To respond to development of electronic technology, the Land Bank actively promoted 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 combined its deposits and real-estate trust businesses to actively solicit demand saving deposits. As of year end 2009, the total amount of deposits reached NT$1,790.8 billion.

To consolidate the corporate banking business, the Land Bank continued to utilize its “Integrated Supply Chain” service mechanism in real estate to undertake construction industry loans, devoted itself to promoting joint credit business, and conducted various development and marketing training sessions and professional expertise seminars, in order to increase marketing capability and facilitate business development. As of year end 2009, the total amount of loans made by the Bank out of its own funds reached NT$1,531.3 billion, within which corporate banking loans accounted for NT$816.3 billion.

To be in line with government policies, the Land Bank actively provided policy-oriented preferential housing loans like “additionally-appropriated NT$400 billion preferential house purchase loan,” “house purchase loan for young homeowners with zero interest rate for the first two years,” and “integrated house building, purchase and repair loan.” To fully utilize its funds, the Bank continued to maintain housing loans and consumer loans as its core businesses in consumer banking, and made “Elite Housing Loan,” “Quality Housing Loan,” “Preferential-Rate Decreasing Term Housing Loan” and “Integrated Consumer Loan” its feature products. The Bank further positioned credit card business as part of its product marketing channels, where the cards were integrated marketing with deposit and loan businesses, expecting to build a closer relationship with its customers and offer diverse products for the choice of the customers, to expand its business scope in consumer banking. As of year end 2009, consumer banking loans reached NT$831.72 billion, within which housing loans accounted for NT$635.23 billion and consumer loans accounted for NT$46.22 billion.

As of year end 2009, trust funds managed by the Land Bank included 976 types of overseas mutual funds and 451 types of domestic mutual funds, where the trust investment in domestic and overseas negotiable securities reached NT$43.58 billion, and accumulatively 490 cases of real estate trust had been undertaken, with a total value of NT$70.80 billion. To be in line with adoption of the Financial Assets Securitization Act and the Real Estate Securitization Act, on 14th February, 2003, the Land Bank launched the first product of financial asset securitization in Taiwan. As of year end 2009, the Bank had acted as the trustee institution to undertake 25 cases of financial assets securitization, within which 18 cases were still under execution, with a total issuance amount of NT$74.84 billion, and had acted as the trustee institution to undertake 7 cases of real estate securitization, within which 6 cases were still under execution, with a total issuance amount of NT$42.97 billion, making the Bank an industry leader in both securitization trustee and real estate trust businesses.

To increase income from risk-free administrative fees, and to develop wealth management business tailored to the attributes of Land Bank customers, the Bank not only vigorously developed investment products such as insurance and mutual 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, investment and health, and established its first wealth management branch－Chengjhong Branch, to enhance communication and relations with its premier customers. In 2009, the Bank continued to introduce various life and property insurance products, and it actively expanded its housing loan life insurance and construction engineering insurance businesses. In addition, the Bank introduced principal repayment life insurance to attract conservative customers after the financial tsunami. And to respond to overseas income being subject to taxation and overseas Taiwanese funds returning to the domestic market, the Bank further introduced the products of foreign-currency-denominated endowment insurance and foreign-currency-denominated interest sensitive annuity insurance. As of year end 2009, trust investment in domestic and overseas mutual funds reached NT$43.32 billion, and the total written insurance premium from bancassurance products reached NT$7.25 billion.

To cope with the trend of financial internationalization, and expand foreign exchange and international banking businesses, the Land Bank increased its locations for foreign exchange transactions to advance growth and development of its foreign exchange business. As of year end 2009, the Bank operated 40 authorized foreign exchange business units, 82 branches that handle purchase/sale of foreign currencies and traveler’s checks, and 5 overseas branches and representative offices, in connection with 2,566 overseas correspondent banks spreading across major financial centers throughout the world. The transaction volume of foreign exchange business reached US$35.13 billion as of year end 2009, within which import transactions amounted to US$5.22 billion or 14.85% of the total, export transactions amounted to US$3.34 billion or 9.50% of the total, and remittances amounted to US$26.58 billion or 75.65% of the total.

For the year 2009, the Land Bank reported total operating revenues of NT$40.43 billion and total operating expenses of NT$32.25 billion, leaving a pre-tax net income of NT$8.17 billion. The Bank further had a pre-tax return on assets of 0.39%, a pre-tax return on net worth of 7.93%, a pre-tax net profit margin of 20.52%, as well as a pre-tax EPS of NT$3.25 for the year 2009.