, so as not to be affected by financial difficulties due to unpredictable specific risks and incidents and to increase accessibility to basic security for disadvantaged groups.
To make it easier for customers who make moderate income and the petite bourgeoisie to invest in ETF, the Bank has increased diversified investment choices. For instance, the Bank lowered the minimum subscription amount for USD-denominated ETF from USD5,000 to USD2,000. Minimum subscription amount for HKD and CNY-denominated ETF was adjusted from 50,000 to 12,000.
To ensure that all segments of society can fully enjoy basic rights and have access to equal and convenient financial services, the Bank provides multiple friendly service measures, aiming to achieve SDG 10's sustainable goal in reducing inequality.
The Bank has established "Priority Assistance for Customers 65 and Over" and a "Taiwanese Language Hotline" services. When customers call the customer service hotline and enter the automated voice service process, the system automatically recognizes the input ID number and assigns a representative for assistance, reducing waiting time. Customers who require Taiwanese language support can select the Taiwanese language function through the voice menu, ensuring smooth communication.