永豐銀行 Bank SinoPac

Actively develop Sustainable financial products and services

1. Issued NTD 1 billion in sustainable development bonds for renewable energy and energy technology projects as well as social welfare investment plans. Cumulative issuance of sustainable bonds totaled NTD 12.4 billion.

2. Financing for green energy equipment and its supply chain exceeds NTD 162 billion. Solar energy plants hold a market share of over 30% market share in installed capacity. Reaching 400 MW in installed capacity for wheeling on the Green Energy Electricity Trading Trust Platform.

3. Promoting green energy financing and services, including the continuous development of financing solutions for emerging renewable energy power generation facilities and develop services necessary for the wheeling of renewable energy electricity for borrowers of Bank SinoPac with electricity retailers communicate the business model and green financing services to external entities and organize internal training programs.

4. Continued to promote products and services that support energy conservation and carbon reduction, such as the “Green Cards” with cash rebates, syndicated loans for green building urban renewal, green mortgages, and carbon footprint tracking features.

5. Host sustainability and climate seminars/forums, issues including net-zero and climate, anti-fraud awareness, and eldercare and property trust. We took part in the “Energy Taiwan” exhibition, hosted 8 seminars in the exhibition area, inviting experts from industry, government, and academia to share strategies, developments, and practical approaches to sustainability from both governmental and corporate perspectives.

6. In alignment with the second edition of the Guidelines for Sustainable Economic Activities Recognition (Guidelines) announced by the Financial Supervisory Commission (FSC), Bank SinoPac encouraged clients to complete the ESG Questionnaire, and performs the financing, investment, and asset management evaluations in reference to the Guidelines. As of the end of 2025, the proportions of eligible sustainable economic activities are as follows: corporate Finance 20.88%, Retail Finance 0.02%, Investment 15.87%.

Implement responsible investment

1. Enhance ESG due diligence to include aspects of Climate Change, biodiversity, social, and corporate governance.

2. Enhance responsible investment and implement adjustments based on the results of the pilot program for risk management mechanisms; deploy sustainable strategic investment positions.

3. Enhance stewardship, enhance voting and engagement policies, and enhance the stewardship rating.

4. Integrate the "Taiwan Sustainable Taxonomy" into investment processes.

Implement responsible lending

1. Continue to promote the green loans and use funding, products/services, and engagement to support business transition.

2. Evaluate the inclusion of the "Taiwan Sustainable Taxonomy" into the lending procedures based on the schedule in accordance with the FSC and the Bankers Association’s lending guidelines. Invited corporate clients to complete the Corporate Self-Assessment Questionnaire for ESG Information to review the applicability and compliance of their economic activities with the referenced Taxonomy.

3. Continue to enhance the use of customers' ESG information as reference information for lending decisions.

Promote inclusive financial services

1. Offered small, fee-free revolving credit loans for families.

2. Upgrade the "DA BOSS ecosystem platform" to provide companies with integrated solutions and support SMEs and startups in their digital transformation.

3. Created the industry's multilingual ADMigrant Pay that supports 5 languages. It provides migrant workers with cardless cash payment services to create more convenient payment channels.

4. Continue to offer startup funding for young entrepreneurs, first home purchase mortgages, deposits, funds, and various micro-products, supporting inclusive finance.

Promote Digital Innovation (Services)

1. Promoted and optimized digital products like "DAWHO," "SinoPac Robot Advisor - ibrAin," "ShareShares," and "DACARD".

2.  

   Innovatively launched “SinoPac iWish,” a conversational banking service that leverages generative AI to integrate voice, text, and image recognition technologies. It enables customers to pre-fill transaction information through intuitive conversations,  delivering a more convenient, accessible, and human-centered banking experience.

3. Upgrade the Orbit.AI service to provide information on trends with the use of generative AI technology. It helps customers quickly grasp and continuously monitor market trends.
4. Enhanced traditional processes (Smooth), provided intelligent services (Smart), and personalized in-branch experiences (Sweet) to offer fully digital branch services.