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Yuanta Bank – Products and Services

Yuanta Bank’s corporate finance business offers its clients a full range of services, including capital financing and comprehensive financial solutions. By analyzing client types, understanding their goals and operational requirements, Yuanta Bank helps its corporate clients reach comprehensive “one-stop shopping” financial solutions, and has established a reputation on the market for excellence in this area. Yuanta Bank not only works with large corporate clients to provide syndicated loan services, but also provides credit financing services to domestic small and medium enterprises (SMEs). In addition to these corporate finance services, Yuanta also offers top grade wealth management services to the managers of SMEs. To help our corporate clients implement their investment plans or establish their medium to long-term working capital needs, for corporate clients with strong operations and sound financial structures, or those which can put up collateral or other guarantees, Yuanta provides a range of medium and long-term capital financing services to meet our clients’ corporate funding needs.

Credit Business

Yuanta Bank assists its corporate clients in their daily operations by helping them to meet their short, mid, and long-term working capital needs. For corporate clients with healthy operations and a strong capital structure, as well as those providing collateral, Yuanta provides a wide range of financing services to help clients meet their regular, temporary, seasonal, or long-term capital needs.

Offshore Banking Unit

In line with the internationalization of finance and the global expansion of our client base, Yuanta Bank has moved rapidly to build a corporate financial services network, providing international corporate clients with capital solutions and financial products and services, and has continued to make its international corporate clients a focus of its business development, as well as providing relevant financial products and services.

Consumer finance is a highly customer-driven field, and Yuanta Bank strives to provide a comprehensive and diversified range of financial products and services, including mortgage loans, car loans, financial loans, credit loans, and credit cards, to meet our customers’ personal finance, financing, and payment needs. With the rise of digital finance, Yuanta has continued utilizing Fintech as a means of integrating its virtual and physical channels. With its fast, convenient online application procedures, Yuanta has integrated with its physical channels to provide one-stop, customized, and customer-friendly services, upholding business philosophy of “integrity, stability, service, innovation, and care”, and further developing its consumer finance services.

Deposit/Exchange Services

Yuanta Bank provides NTD deposits, foreign currency deposits, gold passbooks, ATM cards, and Western Union transfer services, as well as a variety of deposit benefit plans. With considerate service and care, Yuanta satisfies the full range of its customers’ deposit-related needs.

Credit Cards

To provide comprehensive credit card services, Yuanta introduced its “Diamond Gold Card” series. This series not only included an international travel high-spending reward program, combined with free international internet, airport parking, city parking, and other benefits, but also integrated popular electronic stored value cards to provide payment options for transportation and convenience stores, satisfying the lifestyle and recreation needs of our credit card customers.

Personal Loans

In order to meet all of our customers’ financing needs, Yuanta Bank provides mortgage loans, credit loans, car loans, and stock loans, among a full range of other financing products. Customers can select suitable financing options based on the length of their capital requirements or the status of their collateral. In addition to standard mortgage loans, credit loans, and car loans, Yuanta has also offered less common services, such as stock loans (including beneficiary loans), giving customers another choice for making use of their idle assets. By offering a quick, convenient application process and providing the most flexible, customized financing services, while also maintaining strict controls on potential risks, Yuanta strives to help its customers realize stable growth in both asset size and profitability.

Wealth Management

Yuanta Bank wealth management places “diligence, care, and sincerity” at the core of its service ethos. By treating the customer’s interests and perspective as our starting point, we integrate Yuanta Financial Holdings’ plentiful resources and deliver tailor-made solutions, providing clients with a comprehensive wealth management platform, and clients to accumulate capital and maximize its value. Yuanta Bank’s wealth management business has been recognized with numerous awards in recent years, including Wealth Magazine’s 2017 awards for Best Wealth Management Team for a Domestic Bank, Best Services for a Domestic Bank, and Best Visual Marketing for a Domestic Bank. With the help of Yuanta Bank’s professional wealth management team, whether you are investing your “first pot of gold” or doing financial planning for the coming generations, we can design tailor-made individual, family, and company wealth management plans, as well as offering “one-stop” financial consulting services, helping you to achieve your dreams at each stage of life.

With ever more widespread use of the internet and the rise of digital technology, Yuanta Bank has stayed abreast of the latest development trends in digital finance, gradually encouraging customers to move from traditional financial channels to digital channels, and providing them with simple, convenient, and secure services to give them planning direction. At the same time, we have optimized user experience in accordance with our customers’ preferences, making our services continually more attractive as a usage option. Into the future, Yuanta will focus on resource integration, customer management, and cross-industry collaboration as major themes of its operational strategy. By actively moving to integrate digital channels, developing digital products, expanding cross-border payment services and online-to-offline payment flow services, continuing to invest in Fintech advancements, conducting trials with various low-level digital technology applications, Yuanta will provide its customers with comprehensive financial services, and meet our customers’ needs by continuing to round out our digital finance services.

Mobile Banking

Yuanta Bank has continued to optimize its mobile app in line with the latest trends, utilizing flat design and touchscreen interface, with exchange rate trends presented in chart graphics, and tabs to clearly display all available functions, providing users with a simple, intuitive-style interface. In addition to financial services, the mobile banking app incorporates lifestyle-related functionalities, as we continue to test out and provide non-finance related services, as a part of our goal to innovatively fuse financial and lifestyle topics within the app, and create truly differentiated digital services for our customers.

Personal Banking

To provide our customers with even faster and more convenient digital finance services, online banking with Yuanta offers services in deposits, foreign exchange, gold, loans, wealth management, and credit cards among others, as well as introducing new products and promotional activities aimed at target customers in various markets, in order to fulfill a wide range of customer needs. Yuanta also consistently updates and improves its platform services, in an effort to design even more convenient online banking services, with the goal of increasing customer satisfaction and loyalty and developing truly full and comprehensive digital finance services.

Corporate Online Banking

To provide our corporate clients with an even more convenient financial services platform, Yuanta Bank has foreign currency non-predesignated exchange, appointment business, and bulk remittance services, giving foreign currency fund procurement “anytime, anywhere” flexibility. Into the future, Yuanta’s corporate online banking services will focus on customization, by building tailor-made payment services for corporate customers and strengthening our security systems, providing cross-platform support and optimizing user experience.

Yuanta e-School

The top choice in terms of cooperation between domestic institutions of higher learning and the financial industry, Yuanta e-School offers diversified payment services to expand financial services cooperation with domestic universities and colleges. By building a diverse range of payment channels and tools, we have made it convenient for both domestic and international students to make payment inquiries, and provided customized services to meet the payment and procedural requirements of cooperating schools, including by integrating the schools’ payment systems in accordance with their requirements, saving them accounting manpower, and helping participating schools reach their goals in terms of automation and digitization of accounting systems and services.