Land Bank

A back-to-work ceremony welcoming the fortune god was held! A speech was delivered by the Bank’s Chairman He Ying-Ming today (February 23, 2026), stating that the Bank achieved a record-high pre-tax profit of NT$20.034 billion in 2025. Looking ahead to the Year of the Horse, the Bank will adhere its business focus on “leading innovation, creating value, and striving for sustainability,” leveraging an innovative mindset to deliver new value to its customers. At the same time, the Bank will align with the national policies, striving to become the most trustworthy financial partner in Taiwan.   Today marks the first working day after the Lunar New Year holiday. The Bank held a Spring Festival ceremony with Chairman He Ying-Ming and General Manager Chang Chih-Chien, along with department heads, connected via video conference with all business units, encouraging them to strive to achieve new heights in the coming year. Accompanied by two God of Fortune figures, they visited the Business Department and gave chocolates, symbolizing good fortune and prosperity for the Year of the Horse, and providing festive cheer to both the Bank and its customers.   Under the leadership of Chairman He, the Bank delivered outstanding results in 2025 with respect to operational performance, risk management, and asset quality. In addition to record-high pre-tax profits, the Bank’s non-performing loan ratio was just 0.07% and its loan loss provision coverage ratio was 2007.24%—both metrics ranking first among all state-owned banks. This showcased the Bank’s collaborative relationship with its colleagues.   2025 was another productive year for the Bank in terms of sustainable development and social responsibility. Not only did the Bank win all three major awards in the “Sports Activist Award” for the 17th consecutive year, we also passed the FSC’s “Fair Treatment of Customers Principles Assessment” for the 7th consecutive year. Moreover, for the first time, the Bank received the “iTaiwan iSports Award,” and secured eight awards at the “22nd National Brand Yushan Awards,” where the Bank received recognition from the President. Being honored with these awards has truly demonstrated the Bank’s commitment to sustainability.   A new year comes with new resolutions—Chairman He pointed out that amid changes in the financial landscape, bank managers must maintain a diligent and attentive attitude in continuing to develop new customers and business opportunities. This year, high-net-worth business services will be launched and performance targets will be set, aiming to achieve new highs in wealth management and credit business across all segments. Meanwhile, the Bank will accelerate the re-construction of its headquarters building. By doing so, not only will we revitalize land assets but also create a safer, more comfortable, and eco-friendly office environment; aligning with our business philosophy of sustainable development and providing people-centered financial services.   Contact person: Liao Pei-Yu Tel.: 02- 2348-3064

To show appreciation to our customers for their long-standing support, we presented them with “Fortune Water” on the first day (February 23, 2026) back to work after the Lunar New Year holiday. The bottle, featuring images of a golden horse alongside the Earth God and Earth Grandmother giving red envelopes, symbolizes good luck and fortune in the Year of the Horse. We wish all customers a prosperous year and bright financial future. The quantity of bottled fortune water is subject to availability.   We are a state-owned bank, deeply trusted by the public. Products such as funds, bonds, insurance, or gold savings account can be opened with the Bank in one go. We also provide assistance to customers implementing their financial plans after they retire, wealth transfer, as well as other life plans. Our dedication to customers was recognized as we won first place in the “Best Bank in Inclusive Finance” category at the “19th Wealth Management Bank and Securities Evaluation.”   At Land Bank, we uphold the core spirit of “Safeguarding Customer Funds.” We provide attention-to-detail services to customers and in return, our customers trust us and continue to bank with us. Land Bank’s wealth management is the best partner to help our customers realize their dreams at different stages of life. During this festive season, we sincerely invite the public to visit our branch to inquire about our financial products. We wish our customers prosperity in their investments in the coming year.   Contact person: Liu Chen-Chi Tel.: 02- 2348-4085

