Land Bank

Land Bank of Taiwan continues to excel in eldercare trust services, winning the Trust Award in the “Trust 2.0 Plan Evaluation” by the Trust Association of R.O.C. for the third consecutive year. This year, the bank has enhanced service quality by systematizing processes, streamlining contract content, diversifying cross-industry alliances, and assigning specialized personnel to improve service delivery.   To create a “four-dimensional” trust service—encompassing breadth, height, depth, and warmth—the bank has appointed trust specialists at branches across Taiwan to provide comprehensive services. It has also consistently organized exclusive “Eldercare Financial Planning Consultant” courses, encouraging employees to earn professional certifications, thus building a high level of financial expertise. The bank has deepened its trust service offerings by integrating eldercare needs with long-term care institution services. Additionally, the bank has partnered with local governments to establish public eldercare trusts and collaborated with social welfare organizations to protect the trust assets of elderly individuals and those with disabilities, further enhancing the warmth of its trust services.   In addition to winning the Trust Award for three consecutive years, the bank has also been recognized as an “Outstanding Bank for Elders and Disabled Trust Property” for five consecutive years and has received recognition from the Financial Supervisory Commission for its adherence to the “Fair Treatment of Customers” principles for six years in a row, highlighting its commitment to inclusive financial services.     Contact: San-chao Hung Tel.: 02-2348-3938

Land Bank of Taiwan has implemented multiple strategies, including Know Your Customer (KYC) in-person care, designated transfer anti-fraud mechanisms, and incorporating abnormal transaction patterns into early warning systems. Over the past year, the bank successfully prevented nearly 200 fraud cases, blocking a total of NTD150 million. After joining the “Eagle Eye Anti-Fraud Alliance,” the bank has expanded its use of AI models to strengthen fraud prevention efforts.   As global technology continues to evolve, fraud tactics have become increasingly sophisticated. To combat new AI-driven fraud methods, Taiwan's Legislative Yuan recently passed the “New Four Anti-Fraud Laws” in a third reading, complementing the Executive Yuan's “1.5 Edition of the New Generation Anti-Fraud Strategy Action Plan.” This comprehensive plan includes measures such as education and awareness, message blocking, financial flow disruption, and investigation and enforcement, significantly boosting anti-fraud effectiveness. The plan will expand next year to include Anti-Fraud 2.0, establishing joint defense and reporting mechanisms between financial institutions and virtual asset service providers.   In line with the nation's upgraded anti-fraud plan, Land Bank of Taiwan proactively joined the “Eagle Eye Anti-Fraud Alliance,” formed by the National Police Agency under the Ministry of the Interior and 35 financial institutions across Taiwan. The bank has developed its “AI Abnormal Account Early Warning Model,” which went live in August this year (2024). Compared to past manual judgments, the model’s accuracy in predicting abnormal accounts has significantly improved. Once signs of suspected fraud appear, the bank can promptly monitor and manage accounts, effectively safeguarding customer assets.   In addition to leveraging technology, the bank has enhanced internal employee training, making it more detailed and comprehensive than in the past. It regularly invites the National Police Agency's Criminal Investigation Bureau to educate employees on financial fraud trends and techniques for preventing fraud at service counters. Special attention is given to cases such as non-passbook deposits into accounts not belonging to the customer, elderly clients, and long-time inactive customers. For customers who have been warned by law enforcement, stricter identity verification procedures are followed when making withdrawals, transfers, or remittances at service counters.   However, fraud prevention is not solely the responsibility of the government and banks—society plays a vital role as well. To raise public awareness of fraud prevention, Land Bank of Taiwan has actively promoted anti-fraud education through public welfare initiatives such as “Visiting 368 Townships Nationwide,” “Fraud Prevention Pioneers: Youth Stepping Up,” and events held by the Taiwan Financial Services Roundtable. These efforts have reached over a million people through the bank’s nationwide branches, official website, and social media platforms, helping to improve the public's financial literacy and fraud prevention knowledge and fulfill the bank’s corporate social responsibility.   Contact: Ku-chien Lin Tel.: 02-2348-3701

