Responsible Lending
Sustainable Lending Business
E.SUN has been a long-term supporter of environmentally and socially sustainable industries. In order to respond to international trends and domestic policies we continuously support businesses in investing in green projects such as renewable energy, energy storage systems, green buildings, and energy-efficient equipment through green loans and sustainability-linked loans while encouraging them to achieve their sustainability transformation goals.
Credit ESG-related risks management
E.SUN has developed a responsible loan service process taking into consideration potential ESG- related risks. Each credit application undergoes an ESG assessment, including checks on sensitive industries, significant environmental and social negative events, climate risks, and environmental ones. If a credit applicant is deemed high-risk, further investigation is conducted to understand the company's responses and remedies. Besides, E.SUN became a member of the Equator Principles in 2015 to assess project finance cases, such as large-scale infrastructure projects. Following the latest Equator Principles framework, we evaluate each relevant project to ensure that higher-risk projects implement environmental and social management throughout the development process.
Sustainable Transformation Services
Hoping for more corporates to respond to ESG issues, E.SUN offers information on net-zero and sustainable transformation to corporate clients through various initiatives, including advocacy campaigns, corporate ESG consultation and engagement, as well as net-zero discussions. In addition, E.SUN collaborate with professional institutions in net-zero and sustainability to establish a sustainable transformation platform providing industry workshops, ESG checkups and other services coupled with financial services like green loans and sustainability-linked loans, in order to collaboratively accomplish green transition alongside clients.
Sustainable Investment Business
Responsible Investment
Responsible Investment
E.SUN promotes the long-term value of our customers, employees, and shareholders, aiming to foster collaboration with our business partners along the value chain to work together on climate change, environmental protection, and social welfare. Referencing the Principles for Responsible Investment (PRI), E.SUN incorporates environmental, social, and corporate governance (ESG) issues into the investment policy and utilizes domestic and international sustainability indicators of impartial institutions for assessment and management procedures to integrate these factors into self-developed investing evaluation model as part of the investment decision-making process. As the first financial institution in Taiwan and the second in Asia to receive validation of Science Based Targets (SBT), E.SUN included SBT carbon reduction target reviews and carbon pricing costs into the model evaluation criteria in 2022, continually aligning with international development trends.
Sustainable Bond
Sustainable Bond Issuance
E.SUN continues to invest in environment- and community-friendly industries. Following the issuance of the country's first green bond in 2017, E.SUN adopts a financial management strategy that integrates the concept of sustainable development, the funds raised are lent to support green investment plans involving renewable energy, greenhouse gas reduction, and water resource conservation, as well as socially beneficial investment plans such as basic service requirements, affordable housing, socioeconomic advancement, and protection of interests and rights. E.SUN aims to leverage our financial influence to make a positive impact.
Sustainable Bond Underwriting
E.SUN fully supports the government's sustainable development policies by integrating sustainability concepts and principles into our core financial business. We assist enterprises in sustainable financing, channeling funds into activities that benefit the environment and society, continuing to expand the underwriting volume of sustainable bonds, and thus exerting our influence in the capital market.
Personal Green Lifestyle & Financial Inclusion
Personal Green Lifestyle
Personal Green Lifestyle
Personal green living integrates environmental awareness into daily consumption and financial decisions. It encourages consumers to choose sustainable products and embrace a low-carbon lifestyle. Through these actions, individuals not only reduce their carbon footprint but also inspire others to join the movement, collectively fostering a more sustainable future.
Responsible Products
E.SUN links customer spending to environmental and social good. From eco-friendly and carbon-footprint-labeled credit cards to charitable donation and personal impact of cleaner transportation, these services transform every transaction into a force for sustainability. This allows customers to meet their financial needs while contributing meaningfully to society and the environment.
Sustainable Communication and Engagement
E.SUN actively connects with customers on sustainability through various channels. By promoting “sustainable acquiring” for businesses, hosting Earth Day events to encourage low-carbon living, and spreading ESG knowledge via official websites and social media, these initiatives aim to create a cohesive ecosystem. They transform sustainability from a mere concept into a shared practice.
Financial Inclusion
Inclusive Finance
Inclusive Financial Products
Inclusive financial products target vulnerable groups, youth, seniors, and microenterprises by offering affordable loans, insurance, trusts, and investment tools. The goal is to reduce entry barriers, prevent exclusion from finance, and promote fair, inclusive growth.
Inclusive Financial Services
Through a dual approach of physical and digital channels, E.SUN provides friendly and convenient financial services. In physical branches, E.SUN offers multilingual ATMs and bilingual services, while also installing accessible equipment for people with disabilities. Digitally, convenient online account opening, embedded financial services, and cardless ATM withdrawal via QR code ensure that customers in remote areas can easily access banking services, effectively bridging the digital and geographical divide.
Cultivate Financial Literacy
E.SUN believes that financial knowledge is key to achieving inclusive finance. E.SUN uses various channels to lower the learning barrier and close the information gap. From the "Little Financial Experts " for students and "E.SUN Financial Education for Kids", to the "Financial Knowledge Section" for the general public, E.SUN provides a comprehensive approach to enhance financial literacy across society. E.SUN also holds anti-fraud seminars for the elderly and educates young people on proper investment concepts.
Wealth Management
E.SUN has mastered sustainable development trends and incorporates ESG assessment criteria in its financial product reviews. These ESG criteria serve as references and standards for E.SUN to manage products. By doing this, we create influence together with our customers. E.SUN also actively promotes social equity and enhances the usability of financial services, providing a diverse range of inclusive financial products and services for economically disadvantaged, physically and mentally disabled, elderly, and youth groups. These include products for aging insurance, microinsurance, small amount whole life insurance, and elderly and disabilities trusts, among others, to build a social safety net and fulfill corporate social responsibility.
FinTech and Innovation
Sustainability and digital transformation are key to corporate development. E.SUN Bank has integrated ESG principles into domestic and international business expansion, high-end customer engagement, fintech initiatives, and the management of three lines of defense, establishing itself as a human-centered digital financial leader. E.SUN Bank boasts a technology team of over one thousand professionals responsible for comprehensive digital development, intelligent applications, information research and development, and cybersecurity management. Through five major AI applications encompassing research and development services, marketing, processes, risk management, and empowerment, we leverage financial intelligence as a core competitive advantage. In the global movement towards net zero and the adoption of AI technologies, E.SUN Bank upholds the vision of "Every staff in E.SUN becoming world-class citizens and E.SUN becoming a world-class corporate citizen." We actively harness our financial influence to assist society in achieving dual transformation in sustainability and digitalization.
Digital foundation
Through the optimization of generative AI platforms, enhancement of cloud backup, and improvement of resource utilization efficiency, we are actively promoting digital transformation to ensure information security and service resilience while enhancing innovative service capabilities.
Protecting Patented Technology
E.SUN has implemented Taiwan's Intellectual Property Management System and obtained the A-level certification. Through measures such as intellectual property risk assessment, patent proposal review mechanisms, and intellectual property-related advocacy and education, we have realized intelligent services and technological advantages.
Financial Innovation Applications
E.SUN enhances customer experience through digital service optimization by launching innovative digital services, including Intelligent IVR System, E.SUN Artificial Intelligent Platform, Mobile Banking, Digital Saving Account.