We have long been involved in environmental sustainability initiatives. Our efforts were recognized by the National Property Administration, MOF, earning a Certificate of Appreciation for our participation in the “National Non-Public Use Marginal Land Adoption for Environmental Protection Purposes.” Land Bank's Deputy General Manager Pei-Yu Cheng accepted the certificate on behalf of the Bank, fully demonstrating concrete achievements in collaboration between the public and private sectors for sustainability.   With a means to implement national land conservation, the National Property Administration has been proactively facilitating private sector adoption of non-public use marginal land since 2019. Through concrete actions, the Bank has joined forces with the Taiwan Wetland Conservation Alliance. By combining wetland ecology courses with seminars on financial management, we promoted environmental education while developing the financial literacy and fraud prevention knowledge of school children. We were awarded a Certificate of Appreciation by the Ministry of Finance, recognizing our passion and commitment to social care and environmental sustainability   Consequently, the Bank actively supports the government's policies and uses its financial influence to introduce a number of initiatives – green construction financing, low-carbon transition and sustainable ocean finance, green power and green profit marketing project, and the issuance of sustainability bonds. These initiatives aim to guide capital toward sustainable development. At the same time, the Bank offers a wide range of financial products – green and sustainable deposits, credit cards, and sustainability-related funds and insurance, demonstrating our commitment to sustainable finance.   Adhering to the principle of “putting customer interests first,” not only have we been recognized as an outstanding institution in the “Fair Treatment of Customers Principles Assessment” by the FSC for seven consecutive years, we have also won the “Social Inclusion Leadership Award” of the TCSA for four consecutive years. Participating for the first time, the Bank secured eight awards at the “22nd National Brand Yushan Awards,” including First Prize in the “Outstanding Corporate Leader” and “Most Popular Brand” categories. In the future, the Bank will continue to strengthen its financial influence and make every effort to lead key players across different sectors in participating in sustainable development. At Land Bank, we strive to become a high-quality financial institution that possesses professionalism and fulfils its corporate responsibility.   Contact person: Cheng-Yu Liao Tel.: 02- 2348-3283