Recognizing the potential of the Greater South economy, Land Bank of Taiwan, in collaboration with ten financial institutions, signed a 15-year syndicated loan agreement worth NTD8.175 billion with E United Group and Great Emperor Hotel Co., Ltd. (Kaohsiung Marriott Hotel) on August 20, 2024. This agreement, which includes sustainability (ESG) indicators, aims to drive the development of Kaohsiung’s tourism industry.   E United Group has been deeply invested in the Kaohsiung market for many years. In 2014, they entrusted Land Bank of Taiwan with a NTD7.186 billion syndicated loan for the development of the E-Da Asia Plaza Commercial Building (later renamed ESKY LAND), a tourism hotel and a shopping plaza, significantly boosting domestic and international business travel to Kaohsiung and enhancing the city’s international tourism image.   For this NT$8.175 billion syndicated loan, Great Emperor Hotel Co., Ltd. (Kaohsiung Marriott Hotel) has once again selected Land Bank of Taiwan as the lead arranger and managing bank for the 15-year term. The funds will be used to repay the previous loan. The syndicated loan is supported by ten financial institutions, including First Commercial Bank, Mega International Commercial Bank, Taiwan Business Bank, Bank of Taiwan, Agricultural Bank of Taiwan, Bank of Kaohsiung, Chang Hwa Bank, Taiwan Cooperative Bank, Sunny Bank and Export-Import Bank of the Republic of China. This broad participation underscores the recognition and endorsement of E United Group and Great Emperor Hotel Co., Ltd.’s long-term effective management by these institutions.   Located next to the Love River, Great Emperor Hotel Co., Ltd. (Kaohsiung Marriott Hotel) is one of Taiwan’s major international boutique hotels, known as “Taiwan’s Most Beautiful Urban Hotel.” It features over 700 elegant rooms and the largest banquet venue in southern Taiwan, capable of hosting weddings, various banquets, business meetings and seminars. The hotel also includes restaurants offering a buffet, vegetarian dishes, a steakhouse and Japanese cuisine, meeting the dining needs of both guests and locals. In 2023, it ranked among the top five national tourist hotels, solidifying its position as a leader in southern Taiwan’s hotel industry.   To encourage sustainable development in the hotel industry, this syndicated loan includes sustainability (ESG) indicators. If E United Group and Great Emperor Hotel Co., Ltd. (Kaohsiung Marriott Hotel) meet the energy-saving goals set by the loan and contribute to environmental energy conservation, they will benefit from preferential loan rates.   This year (2014), Land Bank of Taiwan has focused on green finance and sustainable prosperity, actively seeking credit agreements with leaders in the circular economy and sustainable energy industries. We promote “Low Carbon Transition and Smart Upgrade Loans,” “Green Building Financing,” and “Renewable Energy Equipment Loans - Green Power Marketing” to help businesses seize green energy opportunities, and guide partners and individual customers towards sustainability, creating an ecosystem of mutual prosperity for the bank, society, and environment.     Contact: Tzu-Chen Yang Tel.: 02-2348-3391

To demonstrate its steadfast commitment to sustainable development, Land Bank of Taiwan signed on to the Task Force on Climate-related Financial Disclosures (TCFD) in April 2022. The bank continues to adopt international methodologies to enhance risk management, focusing on “Governance,” “Strategy,” “Risk Management,” and “Metrics and Targets” to improve its climate risk management framework. Following third-party verification by the British Standards Institution (BSI), Land Bank of Taiwan has been awarded the highest audit level, “Level 5+: Excellence,” by British Standards Institution (BSI), confirming that its TCFD practices meet international standards.   The bank has long been dedicated to sustainability and has actively participated in green finance initiatives, including various carbon reduction and environmental protection programs. It has set clear net-zero emission goals and is progressively achieving green transformation in its operations. The bank offers a range of green deposit, green loan, and green bond products, including leading sustainable performance-linked syndicated loans and issuing sustainable development bonds. It also focuses on opportunities in the green energy sector by providing “Green Power Purchase Trust” services and promoting the use of green building materials, energy-efficient low-carbon technologies, and seismic-resistant facilities through its “Green Building Financing Marketing Plan.”   Additionally, to reduce its own carbon footprint, the bank has implemented paperless operations, adopted energy-efficient equipment, and used renewable energy. Its headquarters has achieved international certifications for “ISO 50001 Energy Management Systems” and “ISO 14001 Environmental Management Systems.” The bank has also completed greenhouse gas inventories for all domestic and international operations, obtaining an “ISO 14064-1 Greenhouse Gas Verification Statement.” Key carbon reduction initiatives include upgrading its air conditioning systems and using solar power for self-consumption, which are central to its carbon reduction and sustainability efforts.   In line with international initiatives, the bank has signed and implemented the Equator Principles and produces annual sustainability reports following the global standards such as the Global Reporting Initiative (GRI). These reports, along with information on the corporate website and annual reports, enhance the quality and transparency of ESG disclosures.   