||The Company believes that good corporate governance and integrity management are the foundation of its operations. In particular, the financial industry plays an important role in maintaining the stability of the financial environment and the flow of commercial capital. Therefore,we are committed to sound management, decision-making oversight, and professional and ethical operations, which are key to gaining the trust of our stakeholders.
||Enforce relevant laws and regulations such as the Corporate Governance Guidelines to help build favorable corporate governance systems and ensure stable company operations.
- Every two years, the Taiwan Corporate Governance Association is comissioned to conduct an evaluation of the Company's corporate governance system. Through regular and in-depth reviews by external institutions and experts, the evaluation examines the completeness of the Company's relevant governance system, effectiveness of the system operations, implementation of disciplinary measures, and relevance and integrity of disclosures. The results of this evaluation serve as a reference for the Company to continuously improve and strengthen its corporate governance system.
- The performance of the Board of Dreictors and Functional Committees is evaluated annually (self-evaluation), and every three years, the performance of the Board of Directors is evaluated by an outside professional and independent organization or outside experts.
|Ch5.1 Corporate governace
||Integrity has always been our management philosophy. In order to carry out our corporate philosophy of sustainable management, we have been promoting corporate governance, strengthening the management of the Board of Directors on integrity management and practicing corporate social responsibility, and integrating integrity and ethical values into our management strategy.
||Implement integrity management to help stabilize market order and protect the rights and interests of our stakeholders.
- Integrity Management Gudielines
- Procedures for Integrity Management and Guidelines for Conduct
- Whistleblowing System and Implementation Measures
- Professional Code of Ethics
- The prevention plan and the related regulations established by the Company.
- Internal control and other related regulations for each unit to follow internal control and operating procedures.
- General business audits conducted by the auditing unit on an annual basis.
|Ch5.2 Integrity management
||The global financial environment is becoming more complex and the risks involved in the financial industry are more diversified and intensified. Through the three lines of defense of risk management, the Company can effectively diversify, transfer or reduce risks to achieve a win-win-win situation for customers, shareholders, and employees.
||Establish comprehensive risk management measures to help improve operational resilience against crises, safeguard assets, and maintain financial market stability.
- Risk Management Policy
- Crisis Management Policy and Procedure Rules
- Various risk management measures
- Compliance and enforcement of regulations and internal control systems are verified through the Internal Auditing Department, which is part of the Board of Directors.
- An annual risk management mechanism assessment is conducted, and the assessment results are reported to the Audit Committee and the Board of Directors.
|Ch5.3 Risk management
||Good compliance with laws and regulations is an important basis for companies to gain the trust of their stakeholders. In order to reduce compliance risks and ensure that the Company operates in
compliance with relevant laws and regulations, we aim to strengthen employees’ awareness of compliance, maintain an effective and appropriate internal control system, and promote sound operation of the Company.
||Comply with relevant laws and regulations to help stabilize market order, and protect the natural
environment as well as the rights and interests of our stakeholders.
- Compliance Manual
- Anti-Money Laundering and Counter-Terrorist Financing Policy
| Through the Internal Auditing Department under the Board of Directors, the Company conducts general business audits at least once a year and project business audits every six months.
||Ch5.4 Legal compliance
|Information and Transaction Security
||With the increasing development of technology, the financial trading environment is becoming more and more dependent on the Internet, and the diversification of services also brings the impact of information security risks. The Group aims to provide stable and secure information services with the sustainable goals of “protecting the security of information assets” and “maintaining business continuity to achieve sustainable business operation”.
||Strengthen information security protection networks and employee information security awareness to prevent hackers and to prevent private customer information from leaking, protecting the rights and
interests of our stakeholders.
||Information Security Policy
||The information security team of the Company and each subsidiary holds regular group meetings and management review meetings every year to evaluate and improve the effectiveness of information security management, audit and evaluation results, and feedback from stakeholders.
||Ch5.5 Information security
||Employee attraction and retention
||Talent is an important driving force for companies to move forward. The Group actively invests resources in recruiting outstanding and diversified talents, and through the employment of diversified talents, the Group is able to further expand into Taiwan.
||Pay attention to the issues of retaining old employees as well as attracting talented domestic and foreign workers to improve the competitiveness of domestic industries and to increase employment opportunities, including those for disadvantaged groups.
||We have established multiple channels to source talents and provided a comprehensive
compensation and benefit system to recruit domestic and overseas talents.
||We have established a long-term incentive plan linked to sustainable performance, actively retained high-performing personnel, and conducted regular employee engagement surveys.
||Ch6.1 Employee attraction and retention
|Talent Cultivation and Development
||In the ever-changing financial industry, human resources are one of the foundations of the Company to provide good services and corporate innovation. The Company actively cultivates multiple functions of its staff, consolidates core professions, and develops new functions to meet the needs of the financial industry and the Group’s business development and enhance the Group’s overall competitiveness.
