Social Inclusion

Social Inclusion

As environmental and social structures change, TCFHC continues to uphold sustainable development and pay close attention to effects and opportunities arising from an aged society. TCFHC kept implementing its 4 major public welfare strategies with "Joyful Learning, Healthy Living, Tranquil Community, and Nursing and Care". The Group actively use the core competencies of finance to launch a number of innovative products to solve social and environmental problems. At the same time, we also continue to integrate group resources to give back to the society and expand social influence

In addition, TCFHC takes "people" as the starting point and encourages colleagues to participate in public welfare activities, thereby cultivating social citizenship awareness. In 2021, the "Implementation Points of Volunteer Service of TCFHC " was formulated. The chair leads the team as the captain of volunteers, establishes a top-down corporate culture of public welfare, and passes on the feedback spirit of "taking from society and using in society" to every employee. BNP TCB Life has also planned a public welfare leave system and launched a "Public Welfare Passport" to support employees to participate in public welfare activities.

TCFHC understands the importance of education and talent development for the sustainable development of corporates and society. Hence, for years, TCFHC has been working closely with the community, schools, and other institutions in order to support education and academic research. TCFHC tries to give every child equal educational and social resources, achieve financial inclusion, and bring financial knowledge and the concept of financial management to different groups in society.

Rewarding Learning

TCB has been actively taken a role in the "Charity Fund for Financial Services Industry Education", which was launched by "Taiwan Financial Services Roundtable" with donations from different financial agencies and financial institutional members. The fund provides NT$100 million in scholarships and subsidies every year to help young students from poor and disadvantaged families to finish school and to organize financial courses to improve financial knowledge. A total of 14,526 young students benefited from the fund between 2015 and 2023.

As an incentive for undergraduate, graduate, and PhD students to do research in economics and finance, TCB started a scholarship in 1954, and the scholarship has been helping schools develop talent. From 1997 on, for educational institutions above high schools that deposit operating funds in the bank or request the bank to collect tuition fees and local governments that contract the bank to collect various types of fees or to distribute compensation, TCB provides scholarships to current students with excellent performance or children of the faculty or staff in related schools.

Cultivating Financial Literacy

In response to the policies of competent authorities, TCB held the campaign of "Communicating Financial Knowledge to Campuses and Communities". Internal professional lecturers go to various places to pass down financial knowledge, covering elementary schools, junior high schools, senior high school/vocational high schools, colleges and universities, communities, senior citizens, people with disabilities, national army, correctional institutions and social welfare groups. In 2023, 56 sessions in total were held and were attended by about 3,500 people. The courses not only covered wealth management and financial practices but also communicated correct ideas about anti-money laundering and countering the financing of terrorism. It helped the public and young people with insufficient financial professional literacy, and maximized efficacy of financial education, which was highly-recognized by the FSC. In order to help microbusinesses and SMEs boost their business management and financial competitive advantages, TCB partnered with the Taiwan Small & Medium Enterprise Counseling Foundation (Taiwan SMECF) and held workshops where industrial and economic experts were asked to express their opinions on "2023 Challenges and Prospects for Economic Developments". Meanwhile, governmental agency and ESG experts and scholars as well as business owners were asked to serve as moderators to give microbusinesses and SMEs an idea of business plans covering the promotion of industrial revitalization and upgrade/transformation and expedited fulfillment of the goal of net zero and reduced emission, among others. There were about 100 participants joining the workshops.

TCB organized 300 financial planning seminars in 2023, with a total of 5,775 participants, and held 30 trust information sessions at social groups, medical institutions, schools and care facilities intended to educate the public on trust services. In addition, there were also the quiz and lot-drawing campaigns for the online children’s wealth management education camp and information about the campaigns was shared through various social media to help children learn correct knowledge of wealth management in games.

Minority Empowerment

To care for education in outlying areas, minimize the urban-rural gap, and create an equal and high-quality learning environment, TCS collaborated with Teach for Taiwan in the "E-Campaign with You to Protect the Earth" as joint efforts to protect the earth and Eden Social Welfare Foundation in the charity marketing event entitled "Make No Doubt and Stand Firmly with Every Step". During the charity marketing event, for every customer that applies for e-billing, TCS donates NT$5 to the foregoing charity groups.

The development of teenagers from high-risk families is another key issue that TCS follows closely and continuously. In 2023, TCS donated to the Bornanew Youth Caring Association and Yunlin Prison of the Ministry of Justice, providing assistance to juvenile offenders to reintegrate into their families and schools, as well as subsidizing scholarships for children of inmates. The goal was to encourage them to welcome the future bravely and to urge society to open its arms to families of inmates without discrimination.

Upholding the spirit of altruism, TCSIT donated to the "Taoyuan White Kite Children’s Home" and the "Institute for the Blind of Taiwan" in the hope to help support the living and learning expenses of socially disadvantaged groups.

