As a trusted brand that grows with our customers, Yuanta Group has been paying attention to international sustainability trends, following the United Nations Principles for Responsible Investment (PRI) and United Nations Principles for Responsible Banking(PRB), signing up to the Equator Principles and disclosing sustainability-oriented indicators that have a significant financial impact in accordance with the SASB standards issued by the Sustainability Accounting Standards Board, highlighting industry risks and opportunities, and effectively communicating sustainability information that has a significant financial impact. As a financial institution that society relies on, we manage our capital to exert a positive influence, allocate capital resources to support sustainable industries, introduce diversified and differentiated products and services according to different businesses, and actively develop ESG innovative businesses, leading our clients to support sustainable financial development together.

The "Sustainable Finance Guidelines" serve as a principle-based framework and guidance at the financial holding company level. The Company incorporated ESG factors into its daily operations and decision making, regulated a list of ESG issues of concern, instituted a list of industries to be actively supported, standardized the list of companies to be avoided, and strengthened due diligence and prudent evaluation of ESG high-risk targets. Also, in order to guide our counterparties to pay attention to governance, environmental, and social risks and to fulfill their responsibilities as global citizens, we assessed their ESG performance when conducting "know your customer" (KYC), "customer due diligence" (CDD) or drafting investment reports. The "Sustainable Finance Guidelines" is used as a standard for our subsidiaries to implement criteria for sustainable lending and investment. We follow the rules to implement sustainability into our business planning and operations, and incorporate the spirit of sustainability into financial products and relevant services. Our business counterparties’ awareness of sustainability is also enhanced through the constant communication of sustainability related risks and opportunities during the business process.
In order to further strengthen the ESG screening mechanism in the Group's investment and lending business, the Company set up the "Industry-Specific Environmental and Social Risk Management Rules," stipulating that when performing business with companies engaged in environmental and socially risky industries, such as steel manufacturing, semiconductor manufacturing, and plastic material manufacturing, case processers are to fill out the "Industry-Specific Environmental and Social Risk Management Checklist" applicable to their subsidiary to understand the management measures of business counterparties in the social and environmental aspects, to examine the potential social and environmental risk impact of the customers and their ability to adjust to environmental and social risks, and ensure risk control of the transactions.
Sustainable Finance Guidelines Industry-specific Environmental and Social Risk Management RulesClimate Finance Operations Guidelines
The Yuanta Group's subsidiaries have launched the following list of products. As of December 31, 2024, Yuanta Securities has 7 ETNs that tracks the sustainability index compiled by Taiwan Index Plus Corporation (including ESG, green energy and electric vehicles) with 50,000 units of ETNs outstanding in circulation and an outstanding amount of approximately NT$0.415 billion; as of December 31, 2024, Yuanta Funds has 2 ESG-themed funds with a total fund size of NT$19.914 billion; in 2024, Yuanta Futures promoted 2 overseas ESG futures and 1 Taiwan ESG Index Futures, F4G TIP TW ESG Futures, with an annual trading volume of 735 contracts.
Proprietary Sustainable Investment Products *Note1 | 2023 | 2024 | ||||
---|---|---|---|---|---|---|
Asset Size (NT$ thousand) |
Total Assets (NT$ thousand) |
Proportion of Total Assets (%) |
Asset Size (NT$ thousand) |
Total Assets (NT$ thousand) |
Proportion of Total Assets (%) |
|
ESG Integratio *Note2 | $29,432,933 | $1,489,860,084 | 1.98 | $22,339,761 | $2,228,027,600 | 1.00 |
Best in Class *Note3 | $636,383,564 | 42.71 | $870,453,322 | 39.07 | ||
Thematic *Note4 | $10,530,193 | 0.71 | $9,657,048 | 0.43 | ||
Impact Investing *Note5 | - | - | - | - | ||
Other *Note6 | $95,503,368 | 6.41 | $217,981,973 | 9.78 | ||
Total | $771,850,058 | 51.81 | $1,120,432,104 | 50.28 |
- It references the S&P Global Corporate Sustainability Assessment (CSA) for the classification of sustainable investment products.
- Incorporate the ESG model into the design of financial products or set up relevant selection principles to systematically integrate ESG factors into investment analyses and decision-making.
- Select industries, companies, or projects with relatively more favorable ESG performance when designing financial products.
- Invest in a single or multiple thematic sustainability-related targets (e.g., climate change or clean energy) when designing financial products.
- Have measurable social and environmental impact and financial returns when designing financial products.
- Other: Funds that promote environmental or social characteristics, or have sustainable investment objectives—including but not limited to funds categorized under Articles 8 or 9 of the EU Sustainable Finance Disclosure Regulation (SFDR), or funds not classified under the above categories.
