To respond to the development of electronic technology, the Bank actively promoted the automation of various operations to provide customers with diverse financial services; in addition, to reinforce the structure of deposits and reduce capital costs, the Bank integrated its real-estate trust business and actively solicited demand saving deposits. As of year end 2008, the total amount of deposits stood at NT$1,710 billion.

To consolidate the corporate banking business, the Bank continued to utilize the “Integrated Supply Chain” mechanism in real estate to undertake the construction industry loan, devoted itself to promoting joint credit business, and conducted various development and marketing trainings and professional expertise seminars, to increase marketing capability and facilitate business development. As of year end 2008, the total amount of loans made by the Bank out of its own funds stood at NT$1,499.6 billion, of which corporate banking loans reached NT$796.6 billion.

To be in line with government policies, the Bank provided policy-oriented preferential housing loans and comprehensive agriculture and fishery financing for the sectors of agriculture, forestry, fishery, and livestock; to fully utilize its funds, the Bank continually upheld housing loans and consumer loans as its core businesses in consumer banking, and made “Elite Housing Loan,” “Decreasing Term Preferential Housing Loan” and “Integrated Consumer Loan” its feature products; the Bank further positioned credit card business as part of its product marketing channel, where cards were issued based on the principle of “Quality Over Quantity” and promoted jointly with deposit and loan businesses in the expectation of building a more solid relationship with customers, and it also provided diverse products for the choice of its customers, to expand its business scope in consumer banking. As of year end 2008, consumer banking loans reached NT$815.1 billion (including NT$706.2 billion out of its own funds and NT$108.9 billion out of its clients’ funds), and the revolving line of credit for credit cards stood at NT$489.03 million.
 

As of year end 2008, trust funds managed by the Bank included 748 types of overseas mutual funds and 435 types of domestic mutual funds, where the trust investment in domestic and overseas negotiable securities reached NT$32.10057 billion, and accumulatively 343 cases of real estate trust had been undertaken, with a total value of NT$48.87039 billion. To be in line with the adoption of the Financial Assets Securitization Act and the Real Estate Securitization Act, the Bank issued the first product of financial asset securitization in Taiwan on 14th February, 2003. As of year end 2008, the Bank had acted as the trustee institution to undertake 22 cases of financial asset securitization with a total issuance amount of NT$104.1 billion, and acted as the trustee institution to undertake 7 cases of real estate securitization with a total issuance amount of NT$35.942 billion, making the Bank the industry leader in both the securitization trustee and the real estate trust businesses.

To increase income from risk-free administrative fees, and to develop wealth management business tailored to the attributes of its customers, the Bank not only vigorously introduced investment products such as insurance and funds, but also planned integrated marketing projects that attend to both customer groups and business features, trained financial planning personnel to promote various investment and financial products, held a series of seminars on wealth, life and health, and consecutively established 10 wealth management flagship branches, to enhance communication and relations with its premier customers. In 2008, the Bank retained its bancassurance products of annuity insurance, decreasing term housing loan life insurance, investment insurance, whole-life insurance, group term life insurance, accident insurance, and automobile insurance, while it further introduced the new products of principal repayment medical insurance, engineering insurance, liability insurance, and marine insurance. As of year end 2008, the total written insurance premium from bancassurance products reached NT$9.58696 billion, an increase of NT$3.33314 billion compared to year end 2007, with a growth rate of 53.30%.
 

To cope with the trend of financial internationalization, and expand foreign exchange and international banking businesses, the Bank increased its locations for foreign exchange transactions to stimulate the growth and development of its foreign exchange business. As of year end 2008, the Bank operated 36 authorized foreign exchange business units, 84 branches that handle purchase/sale of foreign currencies and traveler’s checks, and 5 overseas branches and representative offices, in connection with 2,501 overseas correspondent banks spread across major financial centers all over the world. The transaction volume of foreign exchange business reached US$38.478 billion as of year end 2008, of which import transactions amounted to US$7.39 billion or 19.2% of the total, export transactions amounted to US$3.293 billion or 8.56% of the total, and remittances amounted to US$27.795 billion or 72.24% of the total.

The Bank reported total operating revenues of NT$63.633 billion and total operating expenses of NT$56.073 billion, leaving a pre-tax net income of NT$7.559 billion for the year of 2008. The Bank had a pre-tax return on assets of 0.38%, a pre-tax return on net worth of 7.57%, a pre-tax net profit margin of 12.05%, as well as a pre-tax EPS of NT$3.02 for the year 2008.