Innovative Financial Products and Services

LINE Pay Payment Platform

Taipei Fubon Bank leverages the LINE App as a service entry point, integrating billing information with LINE Pay payment tools. Users simply need to open the LINE App they use on their mobile phones, scan the QR Code or enter the bill information, and pay using their linked credit cards or bank account through biometric verification or by entering the payment password. With a simple 6-step process, users can complete the payment without needing to enter various transaction details (credit card number, bank account number, etc.). In 2024, the total monthly transaction volume exceeded 130,000, with total accumulated transactions surpassing 5.6 million by the end of 2024.

Nano Investment Digital Financial Platform

In 2019, the Bank partnered with Nutmeg, the UK's largest intelligent wealth management company, to launch Nano 1 Global ETF Investment Portfolio. In 2022, it collaborated with Fubon Asset Management to launch Nano 2 Taiwan ETF Investment Portfolio, utilizing patented technologies such as fractional-shares and automatic rebalancing. With oversight from professional investment consultants, customers can allocate their funds (minimum of US$35 or NT$1,000) across ten to fifteen ETFs, making inclusive finance a reality. As of the end of 2024, Nano Investment has 29,816 investors, with an annual growth rate of 15%; customer investment amounted to NT$4.197 billion, with an annual growth rate of 11%.

Online Large-Amount Foreign Currency Exchange Feature

Through online application for financial certificates, customers can proceed with foreign currency exchanges exceeding TWD 500,000 without visiting the bank in person to sign foreign exchange declaration forms, saving time and allowing them to take advantage of favorable exchange rates.

Taipei Fubon Bank consider the principles of fair customer treatment as one of the core standards of its business operations. In 2016, the "Treating Customers Fairly Principles Policy" was approved by the Board of Directors as a common value system and code of conduct, incorporating policies into regular education and trainings, establishing a "Treating Customers Fairly Section" on the official website to provide diverse channels to receive customers' voices.

Taipei Fubon Bank and its subsidiaries highly value the management and protection of customer data, complying with the "Fubon Financial Holding Co., Ltd. and Subsidiaries Personal Data Protection Management Policy" and formulating the Bank's "Personal Data Protection Management Policy," clearly outlined employees' responsibilities and obligations in handling personal data protection. Taipei Fubon Bank continuously improve its personal data protection management system, strengthening and enhancing customer personal data protection management mechanisms. The Bank has obtained BS 10012:2017 Personal Information Management System (PIMS) certification, demonstrating compliance with strict international standards and norms. In 2024, Taipei Fubon Bank did not have any major personal data breach incidents.^Note

Note : Major personal data breach incidents are defined in the "Security Maintenance Regulations for Personal Data Files of Non-Governmental Agencies Designated by the Financial Supervisory Commission." A major personal data incident refers to a situation where personal data is stolen, altered, damaged, lost or leaked, which will endanger the normal operations of the non-governmental agency or the rights and interests of a large number of parties.

Establishment of Account Security Center in Fubon+ App

To enhance user account security, Taipei Fubon Bank established an Account Security Center in the Fubon+ App, which officially launched in November 2024. The feature allows customers to perform self-assessments across four major aspects: account security, transaction verification, device settings, and software & systems. Based on the assessment results, customers' mobile banking protection levels are classified into three tiers: Advanced, Intermediate, and Basic, with tailored reminder to implement security measures such as regular password changes, email settings, and enabling Mobile One Time Password (MOTP).

Taipei Fubon Bank has achieved significant results by implementing advanced technologies, optimizing systems, and fostering cross-departmental collaboration, thereby strengthening the Bank’s financial security defenses. In 2024, guided by the three core strategies of Technology-based Fraud Prevention, System Enhancement, and Cross-institutional Joint Defense, Taipei Fubon Bank achieved a 40% reduction in alert accounts within two years of implementation. This demonstrates that the model not only provides accurate detection but also effectively prevents fraud. Furthermore, the Bank's control over alert accounts shows effective results through AI-driven detection and management.

Technology-based Fraud Prevention

Throughout the year, the Eagle Eye AI Model pre-identified high-risk accounts with a pre-control rate exceeding 80%, preventing fraud losses NT$360 million. Successfully intercepted 650 fraud cases at branch counters, safeguarding public assets valued at NT$718 million (statistics as of January 17, 2025, based on police reports).