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

The Bank’s proactive efforts in developing comprehensive trust services have paid off! On December 24, 2025, Land Bank secured four awards – Best Philanthropic Trust Innovation Award, Best Sustainable Trust Innovation Award, Best Real Estate Management Trust Innovation Award, and Best Urban Redevelopment Trust Innovation Award – at the 2025 Trust Awards organized by Commercial Times. These awards further recognize Land Bank’s long-term commitment to promoting innovative trust services.   At Land Bank, we have long been committed to public welfare and corporate social responsibility. In 2004, we established our first educational philanthropic trust. In 2016, we combined corporate and philanthropic resources with local governments in 19 counties and cities across Taiwan to promote the “Social Welfare Charitable Care Trust.” This initiative uses donated funds to support low- and middle-income households and people with disabilities, stabilizing their livelihoods and ensuring their long-term care. Moreover, in December 2022, the Bank established Taiwan’s first will‑based nationwide social welfare and philanthropic trust (the Yung‑Tang Wen‑Hui Philanthropic Trust) in the form of a will, setting a new benchmark for public welfare trusts in the country. As of the end of this year, we have initiated 42 philanthropic trusts, successfully raising over NT$350 million to support low- and middle-income households and people with disabilities, benefiting more than 5,600 people. We have long been involved in cultivating philanthropic trusts and have achieved the record of winning the Best Philanthropic Trust Innovation Award for five consecutive years.   As we have made our best efforts to advance trust innovation services, we hold a leading position in the securitization business. In terms of financial asset securitization, we collaborated with leasing companies to launch securitization products based on lease receivables. Some lessees operate in the green energy and energy-efficient equipment manufacturing industries, and through securitization, their capital can be effectively channeled toward production practices with low-carbon, energy-saving, and environmental benefits. This initiative directly drives carbon reduction and energy transition, meeting demands for financial market innovation while aligning with global ESG and sustainable finance trends. Our dedication was recognized with this year’s Best Sustainable Trust Innovation Award.   In the area of real estate securitization, the three real estate investment trust (REIT) funds managed by the Bank have consistently pursued investments in assets that have been revitalized over the years. In response to the recent global restructuring of manufacturing supply chains, the government encourages Taiwanese companies to relocate back to Taiwan, which has contributed to industrial facilities becoming a new trend in the real estate transaction market. By investing in properties with appreciation and income-generating potential, we aim to build a well-balanced asset portfolio for our REITs. In doing this, we are able to generate long-term, stable rental income and capital gains, maximizing the interests of the beneficiaries.   In order to address safety concerns in aging and dangerous buildings, the Bank rebuilt the “Taipei Zhonghua Building” owned by Cathay No. 1 REIT through an urban redevelopment project, making it the first urban renewal case implemented through a REIT fund in Taiwan. The new building was constructed using green design and materials and has received the “Gold” Green Building Label. All units in the new building were fully leased by 2024, generating adequate rental income and asset value. Consequently, the Bank was honored with the Best Real Estate Management Trust Innovation Award.   With the objective of “Urban Redevelopment Trust for Sustainable Prosperity” in mind, Land Bank spares no effort in assisting the revitalization of aging and dangerous buildings. On the path toward attaining sustainability, we actively deepen our existing business foundations to achieve urban redevelopment with a trust mechanism. At Land Bank, local services are emphasized, and “urban redevelopment” trusts are promoted across all branches. Through a trust mechanism, we provide well-rounded solutions, establishing a tripartite trust platform for the landowner, developer, and bank. This approach accelerates land consolidation and construction, promotes urban land redevelopment, and increases the sustainable value of social welfare. By proactively integrating resources and delivering comprehensive one-stop trust services, the Bank was honored with the Best Urban Redevelopment Trust Innovation Award.   Our development – centered on diversified trust services – strives to achieve the goals of innovation, inclusiveness, and sustainability. We are keen to evolve from “fund manager” to “guardian of trust and wealth.” In the future, we will continue to adhere to our core values of “abundance, harmony, enthusiasm, and innovation,” while creating a heartwarming and secure financial environment for society, playing a role that contributes positive energy to the overall environment, society, and economy.   Contact Person: Chen Li-Cheng Tel: 02-2348-3956

To align with the Health Promotion Administration’s initiatives and enhance blood pressure awareness among the public, the Land Bank has become the first state-owned bank to install blood pressure stations in all 148 of its branches across Taiwan. This initiative provides timely and convenient blood pressure monitoring services, demonstrating the sustainable impact of the financial sector by expanding healthcare to banking locations and fostering healthier lives for our customers, employees, local communities, and suppliers.   According to statistics from the Ministry of Health and Welfare, chronic diseases such as hypertension, hyperglycemia, and hyperlipidemia – the “three highs” – account for approximately 30% of the top ten causes of death in Taiwan. To make a difference, Land Bank aligned with the “722 Blood Pressure Monitoring Station” initiative of the Health Promotion Administration. Across all branches in Taiwan, Land Bank has set up a nationwide network of blood pressure monitoring stations, ensuring the accuracy of equipment, the quality of facilities, and the clarity of usage instructions. By integrating health management into people’s daily lives, the Bank demonstrates its steadfast commitment to community engagement   Land Bank’s top priority is the welfare of our employees. We regularly provide education and training on occupational health and safety and implement initiatives such as “Prevention of Abnormal Workloads,” “Prevention of Human Factors Hazards,” and “Maternal Health Protection,” to safeguard our employees’ physical and mental health. We also conduct workplace environmental checks for carbon dioxide, achieving 100% compliance with standards. This year (2025), 89 branches received certification under the Health Promotion Administration’s “Workplace Health Promotion Self-Assessment Program.” Our Headquarters also fully implemented ISO 45001 – Occupational Health and Safety Management System from the British Standards Institution (BSI). Meanwhile, in response to the “Net-Zero Green Living” campaign initiated by the Ministry of Environment, focusing on environmental issues, we provide environmentally friendly, low carbon meals and dining experiences. This aims to minimize environmental impact while addressing climate change, food safety, and circular economy concerns. Furthermore, Land Bank’s employee canteen has been certified as a green canteen by the Ministry of Environment’s “Green Living Platform,” reducing environmental burdens. This coincides with our commitment to safeguarding employee health.   In the future, as we pursue steady operations, we will also strive to practice sustainability. By setting an exemplary standard for a high-quality workplace through concrete actions, we fulfill our commitment to shared prosperity with the workforce and the community, creating a win-win situation for both the enterprise and its employees.   Contact Person: Chiu Hsiao-Feng Tel: 02-2348-3125

