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 2024, KGI Financial launched the "Regional Revitalization Changemakers" initiative, bringing the depth of corporate volunteer services into a new milestone. In 2025, we further
collaborated with 18 local revitalization teams across northern, central, southern, and eastern regions of Taiwan. KGI Financial identified the key challenges they face, including financial management, marketing and promotion, fundraising, and collaboration models with corporations. Employees from various departments are invited to form volunteer teams, engaging directly with local communities to understand their needs and co-create solutions alongside the revitalization organizations. KGI Financial has also established a cross-group "Regional Revitalization Resource Matching Committee" as an integrated platform to respond to the needs of the revitalization organizations. The volunteers assisted the revitalization groups in organizing finances, optimizing the business model for corporate collaboration, and connecting over 200 internal and external resources in the past two years. By the end of 2025, the Group had contributed over 15,000 service hours and generated more than NT$10 million in revenue for the revitalization organizations.
collaborated with 18 local revitalization teams across northern, central, southern, and eastern regions of Taiwan. KGI Financial identified the key challenges they face, including financial management, marketing and promotion, fundraising, and collaboration models with corporations. Employees from various departments are invited to form volunteer teams, engaging directly with local communities to understand their needs and co-create solutions alongside the revitalization organizations. KGI Financial has also established a cross-group "Regional Revitalization Resource Matching Committee" as an integrated platform to respond to the needs of the revitalization organizations. The volunteers assisted the revitalization groups in organizing finances, optimizing the business model for corporate collaboration, and connecting over 200 internal and external resources in the past two years. By the end of 2025, the Group had contributed over 15,000 service hours and generated more than NT$10 million in revenue for the revitalization organizations.
List of Performance and Target
ITEM
PERFORMANCE
TARGET FOR NEXT YEAR
Promote Intergenerational Collaboration
Promote Intergenerational Collaboration
ITEM
Regional Revitalization Changemakers
PERFORMANCE
- Empower corporate volunteers to leverage financial and other expertise in assisting 34 local revitalization organizations across Taiwan in optimizing their business operations. This includes providing financial management tools, corporate ESG collaboration plans, angel investor fundraising consultations, and brand marketing strategies. Additionally, over 200 business collaboration opportunities within and outside the Group have been established, generating over NT$10 million in additional revenue for the revitalization organizations in the past two years.
- Drive engagement through action, bringing relational populations into local communities; by the end of 2025, the Group has facilitated over 5,000 in-person and online participations in township activities, enhancing the visibility of local micro businesses' brands.
TARGET FOR NEXT YEAR
- Gather internal corporate strengths and use employees’ expertise and social skills in support of social innovation and local development in order to build a regional revitalization supporting system.
Take Care of the Elderly
Take Care of the Elderly
ITEM
Support Plahan to realize a mutual-aid and self-supporting elderly community
PERFORMANCE
- Supported Plahan in establishing the Dongshi Co-living Home as one of the national pilot sites for the “co-living home” long-term care model. By integrating resources from medical institutions, long-term care systems, schools, and social welfare organizations, it aims to jointly/ build a core community hub for moderate to severe care and intergenerational exchange -enabling every elder to live with dignity within their familiar community.
- Established accessible facilities, including level pathways, step-free entrances, handrails, wide corridors, and accessible restrooms, reflecting respect for fundamental human rights.
- Developed a friendly chicken coop within the Dongshi Co-living Home, breaking away from the single identity of “care recipient” and transforming residents into “participants, ”companions,” and “contributors.” This helps elders stay connected with the outside world, reduce feelings of isolation, and strengthen their psychological support system.
TARGET FOR NEXT YEAR
- Support the Plahan team in continuously building an exemplary model of long-term care that fosters intergenerational harmony and well-being for the elderly, and assist them in establishing a local industry business model to attract more young people to return to their hometowns.
