Chang Hwa Bank|Corporate Social Responsibility-Intellectual Property Management

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Intellectual Property Management

The Bank's 2025 annual intellectual property management plan continues the original intellectual property management policy and adjusts the annual management objectives with the regular review of the management system to gradually improve the Bank's intellectual property management mechanism. The previous management plan has been successively submitted to the Intellectual Property Management Review Meeting, the Sustainability Management Committee and the Board of Directors for consideration and approval, and has been announced on the official website of the Bank as an important guideline for the Bank to promote matters related to intellectual property management.

CHB Management Plan & Its Performance of IPs

Organization Chart of CHB IP Management

Commitment

The Bank shall precipitate its IP management to meet several requirements such as achievement of sustainable development goals, combination with FinTech development, promotion of R&D efficiency and support for social development.
The Bank shall ensure its IP management systems formed follow a "Plan-Do-Check-Act, PDCA" management cycle.
The Bank shall obey relevant IP laws, internal rules and contract terms.
The Bank shall value and actively manage its own IPs, and respect IP of others.
The Bank shall take relevant measures to protect its own rights when IP infringement occurred or someone claims IP infringement caused by the Bank.

Goals and Performance

Implementation of management for IPs of the Bank in 2024 was as follows:

Enhance employee knowledge of intellectual property (including patent rights and trademark rights)

Conducted 3 IP e-class - 1 for all employees of the Bank, and 2 for IP administrators.
Appointed 1 IP administrators to attend “2024 TIPS (Level A) IP Management Training Program” authorized by IDA, MOEA, and obtained the certificate of TIPS evaluator.

Get Level A certificate after inclusion of Patents in “Taiwan Intellectual Property Management System” (TIPS) validation Scope.
The Bank passed TIPS (Level A) re-verification in 2024, with verification covering trademarks and patents, and the certificate is valid until December 31, 2026.
Continuously optimizing the Bank's patent and trademark management system and the functions of the patent management system.

Integrate and revise regulations related to intellectual property management and trademark management, and complete the formulation of patent management-related regulations.
Complete the upgrade and launch of the patent management system. This upgrade integrates the reporting process for all stages of patent applications in a one-stop manner, and through system error-prevention mechanisms and hierarchical supervisory approval controls, improves patent application quality while ensuring compliance with TIPS (Level A) standards.
Conduct internal audits on trademark and patent management systems respectively, and all deficiencies found in the audits have been corrected and improved.

Monitoring the infringement of the Bank’s patents and trademarks by others and the infringement of others’ rights.

The Bank entrusts external professional institutions to conduct online detection of impersonation of the Bank's websites, apps, and social media (IG, Facebook). If assessed to pose risks of damage to the Bank, the institution is immediately notified to assist in removal. Additionally, the Bank joined the "Financial Information Sharing and Analysis Center" (F-ISAC) to share intelligence on counterfeit media platforms with members to jointly defend against malicious impersonation by third parties. In 2024, a total of 16 cases of counterfeit or phishing website intelligence were received, all of which were reported to the institution for assistance in removal.
In 2024, it was reported that fake loan short videos using the Bank's trademark were posted on the TikTok platform. The Bank has issued a statement to remind the public and actively handled reports and removal, confirming that the short video has been removed.

IP portfolio and incentive for innovation

In 2024, the Intellectual Property Office approved a total of 5 invention patents and 9 utility model patents.
In 2024, 26 employee patent innovation R&D incentives were awarded (10 invention patents/16 utility model patents), totaling NT$276,000.

We actively apply the trademark and patent rights we have acquired to our business operations in order to enhance customer satisfaction and brand value.

In order to increase media exposure, the Bank has been utilizing newly registered trademarks in recent years for business marketing, promotion, and corporate image enhancement activities: In 2024, in addition to being used in promotion projects such as " CHB Mortgage for Existing Clients, Loan Surprise Every Month ", " Fixed-Term Fixed-Amounts Financial Freedom, Securities Give Me Five " and " Boa Coins Project ", it is also widely used in advertising on the bank's official website, social media and charity activities, which helps enhance the bank's corporate image and brand value.
In strategic and business planning, evaluate the inclusion and application of patent rights already obtained by the Bank, such as utilizing the Bank's patented "Loan Review Assisting System Based on RPA" to improve the efficiency of civil service loan credit reviews, reducing internal operational labor costs and enhancing operational efficiency.