Financial Inclusion

Promote financial products and services for small investments

The Group has established inclusive finance policies. Through feedback from customer surveys, discussions with external groups are conducted to tailor financial and non-financial products and services for underserved groups. To ensure the rights and interests of underprivileged groups, the Company has appointed the board of directors as the top supervisor of inclusive finance. The employees are trained to avoid aggressive, predatory sales tactics. Procedures to prevent excessive debt have been established and a simple and efficient communication channel has been set up for relevant issues.

Regular Shares Savings Plan

Year	2022	2023	Growth Rate (%)
Regular Shares Savings Plan (RSSP) Accounts	109,930	165,636	51
Number of Scheduled Deductions	279,299	471,120	69
Number of Scheduled Deductions(<NT$3,000)	171,677	301,963	76
Number of Transactions below NT$3,000 as a Ratio of the Total Number of Transactions (%)	61	64	5
Total Amount Invested Over the Year (NT$ billion)	109.88	179.59	63

Systematic Investment Planning (SIP)

Year	2022	2023	Growth Rate (%)
Regular Shares Savings Plan (RSSP) Accounts	839,383	759,546	-10
Number of Scheduled Deductions	8,181,138	6,755,163	-17
Number of Scheduled Deductions(<NT$3,000)	5,923,496	4,904,713	-17
Number of Transactions below NT$3,000 as a Ratio of the Total Number of Transactions(%)	72	73	1
Total Amount Invested Over the Year (NT$ billion)	303.17	228.09	25

Social Issue-Related Financial Products

The Group implements the core concept of financial inclusion and observes issues derived from social trends. According to the observation, diversified products designed for underprivileged and low-income groups are developed, so that the customers can choose the most suitable plan at the moment for themselves. In this way, the Group is able to make impacts to solve social change issues from the standpoint of the financial industry.

Products for Disadvantaged Groups

Long-Term Care Insurance, Low-Cost Elderly Insurance, and Microinsurance

The financially inclusive insurance products offered by Yuanta Bank and Yuanta Life are mainly long-term care insurance, low-cost elderly insurance, and microinsurance. These products provide the public with affordable coverage to plan for any personal risks.

Unit：NT$ thousand

Insurance Intended Customer Product	Number of Policies	Total Premiums	Intended Customer
Long-Term Care	97	5,400	Concerned with healthcare quality, risk conscious Family history of illness, potentially high-risk group Primary breadwinner Single or married without children
Low-Cost Elderly Insurance	94	2,731	Limited financial capacity, but wants basic life insurance protections Older customer who wants basic life insurance protections Does not want to be an economic burden on their children
Microinsurance	55	1,751	Economically disadvantaged Specified groups
Total	246	9,882	－

Charity Donation Platform

Yuanta Bank's “Give Love, Give Warmth” online donation platform has been completely upgraded and revamped, providing people with the convenience of using any bank IC card and a card reader to connect with the network of love. The platform offers support and assistance to social welfare organizations, so that they can feel the warmth of society. The cumulative number of donations made this year by Internet bank transfer was over 24 with a donation amount of about NT$42,333, and 755 by credit card with a donation amount of NT$1.746 million.

Support for SMEs and New Startups

Yuanta Bank issued 7,873 loans this year to small and medium-sized enterprises (SMEs) to promote their stable operation. The lending targets are SMEs that meet the criteria for SMEs forwarded by Taiwan’s Executive Yuan. We hope to provide funding to assist SMEs with cash flow and in maintaining working capital, and to help SMEs to stabilize their operations. Of the following loans to SMEs, the balance of loans to 5,280 small and new SMEs was NT$143.9 billion and the balance of loans to 1,292 micro enterprises was NT$350 million. The remaining number of loan accounts and balances are for general small and medium-size enterprises. This was done to support the growth of micro enterprises and promote economic development.

Unit：NT$ thousand

Lending Categories	2022			2023
Lending Categories	Loan Amount	Total Amount of Lending(Note)	Proportion of Total Lending(%)	Loan Amount	Total Amount of Lending(Note)	Proportion of Total Lending(%)
SME/micro/small/small andmedium-sized start-ups Loans	171,995,449	492,459,811	34.93	187,632,352	536,589,703	34.97

Note：Total Amount of Lending is defined as the total lending balance from Corporate Banking for the Yuanta Bank.

