元大金控
Social inequality has become a critical issue threatening economic stability. At the same time, the United Nations Sustainable Development Goals (SDGs) identify “Reduced Inequalities” as an essential action for global transformation. The Group is deeply committed to the principle of “financial inclusion,” recognizing financial services as a vital tool for promoting social mobility and economic justice. Accordingly, with the Board of Directors serving as the highest governance body, the Group promotes its “Financial Inclusion Policy” and related actions. We are dedicated to providing both financial and non‑financial inclusive products and services, refining management processes and internal training, and establishing simple and understandable grievance mechanisms based on market research.
Furthermore, we strengthen partnerships and external advocacy to protect the rights of vulnerable groups. Through innovative social finance products, we aim to eliminate barriers, foster inclusive economic growth, reduce inequality, and achieve social inclusion.
The Group advances financial inclusion by observing social trends and the needs of relevant customer segments, designing diversified products for different groups, and helping customers select solutions that best fit their needs and life stage. Through concrete actions, we leverage the impact of the financial industry.
Yuanta Bank offers charitable trust services to help corporations or individuals plan and set up charitable trusts. As of 2025, Yuanta Bank has handled five charitable trusts including “Mountains Fund,” “Huangwu Social Welfare Fund,” “Taian Social Welfare Fund,” “Shanlin International Charity Trust,” and “Cheng Shin Maxxis Social Welfare Fund.” The overall donation amount for public trusts reached NT$10 million, an increase of 25.52% compared to 2024.
Yuanta Bank responded to the Financial Supervisory Commission's policy on trusts for the elderly and people with disabilities by launching the “Eldercare Trust Warmth Project” and the “Elderly Care Trust Foresight Program.” These programs assist elderly customers in using elderly care trusts to plan for and safeguard their property, thereby achieving the goal of life care and support. As of 2025, the total trust assets amounted to NT$38.641 billion, of which elderly care trust assets (including disability trust assets) totaled NT$577 million, accounting for 1.49% of total trust assets. A total of 2,035,763 individuals has met the eligibility criteria for opening elderly care trust accounts (including disability trust accounts), with a cumulative total of 421 beneficiaries.
Unit: NT$ thousand| Type | 2024 | 2025 | ||||
|---|---|---|---|---|---|---|
| Total Trust Assets | Total Trust Assets OverallNote 1 | Proportion of Total Trust Assets (%) |
Total Trust Assets | Total Trust Assets OverallNote 1 | Proportion of Total Trust Assets (%) |
|
| Elderly Care Trust (including disability trust)Note 2 | 448,997 | 34,785,515 | 1.29 | 577,495 | 38,640,614 | 1.49 |
| Urban Renewal Trusts | 4,289,680 | 12.33 | 4,981,526 | 12.89 | ||
| Employee Welfare Trusts | 7,588,077 | 21.81 | 8,674,208 | 22.45 | ||
| Charitable Trusts | 175,187 | 0.50 | 186,089 | 0.48 | ||
| Total | 12,501,941 | 35.94 | 14,419,318 | 37.32 | ||
1. Total Trust Assets Overall does not include specific-amount trusts and funds under custody.
2. The total amount of disability trusts in 2025 is NT$30,989 thousand, accounting for 0.08% of the total trust assets, and there are 6 people benefited from this program.
As of December 31, 2025, the balance of loans outstanding qualified to programs designed to promote stable operation to 6,717 small and medium-sized enterprises was NT$248.9 billion. We hope to provide funding to assist SMEs with cash flow and in maintaining working capital, and to help SMEs to stabilize their operations.
Unit: NT$ thousand| Lending Categories | 2024 | 2025 | ||||
|---|---|---|---|---|---|---|
| Loan Amount | Total Amount of LendingNote | Proportion of Total Lending (%) | Loan Amount | Total Amount of LendingNote | Proportion of Total Lending (%) | |
|
SME/Micro/Small/ Small and Medium-sized Start-ups Loans |
227,387,936 | 640,163,183 | 35.52 | 248,946,966 | 248,946,966 | 30.99 |
In recent years, the Financial Supervisory Commission has continued to promote the development of financial technology (fintech), fostering a friendly fintech ecosystem and facilitating the introduction of relevant services or business models for greater efficiency, accessibility, usability, and quality of financial services. The Group values the digital financial service needs of different demographic groups. Following are the services promoted of 2025:
The Group is deeply committed to applying innovative technologies, implementing cybersecurity maintenance and risk prevention for digital service channels to ensure transaction stability and establishing a comprehensive mechanism for safeguarding customer rights. To achieve sustainable operations and digital transformation, each subsidiary integrates big data and artificial intelligence (AI) technologies to develop "low-carbon digital service procedures," connecting diverse life scenarios and creating a zero-time-lag financial ecosystem. Concurrently, the Group promotes internal process automation to reduce human error risk and resource consumption, thereby ensuring to enhance customer experience while pursuing operational efficiency and environmental friendliness.
In response to technological developments, the Group is actively deepening its AI use cases while complying with the Guidelines for Artificial Intelligence (AI) Applications in the Financial Industry and the Operational Standards for Financial Institutions Applying Artificial Intelligence (AI) Technologies promulgated by the competent authorities. These measures ensure that AI development is promoted under the principles of safety, fairness, and responsibility. The Group is committed to building highly efficient operations without cybersecurity risks, thereby delivering innovative and smart service experiences to our customers.
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.- 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.
- 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.
- 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.
- 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 negotiation.bank@yuanta.com. 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