Land Bank

The Financial Supervisory Commission (FSC) recently announced the results for the “2025 Fair Treatment of Customers Principles Evaluation.” With a remarkable performance, Land Bank was once again honored with the highest distinction of being ranked in the top 25%. Since the FSC launched its Fair Treatment of Customers Evaluation Mechanism in 2019, Land Bank’s efforts have been recognized for seven consecutive years, including six years ranked in the top 25% of banks. This honor marks an important milestone in safeguarding the rights and interests of financial consumers, while also demonstrating our long-term commitment and exceptional achievements.   To praise financial institutions with excellent annual evaluation performances, the FSC held a public award ceremony on November 4. FSC Chairman Jin-Lung Peng personally presented the awards and delivered a congratulatory speech. The Bank’s Chairman, Ying-Ming Ho, also attended the ceremony and received the award from the FSC Chairman, demonstrating the importance of the fair customer treatment policy to the Bank.   In an attempt to optimize the evaluation measures and ensure the objectivity of the evaluation mechanism, the FSC entrusted the Securities and Futures Institute to carry out the evaluation work. The evaluation centered on the scoring of four items: “implementation of customer fair treatment initiatives,” “proper handling of financial consumer disputes,” “the Board’s level of commitment and concrete actions,” and “financial inspection and routine supervision.” Moreover, the Securities and Futures Institute added two strengthened evaluation priorities: “measures and effectiveness of fraud prevention by financial institutions” and “the soundness of the complaint handling mechanism.”   Regarding “measures and effectiveness of fraud prevention by financial institutions,” we prioritize the protection of financial consumers while actively responding to government policies to combat fraud. Recently, the Bank has further demonstrated its financial expertise by joining forces with the Taichung District Prosecutors Office. By working together, we have effectively intercepted fraudulent fund flows and reported unauthorized deposit-taking schemes, successfully safeguarding customers’ assets. In addition, we were honored with the Anti-fraud Award for the “Taichung District Prosecutors Office – Shen Shuo International Network Deposit-taking Project” at the “Financial Technology Anti-Fraud Summit” organized by the Bankers Association of the Republic of China. At Land Bank, we strive to enhance our anti-fraud measures and deliver outstanding results.   In terms of “the soundness of the complaint handling mechanism,” we have formed a “Customer Care Committee” under the joint supervision of the Board of Directors and senior management. The Committee holds cross-departmental meetings to thoroughly review the causes of customer complaints and formulate improvement measures. We have established a differentiated management system for customer complaints and elevated the reporting level for major cases. We are committed to improving our customer fair treatment initiatives and regularly report their implementation results to the Board of Directors, which fulfills its responsibility to ensure that all units implement these initiatives.   We have long been committed to achieving inclusive finance through “friendly financial service,” “support for financially disadvantaged groups,” “financial literacy promotion,” “SME growth support” and other measures. In order to enhance the accessibility of financial products and services, Land Bank has established barrier-free facilities and strengthened financial education and training. Depending on the requirements of our customers, our ultimate goal is to provide a variety of appropriate services and digital platforms to overcome barriers, achieving equity in digital information and financial services for disadvantaged groups.   In the future, the Bank will continue to safeguard the interests of its customers, enhance financial accessibility, and foster an ethical corporate culture. In doing so, we aim to earn customer trust and pursue sustainability, working towards the goal of becoming a model financial institution known for its fairness and friendliness to customers.   Contact person: Chun-Lin Li Tel: 02- 2348-3295

