Social
We take a long-term perspective in empowering students from disadvantaged backgrounds, committed to industry-academia collaboration and talent cultivation, with the hope of injecting new vitality into Taiwan’s societal resources.
Social Investment
In 2023, KGI Financial expanded its implementation of the "Regional Revitalization Volunteer Tours". This program allowed colleagues to immerse themselves in local towns and provide volunteer services. In addition to collaborating with long-standing regional revitalization partners such as CAN Culture, Art and Nature, Plahan Symbiotic Community Hub, Happy Food, and Shuan Lian Pear Corporation, new partnerships were formed with Nantou Ren'ai Township's Nanfeng Community Development Association and Yilan Toucheng's Goldfish Cottage. In total, six regional revitalization teams were involved in promoting regional revitalization in northern, central, southern, and eastern Taiwan. Over 1,000 colleagues participated in these efforts. They accompanied nearly 150 disadvantaged children and assisted over 100 vulnerable elderly individuals. This not only enhanced the brand awareness and revenue of the collaborating regional revitalization teams, but also established a new model for corporate participation in local revitalization. It marked a new milestone in Taiwan's balanced urban-rural development
List of Performance and Target
Item
Performance
Target for next year
Charitable Donations & Educational Aid
Charitable Donations & Educational Aid
Item
COVID-19 Emergency Relief
Performance
Donated anti-pandemic supplies to those hit badly by COVID-19 at home and abroad
Target for next year
Love, Starting From Elementary School Beneficiary: 400 students
Let Love Flower Beneficiary: 1,000 students
Community Investments
Community Investments
Item
Heritage 100 X Tutelage 100” scholarship program
Performance
Beneficiaries:100, college students
100 underprivileged children, 10,000 tutorial hours
Target for next year
Gift Shoebox of Love:500 volunteer employees, 10 schools in remote areas
Lunch Dates:2 sessions, 10 volunteers per session, totaling 20 volunteers
Community Investments
Item
Online and offline insurance awareness training for elementary schools in remote areas, along with other philanthropic activities
Performance
- Increased visibility and favorability-Awarded Buying Power by Small and Medium Enterprise Administration, M.O.E.A. for a fourth consecutive year
- Development of outstanding talent
Target for next year
Gift Shoebox of Love:500 volunteer employees, 10 schools in remote areas
Lunch Dates:2 sessions, 10 volunteers per session, totaling 20 volunteers
Gift Shoebox of Love:500 volunteer employees, 10 schools in remote areas
Lunch Dates:2 sessions, 10 volunteers per session, totaling 20 volunteers
Art Cultivation & Commercial Initiatives
Art Cultivation & Commercial Initiatives
Item
Online charity donation platform
Performance
- Made NGOs prospects for payroll transfer service
- Improved brand visibility and brand favorability and new accounts
Target for next year
- Mentor for "Mock Contest on Mergers and Acquisitions" at National Chengchi University
- 11th Greater China (Asia-Pacific) Mock Contest on Mergers and Acquisitions - Mentor
- CDIB Capital Innovation Accelerator's start-up mentoring programs
Art Cultivation & Commercial Initiatives
Item
CDIB Capital Innovation Accelerator's start-up mentoring program
Performance
- 18 start-ups received funds required for business development (as of today)
- Young people and start-ups received professional guidance to overcome difficulties through free seminars, workshops, and courses
- 84 sessions, attended by 2,024 people
- Corporate-matching opportunities for start-ups
- Increase in employees' participating, self-satisfaction, and social recognition
Target for next year
- Mentor for "Mock Contest on Mergers and Acquisitions" at National Chengchi University
- 11th Greater China (Asia-Pacific) Mock Contest on Mergers and Acquisitions - Mentor
- CDIB Capital Innovation Accelerator's start-up mentoring programs
- Mentor for "Mock Contest on Mergers and Acquisitions" at National Chengchi University