Industry-Academia Collaboration

In 2011, TCB started sponsoring the "Economically Independent Youth Internship Program" initiated by the Youth Development Administration of the Ministry of Education. TCB helps current students from financially disadvantaged families to complete internships in a secure environment to build work experiences and learn to be financially independent at the same time. TCB has provided over 500 internships under the program. In 2018, TCS implemented the "Guidelines for Hiring Interns", giving priority to current university students when the company needs to fill short-term positions. 1 college student was recruited as intern in 2023, and more than 11 current university students have been hired up to now. More openings are being offered on an ongoing basis.

Senior Education

As "the number 1 brand of LOHAS and elder care", TCFHC group continues to offer a full range of products and services to help the public plan for their lives after retirement and make arrangements for the later years in advance. In 2023, 4 "TCB Lectures - Happy Living and Secure Caring Master Class" with more than 1,900 people discussing plans about 2nd lives were held. In the same year, 1 "Orange Generation, Living a Happy and Carefree Life" elderly care and brain-teasing friendly experience event with 130 people, was held to help the public understand issues related to personal physiology, psychology, social relationships, and asset security in an aging society.

"TCB Lectures - Happy Living and Secure Caring Master Class"

For the 2023 TCB Lectures, experts in respective fields were invited to share their perspectives on life and financial products available for senior people. The event was hosted by the well-known anchor Joyce Liu, and wealth management expert Yun-Fen Xia, former Minister of Health Department Ching-Chuan Yeh, and physical therapist Wen-Jen Chien were invited to speak extensively on "Wealth Management upon Retirement", "Welcome a Happy Life", and "Stay away from Sarcopenia and Osteoporosis" to provide people with consumption and financial management advice while they enjoy a rich and healthy senior life.

"Orange Generation, Living a Happy and Carefree Life" Elderly Care and Brain-Teasing Friendly Experience Events

To improve public awareness of the cognitive and physical abilities of elderly people with dementia, this event combined 3 major elements, which were "lectures, experiences, and challenges". Through on-site experiences, participants could understand their own physical and cognitive abilities and gained knowledge about relevant spatial and cognitive disorders of people with dementia. The content of the lectures consisted of a full range of trust products, such as retirement assets protection and wealth inheritance were analyzed, case studies were shared, and long-term care with 4 kinds of subsidies, including assistive devices and home-based barrier free services were introduced. The seminar raised the elderly people and their families’ awareness of long-term care resources and related financial products.

TCFHC has been providing sponsorships in the sports industry for years and has discovered and nurtured a myriad of rising young sports stars. Since 1947, TCFHC had assembled a table tennis team (in 1947), a baseball team (in 1949), and a badminton team (in 1992), paying more than NT$100 million every year in support of these teams. The funds are spent on development and training of these teams, provision of well-maintained training facilities, accommodation and other benefits, and financial sponsorship for athletes to attend various domestic and international games and tournaments, all of which are essential to enable Taiwan to compete on the global stage. Meanwhile, TCFHC combines sports with charities, promotion, and school sports sponsorships. In 2023, TCFHC received the 15th consecutive "Sports Activist Awards" from the Sports Administration of the Ministry of Education.

Nurturing Sports Talents

Sports is an important soft power that enables Taiwan to connect with the world. Sports stars of TCB have been delivering remarkable performance internationally in recent years. They include world class player Tzu-Ying Tai and Tien-Cheng Chou, and top table tennis players including I-Ching Cheng, Yun-Ju Lin, Chih-Yuan Chuang and Chien-An Chen. There are also baseball stars Sheng-Feng Wu, Jia-Yo Lin and Han Lin. All of them are excellent athletes whom TCB has invested much resources into. In 2023, the TCB team sent players to support 58 sports events. TCB players performed outstandingly in various domestic and international competitions, winning multiple championships and runner-up titles, achieving excellent results, and showcasing Taiwan’s abilities to the world.

In addition to ensuring support for active sports stars, TCB tries to recruit athletes with great potential from national games or schools in cooperative programs and provide them with health allowances and competition bonuses in order to ease their financial burden. Outstanding performance will be rewarded with an offer to become a full-time player on the team and can continue work at TCB after retiring from the team.

TCB supports grassroots sports in Taiwan. In 2023, TCB organized 3 table tennis, badminton and baseball camps in Chiayi, Tainan, and Pingtung, respectively, which were attended by about 1,100 people and supported the grassroots little league baseball charity event in Yunlin, providing players with tangible resources and facilitating the relay of valuable experience in order to nurture more backbone players for respective sports. 

Promoting Sports Events

In addition to cultivating sports talents and enhancing Taiwan's international sports competitiveness, TCB also promotes sports culture, encourages employees to pay attention to physical and mental health and develop sports habits, and organizes various sports events to promote sports culture among the people.