For the first time, Land Bank took part in the 22nd National Brand Yushan Award, and it was revealed today (October 21, 2025) that the Bank delivered excellent results in eight categories, including one award in “Outstanding Corporate Leader,” five awards in the “Best Product Category,” and two awards in “Most Popular Brand Category.” This shows Land Bank's remarkable performance as a state-owned financial institution with stable operations and innovative development. Our chairman He Ying-Ming also took home the prestigious “Outstanding Corporate Leader” award, fully recognizing his exceptional leadership and achievements in promoting inclusive finance, accelerating digital transformation, and fulfilling corporate social responsibility.   With over four decades dedicated to the Bank from the grassroots level, Chairman He's extensive expertise spans across credit management, auditing, compliance, and debt management. He has always adhered to the business principles of “insisting on credit quality,” “strict risk control,” and “innovative management thinking.” His leadership as a professional manager led the Bank 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 among state-owned banks. With the Bank’s solid financial management, Chairman He was the well-deserved winner of the “Outstanding Corporate Leader” award.   Land Bank has rigorously promoted digital transformation, deepened inclusive financial services, and implemented sustainability policies. Its efforts were recognized by securing five awards in the “Best Product Category” for: “Robotic Process Automation – Enhanced AML Prevention,” combating financial crime with technological innovation; “Development of Lease Receivables Securitization to Diversify Capital Markets,” converting lease receivables into securitized products; “Currency Exchange at Land Bank,” expanding foreign exchange services through digital finance; “Making Loaning Easy for Workers with Land Bank’s Digital Tools,” implementing inclusive finance policies by continuously optimizing online systems; and “From 30 Minutes to 30 Seconds – Caring Medical Payments,” combining multiple payment processes to achieve financial inclusion.                Additionally, Land Bank has long been building its brand image as a professional real estate financial institution and actively promoting the development of badminton in Taiwan. Given this, Land Bank received two awards in the “Most Popular Brand Category” – “One-Stop Real Estate Cash Flow – 4C Digital Financial Services,” deepening one-stop services tailored to customers’ requirements and “Land Bank’s Half Century in Badminton – Cradle of Gold Medalists,” developing outstanding badminton players over the long term and supporting the development of the sport.   Guided by the business philosophies of “abundance, harmony, enthusiasm, and innovation,” we have passed the FSC’s “Fair Treatment of Customers Principles Assessment” for seven consecutive years, being recognized as a leading advocate for corporate social responsibility. In addition, our commitment to badminton has won the Bank the “Sports Activist Award” from the Ministry of Education for 16 consecutive years. Land Bank upholds the core principles of inclusive finance and sustainable co-prosperity, striving to become a first-rate financial institution that combines professionalism with social responsibility.   Contact person: Liao Cheng-Yu Tel.: 02- 2348-3283

The FSC announced its 2025 Fair Treatment of Customers Principles Assessment results on the 16th, recognizing banks that ranked in the top 25% for the excellent results they delivered in 2024. Land Bank was among those banks. With the joint oversight of the Board of Directors and senior management, Land Bank has fully implemented the value of “putting customer interests first,” promoting the fair customer treatment principle. In 2019, Land Bank formed the “Customer Care Committee,” with senior management convening cross-department meetings. At meetings, reasons for customer complaints are discussed, improvement initiatives are formulated, and fair customer treatment measures are refined. The Committee regularly reports its progress to the Board of Directors, which oversees and issues directives in accordance with its supervision responsibilities. This has led to the business units striving for improvement, in particular safeguarding customer interests and key assessment areas for 2024: “measures and effectiveness of fraud prevention by sectors” and “durability of complaint handling mechanisms.” In order to enhance the accessibility of financial products and services, Land Bank has set up comprehensive software/hardware facilities, education, and training. Depending on customer requirements, our ultimate goal is to create a friendly banking ecosystem and overcome barriers through multiple platforms and communication outlets, achieving customer equality. As for social value creation and participation, we are committed to achieving inclusive finance through “friendly financial services,” “support for financially disadvantaged groups,” “financial literacy promotion,” “SME growth support,” and other measures. By doing this, we not only cater to the financial service needs of various communities but also establish a well-rounded and friendly banking environment. For six years in a row, the Bank has received recognition from the FSC’s “Fair Treatment of Customers Principles Assessment.” This year, the FSC introduced an online evaluation system focusing on four key assessment areas: implementation of fair treatment initiatives, proper handling of financial consumer disputes, the Board's level of commitment and concrete actions, and financial inspection and routine supervision. The Bank once again achieved remarkable results, ranking in the top 25%, making this the Bank’s sixth recognition since the assessment began in 2019. In the future, the Bank will continue to safeguard the interests of its customers, enhance financial accessibility, and foster an ethical corporate culture. By doing so, we aim to earn customer trust and pursue sustainability, moving toward becoming a high-quality and friendly financial institution.   Contact person: Li Chun-Lin Tel.: 02- 2348-3295