Seek Common Good with the Disadvantaged
Seek Common Good with the Disadvantaged
ITEM
Volunteer service
PERFORMANCE
- In 2025, the total number of volunteer service hours reached 88,319 hours, average service hours per person reached 9.9 hours, benefiting over 10,000 people.
TARGET FOR NEXT YEAR
- To achieve 7-8 volunteer service hours per person per year
Seek Common Good with the Disadvantaged
ITEM
Scholarship for Skilled Vocational High School Students
PERFORMANCE
- In 2025, there were 52 applications, totaling NT$2.38 million, which benefited 67 students.
- Organized “Talent in Action” showcase events in collaboration with scholarship recipients, including activities such as weightlifting, badminton, pickleball, dance, and lunchtime concerts, benefiting 406 participants.
TARGET FOR NEXT YEAR
- Intermediate-term: Continue to sponsor high school and college/university students with advanced skills
- Long-term: Continue to cultivate diverse talents
Seek Common Good with the Disadvantaged
ITEM
Let Love Flower
PERFORMANCE
- In 2025, a total of NT$6,759,500 was invested, supporting 54 schools.
TARGET FOR NEXT YEAR
- Care for disadvantaged students with nutritional supplements, balance the gap between urban and rural educational resources, and offer rural children the opportunity to learn English from an early age.
Coexist with the Environment
Coexist with the Environment
ITEM
Give Circle Recycling Project
PERFORMANCE
- Support public welfare organizations and amplify social impact
- Since May 2025, a total of 2,394 items have been redistributed, benefiting 38 public welfare organizations and 447 households.
TARGET FOR NEXT YEAR
- Employees can use the Give Circle App platform to donate unused items or fulfill requests from public welfare organizations, reducing waste while supporting charitable initiatives.
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
KGI Life In 2025 continued to advance financial inclusion through tripartite partnerships with six local governments—Kaohsiung City, Tainan City, Yunlin County, Yilan County, Hualien County, and Taitung County—and social welfare organizations. Through these collaborations, microinsurance premium income reached 20.59 million TWD. Based on the annual targets approved by the competent authority, the achievement rate reached 215%, ranking first in the industry. Approximately 100,000 individuals benefited from the microinsurance programs, including low-income and middle-to-low-income households, individuals with mild to moderate disabilities (inclusive), and seniors or their family members receiving middle-to-low-income living allowances in accordance with the Senior Citizens Welfare Act. These initiatives enable economically and socially vulnerable groups to access essential insurance protection, strengthening social safety nets and promoting inclusive financial protection. In addition, KGI Life Insurance actively collaborates with banking partners, government agencies, and civil society organizations to further extend microinsurance services to underserved communities, ensuring that financial protection reaches those most in need.
Micro Insurance
KGI Life In 2025 continued to advance financial inclusion through tripartite partnerships with six local governments—Kaohsiung City, Tainan City, Yunlin County, Yilan County, Hualien County, and Taitung County—and social welfare organizations. Through these collaborations, microinsurance premium income reached 20.59 million TWD. Based on the annual targets approved by the competent authority, the achievement rate reached 215%, ranking first in the industry. Approximately 100,000 individuals benefited from the microinsurance programs, including low-income and middle-to-low-income households, individuals with mild to moderate disabilities (inclusive), and seniors or their family members receiving middle-to-low-income living allowances in accordance with the Senior Citizens Welfare Act. These initiatives enable economically and socially vulnerable groups to access essential insurance protection, strengthening social safety nets and promoting inclusive financial protection. In addition, KGI Life Insurance actively collaborates with banking partners, government agencies, and civil society organizations to further extend microinsurance services to underserved communities, ensuring that financial protection reaches those most in need.
Charitable Trusts
KGI Bank actively uses professional financial tools as the support for social welfare organizations. As of 2025, KGI Bank has been entrusted to manage 6 public welfare trust funds with a total management amount of more than NT$25.21 million. We aim to help individuals or legal persons implement their social welfare goals, and assist in social welfare affairs and account management.
