Land Bank held its 2026 business meeting today, January 28. Chairman Ying-Ming Ho and General Manager Chih-Chien Chang stated that the Bank's main business focus this year is “leading innovation, creating value, and striving for sustainability.” They urged all managers to keep up with the times, create value, and upgrade sustainable business models, leading the Bank to deliver more remarkable results.
In his speech, Chairman Ho reviewed the Bank's performance last year. He thanked all colleagues for collectively achieving a record-high pre-tax profit of NT$20.034 billion. The loan loss provision coverage ratio reached 2007.24%, with a non-performing loan ratio of just 0.07% – both ranking first among all state-owned banks. Moreover, the Bank has also passed FSC’s “Fair Treatment of Customers Principles Assessment” for seven consecutive years. Last year, the Bank supported the government’s initiatives in combating fraud and strengthened its AI-based fraud detection models, fully demonstrating the state-owned bank’s resilience and fulfilling corporate social responsibility. In the coming year, the Bank will continue to keep a steady pace forward.
With fintech constantly evolving, Chairman Ho encouraged all managers to align with the Bank’s annual primary goals. By keeping a creative mindset and leveraging technological tools such as AI and automated processes, the Bank employees’ “hard power” and “soft power” can be enhanced. This helps the Bank develop its core competitive talents to become the customer’s best partners, jointly creating value-driven economic outcomes. In terms of green finance, we promote climate change risk management and GHG inventory while adhering to the accountability map and fulfilling corporate social responsibility. We strive to build an ESG‑focused image and a culture of integrity, embarking on a path toward sustainability.
At the same time, under the turbulence of reciprocal tariffs and the current financial market, in alignment with the national policies, Chairman Ho urged all managers to provide assistance to MSMEs in overcoming challenges. With the Bank's “one-stop real estate” service advantage, managers should proactively promote the Bank's measures such as “preferential export loan guarantees” and “specialized loans for diversified MSME development,” aimed to enhance flexibility in corporate funding. We will also implement the Executive Yuan’s policy of “supporting companies, safeguarding employment, and promoting upgrades,” making the Bank the strongest backing for MSMEs.
Chairman Ho concluded by asking all employees to be mindful of the Bank’s main business focus – “leading innovation, creating value, and striving for sustainability,” working together to make the Bank the most trusted financial partner in Taiwan. While striving for continuous growth, the Bank is motivated to provide financial services that put its customers first and treat them with passion and empathy. The Bank prioritizes each customer’s needs, fostering sustainable prosperity for companies, society, and the environment.
During his speech, General Manager Chang extended the Bank’s annual primary goals, specifically proposing five major directives: “strengthening financial resilience,” “cultivating core credit business,” “pioneering diversified profit streams,” “leveraging digital technology,” and “implementing responsible finance.” These five directives fully align with the Chairman’s previous encouragement – reflecting the Bank’s determination to build a sustainable future through financial innovation and a value-driven economy.
Strengthening financial resilience – aside from optimizing the structure of NTD and foreign currency deposits and loans, the Bank has also increased the proportion of demand deposits and control funding costs. At the same time, the Bank will strengthen liquidity management and asset allocation to stabilize net interest margins, ensuring steady operations amid market volatility.
Cultivating core credit business – with expertise in real estate, the Bank further takes a dual-engine approach that integrates corporate and personal finance. This strategy supports working capital needs of SMEs and emerging industrial parks. We will also align with the government policies to contribute to urban redevelopment and the reconstruction of unsafe and old urban buildings. The Bank will also expand green finance, renewable energy, low-carbon transition, and ESG-related credit facilities, assisting domestic industries upgrade and transform.
Pioneering diversified profit streams – Land Bank integrates corporate and personal financial resources to establish an integrated marketing model across products and departments. This model encompasses financial management, trust, securities underwriting, foreign exchange, and merchant acquiring, meeting our customers’ comprehensive financial needs. This approach increases the proportion of fee and non-interest income, further developing a more resilient and robust profit structure.
Leveraging digital technology – faced with the wave of AI, this approach is also a key directive for the Bank. With information security in mind, we are committed to refining our digital financial services. We will introduce intelligent customer service, process automation, and data analytics applications while optimizing online applications and the internal operating procedures. This will elevate our service efficiency and customer experience.
Implementing responsible finance – this is the Bank’s utmost priority. General Manager Chang stressed that responsible finance is more than just regulatory compliance, it is a fundamental commitment to society. With respect to preventing fraud, protecting customer rights, or bolstering internal governance mechanisms, the Bank must serve as a guardian. By doing this, the Bank deepens sustainable financial services, ensuring that while pursuing performance, the Bank upholds integrity, transparency, environmental responsibility, and social trust. This approach fully embodies the values of the state-owned bank, combining financial expertise with a social mission, and creating a safer and more inclusive financial environment for the people.
Contact person: Pei-Yu Liao
Tel.: 02- 2348-3064