Land Bank’s heartwarming services have been recognized once again. On September 10, 2025, Land Bank’s Deputy General Manager, Cheng Pei-Yu, received the “Inclusive Financing Leadership Award” on behalf of the Bank. The award was presented by the Central Deposit Insurance Corporation and highlighted the Bank’s commitment and passion for financial services. Meaning to improve Taiwan’s financial inclusion indicator system, the Financial Supervisory Commission (FSC), with reference to international standards, has developed the “Financial Inclusion Indicators for Taiwan.” These indicators encourage financial institutions to improve their service accessibility, usability, and quality, providing friendly, comprehensive financial services. In response to the FSC’s policies and the needs of diverse communities, Land Bank follows the “Convention on the Rights of Persons with Disabilities (CRPD),” the “Fair Treatment of Elderly Customers in Banking,” and the “Friendly Financial Service Guidelines for the Financial Sector.” 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 and OTP verification, we also waive service charges for cross-bank withdrawals for customers with disabilities. We take the initiative to raise awareness of fraud and offer a user-friendly Standard Form Contract dedicated to protecting the rights of vulnerable customers while preventing fraud and financial exploitation. Additionally, with an aging society on the horizon, the Bank aims to strengthen its barrier-free facilities by upholding the principle of “age-friendly finance.” We follow the FSC’s “Fair Treatment of Elderly Customers in Banking” and regularly conduct employee education and training on providing friendly services to elderly customers. Moreover, we have also developed multiple financial products such as the “Living Trust Integrated Service for Senior Citizens,” “Trust for Senior Citizens,” and the “Loans for Senior Citizens.” With these products rolling out, we help middle-aged individuals, senior citizens, and those with disabilities achieve both asset protection and independent living.   Land Bank has been standing strong for nearly eight decades. We have always adhered to our business philosophy of “abundance, harmony, enthusiasm, and innovation.” Our years of hard work have been affirmed by winning the “Trust 2.0 Plan Evaluation for the Trust Industry” in the Elder Care Trust Category for four consecutive years, as well as the FSC’s “Property Trust Evaluation for the Elderly and Persons with Disabilities Award” for five consecutive years and the “Outstanding Bank in Fair Treatment of Customers in the Financial Sector Award” for six consecutive years. These remarkable achievements have successfully recognized our efforts in providing people-centered financial services, forging a bright future of sustainable development for enterprises, society, and the environment.   Contact person: Lin Ku-Chien Tel: 02- 2348-3701

As a means of demonstrating the versatile momentum driving sustainability in Taiwan and the Asia-Pacific region, the Taiwan Institute for Sustainable Energy (TAISE) has once again held the Asia-Pacific Sustainability Action Awards (APSAA) and the Taiwan Sustainability Action Awards (TSAA). The objectives of these awards are to recognize companies that perform exceptionally and contribute to practicing and promoting the United Nations Sustainable Development Goals across sectors, encouraging them to actively move towards sustainable development. On September 11, TAISE held the award ceremony in conjunction with the “2025 SDG Asia Expo,” publicly recognizing the winning enterprises and organizations.   Participating for the first time in the Taiwan Sustainability Action Awards (TSAA), Land Bank has received several awards, showcasing its dedication to sustainability and its practice of social inclusion. At the APSAA, the Land Bank was highly praised by international judges, winning a Silver Award for the Bank’s initiative “Building Sustainable Cities with Finance,” which focuses on real estate finance, urban redevelopment, green finance, and guiding capital towards sustainable urban development. We also earned a TSAA Silver Award for our “Land Bank Promotion of Badminton on Campus” initiative, as well as a TSAA Bronze Award for the “Urban Redevelopment Trust for Sustainable Prosperity” initiative and the “Technological Innovation in Preventing Financial Fraud” initiative. These spectacular achievements have fully demonstrated our efforts to promote badminton in schools, utilize urban redevelopment trusts to assist in revitalizing aging and unsafe buildings, and leverage financial technology to combat money laundering and terrorism.   With an imprinted corporate core value of “giving back to society,” Land Bank has joined forces with the Leopard Cat Association of Taiwan, the Children Are Us Foundation, and Wetlands Taiwan to organize various activities, such as eco-friendly farming, supply delivery to rural areas, and wetland environmental education courses. The dedicated efforts put into these initiatives have paid off in style, as we collected the “Corporate Social Responsibility Award” in the Sustainability Category and the “Age-Friendly Finance Award” in the Service Category from Want Want China Times. As a state-owned bank, we rigorously follow the government’s net-zero by 2050 policy in our sustainable development strategy. Meanwhile, we also strive to actively respond to the UN Sustainable Development Goals (SDGs) and continue to develop ESG investment and financing strategies as our objective. At Land Bank, we aim to play a more proactive role in promoting environmental, social, and economic sustainability, thereby creating mutual benefits for businesses, financial institutions, and society as a whole.   Contact person: Li Chun-Lin Tel: 02- 2348-3295

