In 2025, global sustainable development encounters new challenges and turning points. Following Donald Trump's return to the White House, the US withdrew from the Paris Agreement, suspended offshore wind power projects, and expanded fossil fuel development, creating unprecedented headwinds for sustainability efforts. Meanwhile, uncertainties arising from geopolitical conflicts, industrial chain restructuring, and social differentiation continue to intensify, while the rapid advancement of artificial intelligence (AI) and digital technologies is reshaping the industrial landscape. Despite the risky nature of external environmental changes, they also open up limitless possibilities and serve as a driving force that propels us forward.
Guided by its three core sustainability visions – corporate sustainability, environmental sustainability, and social sustainability – TCFHC has established four key strategic pillar for sustainable developemt under the RISE framework: Resilience, Inclusion, Synergy, and Enrichment. Besides the pursuit of robust operations and performance growths, TCFHC continue to advance green finance and responsible investments and financing, while proactively adopting the IFRS S1 and S2 sustainability disclosure standards to reinforce the identification, measurement, and management of sustainability-related financial information and climate risks. Through financial innovation, technology, and cross-sector collaboration, TCFHC supports industries and customers in enhancing their sustainable resilience and leverage the influence of capital to lead positive sustainable development.
Resilience
TCFHC continues to strengthen its corporate governance and compliance mechanisms, enhancing operational efficiency and overall resilience, while improving asset quality through its solid customer base and group synergies. In 2025, consolidated net income after tax reached NT$21.448 billion. Return on equity and return on assets after tax were 7.87% and 0.41% respectively, while earnings per share after tax were NT$1.36, demonstrating robust operating results.
In terms of information security and business continuity management, the Group has established a comprehensive information security governance framework, with a Vice President-level Chief Information Security Officer (CISO) and a dedicated task force in place. TCB has implemented the "ISO 27001 Information Security Management System" and the "ISO 22301 Business Continuity Management System", placing customer interests at the core, and continuously strengthening organizational and financial resilience, as well as enhancing capabilities in emergency response, business continuity, and operational recovery. In addition, some subsidiaries have adopted cyber insurance to effectively transfer risks, further reinforcing the Group’s overall information security protection and operational resilience.
Inclusion
To jointly advance Taiwan's Pathway to Net-Zero Emissions in 2050, TCFHC continues to deepen engagement with customers and proactively helps enterprises reduce carbon emissions and embark on sustainable transformation through reponsible investment and financing. It has also become the first financial institution in Taiwan to successfully engage 5,000 SMEs in carbon emissions and help SMEs internalize ESG as part of their long-term competitive advantages. In 2025, TCFHC continued to sponsor the presentation ceremony of the “12 th D&B Top1000 Elite SME Awards,” recognizing SMEs that proactively committed to sustainable development and encouraging more enterprises to join the movement toward sustainable transformation.
On the investment front, TCB's investment in green energy and issuance of sustainable finance bonds totaled NT$76.6 billion in 2025. Its cumulative ESG bond issuance also led all state-owned banks, reaching NT$10.1 billion, making it the first state-owned bank to surpass the NT $10-billion mark and to complete all 3 major categories of sustainability-specific bonds: green bonds, social bonds, and sustainability bonds.
Recognizing that innovative and secure financial services are indispensable on the way to sustainable development, the group pormoted 21 key digital operations projects and four innovative talent empowerment projects through the Digital Development Committee in 2025, continuing to strengthen digital operation momentum and cultivate employees' digital business capabilities. CoLAB continued to promote cross-departmental innovation projects and the AI strategy blueprint, with cumulative training participation reaching 1,534 attendees. Additionally, to comprehensively protect its R&D achievements, the group introduced the Taiwan Intellectual Property Management System (TIPS) in 2020 and has since passed the A-level certification four consecutive times. Cumulatively, more than 1,054 patent applications have been filed, over 933 patents have been approved, and 189 have been applied in business operations, demonstrating the achievements of technology-driven sustainable development.
Synergy
TCFHC upholds the SDG principle of leaving no one behind by promoting net-zero transformation while also taking into account social inclusion and fairness, and enhacing the well-being of stakeholders through multilateral communication and collaboration.