System Enhancement

Implemented withdrawal limits and counter restrictions for alert accounts, warning accounts, derived accounts, and accounts of foreigners leaving the country. To combat impersonation fraud, the Bank introduced new management systems for identification and business cards, disclosed fraud patterns on the official website in real time and strengthened public awareness through collaboration with the Criminal Investigation Bureau and media. In the first quarter, the efficiency of impersonation fraud reporting significantly improved, reducing takedown time to within one week. In terms of external communication, the Bank continues to raise awareness through internal training and external reminders, integrating LINE notifications, EDMs, and official website updates in real time, demonstrating strong public recognition of its fraud prevention efforts.

Green Mortgages

Taipei Fubon Bank provides Energy Saving/Energy Efficient Equipment Loans to mortgage applicants who use the funds to purchase energy-saving certified, water-saving labeled and solar energy equipment. The Bank also offers preferential mortgage programs to support home renovation needs and encourage the adoption of eco-friendly home appliances. In 2024, a total of 1,041 green mortgage cases were disbursed, with a year-end balance of NT$46.6 billion, accounting for 4.2% of overall mortgages.

Electronic Billing

In support of the government's net-zero carbon emissions strategy, Taipei Fubon Bank promotes electronic billing to reduce carbon emissions. The Bank provides multiple application channels to easily and quickly apply for electronic billing via LINE or Email, reducing the use of paper statements. By the end of 2024, the number of electronic billing applicants had reached 3.29 million accounts. In addition, the Bank has enhanced e-payment features by automatically generating barcode payment slips for convenience store payments within electronic receipts, reducing the need for customers to print separate receipts and lowering paper consumption.

Automated Inquiry of Public Agency Data Service

In the past, customers primarily submitted loan application documents in paper form. Even though digital data inquiries were available, the process required in-person applications for a natural person certificate and a card reader were required, resulting in a low adoption rate. To reduce paper usage in the loan application process, Taipei Fubon Bank promotes the use of C3 certificates^Note1 for authorizing the inquiry of public agency data, including inquiring income statements from the National Taxation Bureau and confirming insurance information from the Labor Insurance Bureau, thereby actively increasing adoption of the fully digital, paperless process. Following the launch of the C3 software certificate authorization inquiry, customers are now able to quickly verify data through authorization access. In 2024, the service utilization rate^Note2 was 71%.

Note：

1. C3 Certificate: Its registration center is a financial institution. This certificate is recognized under Taiwan's Electronic Signatures Act and by the Bankers Association. It has been issued a Level 3 EC+ certificate and Level 3 Business XML certificate by the Taiwan-CA, or a Public Ca certificate issued by Chunghwa Telecom.
2. The service utilization rate is calculated based on the applicable customer base, where the denominator is the applicable customer group (including the Bank's deposit accounts + loan accounts); the numerator is the number of loan applicants using C3 certificates to authorize access to government agency data.

Promoting SME Development

Taipei Fubon Bank donates to the government-established Small and Medium Enterprise Credit Guarantee Fund to foster the development of SMEs and actively supports post-pandemic revitalization, assisting SMEs in gradually transitioning to green practices. In 2024, Taipei Fubon Bank processed Ministry of Economic Affairs Low-Carbon Smart Management Project Loans with approved loans exceeding NT$12 billion, supporting businesses in their transition toward low-carbon and smart operations.

As of the end of 2024, Taipei Fubon Bank's overall SME loan balance was approximately NT$390.7 billion, representing a 13.8% increase from the previous year, accounting for 46.30% of the Bank's total corporate financing balance at the end of 2024.

Age-Friendly Demand Savings Deposit Accounts

To encourage financially disadvantaged groups to develop saving habits, Taipei Fubon Bank provides "age-friendly demand savings deposit accounts" for groups such as the elderly over 65 years old, people with disabilities, low-income households, and disability groups. These accounts feature interest rates higher than those of standard demand savings deposits. As of 2024, a total of 38,518 accounts have been opened.

Quality and Reassuring Trust Products and Services

(3) Promoting Trust Concepts through Diverse Channels

To widely promote trust services, Taipei Fubon Bank combines the local influence of its branches nationwide and cooperates with medical care institutions and social welfare organizations to hold trust seminars. In 2024, a total of eight trust seminars were held, with 134 participants, allowing a wider range of customers to understand the uses and advantages of trusts. Through diverse channels, Taipei Fubon Bank promotes trust knowledge in an easy-to-understand way, helping the public better understand trust products, so that more people can benefit from the value of trusts.