Our fully-upgraded App aims to make access easier. Land Bank has recently transformed its mobile banking App. Designed with “user experience” in mind, the App balances intuitive navigation with modularized functionality. The App now allows better user access for financial management, foreign exchange, consumption, TWQR (digital vouchers, travel codes), and Land Bank Pay, offering a more comprehensive financial system. This whole new update focuses on “Smart Wealth Management & Enjoying Life,” providing multifaceted financial and spending services. The App now offers currency exchange rate check for major currencies, including USD, JPY, CNY, and EUR. Leveraging UI/UX design principles, users can quickly access “Account Overview,” “NTD Transfers,” “Foreign Currency Trading,” “Bill & Tax Payment,” “Cardless Cash Withdrawal,” and “Land Bank Pay.”   “Land Bank Pay” is the first feature in the sector that directly integrates TWQR (digital vouchers, travel codes) into its mobile App, enabling users to effortlessly complete QR code payments without having to switch between different Apps. For digital voucher redemption – the Bank is the first to introduce automatic deduction of digital vouchers when users pay by QR code, greatly improving the convenience of mobile payments in Taiwan. Our new mobile App strives to make payments more convenient and trouble-free for our wide range of users.   Furthermore, in alignment with our ESG engagement mission, we have joined hands with several charitable organizations such as the Spinal Cord Injury Foundation. Enabling users to support charitable causes at any time and fulfill their corporate social responsibility, we have set up a dedicated “Charitable Giving” section on the App.   As a state-owned bank, we aspire to become Taiwan’s most trusted financial partner. We provide services that are closely linked to national policies such as preferential housing loans for young homebuyers and universal cash distribution. At Land Bank, we are committed to enhancing user experience, being there for our customers in a new era of smart financial management, and creating a bright future of sustainability for businesses, society, and the environment.   Contact person: Li Wen-Yuan Tel.: 02- 2348-3878

Participating for the first time, the Bank secured eight awards at the “22nd National Brand Yushan Awards,” including the First Prize in the “Outstanding Corporate Leader” and “Most Popular Brand” categories. Land Bank Chairperson He, Ying-Ming and General Manager Chang Chih-Chien represented the Bank, and were received by President Lai Ching-Te at the Presidential Office on December 22, 2024. The Bank was highly praised for its robust business operations and continuous improvements, as well as its efforts on long-term financial innovation and development   Chairperson He’s, extensive expertise spans across credit management, auditing, compliance, and debt management. Chairperson He has always adhered to the business principles of “insisting on credit quality,” “strict risk control,” and “innovative management thinking.” His leadership led the Bank’s management team and staff to achieve a record-high pre-tax net profit of NTD 18.729 billion in 2024. In the same year, the non-performing loan ratio was maintained at below 0.09%, with a loan loss provision coverage ratio of 1,887.08% – the highest amongst state-owned banks. Thanks to its steady management capabilities, the Bank continued to demonstrate robust resilience and growth momentum in the face of turbulent times in Taiwan and internationally. The Bank’s remarkable performance earned it the First Prize in the “Outstanding Corporate Leader” category.   Upholding a spirit of innovation and a passion for service, the Bank has upgraded its existing one-stop land and construction financing service model into the “One-Stop Real-Estate Cash Flow Service.” With customers’ needs as the top priority, Land Bank has integrated virtual and physical service channels to provide comprehensive quality digital financial services to real estate customers. With our 4C (Care, Connect, Customize, Cultivate) brand development strategy in mind, we have continued to optimize our products and relentlessly pursue customer engagement. The Bank’s dedicated efforts have earned it the First Prize in the “One-Stop Real-Estate Cash Flow in the 4C Digital Financial Services” category.   Guided by the business philosophy of “abundance, harmony, enthusiasm, and innovation,” we have passed the FSC’s “Fair Treatment of Customers Principles Assessment” for seven consecutive years. Moreover, we have won the “Social Inclusion Leadership Award” of the TCSA for four consecutive years. In the future, the Bank will continue to uphold its core mission of promoting friendly financial services and implementing inclusive finance, striving to become a first-rate financial institution that combines professionalism with social responsibility.   Contact person: Liao Cheng-Yu Tel.: 02- 2348-3283