To boost its sustainability competitiveness, the bank has made “Leading with Green Finance, Spreading Wings, and Sustainable Co-Prosperity” its operational focus for 2024. It has not only entered the carbon credit market but also achieved a milestone by passing the “Nangang Branch High-Efficiency Chilled Water Machine Project” review by the Ministry of the Environment, making it the first financial institution in Taiwan to complete a voluntary greenhouse gas reduction project. The bank has also set carbon reduction targets for its financing and investment clients, encouraging them to transition to low-carbon operations, and build a sustainable ecosystem for the bank, society and environment.   Contact: Peng-Chiao Chu Tel.: 02-2348-3794

Land Bank of Taiwan continues to champion the growth of emerging sectors! During the 57th business liaison meeting for general managers of domestic banks, held by the Financial Supervisory Commission (FSC) on June 25, 2024, the Land Bank of Taiwan was recognized for its continued excellence, receiving the “Excellence Award in Lending to Six Core Strategic Industries” for the second year in a row. Vice General Manager Tien-Sheng Chiu attended the event to accept this prestigious award on behalf of the Land Bank.   The FSC regularly organizes meetings in collaboration with the Bankers Association of The Republic of China to foster dialogue among senior executives of domestic banks. The session also serves to recognize banks that have excelled in lending to key sectors deemed vital for national growth. These sectors include the Information and Digital Industry, Cybersecurity Industry, Precision Health Industry, National Defense and Strategic Industry, Green and Renewable Energy Industry, and Strategic Stockpile Industry. This year, the Land Bank has once again distinguished itself through its notable contributions to these critical industries.   The Land Bank is steadfast in its commitment to achieving “balanced credit,” strategically enhancing its corporate lending capabilities while building on its strong foundation in land and construction financing. This approach is geared towards refining the credit structure and expanding its policy loan operations. Integral to this strategy is the inclusion of ESG (Environmental, Social, and Governance) criteria within its investment, financing, and product evaluation frameworks, propelling the Land Bank towards corporate sustainability.   The Land Bank's efforts in adjusting its credit structure have been fruitful, evidenced by a pre-tax profit of NT$17.043 billion in 2023—a record high that also showcases superior asset quality. By the end of 2023, Land Bank achieved a non-performing loan (NPL) ratio of 0.11% and a loan loss provision coverage ratio of 1,674.96%, both figures significantly outperforming the domestic banking average.   The Land Bank has also been instrumental in policy lending, particularly in supporting Taiwan’s emerging low-carbon sectors and small and medium-sized enterprises (SMEs) by facilitating essential financing. The Land Bank’s excellence in this area has been consistently recognized, receiving the “Excellence Award in Lending to Six Core Strategic Industries” from the FSC for two consecutive years, along with the “Outstanding SME Lending Bank Award for Balanced Regional Development - Central Region” in 2023. Furthermore, the Ministry of Economic Affairs honored it as an “Outstanding Financial Institution for Post-Pandemic Stimulus” under the SME Credit Guarantee Financing program in 2024.   In advancing its sustainable finance initiatives to achieve net-zero emissions, the Land Bank has recently completed the signing of the Equator Principles, supported the Task Force on Climate-related Financial Disclosures (TCFD), and continuously introduced third-party verification. In 2023, all domestic and overseas operation sites passed the verification of greenhouse gas emissions (Scopes 1 and 2) and received the ISO 14064-1 Greenhouse Gas Organization Verification Certificate. Furthermore, demonstrating its commitment to customer service and the domestic sports industry, the Land Bank has been ranked in the top 25% in the FSC’s Fair Customer Treatment Evaluation for five years in a row and has received the “Sports Promoter Award” from the Ministry of Education for 15 consecutive years.   This year, the Land Bank has adopted “Green Finance Leadership, Sustainable Co-Prosperity” as its operational focus. The Land Bank has spearheaded sustainability-linked syndicated loans, issued sustainable development bonds, and introduced green deposit schemes. It also capitalizes on green energy opportunities with initiatives like the “Green Electricity Payment Trust” and the “Green Building Financing Marketing Program,” which encourages the construction industry to adopt sustainable practices. These efforts underscore the Land Bank’s commitment to fostering a sustainable ecosystem that benefits not only the Land Bank but also the wider society and environment.   Contact: Tzu-Cheng Chen Tel.: 02-2348-3342