Financial inclusion
"Giving You a Hand" Revolving Personal Loan Promotion Project
To support young people to start their own businesses and develop their talents, KGI Bank has launched the “Giving You a Hand” Revolving Personal Loan project since 2018, targeting those with vocational certificates, disadvantaged low-income households, or plan proponents of crowd-funding platforms, to provide loan preferential projects to assist its stable career development and solve its operational turnover problems. The “Giving You a Hand” Revolving Personal Loan Project offers lower interest rates than secured mortgages, encouraging young people and new entrepreneurs to obtain capital through legal financial channels. In 2020, we launched the COVID-19 Epidemic Prevention Discount Project to help those holding technical and vocational certificates affected by the pandemic to obtain funds through fast application processes and preferential prices. In 2025, there were 41 applicants, and among which, 16 applications were successful, representing a success rate of 39%. As of the end of 2025, a total of 1,168 cases had been approved, with a cumulative loan disbursement balance of NT$59,388,142.
To support young people to start their own businesses and develop their talents, KGI Bank has launched the “Giving You a Hand” Revolving Personal Loan project since 2018, targeting those with vocational certificates, disadvantaged low-income households, or plan proponents of crowd-funding platforms, to provide loan preferential projects to assist its stable career development and solve its operational turnover problems. The “Giving You a Hand” Revolving Personal Loan Project offers lower interest rates than secured mortgages, encouraging young people and new entrepreneurs to obtain capital through legal financial channels. In 2020, we launched the COVID-19 Epidemic Prevention Discount Project to help those holding technical and vocational certificates affected by the pandemic to obtain funds through fast application processes and preferential prices. In 2025, there were 41 applicants, and among which, 16 applications were successful, representing a success rate of 39%. As of the end of 2025, a total of 1,168 cases had been approved, with a cumulative loan disbursement balance of NT$59,388,142.
Financial inclusion
Taxi Driver Loan
Because taxi drivers cannot provide proof of fixed income, it is difficult to obtain traditional financial services. If there is a need for capital turnover, they often can only resort to underground financing channels. Based on the concept of practicing financial inclusion, KGI Bank has joined hands with the leading Taiwanese taxi fleet in the domestic transportation industry since July 2017 to proactively provide micro-credit services for taxi drivers, solving the problem of unstable income due to occupational characteristics of drivers in the past and unable to provide bank credit information or provide salary slips and other relevant financial proof, resulting in the inability to contact the bank and establish credit records and other issues. Using the big data database of the Taiwan Convoy, the “taxi driver credit scoring model” is customized, and the data such as driver service evaluation, award record, passenger load and other data are included in the credit score. Drivers can score well because of passenger service evaluation, receive credit points for high passenger numbers. In 2025, there were 299 applicants, and among which, 98 applications were successful, representing a success rate of 33%. As of the end of
2025, a total of 1,591 cases had been approved, with a cumulative loan disbursement balance of NT$246,642,285.
Because taxi drivers cannot provide proof of fixed income, it is difficult to obtain traditional financial services. If there is a need for capital turnover, they often can only resort to underground financing channels. Based on the concept of practicing financial inclusion, KGI Bank has joined hands with the leading Taiwanese taxi fleet in the domestic transportation industry since July 2017 to proactively provide micro-credit services for taxi drivers, solving the problem of unstable income due to occupational characteristics of drivers in the past and unable to provide bank credit information or provide salary slips and other relevant financial proof, resulting in the inability to contact the bank and establish credit records and other issues. Using the big data database of the Taiwan Convoy, the “taxi driver credit scoring model” is customized, and the data such as driver service evaluation, award record, passenger load and other data are included in the credit score. Drivers can score well because of passenger service evaluation, receive credit points for high passenger numbers. In 2025, there were 299 applicants, and among which, 98 applications were successful, representing a success rate of 33%. As of the end of
2025, a total of 1,591 cases had been approved, with a cumulative loan disbursement balance of NT$246,642,285.