||Train employees to possess multiple competences and provide them with favorable and equal career development opportunities in order to improve employee engagement and the Group’s competitiveness.
||The Group’s talent cultivation strategy is to align with “solidification of cores and driving of growth”, encourage employees to learn and transfer to other positions, and promote lifelong learning by combining physical and online training courses and providing learning resources through four course structures: Management College, Professional College, License College and Life College.
||Managing employee education and training coverage rate,
cultivating green financial talents, and reviewing employee
||Ch6.2 Talent cultivation and development
||From the perspective of customers’ needs, the Group leverages the diverse core business characteristics of its subsidiaries to introduce diversified and innovative products, strengthen customer communication, cultivate customer trust and loyalty, and continue to provide attentive and caring services to customers.
||Care about the rights and interests of customers and provide them with complete communication mechanisms to understand their needs promptly and protect their rights and interests.
- Personal Data Protection Act
- Cyber Security Management Act
- Financial Holding Company Act
- Regulations on Joint Marketing among Subsidiaries of Financial Holding Companies
|We incorporate the principles of fair treatment into our daily core business. Each of the five subsidiaries has established a specialized unit, with the chief executive officer as the convener, to hold regular meetings to plan, review, and promote improvement plans on matters related to the principle of fair treatment of customers and product
review, and to report the implementation status to the Board of Directors to strengthen implementation from the top down.
||Ch4.3 Customer rights
|Financial Product Innovation and Services
||Digital platforms and mobile services have become part of
our daily life. In response to the gradual changes in the behavioral patterns of consumers and the financial industry, the Group has been improving the functions of its financial digital platform based on its business characteristics, optimizing the investment process and customer habits through a convenient and fast digital experience, cultivating customer loyalty, and strengthening the Group’s digital competitiveness.
||Continue to promote financial product innovations and services, increase the reach of financial services, and reduce the use of paper and carbon emissions through the increased use of digital media.
- Digital platform development process
- Design criteria specification document and production design specification file
|We hold monthly meetings and occasional meetings with
colleagues in the digital finance department of each subsidiary to discuss and ask the head of the digital finance
department of each subsidiary to report on the content, progress, schedule, and promotion of mobile device development and optimization. Every six months, we evaluate the growth rate of mobile users of each subsidiary’s digital finance department.
||Ch4.2 Innovative social finance products
||The Group places emphasis on sustainable financial development
and is in line with international trends. We have developed Sustainable Finance Guidelines and are gradually incorporating ESG considerations into our lending, investment and financial products and services development. We also combine the business expertise of each subsidiary to provide diversified financial services and support the development of enterprises with sustainable concepts, and use our influence as a capital provider and manager to channel capital to sustainable industries and expand the influence of sustainable finance.
||Encourage our business partners to set sustainable goals, promote green energy, and support sustainability-related industries as well as companies with good ESG performance to drive society to engage in sustainable practices.
- Sustainable Finance Guidelines
- Industry-Specific Environmental and Social Risk Management Rules
|Through half year meetings of the chief executive officers of the Company and its subsidiaries, we review the progress and performance of sustainable investment and financing, ESG products and services, and ESG consultation and negotiation, and discuss relevant international trends and directions for promoting sustainable finance, so that ESG can be implemented in our operations.
||Ch4.1 Sustainable finance
||The Group is committed to strengthening the inclusiveness of its financial services and integrating the core idea of “fulfilling your biggest dreams” to provide diversified, convenient, and lower-cost financial services to the disadvantaged people and micro-enterprises in the society, effectively promoting the development of local finance and expanding the reach of financial services, such as micro-insurance, public trust, and barrier-free financial services. We hope to enable disadvantaged groups to enjoy equal access to financial services.
||Continue to promote financial inclusion, protect the rights and interests of the public to obtain financial services, promote social equity, and achieve inclusive growth.
||We track and manage the performance of each subsidiary’s financial inclusion products on a quarterly basis. Through each subsidiary’s quarterly reports on the new financial products developed, the number of participants, and the amount of money involved, as well as reporting on the 24 financial inclusion indicators and 4 observation indicators of Taiwan’s Financial Supervisory Commission (FSC), we are able to grasp the financial inclusion policies of the competent authorities.
||Ch4.2 Innovative social finance products
||We are committed to building a corporate green culture by managing internal energy consumption and greenhouse gas emissions, continuously improving energy efficiency, and actively purchasing green power and renewable energy to reduce the environmental impact of our operations.
||Care about climate action issues, set carbon reduction targets, and implement GHG inventory, energy management, climate finance, and supply chain carbon reduction management to mitigate global warming; and use our financial power to promote low-carbon industrial transformation.
||Environmental and Energy and Climate Change Management Policy
- Environmental related ISO standard system is introduced and third-party verification is obtained.
- Annual review of carbon reduction, energy saving, renewable energy use, water saving, and waste reduction targets.
|Ch3.1 Response to the international carbon reduction program