台新金控

The retail banking services include wealth management, consumer lending and digital banking services. Taishin offers all-round financial planning and banking services for individuals, households, business owners and micro-businesses.

In wealth management business, Taishin adopts a customer segmentation approach and aim to help our customers achieve asset steady growth through offering tailored financial consulting, tax planning, trust, asset allocation advisory services and a full line of products, including TWD and FCY deposits, investment products and insurance. Further, Taishin has introduced the family-based wealth management service which provides financial guidance for family members at each life-stage, and benefits for the entire family. It is an excellent choice for customers to pass on wealth to future generations.

The consumer lending services offer individuals with 1st lien mortgage, auto loan, personal loan, 2nd lien mortgage, micro SME loans and credit cards. Taishin also provides e-payment services for our merchants. We go on to adopt new FinTech to expand the range of online loan application and works closely with strategic partners, and forms cross industry alliances to meet customers’ need on financing and payment.

Digital banking is designed to offer the best user experience. Taishin is constantly working to provide more digital banking services and enhance the platforms. The scope covers e-banking, new payment (mobile payment and cross border payment), and ATM services. Taishin continuously observes changes in the behaviors of young consumers, follows market trends, and brings AI and big data together to create more streamlined financial services.

In the future, the retail banking services will retain the spirit of corporate sustainability, remain customer-centric, and keep providing innovative products and services to fulfill customers’ financial needs at different stages of life. Taishin aims to provide customers superior and innovative services, so we will continuously improve business processes, as well as strengthen the brand image and the value of channels.

Other than providing traditional digital banking services, Taishin also launched a subsidiary called Richart to target millennials in the digital era. Different from other traditional banks, Richart offers innovative solutions to solve customer banking pain points, making banking simple, convenient, transparent and understanding for all. By providing customers with breaking-new ground banking services, Richart has been able to become the market leader of the digital bank industry in Taiwan, with the most amount of users and holds the highest satisfaction rate in the industry. Richart’s customer oriented products has transformed the digital banking experience for all Richart’s users, which in turn has made the Taiwanese digital bank industry more innovative one step at a time.

Taishin Bank takes the initiative to promote APIs in financial services in order to connect businesses and consumers. A more diversified, convenient, and safe payment environment is enabled through a oneAPI that integrates multiple mobile payment services and PayPlus+ API. Moreover, Taishin Bank was one of the first participants in the government's MyData platform. As one of the first banks in the platform, Taishin Bank offered the widest variety of services and earned the title "pioneering bank in open API" by Financial Information Service, Co. Ltd. Digital finance and technological innovation are tools that allow us to fulfill financial inclusion by providing comprehensive financial services tailor-made for individuals, families, and businesses.

In 2020, Taishin Bank has joined forces with partners from other industries to overcome challenges. Mutually combining innovative technologies and service procedures is important to keep stability as the world grapples with uncertainty. The spirit of open banking drives us to think outside the box, and thus, Taishin Bank's new Richart Life app combines payment, reward points, everyday discounts, and financial services. With nearly 7 million users since the start, we offer one-stop services that place financial services in everyday scenarios from food, clothing, and housing to transportation, making us a financial institution that transcends boundaries. We create novel payment options for consumers and business expansion opportunities for businesses, thereby achieving key breakthroughs for digital finance in Taiwan.

Widespread use of digital finance is now in sight, and will pose both challenges and opportunities for industries. Taishin Bank's products and services are highly trusted by customers, and our technological innovations have consecutively earned accolades at home and abroad. In the future, Taishin Bank will continue to trailblaze Taiwan's transition to digital finance and set an example for the industry.

Our operation provides a wide selection of financial products and professional services to various corporate clients, including multinational corporations ,corporations, government departments and financial institutions. The business scope includes the businesses of commercial and investment banking, such as deposits, short/long-term financing, guarantee, trade finance, syndications, bond transaction, short-term bill, factoring, cash management, corporate netbank, foreign exchange and interest-rate derivatives, underwriting, stock transfer agency, merger and acquisition (M&A) financial advisory service, asset securitization and discretionary assets management, etc.

We adopt a solution-oriented marketing approach with our sophisticated banking experience by integrating the plural financial products and resources within Taishin financial holding company to provide one-stop shopping for large- and medium-sized companies. We offer a wide range of financial services/products, including financial advisory services, risk management, facilities and financing, short-term bill trading and bond issuance to suit clients’ specific needs. Moreover, in line with the government’s intention to flourish financial industry, we now already have branches in Hong Kong, Singapore, Tokyo, Brisbane and Malaysia Labuan, and marketing office in Malaysia Kuala Lumpur , and representative offices in Vietnam, Myanmar, Shanghai and Thailand. The application to open the Long An Branch in Vietnam has also been submitted to the State Bank of Vietnam, and preparations are underway. Taishin Bank will make other preparations in the future to expand the overseas network and give customers better and more comprehensive global banking services.

Wholesale Banking Group will continue amplifying its "Profession" and "Diversification" in order to provide superior services to its clients. Moreover, the group will dedicate to product innovation and segment management to further uplift services to meet customers’ diverse financial needs.

The Financial Market platform offers a diverse range of professionally delivered banking products that are tailored to suit the needs of individual customers and meet different onshore and offshore demands. Financial market services offer primarily exchange rate, interest rate, equity, commodity derivatives and structured products. For wholesale banking and retail banking customers looking for investment options, Taishin Bank offers a wide range of banking products, including exchange rate, interest rate, stock, bond, commodity, and gold account. The Bank also provides funding, underwriting, and bond management services for onshore/offshore bond issuers. Furthermore, market updates and advisory services are provided as needed to increase variety in the available banking products and help investors achieve optimal portfolio allocation. Regarding position management, Taishin Bank follows the risk management policy for financial markets. It aims for financial security, sound business practices, and steady profit growth that create a win-win situation for customers and the Bank.

Taishin Securities is engaged in the provision of brokerage, proprietary trading, underwriting, concurrent operation of futures and the design, issuance, trading, hedging of derivatives. Taishin Securities also provides solutions of corporate restructuring, reorganization, mergers, acquisitions and financial planning or other consulting services.

Taishin Securities Investment Trust Co., Ltd. has expertise in fund investment management, integrates group resources, formulates product development strategies that focus on customer needs, and enriches the diversity and completeness of its product lines, such as money market fund、fixed income fund、 domestic equity fund 、global equity fund、fund of funds and ETFs that have received much attention in the international market in recent years.

In addition, Taishin Investment Trust's discretionary account operation and private equity funds have also performed well. Taishin Investment Trust has worked closely with overseas strategic alliance partners to build outstanding professional investment teams and provide comprehensive investment management services.

Looking forward to the future, Taishin Investment Trust will continue to uphold the core values of integrity, commitment, innovation, and cooperation, and continue to train our experience to strengthen the competitiveness of our investment team. We aim to become the most trusted financial service institution in the minds of customers.

Taishin Life Insurance provides products and services range from protections-type life insurance, retirement planning, asset accumulation, health, to accidental injuries. With customer-oriented approach, it values thought leadership in innovations. Supported by the resourceful financial holding, it provides superior and robust customer solutions.

Besides commitments to the insurance business, the company fulfills corporate social responsibilities, and continues on charitable efforts for social stability and prosperity. The company is committed to sustainable operations and corporate governance to fulfill the expectations from our customers, employees, shareholders, and social visions, and perform with core business values (integrity, commitment, innovation, and cooperation). With robust services and professionalism, it offers innovative and best-in-class products and services to realize promises to customers as a model insurance company in Taiwan.