To enhance employees' awareness of sustainability issues, TCFHC actively provides related education and training and encourages employee to attend ESG courses and obtained relevant certifications, incorporating sustainable development into daily life and business activities. Moreover, TCFHC is committed to building a diverse, equitable and inclusive workplace to advance gender equality, while safeguarding the fair rights and interests of employees of all genders in areas such as promotion, further education, childcare, and compensation. In 2025, TCFHC was invited by the Financial Supervisory Commission to share its measures and practices for mainstreaming gender equality.
Following its pioneering "Seed Staff of Long-Term Care Service" program, TCFHC continued to cultivate trust professionals to help address issues arising from an aging society. As of the end of 2025, TCB had 991 "Senior Financial Planning Consultants" and 289 "Family Trust Planning Consultants", providing clients with professional asset trust planning and LOHAS (Lifestyles of Health and Sustainability) consultation services. Furthermore, TCFHC launched a variety of inclusive financial products, including tailored loans for SMEs, startups, regional revitalization projects, the agricultural and fishery industries, youth, and long-term care institutions. Among them, the Start-up Loan for the Unemployed of the Employment Insurance, the Business Star-up Loan and Interest Subsidy for the Unemployed Middle-Aged and Elderly, and the Micro/Women Start-up Loans achieved outstanding results, with a market share of 26.32% as of the end of 2025.
As fraud tactics continue to evolve, frontline financial institutions have become critical to fraud prevention. To strengthen anti-fraud efforts, TCB signed the Memorandum of Understanding with the Taiwan High Prosecutors Office in 2025 to assist investigative and prosecutorial authorities in tracing criminal activities and intercepting illegal fraud rings. Meanwhile, TCB has also proactively applied AI analytic technology to enhance its early warning and identification capabilities for suspicious transactions. As of 2025, it had successfully prevented 365 fraud cases involving NT$307 million. The number of newly added warning accounts in 2025 decreased by 57% compared with the same period of the previous year.
Enrichment
TCFHC supports the Paris Agreement and Taiwan's Pathway to Net Zero Emissions in 2050. Besides signing the SBTi and striving to achieve its approved mid-term SBT carbon reduction target, TCFHC has proactively translated climate management into concrete action. The energy management system (EMS) was officially adopted in 2025 for comprehensively enhanced energy management efficiency to benchmark for smart energy conservation in the financial industry. In addition, to leverage its financial influence, TCFHC held financial industry's first ISO 14068-1 carbon neutralization supplier conference in 2025, communicating the concept of sustainable procurement to suppliers through demonstrative action and building consensus on carbon reduction, thereby leading the supply chain toward low-carbon transformation.
The Group also promotes environmental education on campus. In the spirit of being a friendly member of community, it organizes themed environmental education activities in junior high and elementary schools, and has signed the "Joint Industry-Academia ESG Sustainable Talent Development Program" with the National Taipei University of Education, with the aim of expanding the social impact of sustainability education by nurturing future educators.
To strengthen the identification and management of climate-related risks and opportunities, the group has incorporated natural environment risk factors into its investment and financing decision-making process. The Climate-related and Nature-related Financial Disclosures Report released in 2025 followed the frameworks of the Task Force on Climate-related Financial Disclosures (TCFD) and the Taskforce on Nature-related Financial Disclosures (TNFD), and applied the LEAP approach to enhance nature risk management strategies in investment and financing. In addition, its TCFD disclosures received the BSI highest "Level 5+: Excellence" certification for three consecutive years, and the Bank was recognized as an outstanding bank in the 2nd Review of Climate-related Financial Disclosures Reports conducted by the National Chengchi University.
With its long-standing dedication to ESG, TCFHC has been highly recognized by both domestic and international institutions. TCFHC has been included for three consecutive years in the World Index and the Emerging Markets Index under the Dow Jones Best-in-Class Indices (DJBIC Indices) and also has been named to the highest-honor Carbon Disclosure Project (CDP) A List for two consecutive years. Domestically, TCFHC also received the Taiwan Top 100 Sustainability Exemplary Award at the Taiwan Corporate Sustainability Awards, the Sustainable Development Leadership Award from the BSI, the National Enterprise Environmental Protection Award – Silver from the Ministry of Environment, and the Corporate Contribution to Marine Sustainability Award from the Ocean Affairs Council.
Looking ahead, risks are ever-present, but crises also bring opportunities. TCFHC fully recognizes that only by confronting risks and seizing opportunities can it move steadily amid rapid changes. Accordingly, we will continue to uphold professionalism and integrity, follow our sustainable development strategies, and work together with stakeholders to create resilient and sustainable value.