Financial inclusion
E-Commerce Seller Loan
KGI Bank, in cooperation with Open Air Auction and PChome Pay, launched the “Big Data Loan for Open Air Auction Seller”, which uses API (application programming interface) technology to simplify the application and review process of e-commerce sellers. Basic information and payment records shorten the time for sellers to fill in the application materials, and can apply online. After the application, funds can be allocated to sellers within one day, allowing sellers to immediately use funds to prepare payment for goods and expand the scale of operations, solving the problem that e-commerce sellers cannot provide traditional financial resources This project won the 2021 Digital Times “Bronze Award for Best Product Innovation” and the “Digital Inclusion Award” of the Business Times Digital Finance Awards, which is the best recognition of KGI‘s commitment to the practice of financial inclusion. In 2025, there were 527 applicants, and among which, 64 applications were successful, representing a success rate of 12%. As of the end of 2025, a total of 983 cases had been approved, with a cumulative loan disbursement balance of NT$118,035,826.
KGI Bank, in cooperation with Open Air Auction and PChome Pay, launched the “Big Data Loan for Open Air Auction Seller”, which uses API (application programming interface) technology to simplify the application and review process of e-commerce sellers. Basic information and payment records shorten the time for sellers to fill in the application materials, and can apply online. After the application, funds can be allocated to sellers within one day, allowing sellers to immediately use funds to prepare payment for goods and expand the scale of operations, solving the problem that e-commerce sellers cannot provide traditional financial resources This project won the 2021 Digital Times “Bronze Award for Best Product Innovation” and the “Digital Inclusion Award” of the Business Times Digital Finance Awards, which is the best recognition of KGI‘s commitment to the practice of financial inclusion. In 2025, there were 527 applicants, and among which, 64 applications were successful, representing a success rate of 12%. As of the end of 2025, a total of 983 cases had been approved, with a cumulative loan disbursement balance of NT$118,035,826.
Financial inclusion
Delivery Person Loan
During the period of epidemic alert in 2021, the demand for delivery services has greatly increased, attracting many full-time or part-time people to enter the delivery service industry. However, when funds are often needed, it is difficult to obtain loans from banks because there is no proof of income. Therefore, KGI Bank launched the "Quick Repayment for Delivery Personnel" project, which allows screenshots of delivery remuneration to replace traditional financial documents and helps delivery partners obtain preferential loans by applying for small loans online. In 2025, there were 768 applicants, and among which, 201 applications were successful, representing a success rate of 26%. As of the end of 2025, a total of 2,270 cases had been approved, with a cumulative loan disbursement balance of NT$191,975,305.
During the period of epidemic alert in 2021, the demand for delivery services has greatly increased, attracting many full-time or part-time people to enter the delivery service industry. However, when funds are often needed, it is difficult to obtain loans from banks because there is no proof of income. Therefore, KGI Bank launched the "Quick Repayment for Delivery Personnel" project, which allows screenshots of delivery remuneration to replace traditional financial documents and helps delivery partners obtain preferential loans by applying for small loans online. In 2025, there were 768 applicants, and among which, 201 applications were successful, representing a success rate of 26%. As of the end of 2025, a total of 2,270 cases had been approved, with a cumulative loan disbursement balance of NT$191,975,305.
Financial inclusion
"Quick Repayment" Limited Amount Loan
In recent years, the low starting salary environment in Taiwan has made it inevitable for young people to encounter insufficient cash flow even if they are active. Therefore, the age group of customers who need micro-credit loans mainly falls between 25-39 years old. The biggest difference between KGI Bank's "Quick Repayment" compared with other general credit services on the market is that it can be repaid at any time, and the interest is calculated on a daily basis when it is used, and there is no penalty for early repayment. The loan receivers can repay at any time after they receive salary early next month. The project is aimed to support young people to immediately relieve short-term capital needs, and the interest rate is relatively economical. In 2025, there were 7,239 applications, with 2,775 successfully processed, resulting in a success rate of 38%. As of the end of 2025, a total of 8,577 cases had been approved, with a cumulative
loan disbursement balance of NT$472,122,093.
