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Financial Inclusion
Promote financial products and services for small investments

The ultimate goal of the international community is to enhance the accessibility of financial products and services and to provide affordable financial products and services that meet the needs of the public on an ongoing basis. The Group develops new and innovative products and promotes appropriate services to meet the needs of different groups, utilizing the core business of the financial industry to promote inclusive economic development and the well-being of the public. In recent years, due to the liberalization of intraday odd-lot trading and the rise of digital financial platforms, young investors have become a key driver for the growth of the stock market, but because they have limited funds available for investment, the demand for small investments has risen. In addition, the demographic structure of Taiwan is gradually moving towards a super-aged society, which has led to an increasing demand for retirement financial planning. The Group has designed a dollar-cost averaging and dual-dividend payout mechanism, and in conjunction with the use of the digital investment platform, gives rise to the completion of customized investment portfolio using small investment amounts. By providing stable monthly dividend income, small investors and the elderly can easily participate in the investment market, thus realizing financial inclusion.


Regular Shares Savings Plan
Year 2021 2022 Growth Rate (%)
Regular Shares Savings Plan (RSSP) Accounts 76,869 109,930 43
Number of Scheduled Deductions 159,116 279.299 76
Number of Scheduled Deductions(<NT$3,000)81,467 171,677 111
Number of Transactions below NT$3,000 as a Ratio of the Total Number of Transactions (%) 51 61 20
Total Amount Invested Over the Year (NT$ billion) 79.25 109.88 39

Systematic Investment Planning (SIP)
Year 2021 2022 Growth Rate (%)
Regular Shares Savings Plan (RSSP) Accounts 349,796 839,383 140
Number of Scheduled Deductions 7,229,288 8,181,138 13
Number of Scheduled Deductions(<NT$3,000)3,216,345 5,923,496 84
Number of Transactions below NT$3,000 as a Ratio of the Total Number of Transactions(%) 44 72 65
Total Amount Invested Over the Year (NT$ billion) 349.67 303.17 -13

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 their personal risks.

Unit:NT$ thousand
Insurance Intended Customer Product Number of Policies Total Premiums Intended Customer
Long-Term Care 798 10,380
  • 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 208 5,049
  • 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 73 1,778
  • Economically disadvantaged
  • Specified groups
Total 1,079 17,207
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 44 with a donation amount of about NT$27,168, and 487 by credit card with a donation amount of NT$1.284 million.

Support for SMEs and New Startups

Yuanta Bank lent 7,918 loans to small and medium-sized enterprises (SMEs) to promote their stable operation on December 31, 2022. 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 4,994 small and new SMEs was NT$127.9 billion and the balance of loans to 1,477 micro enterprises was NT$590 million. This was done to support the growth of micro enterprises and promote economic development.

Unit:NT$ thousand
Lending Categories 2021 2022
Loan Amount Total Amount of Lending(Note) Proportion of Total Lending(%) Loan Amount Total Amount of Lending(Note) Proportion of Total Lending(%)
SME and Microenterprise Loans 170,102,117 411,623,889 41.32 171,995,449 492,459,811 34.93

Note:Total Amount of Lending is defined as the total lending balance from Corporate Banking for the entire bank.。