- 11th Greater China (Asia-Pacific) Mock Contest on Mergers and Acquisitions - Mentor
- CDIB Capital Innovation Accelerator's start-up mentoring programs
SROI (Social Return On Investment)
SROI (Social Return On Investment)
Item
SROI (Social Return On Investment)
Performance
Heritage 100 X Tutelage 100: 4.9
Target for next year
Heritage 100 X Tutelage 100:to have a greater social impact and create more social benefits
Financial Inclusion
We have long cared for the needs of disadvantaged groups and social enterprises. Through the core businesses of subsidiaries, we devote to provide sustainable financial assistance. In recent years, in combination with the opportunities raised from emerging risk, we have continued to develop various products and services related to social welfare in order to create maximum social benefits and give back to society.
Micro-insurance
To provide disadvantaged groups with basic accident insurance to cover death and disability, KGI Life Insurance began introducing microinsurance products. Microinsurance has lower premiums, lower insured amount, and easy to understand terms. It comes in four types: accident microinsurance, collective accident microinsurance, group accident microinsurance, and group accident microinsurance for the disadvantaged. The goal is to make basic accident insurance covering death and disability affordable for people with low incomes. With the protection of microinsurance, families can avoid the debilitating financial effects of a major accident. At the same time, KGI Life Insurance is cooperating with banking channels, government agencies, and private organizations to jointly promote microinsurance. Its efforts to develop new sales outlets and diversify insurance products have been recognized by the competent authority for six consecutive years. This enables KGI Life Insurance to spread insurance guarantees to all corners where care is needed, thus providing strong support for disadvantaged households. When a microinsurance beneficiary suffers an accidental death, KGI Life Insurance supports his or her family in preparing all needed documents to quickly release insurance compensation. Families appreciate the care and assistance in overcoming the difficult time they face. In this way, insurance fulfills its role as a stabilizing force. Microinsurance has provided coverage for more than 34,000 eligible disadvantaged groups across Taiwan. In 2020, premium income from microinsurance reached NT$ 8.35 million.
Micro-insurance
To provide disadvantaged groups with basic accident insurance to cover death and disability, KGI Life Insurance began introducing microinsurance products. Microinsurance has lower premiums, lower insured amount, and easy to understand terms. It comes in four types: accident microinsurance, collective accident microinsurance, group accident microinsurance, and group accident microinsurance for the disadvantaged. The goal is to make basic accident insurance covering death and disability affordable for people with low incomes. With the protection of microinsurance, families can avoid the debilitating financial effects of a major accident. At the same time, KGI Life Insurance is cooperating with banking channels, government agencies, and private organizations to jointly promote microinsurance. Its efforts to develop new sales outlets and diversify insurance products have been recognized by the competent authority for six consecutive years. This enables KGI Life Insurance to spread insurance guarantees to all corners where care is needed, thus providing strong support for disadvantaged households. When a microinsurance beneficiary suffers an accidental death, KGI Life Insurance supports his or her family in preparing all needed documents to quickly release insurance compensation. Families appreciate the care and assistance in overcoming the difficult time they face. In this way, insurance fulfills its role as a stabilizing force. Microinsurance has provided coverage for more than 34,000 eligible disadvantaged groups across Taiwan. In 2020, premium income from microinsurance reached NT$ 8.35 million.

