關於台新金控

Sustainable Governance

Taishin FHC believes that a robust corporate governance framework combined with an efficient board make the foundation for sound corporate governance. In terms of corporate governance, Taishin is ranked among Top 5% of TWSE-listed companies and first ranking which is top 10% of the financial industry by TWSE in the 5th Corporate Governance Evaluation in April 2019. The company has been one of the constituent stocks of the "Corporate Governance 100 Index in Taiwan" since June 2015 as well. Also, Taishin was selected as a composition of DJSI, and index group that is attracting attention from investors around the world, in both "World" and "Emerging Markets" categories for the first time in 2018. These external accreditations have secured Taishin's place among the world's benchmark companies in terms of corporate governance performance.

Corporate Governance Framework



Business Integrity


Taishin FHC has Ethical Corporate Management Best Practice Principles in place to support its integrity culture. The principle applies to directors, managers and employees of the Company as well as subsidiaries and other directly and indirectly controlled businesses or entities. Taishin employees are prohibited from offering, committing, requesting or accepting any illegitimate benefits, or involving in any conducts that would be construed as dishonest, illegal or in breach of trust, whether directly or indirectly, while carrying out their duties.

Meanwhile, Taishin also has Employee Code of Conduct in place that outline employees' duties to report the abovementioned misconducts. All Taishin employees are required to read and sign declarations to comply with the above guidelines when commencing employment, whereas existing employees are required to read the documents online on a quarterly basis to ensure ongoing comprehension with the underlying terms.

Risk Management System

Taishin FHC has a Risk Management Committee in place. According to "Taishin FHC Organization Rules of Risk Management Committee,” the committee shall have at least 3 members, chosen from existing directors with more than half of whom being independent directors. The committee's duties are to review the Risk Management Policy, risk appetite, limit transfer, and the integrated risk management report. Day-to-day risk management is spearheaded by the Chief Risk Officer (CRO) and executed through the CRO Office. The CRO Office communicates with corresponding units of the 3 lines of defense to enforce risk management within the organization.

Three Lines of Defense



Ongoing Enforcement of Risk Culture

Risk culture provides a key foundation for Taishin's progress towards sustainability. In addition to adopting business continuity management (BCM), key risk indicators (KRI) and risk & control self-assessment (RCSA), risk issues are escalated to the senior management and the board of directors on a regular basis. The organization has also been expanding the scope of its risk training, so that the risk culture can be deeply embedded in all business activities in ways that promote proper risk awareness throughout the organization.

Anti-money Laundering and Countering the Financing of Terrorism (AML/CFT)

Taishin has a "Taishin Financial Holding AML and CFT Policy" in place to combat money laundering and crime while at the same time instill order, transparency and cross-border collaboration in financial services. By enhancing internal AML/CFT mechanisms, we hope to raise employees' anti-money laundering awareness and embrace a sustainable business value that supports our responsibilities as a global citizen.

The board of directors of Taishin Financial Holding holds the ultimate authority and responsibility in AML and CFT. The board establishes compliance and risk management cultures throughout this organization, and regularly reviews the organization's AML/CFT practices.

Group subsidiaries are responsible for verifying, assessing and establishing the level of money laundering and terrorism financing risks they are exposed to. They are also required to develop ML/TF risk prevention plans and compliance standard operating procedures, and undertake self-audits and internal audits for the purpose of preventing or mitigating ML/TF risks.

AML/CFT policy



Information and Transaction Security

Taishin FHC has implemented "Information Security Policy" and "Taishin Holdings Internet Security Management Guidelines" to serve as guiding principles for security protection. Meanwhile, an "Information Security Committee" comprising the Group President, Taishin Bank President and level-1 managers has been assembled within the organization. The committee holds quarterly meetings to discuss information security issues and improvement measures; and reports to board members on a yearly basis on issues concerning information security governance and planning. An Information Security Department comprising employees from various fields of expertise was established in 2018 to oversee the planning and execution of Taishin Bank's information security policy.

Legal Compliance

Legal Compliance Division of Taishin FHC has been assigned the duty to report to the board of directors regarding the organization's compliance status at least once every six months. Meanwhile, Taishin Bank underwent a re-organization that place its "Legal Department" directly under the President specifically for handling legal affairs of Taishin Bank. The "Legal Compliance Division" is responsible for compliance-related affairs including communication and consultation of legal issues and implementation of compliance risk management and supervision systems. The division has a Compliance Department, project team and whistleblower team created under it. The two units operate independently to support compliance risk, which is the second line of defense of the internal control system.

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