Third-Party Sustainable Investment Products *Note1 2023 2024 Asset Size
(NT$ thousand)Total Assets
(NT$ thousand)Proportion of Total Assets
(%)Asset Size
(NT$ thousand)Total Assets
(NT$ thousand)Proportion of Total Assets
(%)ESG Integration *Note2 $643,533 $201,872,831 0.32 $148,376 $201,431,937 0.07 Best in Class *Note3 $1,411,684 0.70 $1,306,93 0.65 Thematic *Note4 $1,664,693 0.82 $1,220,411 0.61 Impact Investing *Note5 $2,356,020 1.17 $809,532 0.40 Total $2,768,396 $6,075,930 3.01 $3,485,251 1.73 - It references the S&P Global Corporate Sustainability Assessment (CSA) for the classification of sustainable investment products.
- Incorporate the ESG model into the design of financial products or set up relevant selection principles to systematically integrate ESG factors into investment analyses and decision-making.
- Select industries, companies, or projects with relatively more favorable ESG performance when designing financial products.
- Invest in a single or multiple thematic sustainability-related targets (e.g., climate change or clean energy) when designing financial products.
- Have measurable social and environmental impact and financial returns when designing financial products.
ISO 14067: 2018 Product Carbon Footprint VerificationThe carbon footprints across all Yuanta Bank credit card types were certified by the BSI in 2022, making Yuanta the first in the industry to inventory the carbon footprint of its mobile banking app. In addition, Yuanta Bank implemented a carbon neutrality project which was likewise certified by the BSI. The bank became the first financial institution in Taiwan to obtain both ISO 14067 Carbon Footprint verification and PAS 2060 Carbon Neutrality verification. In response to growing demand for mobile payment services, Yuanta Bank's "Mobile Scan Payment Service" passed the British Standards Institution (BSI) ISO 14067 Product Carbon Footprint verification in November 2023, becoming the first financial institution to voluntarily conduct carbon footprint verification for its "Mobile Scan Payment Service." Furthermore, in February 2024, it advanced to obtain carbon labels issued by the Ministry of Environment.
The mobile application known as “Mr. Investor” of Yuanta Securities has already obtained ISO 14067 product carbon footprint verification and PAS 2060 carbon neutrality verification from the BSI in 2022, which is the very first mobile application among the entire securities industry to pass the international carbon neutrality certification. In 2023, Yuanta Securities provided assistance to the Ministry of Environment in the formulation of the Product Category Rules (PCR) for the "Securities, Futures, and Investment Trust/Consulting Industry Online Services." This initiative led the securities, futures, and investment trust and consulting industry to establish rules as industry-standard practices. Under " Yuanta Securities Online Financial Service," carbon footprint verification was conducted for various online services including application, transactions, and inquiries. The ISO 14067 International Carbon Footprint Calculation Standard was used to examine the carbon footprint of online services used by investors of the Company, covering stages from raw material acquisition to service delivery and waste disposal. The carbon footprint of each online service was approximately 285 milligrams. In April 2023, "Yuanta Securities Online Financial Service " passed the BSI ISO 14067 Product Carbon Footprint verification, and in June, obtained the Environmental Protection Administration's carbon footprint labels. This achievement marked Yuanta Securities as the first benchmark operator in the securities industry to pass international carbon footprint verification and obtain domestic carbon labels. It aims to reduce the environmental impact during operations and encourage customers to move towards a low-carbon and green lifestyle.
Going Paperless Promotes Green LivingYuanta Bank launched the "Diamond-Gold Carbon Lucky Account," allowing customers to track their carbon footprint through the "My Carbon Account" section in the Yuanta Mobile Banking app. This feature helps customers understand the reduction in paper usage achieved through electronic transactions, encouraging them to integrate such practices into their daily lives. Additionally, the bank introduced preferential rates for online currency exchange and promotions for online applications for regular fixed-amount daily deductions. These initiatives make it easy for customers to participate in carbon reduction efforts with just a few clicks while enjoying various benefits. This year, Yuanta Bank customers saved approximately 340 million A4 sheets through digital services, representing a 33% increase compared to the previous year.
Moreover, Yuanta Bank has launched a special section on its official "Diamond-Gold Carbon Lucky Account" website, featuring articles that explore the connections between daily climate, dietary, and ecological issues with carbon reduction topics. These articles encourage customers to change their behaviors to maximize the benefits of digital transactions in conserving resources and reducing overall energy consumption. To achieve its environmental sustainability goals and fulfill its social responsibility, Yuanta Bank obtained dual international certifications for its mobile banking services in 2022, completing both the ISO 14067 product carbon footprint verification and PAS 2060 carbon neutrality verification. In 2023, it carried out the ISO 14067 product carbon footprint verification for its Mobile Scan Payment Service after passing verification by the third-party certification body, British Standards Institution (BSI). In 2024, the bank received the carbon label for "Financial Online Services" issued by Taiwan's Ministry of Environment.
To further promote "environmental protection, low-carbon lifestyles, healthy living, and eco-friendly recreation," Yuanta Bank partnered with the Cycling Life Style Foundation to launch the "FunBikey Free Ride" event in 2024. Participating customers who rent bicycles at the Fun Bike rental station along the New Taipei City riverside using mobile payment (Taiwan Pay) can enjoy exclusive discounts and rewards. Through this campaign, Yuanta Bank wishes to make a greater active contribution to environmental protection and healthy lifestyles.