Charitable Trusts
To fulfill its responsibility as a corporate citizen, KGI Bank provides professional financial services to ease the financial management burden of individuals or charities. As of 2020, KGI Bank was entrusted with the management of eight charitable trust funds, with assets under management surpassing NT$ 30.03 million.

Financial inclusion
“Giving You A Hand” Revolving Personal Loan Promotion Project
In 2018, KGI Bank launched “Giving You A Hand,” a micro personal loan project, to support young or skilled people to start their own businesses. The project targets proprietors with professional licenses, low-income households, and sponsors of crowdfunding platforms and grants loans at preferential rates to help them manage their business stably. The offer rate of “Giving You A Hand” is lower than the going rates of mortgages to encourage young people and start-ups to receive credit through legal financial channels. In 2020, in response to COVID-19, a loan project is devised for affected licensed professionals to obtain funds quickly and preferentially. In 2020, about 811 people applied for the project, and about 485 applications were approved with a 60% approval rate.
In 2018, KGI Bank launched “Giving You A Hand,” a micro personal loan project, to support young or skilled people to start their own businesses. The project targets proprietors with professional licenses, low-income households, and sponsors of crowdfunding platforms and grants loans at preferential rates to help them manage their business stably. The offer rate of “Giving You A Hand” is lower than the going rates of mortgages to encourage young people and start-ups to receive credit through legal financial channels. In 2020, in response to COVID-19, a loan project is devised for affected licensed professionals to obtain funds quickly and preferentially. In 2020, about 811 people applied for the project, and about 485 applications were approved with a 60% approval rate.

Financial inclusion
Taxi Driver's Quick Repayment Project
Most taxi drivers can’t provide a proof of stable income, and are thus rejected by banks when they seek to obtain traditional financial services. They can only turn to the shadow banking system when they are in need of financing. Given its belief in inclusive finance, KGI Bank has worked with Taiwan Taxi, a leading taxi company in Taiwan, to grant microloans to taxi drivers since July 2017. Small loans are granted to taxi drivers who are denied access to credit as they cannot provide a proof of stable income required for credit investigations, and therefore unable to accumulate credit records. KGI Bank leveraged the database created, and long maintained by Taiwan Taxi to build a customized "taxi driver credit rating model." Those taxi drivers that received positive ratings for their services, and are constant service award winners, or have a stable customer base, will be favored in credit assessment. In 2020, about 505 people applied for the project, and about 217 applications were approved with a 43% approval rate. In 2020, the "Future Commerce Award," also known as the "Digital Innovation Oscar," awarded three major awards of "Best Business Model Innovation Gold Award," "Best Product Innovation Gold Award" and "Jury Award." This is also the affirmation of experts and scholars on KGI Bank's specific practice of stimulating financial inclusion.
Most taxi drivers can’t provide a proof of stable income, and are thus rejected by banks when they seek to obtain traditional financial services. They can only turn to the shadow banking system when they are in need of financing. Given its belief in inclusive finance, KGI Bank has worked with Taiwan Taxi, a leading taxi company in Taiwan, to grant microloans to taxi drivers since July 2017. Small loans are granted to taxi drivers who are denied access to credit as they cannot provide a proof of stable income required for credit investigations, and therefore unable to accumulate credit records. KGI Bank leveraged the database created, and long maintained by Taiwan Taxi to build a customized "taxi driver credit rating model." Those taxi drivers that received positive ratings for their services, and are constant service award winners, or have a stable customer base, will be favored in credit assessment. In 2020, about 505 people applied for the project, and about 217 applications were approved with a 43% approval rate. In 2020, the "Future Commerce Award," also known as the "Digital Innovation Oscar," awarded three major awards of "Best Business Model Innovation Gold Award," "Best Product Innovation Gold Award" and "Jury Award." This is also the affirmation of experts and scholars on KGI Bank's specific practice of stimulating financial inclusion.

Financial inclusion
Low-income Households Loan Project
In the past, low-income households were denied access to financial services as they were unable to provide a proof of stable income. To fulfill inclusive finance and responsibility as a corporate citizen, KGI Bank launched the Low-income Households Loan Project to provide funds for low-income households at lower costs, encouraging them to obtain funds through legal financial channels and thereby establish long-term credit records with financial institutions.
In the past, low-income households were denied access to financial services as they were unable to provide a proof of stable income. To fulfill inclusive finance and responsibility as a corporate citizen, KGI Bank launched the Low-income Households Loan Project to provide funds for low-income households at lower costs, encouraging them to obtain funds through legal financial channels and thereby establish long-term credit records with financial institutions.