Friendly Debt Care Center

Service description:

In order to help our customers to relieve the pressure of debt repayment, Yuanta Bank is willing to provide you with a “customized repayment plan” if you are willing to come forward. If you are facing financial difficulties for a specific reason (such as due to major changes, sharp income reduction, unemployment, unstable income, serious illness, imprisonment, coming from economically disadvantaged groups, and other reasons that make it difficult for you to repay your debts), please allow Yuanta Bank to work with you to resolve and customize your debt negotiation, consolidation, and repayment plan, so that you can easily face your current debt management challenges. It is inevitable to be troubled by “debts” in life, and only by facing them bravely can we move towards “money”!

Yuanta Bank reminds you! Disputes and frauds involving agents are common. Please call us by yourself directly, which is without any charge. Do not trust or entrust an agent to avoid being cheated and deceived.

Applicable to: Pursuant to the Consumer Debt Clearance Statute

Eligibility:

You have not participated in the unsecured debt negotiation mechanism for consumer financial cases of the Bankers Association of the Republic of China.
You have participated but failed in the unsecured debt negotiation mechanism for consumer financial cases of the Bankers Association of the Republic of China.
You have successfully participated in the unsecured debt negotiation mechanism for consumer financial cases of the Bankers Association of the Republic of China but have already settled the case.
You have applied for pre-negotiation but are deemed to have never started. However, if the reason for being deemed as never started is not due to lack of application qualifications or inconsistent documents, you need to wait 6 months from the date of rejection before you can reapply.
You are a natural person who has not engaged in any business activities in the past 5 years, or has only engaged in small-scale business activities with business revenues averaging less than NT$200,000 per month.
You are indebted to a financial institution due to consumer loans, residential loans, credit cards or cash card contracts. The aforementioned financial institution, as defined by the competent authority, includes banks, credit cooperatives, credit departments of farmers’ and fishermen’s associations, credit card institutions, Chunghwa Post Co., Ltd., and insurance companies.
You have difficulty repaying debts to financial institutions on time.

Application documents:

Please prepare the following documents, fill in all the information, and send them by registered mail to the largest financial institution creditor to apply.

Pre-negotiation Form.Download link>>
Front and back photocopy of national ID card.
Applicant wealth and income declaration.
List of Creditors (Please apply to the Joint Credit Information Center for a list of creditors within the past month.); List of Private Creditors (Please fill in the list of private creditors yourself).
A list of personal assets as of the past 1 month and an income tax assessment for the past 2 years, both issued by the National Tax Bureau.
Proof of salary for the last 3 months (original pay slip or photocopy of account passbook with salary transactions displayed; if no documents specified in this item 6 can be provided, a written affidavit of income shall be provided.).
Original proof of labor insurance coverage documents if you are covered by national labor insurance (request from your local labor insurance bureau office).
If the original loan type requires a guarantor, a pre-negotiation guarantor consent letter must be attached.

How to apply:

After you have prepared the aforementioned documents, please send the application by registered mail to the largest financial institution creditor listed on the list of creditors of financial institutions at the Joint Credit Information Center.
Unless you need to authorize a family member or relative to apply due to reasons such as serious illness, imprisonment, etc., and can provide supporting documents, the application must be submitted by you yourself.
If the authorized family member or relative is applying for the application, he/she must provide proof of his/her relationship with you (such as a copy of the front and back of the authorized person’s ID card or the original household registration transcript) and the original authorization letter.

Notes:

Pre-negotiations are a necessary step before your loan can be reorganized or cleared. Debtors need only request for pre-negotiations from their largest financial institution creditor.
Applicants must agree that, after the application for the pre-negotiation plan begins, all financial institutions may stop the applicant from using the unused balance of existing credit cards, cash cards and loans, stop approving new credit limits, or forcibly suspend the use of all credit cards and cash cards of financial institutions. In addition, financial institutions may perform creditor preservation operations such as deposit offsetting.
Applicant service hotline: 02-2182-6105; Monday to Friday 09:00-17:30
Outside of these hours, please contact our customer service hotline instead: 02-2182-1968 / 0800-688168
Yuanta Bank has a dedicated email account for receiving customer inquiries regarding loan pre-negotiation services under the Consumer Debt Clearance Statute at [email protected]. Please leave your contact details in order to allow Yuanta Bank’s dedicated personnel to follow up on your inquiries.
Address to send the application to: Negotiation Division, Debt Management Department, Yuanta Bank
5F, No. 66, Section 1, Dunhua South Road, Songshan District, Taipei City 105, Taiwan
The Bankers Association of the Republic of China website:http://www.ba.org.tw
Financial Supervisory Commission website: https://www.fsc.gov.tw