Financial Inclusion

Commitment to Implementing Financial Inclusion

To strengthen a finance-friendly environment, the Group has established and is implementing policies of financial inclusions. We tailor financial and non-financial inclusive financial products and services to underserved populations, such as establishing procedures to prevent over-indebtedness, training staff to avoid hard-sell tactics, providing easy and efficient communication channels, promoting market research and customer feedback, and strengthening partnerships and external initiatives. Moreover, our Board of Directors is the highest supervisory body for financial inclusion, and we are committed to protecting the rights and interests of the underprivileged.

On the other hand, besides making every effort to implement financial inclusion, Yuanta Group places great emphasis on the accuracy and appropriateness of descriptions and promotional materials with regard to insurance and financial products in an attempt to protect consumers from misleading claims about sustainability features. As a response to the "Guidelines for Financial Institutions on Greenwashing Prevention" issued by the Financial Supervisory Commission in May 2024, Yuanta Bank revised its "Insurance Product Promotional Material Review Checklist" in August 2024. The revised checklist is used to review product promotional documents provided by insurance companies, incorporating principles for sustainability-related statements as assessment criteria, in order to ensure consumer rights and further establish brand trust.

Inclusive Financial Products and Services

Non-Financial Support for Financial Inclusion

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

Quasi-Long-Term Care Insurance and Low-Cost Elderly Insurance

Yuanta Bank and Yuanta Life offer insurance products such as "Quasi-Long-Term Care Insurance" and "Low-Cost Elderly Insurance" to provide affordable and accessible coverage protection for the public and plan for any personal risks.

Unit：NT$ thousand

Insurance Product	Number of Policies	Total Premiums	Intended Customer
Quasi-Long- Term Care	92	4,833	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	63	1,665	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
Total	156	6,498	－

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. The cumulative number of donations made in 2024 by Internet bank transfer was over 37 with a donation amount of about NT$52,215, and 617 by credit card with a donation amount of NT$1.598 million.

Support for SMEs and New Startups

As of December 31, 2024, the balance of loans outstanding qualified to programs designed to promote stable operation to 7,627 small and medium-sized enterprises was NT$227,387,936 (thousand dollars). 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. Among the total loan amounts for small and medium-sized enterprises (SMEs), outstanding loans for micro-businesses, small businesses, and startup SMEs amount to NT$176.6 billion across 5,683 accounts. The remaining loan accounts and balances pertain to general SMEs, ensuring continuous support for the operational growth of SMEs and startup enterprises and promotion of economic development.

Unit：NT$ thousand

Lending Categories	2023			2024
Lending Categories	Loan Amount	Total Amount of Lending(Note)	Proportion of Total Lending(%)	Loan Amount	Total Amount of Lending(Note)	Proportion of Total Lending(%)
SME/micro/small/small andmedium-sized start-ups Loans	187,632,352	536,589,703	34.97	227,387,936	640,163,183	35.52

Note：Total Amount of Lending is defined as the total lending balance from Corporate Banking for the Yuanta Bank.

Diversified Trusts

Yuanta Bank offers charitable trust services to help corporations or individuals plan and set up charitable trusts. Each year, we publish the annual trust transaction report and asset statement of each trust on our website to make donation flows more transparent. Actions that directly or indirectly promote public welfare can be achieved without the involvement of the principal. Through the Yuanta Bank, the general public can assist socially disadvantaged groups by donating or joining public trusts, allowing altruistic individuals with the opportunity to contribute to society. As of 2024, 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$7 million.

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" in the fourth quarter of 2021. The "Elderly Care Trust Foresight Program" was launched in October 2022, assisting the elderly in planning for eldercare trusts to safeguard their property and achieve the goal of life care and support. As of 2024, the total trust assets amounted to NT$34.786 billion, with elderly care trust assets and disability trusts totaling NT$449 million, accounting for 1.29% of the total trust assets. A total of 1,918,952 individuals have met the criteria for opening elderly care trust and disability trusts accounts, with 381 beneficiaries.

NT$ thousand

Type	2023			2024
Type	Total Trust Assets	Total Trust Assets Overall^*Note1	Proportion of Total Trust Assets(%)	Total Trust Assets	Total Trust Assets Overall	Proportion of Total Trust Assets(%)
Elderly Care/Disability Trusts^*Note2	453,352	33,974,229	1.33	448,997	34,785,515	1.29
Urban Renewal Trusts	3,137,911		9.24	4,289,680		12.33
Employee Welfare Trusts	7,373,694		21.70	7,588,077		21.81
Charitable Trusts	165,185		0.49	175,187		0.50
Total	11,130,142		32.76	12,501,941		35.94

Note：

Total Trust Assets overall does not include specific-amount trusts and funds under custody.
The total amount of disability trusts in 2024 is NT$23,328 thousand, accounting for 0.07% of the total trust assets, and the there are 5 people benefited from this program.

Friendly Debt Care Center

Service description:

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.

Applicable to: Pursuant to the Consumer Debt Clearance Statute

Eligibility:

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.

Application documents:

Please prepare the following documents, fill in all the information, and send them by registered mail to the largest financial institution creditor to apply.

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.

How to apply:

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.

Notes:

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