To foster the healthy growth of the green electricity sector, the Land Bank of Taiwan, in collaboration with Natural Power Company Ltd., launched the “Green Electricity Payment Trust” service in June 2024. This initiative is designed to create a reliable transaction mechanism between power generation, electricity sales, and purchasing entities, significantly mitigating the transactional risks associated with green electricity.   Amid escalating global climate challenges, over 130 nations, including Taiwan, are committed to achieving a Net Zero carbon emissions target by 2050. Major global tech companies are striving for 100% reliance on renewable energy as part of the RE100 initiative, prompting Taiwanese supply chain partners to enhance their use of green electricity.   To align with the Net Zero ambition and meet the surging demand for green electricity, the Ministry of Economic Affairs (MOEA) has implemented the Taiwan Renewable Energy Certificate (T-REC) and a green electricity trading platform within the bundled REC system. Furthermore, the MOEA recently allowed the transfer of electricity from second and third type solar power plants to renewable energy providers, who in turn can sell it to enterprise clients. By May of this year, 65 renewable energy electricity providers have secured permits from the Ministry of Economic Affairs.   Aligning with the emerging trends of the green electricity market, the financial sector is stepping up to meet the demands of environmentally conscious practices advocated by the Financial Supervisory Commission’s Green Finance Action Plan. Therefore, the sector is expanding its offerings of green financial products and services to support enterprises involved in power generation and electricity sales. As part of this initiative, the Land Bank of Taiwan, in collaboration with Natural Power Company Ltd., rolled out the “Green Electricity Payment Trust” in early 2024. Natural Power Company, a renewable energy electricity provider approved by the MOEA, has been offering professional services in green electricity investment, development, supply, and advisory services to enterprises since its establishment. Their primary clientele consists of companies with self-imposed carbon reduction goals.   To ensure the secure transaction of funds generated from green electricity sales between power generation, electricity sales, and electricity purchasing entities, the Land Bank provides the “Green Electricity Payment Trust” mechanism. Under this mechanism, electricity purchasers remit the electricity fees into a dedicated trust account managed by the Land Bank. The Land Bank first verifies the actual electricity consumption and payment amount of the users and compares it with the consumption details provided by the electricity sellers. Once verified, the Land Bank disburses the electricity sales revenue to the power generation and electricity sales entities. This ensures that the trust funds are used exclusively for their intended purpose, allowing for clear accounting and transparent cash flows among the three parties involved in green electricity transactions, thereby reducing transaction risks.   This year, the Land Bank is concentrating on advancing green finance and promoting sustainable prosperity. In April 2024, the Land Bank successfully issued a 1 billion NTD Sustainable Development Bond, with all funds raised for green investments and social impact initiatives. Additionally, at the end of April, the Land Bank Nankang Branch's High-Efficiency Chiller System Project received approval from the Ministry of Environment. This approval marks the Land Bank as the first financial institution in Taiwan to institute a voluntary greenhouse gas reduction program. Underscoring our commitment to environmental stewardship and sustainable business practices. The Land Bank will continue to guide corporate partners and individual customers towards sustainable goals, creating an ecosystem where banking, society, and the environment thrive together.   Contact: San-Chao Hung Tel.: 02-2348-3938

Art embraces a therapeutic flair! In June of 2024, the Land Bank of Taiwan’s “Gallery of Arts” will proudly host the “Journey of Light - Cho Min-Chu Solo Exhibition”. Featuring “light colors” and serene artistic themes, the exhibition is designed to usher visitors into a sensory realm of comfort and tranquility. The exhibition is scheduled to be held from June 5th (Wed) to June 26th (Wed), 2024.   The renowned psychologist Alfred Adler once observed, “A lucky person’s lifetime is cured by childhood, while an unlucky person’s lifetime is spent curing childhood.” This quote resonates deeply with artist Cho Min-Chu. At just five years old, her family’s difficult circumstances led to her being sent away to live as a “Tongyangxi” (child bride), marking the onset of a lonely and challenging childhood. These early experiences forged the emotional depth that permeates her art today.   Under the influence of her upbringing, Cho has honed a unique therapeutic style. Her visual works often feature vibrant colors dripping and splashing in “light” hues, combined with dream-like surreal images. These artworks invite viewers to move from spiritual bondage to enlightenment and transcendence. Her process of painting not only continues to mend her own childhood scars but also aims to offer healing through her visual narratives.   