On October 30, 2025, Land Bank was honored with first place in the “Best Bank for Inclusive Finance” category at the “19th Wealth Management Bank and Securities Evaluation” organized by “Business Today.” The award was received by Deputy General Manager Pei-Yu Cheng on behalf of the Bank, showcasing its impressive service quality and achievements in promoting inclusive finance.   Deputy General Manager Cheng said that, as a state-owned financial institution, Land Bank is dedicated to promoting inclusive finance. Receiving the award is a recognition of the Bank’s efforts, motivating us to continue moving forward. In the future, the Bank will do its utmost to leverage its financial strength to provide wealth management services to every corner of Taiwan, bringing happiness and hope to grassroots communities.   The “19th Wealth Management Bank and Securities Evaluation” organized by “Business Today” focused on the assessment of product diversity, service accessibility, educational promotion, and the social impact of financial institutions. Over the years, the Bank has been leveraging resources for “inclusive financial products,” “support for financially disadvantaged groups,” and “financial literacy promotion” and its hard work has once again been recognized, successfully solidifying its reputation in inclusive finance.   Regarding “inclusive financial products,” the Bank makes good use of its expertise in real estate to develop services, such as the “living trust integrated service for senior citizens,” “trust for senior citizens” and the “loans for senior citizens.” Aligned with government policies, the Bank has also introduced micro-premium whole life insurance. With these products rolling out, we help middle-aged individuals, senior citizens, and those with disabilities achieve both asset protection and independent living.   As for “support for financially disadvantaged groups,” Land Bank follows the “Convention on the Rights of Persons with Disabilities,” the “Fair Treatment of Elderly Customers in Banking,” and the “Friendly Financial Service Guidelines for the Financial Sector.” We also regularly provide staff training on serving elderly customers. In addition to setting up barrier-free service counters, barrier-free ATMs, talking ATMs, sign language interpretation services, multilingual ATMs, and enhanced intelligent customer services, we are also implementing OTP verification. We also offer a free service for cross-bank withdrawals for our customers with disabilities. We take the initiative to raise awareness about fraud and offer user-friendly Standard Form Contracts dedicated to protecting the rights of vulnerable customers while preventing fraud and financial exploitation.   Regarding the “financial literacy promotion,” with our wealth service network spanning 148 branches nationwide, we have long been promoting regular investment, retirement financial planning, trust services, and insurance promotion. As a wealth management service provider, we are committed to offering our expertise to customers of all generations and backgrounds in gradually accumulating wealth and enhancing financial literacy.   Land Bank has been standing strong for nearly eight decades. We have always adhered to our business philosophy of “abundance, harmony, enthusiasm, and innovation.” Since the Financial Supervisory Commission (FSC) rolled out the Fair Treatment of Customers Principles Evaluation, we have won recognition for seven consecutive years and have also been ranked in the top 25% of the banking sector in six of those evaluations. These remarkable achievements have successfully affirmed our efforts in providing warmer, safer, and more people-centric wealth management experiences and services.   Contact person: Li-Wen Yang Tel: 02- 2348-3882