Financial inclusion
Credit card and loan applications through mobile phone numbers
In 2018, KGI Bank worked with Chunghwa Telecom to pioneer the first FinTech sandbox experiment project in Taiwan, using "Telecom Mobile ID Authentication" to process loan/credit card applications based on integrated personal information and telecom payment ratings. The project aims at providing consumers a more convenient user experience and help young people and micro-business owners who have never had any dealings with banks and have no credit record to get access to credit and other financial services at a more reasonable charge. In 2019, KGI Bank was Taiwan's first bank that had been approved to process "loan or credit card applications through mobile phone numbers" after the promulgation of the "Directions for Application for Pilot Banking Services," making KGI Bank the winner of the "Growth through Innovation Award: FinTech Regulatory Sandbox" in the 2019 Taiwan Corporate Sustainability Awards (TCSA) and of the "Fintech Innovations Award" in the Taiwan Financial Award 2019. The mobile ID authentication was ended on March 19, 2020 and will continue to use this experience to propose optimized products for various financial services that align with stimulating financial inclusion.
In 2018, KGI Bank worked with Chunghwa Telecom to pioneer the first FinTech sandbox experiment project in Taiwan, using "Telecom Mobile ID Authentication" to process loan/credit card applications based on integrated personal information and telecom payment ratings. The project aims at providing consumers a more convenient user experience and help young people and micro-business owners who have never had any dealings with banks and have no credit record to get access to credit and other financial services at a more reasonable charge. In 2019, KGI Bank was Taiwan's first bank that had been approved to process "loan or credit card applications through mobile phone numbers" after the promulgation of the "Directions for Application for Pilot Banking Services," making KGI Bank the winner of the "Growth through Innovation Award: FinTech Regulatory Sandbox" in the 2019 Taiwan Corporate Sustainability Awards (TCSA) and of the "Fintech Innovations Award" in the Taiwan Financial Award 2019. The mobile ID authentication was ended on March 19, 2020 and will continue to use this experience to propose optimized products for various financial services that align with stimulating financial inclusion.

Financial inclusion
"Quick Repayment" Limited Amount Loan
Given a low base salary, young people do not always have enough cash in hand. Therefore, the age of customers who need small-amount loans is mainly between 25~39 years old. The biggest difference between KGI Bank's "Quick Repayment" Revolving Loan and other loans in the market is that it can be borrowed and repaid anytime, with interest accruing on a daily basis, and repaid early without punitive damage to meet young people's need of funds in the short run at a relatively economic rate.
Given a low base salary, young people do not always have enough cash in hand. Therefore, the age of customers who need small-amount loans is mainly between 25~39 years old. The biggest difference between KGI Bank's "Quick Repayment" Revolving Loan and other loans in the market is that it can be borrowed and repaid anytime, with interest accruing on a daily basis, and repaid early without punitive damage to meet young people's need of funds in the short run at a relatively economic rate.

Financial inclusion
"Taiwan Star Telecom" Revolving Loan Project and Far EasTone Telecommunications Project
According to the internal data of KGI Bank, young customers who need small-amount loans mainly use the funds to purchase supplies for work such as computers, mobile phones, and motorcycles, followed by temporary household supplies such as household appliances, children's supplies, and house repairs. The amount of such consumer spending is small, but shortages will cause a lot of inconvenience in work and life. As an advocate of positive wealth management, KGI Bank worked with Taiwan Star Telecom to offer concessional loans to new mobile phone applicants. With an annual interest rate of only NT$8 per NT$80,000 borrowed, young customers who have just graduated or entered the workplace without a credit history can obtain funds easily and save up to NT$13,000 on interest and related bank fees.
According to the internal data of KGI Bank, young customers who need small-amount loans mainly use the funds to purchase supplies for work such as computers, mobile phones, and motorcycles, followed by temporary household supplies such as household appliances, children's supplies, and house repairs. The amount of such consumer spending is small, but shortages will cause a lot of inconvenience in work and life. As an advocate of positive wealth management, KGI Bank worked with Taiwan Star Telecom to offer concessional loans to new mobile phone applicants. With an annual interest rate of only NT$8 per NT$80,000 borrowed, young customers who have just graduated or entered the workplace without a credit history can obtain funds easily and save up to NT$13,000 on interest and related bank fees.