Aside from badminton coaching, the Land Bank badminton summer camp also offered educational courses on integrity and anti-fraud. On July 30, 2025, Land Bank’s badminton team headed to Tainan to host this year’s badminton summer camp and the “Badminton Partners, Combating Fraud With You” campaign at Houjia Junior High School. National badminton players were invited to teach participants about physical fitness and badminton techniques. At the camp, awareness of integrity and anti-fraud practices was also introduced to the young generation through interactive learning.   The Land Bank’s badminton summer camp, featuring a star-studded coaching team, has always been well received by the public. This year, the Bank invited top-tier badminton players and coaches to teach underprivileged children and students about physical fitness and badminton techniques. The sport was promoted through interactive, relaxing, fun, and educational activities.   Nevertheless, we must still keep our guard up during summer vacation. According to the National Police Agency of the Ministry of the Interior, 65,000 fraud cases were reported from January to April of this year, involving 39,000 suspects. Among them, approximately 9,000 suspects were young people aged between 12 and 23, many of whom were recruited as money mules by fraud syndicates. This highlights the fact that integrity and anti-fraud measures have become significant issues for today’s younger generation. To strengthen young people’s awareness of integrity and anti-fraud while enjoying badminton, the Bank initiated a three-pronged approach – sports, theater and interactive learning – in this year’s summer camp. Diverse interactive elements such as theater performances, anti-fraud scenario simulations, quizzes, and games were combined to emphasize “integrity and anti-fraud awareness.” The courses encompassed integrity, anti-fraud and regulatory knowledge, leading students to enhance their skills in risk identification and moral judgment.   As a wholly-owned bank of the state, we provide fair services to our customers while supporting national sports policies and implementing the “identify, block, prevent, intercept, and punish fraud” strategy. We have won the “Outstanding Bank in Fair Treatment of Customers in the Financial Services Sector Award” for six consecutive years and the “Sports Activist Award” from the Ministry of Education for 16 consecutive years. This past year alone, we successfully prevented 178 fraud cases, protecting the public from a financial loss of over NTD 160 million.   In the future, we will continue to integrate our financial expertise and social care resources while collaborating with the government, schools, and civil organizations, aiming to create a fair, just, transparent, and sustainable social environment.   Contact person: Wang Chih-Chuan Tel: 02- 2348-3191

In an effort to align with the “Green and Transition Finance Action Plan,” the Land Bank issued its fifth tranche of sustainability bonds on July 29 of this year (2025). The issuance amounts to NTD 1 billion, with a maturity of 3 years and a coupon rate of 1.72%. All funds raised will be used for green investments and social impact projects, demonstrating our deep commitment to ESG.   By following the Sustainability Bond Guidelines of the International Capital Market Association, Land Bank issued its first tranche of sustainability bonds in 2021, totaling NTD 1 billion (5-year maturity), followed by the issuance of two tranches of sustainability bonds in 2022, totaling NTD 1.6 billion (5-year maturity) and NTD 900 million (3-year maturity). In 2024, the Bank issued its fourth tranche of sustainability bonds totaling NTD 1 billion, with a maturity of 3 years. Including the latest launch, Land Bank has issued five tranches of sustainability bonds, with an outstanding amount totaling NTD 5.5 billion. In addition to the amount issued this time, Land Bank has issued NTD 4.5 billion in sustainability bonds. Of these proceeds, NTD 3 billion will be used for a social housing construction project benefiting thousands of households. The remaining NTD 1.5 billion will be used for renewable energy, energy technology, and various social impact investment projects, assisting the state in realizing housing justice, enhancing energy security, and strengthening social resilience.   As a state-owned bank, we are deeply rooted in Taiwan and adhere to the core values of “abundance, harmony, enthusiasm, and innovation,” and are dedicated to becoming a driving force for green economic development. Aside from the issuance of sustainability bonds, we have also launched a series of sustainable products, including credit cards made from eco-friendly materials, green deposit plans aligned with ESG principles, and insurance designed to mitigate risks in green energy industries. Furthermore, we offer sustainability trust services that support green power development and urban renewal projects, as well as sustainable funds with stock selection strategies designed for sustainable development. Consequently, we contribute to building a bright future for the sustainability of businesses, society, and the environment.   Contact person: Liu Kuang-Hua Tel: 02- 2348-3729