A graduate of the Department of Fine Arts at the National Taiwan University of Arts, Cho has established herself distinctly in the realm of therapeutic art. Her career highlights include receiving the Hong Foundation’s Children’s Illustration Excellence Award for her children’s books that draw on her childhood memories. Over the years, she has exhibited her works at prestigious venues like the Chiang Kai-shek Memorial Hall and participated in international art exchanges, such as the Taiwan-Japan calligraphy and painting exhibition at the Osaka City Museum of Fine Arts, along with numerous solo exhibitions at arts and cultural centers throughout Taiwan.   To enable public engagement with the distinct artistry of Cho Min-Chu, Land Bank, located at No. 46, Guanqian Road, Zhongzheng District, Taipei City, is set to host the “Journey of Light - Cho Min-Chu Solo Exhibition” at the bank’s “Gallery of Arts.” The exhibition commences on June 5, 2024 (Wednesday) and invites visitors every Monday to Friday, from 9:00 AM to 5:00 PM. Admission is free, with the venue closed on weekends and holidays. Cho herself will be present, displaying her works until the exhibition’s closure at noon on June 26, 2024 (Wednesday). Since 2005, Land Bank has actively supported local arts and culture. Through initiatives like the “Gallery of Arts,” the Land Bank has hosted hundreds of Taiwanese artists over nearly two decades. This sustained effort not only bolsters the bank’s reputation for social responsibility and cultural development but also inspires industry peers to support Taiwan’s vibrant local arts scene.   In addition to utilizing the “Gallery of Arts” initiative to celebrate and embed Taiwan’s local art scene, Land Bank adheres to the principles of “abundance, harmony, enthusiasm, and innovation,” championing the principles of inclusive finance and fulfilling corporate social responsibility. Looking back on the previous year, the Land Bank has organized over 300 charity events, with enthusiastic participation from over a thousand employees who volunteered their time and efforts. Furthermore, we’ve remained unwavering in our support for local smallholder farmers by purchasing seasonal agricultural products. Notably, we procured 15 tons of pineapples and 6.6 tons of pineapples and custard apples in the year 2023 alone, contributing to positive outcomes for farmers and society.   To foster the accessibility of inclusive financial services, the Land Bank is actively promoting the adoption of “Land Bank Pay,” such as by introducing the “Taiwan Pay” universal QR code payment service. By broadening the reach of mobile payment convenience across various platforms, the Land Bank integrates charitable initiatives and environmental conservation efforts through the “Land Bank x Taiwan Pay: Spreading Warmth, Lighting Hope” campaign. This allows the public to support charity by scanning QR codes with Land Bank Mobile Pay/Taiwan Pay, contributing to the development of a friendly and inclusive society.   Contact: Pei-yu Liao Tel.: 02-2348-3064

Land Bank’s badminton team scores medal in major international competition! Lin Chun-Yi, known as the “Left-handed Cannon,” in men’s singles, and the new men’s doubles pair Chen Zhi-Ray and Lin Yu-Chieh participated in the 2024 Badminton World Federation (BWF) Australian Super 500 Series, securing bronze medals in both men’s singles and men’s doubles.   Standing at 182 cm tall and renowned for his unique angled cross court smashes with his left hand, Lin Chun-Yi has earned the nickname “Left-handed Cannon.” Since his debut in professional tournaments in 2017, Lin has achieved numerous accolades. He clinched the Sydney International in his debut year, followed by 5 gold and 2 silver medals in 2022, and victories at the Thailand Masters Super 300 and Kaohsiung Masters Super 100 in 2023. This year, he added a bronze at the Malaysia Open Super 1000 and a gold at the Swiss Open Super 300.   In the semifinals of the Australian Open Super 500 Series, Lin Chun-Yi faced off against Japan’s top player, Kodai Naraoka, ranked 6th in the world. Adapting to Naraoka’s strategy of varied drop shots and lifts, Lin Chun-Yi agilely used his tactics to maintain resilience, resulting in a tightly contested match that lasted 60 minutes. Despite Lin’s determined efforts, Lin Chun-Yi missed two game points and ultimately lost with scores of 20-22, 21-23, settling for the bronze medal in the tournament.   In the men’s doubles category, the newly formed team of Chen Zhi-Ray and Lin Yu-Chieh, who currently rank 143rd worldwide, has quickly made a name for themselves. This year, they captured the championship at the Portugal International Championships and secured a bronze medal at the Orleans Masters Super 300. Their participation in the Australian Open Super 500 marked their entry into the highest-tier tournaments since teaming up. Ultimately, Chen Zhi-Ray and Lin Yu-Chieh emerged as dark horses to clinch the bronze medal in the men’s doubles, achieving their best record together.   