Financial inclusion
Loans to start-ups in key industries and micro-business
In order to promote the stable development of the domestic economy, KGI Bank cooperates with government policies to provide loans for key start-up industries and loans for micro-enterprises. KGI Bank is committed to fostering the development of start-ups in key industries. In conjunction with government resources, KGI Bank has continued to target start-ups in green energy, Asia Silicon Valley, biomedicine, national defense, intelligent machinery, new agriculture, and circular economy sectors to provide a full range of financial services, and has assisted them in innovating by undergoing industrial transformation through the Small & Medium Enterprise Credit Guarantee Fund of Taiwan. For micro-businesses with smaller revenue, KGI Bank screens target customers systematically and grants micro loans quickly based on their credit ratings and standard operating procedures.
In order to promote the stable development of the domestic economy, KGI Bank cooperates with government policies to provide loans for key start-up industries and loans for micro-enterprises. KGI Bank is committed to fostering the development of start-ups in key industries. In conjunction with government resources, KGI Bank has continued to target start-ups in green energy, Asia Silicon Valley, biomedicine, national defense, intelligent machinery, new agriculture, and circular economy sectors to provide a full range of financial services, and has assisted them in innovating by undergoing industrial transformation through the Small & Medium Enterprise Credit Guarantee Fund of Taiwan. For micro-businesses with smaller revenue, KGI Bank screens target customers systematically and grants micro loans quickly based on their credit ratings and standard operating procedures.

Launched funds in response to social changes
Responding to aging society - CDIB Capital Healthcare Ventures
In light of the world’s aging population, and prevalence of chronic diseases, there is greater pursuit for a better quality of life as income levels rise, and to capitalize on opportunities in the field, CDIB Capital Group has launched the CDIB Capital Healthcare Ventures in Taiwan. In addition, the Group has launched the RMB-denominated healthcare fund in China focused on investment in the healthcare industry in both China and Taiwan, with sub-sectors spanning biotech, precision medicine, high-end medical devices, and digital healthcare. These healthcare funds aim at assisting pharmaceutical companies, medical device manufacturing, and medical service organizations in offering quality and reasonably priced products and services. These healthcare funds' win-win proposition is to seek advanced benefits for society while creating returns. The investee company TaiRx Co., Ltd. aims to develop a new generation of oral anticancer drugs that inhibit cancer cells, which can effectively kill cancer cells and inhibit malignant tumor metastasis.
In light of the world’s aging population, and prevalence of chronic diseases, there is greater pursuit for a better quality of life as income levels rise, and to capitalize on opportunities in the field, CDIB Capital Group has launched the CDIB Capital Healthcare Ventures in Taiwan. In addition, the Group has launched the RMB-denominated healthcare fund in China focused on investment in the healthcare industry in both China and Taiwan, with sub-sectors spanning biotech, precision medicine, high-end medical devices, and digital healthcare. These healthcare funds aim at assisting pharmaceutical companies, medical device manufacturing, and medical service organizations in offering quality and reasonably priced products and services. These healthcare funds' win-win proposition is to seek advanced benefits for society while creating returns. The investee company TaiRx Co., Ltd. aims to develop a new generation of oral anticancer drugs that inhibit cancer cells, which can effectively kill cancer cells and inhibit malignant tumor metastasis.

Industry-Academia Collaboration
To actively cultivate the next generation of financial talent, the Company continues to invest in collaboration with universities and colleges, laying foundation of students’ financial knowledge and accumulating students’ practical experience through campus sharing, internships, corporate visits, and specialized lecture. In 2023, a total of 556 students participated in the industry-academia collaboration.
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Employee Wellbeing
Employees are an important asset of the company. We provide a comprehensive system to achieve work-life balance.