In recent years, the low starting salary environment in Taiwan has made it inevitable for young people to encounter insufficient cash flow even if they are active. Therefore, the age group of customers who need micro-credit loans mainly falls between 25-39 years old. The biggest difference between KGI Bank's "Quick Repayment" compared with other general credit services on the market is that it can be repaid at any time, and the interest is calculated on a daily basis when it is used, and there is no penalty for early repayment. The loan receivers can repay at any time after they receive salary early next month. The project is aimed to support young people to immediately relieve short-term capital needs, and the interest rate is relatively economical. In 2025, there were 7,239 applications, with 2,775 successfully processed, resulting in a success rate of 38%. As of the end of 2025, a total of 8,577 cases had been approved, with a cumulative
loan disbursement balance of NT$472,122,093.
Financial inclusion
Loans to Start-ups in Key Industries and Micro-Business
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. As of 2025, the outstanding balance of financing provided to small and micro businesses reached NT$2,091 million, with a total of 438 loan accounts.
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. As of 2025, the outstanding balance of financing provided to small and micro businesses reached NT$2,091 million, with a total of 438 loan accounts.
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 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 Handa Pharmaceuticals Inc. aims to develop a new orally disintegrating drugs for treatment of relapsing forms of multiple sclerosis, which can patients with
difficulty in swallowing through effective improvement on medication convenience with performance
update. Among these, portfolio company Evopoint Biosciences Co., Ltd. developed the world’s first beta-
lactam/beta-lactamase inhibitor (BL/BLI) combination product with broad-spectrum antibacterial activity
against three major carbapenem-resistant superbugs, thereby addressing the increasingly severe
challenge of superbug infections.
Note: The World Health Organization (WHO) lists drug-resistant Acinetobacter baumannii, drug-resistant Pseudomonas aeruginosa, and drug-resistant Enterobacterales as the top three superbugs.
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 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 Handa Pharmaceuticals Inc. aims to develop a new orally disintegrating drugs for treatment of relapsing forms of multiple sclerosis, which can patients with
difficulty in swallowing through effective improvement on medication convenience with performance
update. Among these, portfolio company Evopoint Biosciences Co., Ltd. developed the world’s first beta-
lactam/beta-lactamase inhibitor (BL/BLI) combination product with broad-spectrum antibacterial activity
against three major carbapenem-resistant superbugs, thereby addressing the increasingly severe
challenge of superbug infections.
Note: The World Health Organization (WHO) lists drug-resistant Acinetobacter baumannii, drug-resistant Pseudomonas aeruginosa, and drug-resistant Enterobacterales as the top three superbugs.
Industry-College Collaboration
To actively cultivate the next generation of financial talent, KGI Financial Group continues to invest in collaboration with universities and colleges, aiming to enhance students’ financial knowledge and help them accumulate practical experience through the following programs.
- Industry-College Collaboration Program : Collaborating with universities and colleges to establish industry-college programs, offering internship opportunities to senior undergraduate students and second-year master’s students, and providing incentives (e.g., service continuity and bonuses) for interns who transition to full-time employment. The initiative aims to cultivate entry-level talent for the financial sector.
- Summer Intern Program : Offering junior undergraduate students and first-year master‘s students from local and international universities the opportunity to gain hands-on experience in the company’s operations over the summer. This program allows students to participate in important projects and explore potential career paths, helping to identify future talent for the financial industry.
- Corporate Mentor : Partnering with universities and colleges to serve as corporate mentors, assisting students in gaining insights into future employment trends and aligning with workplace demands. The initiative demonstrates the Group’s commitment and responsibility in nurturing talent.
- Corporate Visit : Organizing corporate visit activities to help students gain a deeper understanding of the practical operations of the financial and insurance industries while exploring potential career paths.
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Employee Wellbeing
Employees are an important asset of the company. We provide a comprehensive system to achieve work-life balance.