Since establishing the badminton and women’s tennis teams in the 1970s, the Land Bank has served as the steadfast backbone for players, continuously strengthening career counseling and support systems. This ensures athletes can devote themselves fully to training and competitions with peace of mind. For those planning their retirement, the Land Bank offers counseling and training to help players transition into banking careers. Under a robust training regimen and comprehensive support systems, the Land Bank has nurtured outstanding athletes in recent years, including “Lin-Yang Pair” Wang Chi-Lin, “Small Cannon” Liang En-Shuo in women’s tennis, “Left-handed Cannon” Lin Chun-Yi in men’s singles, mixed doubles talents Chang Ko-Chi/Lee Chih-Chen, “Lee Brothers” Lee Fang-Jen/Lee Fang-Chih, and “Flash” Su Li-Yang, among others.   To ensure that our national athletes pass on their sports expertise and spirit to the next generation, the Land Bank’s badminton team organizes annual badminton camps and community outreach teaching activities, demonstrating our corporate social responsibility. Through longstanding efforts, we have been honored with the Ministry of Education’s Sports Promoter Awards, including the Sponsorship Gold Award, Long-term Sponsorship Award, and Promotion Gold Award, for 15 consecutive years.   This year, the Land Bank is concentrating on advancing green finance and promoting sustainable prosperity. In April 2024, the Land Bank successfully issued a NT$1 billion Sustainable Development Bond, with all funds raised intended for green investments and social impact initiatives. Additionally, at the end of April, the Land Bank Nankang Branch’s High-Efficiency Chilled Water System Project received approval from the Ministry of Environment. This approval marks us as the first financial institution in Taiwan to have a voluntary greenhouse gas reduction project sanctioned, underscoring our commitment to environmental stewardship and sustainable business practices. The Land Bank will continue to guide corporate partners and individual customers towards sustainable goals, creating an ecosystem where banking, society, and the environment thrive together.   Contact person: Li Chun-Chang Tel.: 02-2217-3271 #121

In response to the Financial Supervisory Commission's Trust 2.0 Campus Outreach Plan and the principle of financial inclusion, the Land Bank of Taiwan held a trust knowledge promotion event at the National Central University Baseball League game on April 25, 2024. This event not only supported student sports activities but also introduced the concepts, structure, and benefits of trusts. It aimed to establish students' investment and financial management concepts, promote the use of bank fund management services, and integrate marketing to expand digital deposit accounts, encouraging young students to develop good investment and savings habits early on.   In recent years, the Financial Supervisory Commission has actively promoted the Trust 2.0 Plan, encouraging banks to offer various trust products such as pension trusts, employee welfare trusts, and pre-sale housing-related trusts. This initiative aims to transform trusts from financial management tools into protection mechanisms for the general public, fostering growth in trust assets and enhancing the benefits of financial inclusion.   To support the Financial Supervisory Commission's Trust 2.0 Plan, the Land Bank of Taiwan has recently launched five major trust services: "Social Welfare Pension Trust," "Public Welfare Pension Trust," "Pre-Opened Pension/Insurance Money Trust," "Social Housing Elderly Rental and Pension Trust," and "Elderly Housing Trust Integrated Services." The bank also offers long-term customized pension trust contracts to ensure dedicated fund use, protect the rights of trust clients, and implement financial inclusion principles.   In response to the Financial Supervisory Commission's Trust 2.0 Campus Outreach Plan, the Land Bank of Taiwan visited the National Central University to share trust business knowledge. This initiative aimed to provide students with a deep understanding of trust concepts, including property protection, retirement pensions, care for disadvantaged children, and investment management. It sought to instill trust in knowledge among young students.   As a fully state-owned bank, the Land Bank of Taiwan has consistently adhered to the principle of "taking from society, giving back to society" to implement financial inclusion. Through long-term dedication, the bank has not only won the Financial Supervisory Commission's Pension Trust Award for two consecutive terms but has also been recognized as an "Outstanding Bank in Fair Customer Treatment Principles in the Financial Services Industry" by the Financial Supervisory Commission for five consecutive years. Additionally, the bank has received the "Outstanding Bank for Elderly and Disabled Property Trust Evaluation" award from the Financial Supervisory Commission for five consecutive years. These honors effectively promote public welfare and facilitate inclusive growth.   The bank will continue to uphold its core values of "Abundance, Harmony, Enthusiasm, and Innovation," creating a warm and secure financial environment for society and playing a more active role in the positive development of the environment, society, and economy.   Contact: Ssu-Heng Chen Tel.: 02-2348-3956