In order to provide even more quality financial services, Land Bank’s Dashe Branch was relocated to No. 78 Dashe Road, Dashe District, Kaohsiung City, on July 14, 2025. On the day of the opening ceremony, there was a five-drum performance, along with donations to the Syin-Lu Social Welfare Foundation and the Kaohsiung Rixin Caring Association, helping us fulfill our corporate social responsibilities.   Since opening in 1995 at its former location, Dashe Branch has maintained a close connection to the local community and has earned strong support and trust from its customers. At this new location, Dashe Branch has fully optimized the layout of the premises, space, visual design, and financial functionality. With brand new, modern equipment, barrier-free facilities, and video sign language interpretation services, the Dashe Branch is dedicated to creating a friendly and inclusive financial environment. The Branch has also further strengthened its counter services aimed at meeting the needs of local enterprises, merchants, and the public, thereby boosting local commercial development and becoming the most trustworthy partner within the community.   Meanwhile, to improve the quality of digital services, the Bank has proactively strengthened the “Individual Funds Single Service Platform” online service and “Land Bank Mobile Banking,” by integrating personal financial services into a single platform, offering diverse features such as online browsing of financial products, credit card applications, and loan services. At Land Bank, we take pride in providing high-quality, uninterrupted financial services 24/7 that convey both the Bank’s warmth and professionalism.   As a state-owned bank, we are deeply rooted in Taiwan and adhere to the core value of “abundance, harmony, enthusiasm, and innovation,” dedicated to becoming the most trustworthy financial partner in the country. Not only do we promote financial inclusion and fulfill our corporate social responsibilities, but we also support the government’s initiatives in combating fraud and have constructed a comprehensive financial security ecosystem. Our years of hard work have paid off, as we have won the “Property Trust Evaluation for the Elderly and Persons with Disabilities Award” for five consecutive years and the “Outstanding Bank in Fair Treatment of Customers in the Financial Services Sector Award,” for six consecutive years, both awarded by the FSC. These remarkable achievements have successfully recognized our efforts in providing the best people-centered financial services.   Contact person: Chiang Chu-Chia Tel: 02- 2348-3320

At Land Bank, we are committed to preventing fraud. In an effort to combat fraud syndicates impersonating banks, Land Bank officially launched its “68005” SMS service. With the SMS service aligned with the Bank’s existing AI model, counter care, employee education and awareness campaigns, we have established five core elements to combat fraud, helping the public detect fraud and stay safe from scams.   The rise of AI and virtual assets has contributed to an increase in scam techniques. To address this, the Executive Yuan has launched a “Four New Laws on Fraud Fighting” with the “Next-Generation Anti-fraud Strategy Guidelines, Version 2.0.” These initiatives encompass measures such as education, SMS interception, cash flow disruption, criminal investigation, and the establishment of a joint defense reporting mechanism among financial institutions, as well as the “111” text message platform launched by the government. Land Bank is committed to helping the country raise awareness about fraud and to preventing, blocking, and reporting it.   In response to the Executive Yuan’s policy, the Land Bank continues to refine its fraud prevention measures. In an effort to combat fraud syndicates impersonating banks, we have launched a “68005” SMS service. The first two digits “68” are special codes reserved for financial institutions, while “005” represents Land Bank’s institutional identifier. This enables people to quickly verify the authenticity of messages, offering high recognition and anti-counterfeit protection.   At the same time, Land Bank has been leveraging AI technology. Since the Bank’s participation in the “Hawk Eye Anti-Fraud Alliance,” which was jointly formed by the National Police Agency, the Ministry of the Interior, and 35 financial institutions across Taiwan, AI models have been implemented to mitigate fraudulent activities. In the past year alone, 178 fraud cases were successfully intercepted, preventing financial losses exceeding NT$160 million.   With respect to counter care and employee education, we have reinforced our inquiries regarding customers depositing funds into accounts that do not belong to them without a passbook at the counter, as well as elderly and inactive customers conducting transactions at the counter. We also regularly invite the Criminal Investigation Bureau, the National Police Agency, Ministry of the Interior to give briefings on financial crimes and techniques for intercepting scams at the counter.   In addition, to raise awareness of fraud, the Bank has been vigorously promoting fraud prevention using a multipronged approach at public welfare activities such as “368 Towns and Villages,” “Fraud Prevention Pioneers,” and the Taiwan Financial Services Roundtable, as well as through Land Bank’s branches, official website, and social media platforms. Each year, we are able to advance financial literacy and fraud prevention knowledge of more than 1 million people, fulfilling our social responsibilities.   At Land Bank, we uphold the philosophy of “abundance, harmony, enthusiasm, and innovation” and are committed to becoming a people-centered financial service provider, meeting each customer’s needs with compassion and sincerity. We also support the national anti-fraud strategy to construct a comprehensive financial security ecosystem. By safeguarding our customers’ assets, we vow to become the most trustworthy financial partner in Taiwan.   Contact person: Wang Fu-Min Tel: 02- 2754-5530