TCB invites corporate clients and their employees to participate in the TCB Badminton Cup, table tennis, and slow pitch softball games every year. The games provide opportunities for participants to meet other people with same interests and to relieve stress from work. The ultimate goal is to promote Taiwan’s sports culture.

i-Health for the Old and Young

TCS continuously donates to the Mennonite Social Welfare Foundation and actively supports care services for elderly people and people with disabilities in Hualien and Taitung. Given the lack 

of medical resources in that area, TCS has donated to the South-Link Medical Foundation to help improve medicare services for economically disadvantaged people in rural areas and increase emergency financial aid grants. TCS has also entered cultural and health stations and care centers for the elderly people in various villages, providing health education and free physiological monitoring, in the hope of reducing the inequality in medical care in rural areas and ensuring that residents in rural areas can receive comprehensive medicare and care. In addition, TCS has also participated in the "Care for Our Children" love fair hosted by Taiwan Fund for Children and Families for 3 consecutive years. In 2023, it recruited volunteers to assist at the "free clinic" booth to jointly protect the health of disadvantaged families and children.

Blood Drives

To help the government with the blood shortage crisis, CAM organized 1 blood drive in 2023 and urged employees to join in. Employees were also invited to serve as volunteers and put up signs around 228 Park to call on passers-by to donate blood. In the end, 28 bags of blood were collected.

The modern world is constantly changing, and more and more of the disadvantaged are falling through the cracks or forgotten. Therefore, TCFHC Group continues to provide donations of supplies or funds to improve the quality of lives for the disadvantaged and bring more learning resources to children and the disabled in rural areas. In addition, TCFHC Group purchases local produce as a means to contribute to local agricultural development and improvement of farmers’ lives. TCFHC cares for the disadvantaged and fulfills its corporate social responsibility in the process.

No Poverty

TCFHC Group is committed to giving back to society and continues to uphold the Group’s charity policy. In 2023, TCFHC Group organized 77 fundraising events for disadvantaged groups and families in need, and donated more than NT$14.5 million. More significant of these events are the following:

Zero Hunger

TCFHC has been helping to end hunger in community for years. TCFHC has participated in the TAIFEX Food Bank for 9 consecutive years since 2015. The campaign donated goods to the impoverished or crisis struck families or marginalized households not eligible for welfare benefits.

TCS continuously orders coffee beans from the Future Cafe, established by the Bornanew Youth Caring Association, and pastries from other charity organizations, with a total of NT$201,500 in 2023 to support public welfare through actions and urge disadvantaged groups to be able to support themselves.

Farming for Love

TCFHC worked hard in promoting local agricultural products and took action to support the industry. TCFHC purchased fresh atemoya, pineapples, mangos, and pomelos from local farmers’ associations and shared them with customers, employees and donated to the charity organizations that it had been supporting for years to help farmers mitigate overproduction problems.

Support Public Welfare and Protect Community

TCFHC not only extends its core competencies and influence as a financial institution to develop a wide range of financial products and services for consumers, but also fulfills the spirit of "Taking from Society and Using in Society". TCFHC combines resources from the Group and support charities and emergency relief efforts on an ongoing basis.

Volunteer Activities

Sponsor Arts and Support Cultural Development 

TCB bank sponsored the Matsu Biennial of the General Association of Chinese Culture, the 2023 Projection Mapping Show featuring the Presidential Office Building on National Day, the 2023 Fireworks Show on National Day in Taichung, the charity concert of Taipei Kuan-Yin Line Psychological and Social Service Association, and the event of the Department of Music, National Taiwan Normal University, totaling NT$97 million, to provide a stage for artists to freely express themselves and to support Taiwan’s arts and cultural industries.

Rooted in Charity Power of Corporate Core Businesses

Long-term care is an increasingly popular topic in an aging population with a low birth rate and most seniors or disabled persons in Taiwan unable to care for themselves are often being cared for by their family members. As a result, these family members face tremendous stress and some are even encountering problems at work or facing economic or social issues, while often being overlooked by society. Therefore, since 2013, BNP TCB Life and Taiwan Association of Family Caregivers (TAFC) have been working together to introduce various measures and activities that support and care for family caregivers.

Charity Power of Corporate Core Businesses

Safeguarding Well-Being Donation

BPC TCB Life was the first to combine mortgage life insurance and donations to support family caregivers. A NT$300 donation is made to TAFC from each single premium mortgage life insurance policy. This is a way of product differentiation, and secures the leading position in mortgage life insurance while giving sales partners a sense of identity and honor.

Caregiver-Friendly Workplace

BNP TCB Life started working with TAFC on promoting long-term care preparatory courses and long-term care resources matching service in 2016. A designated contact was appointed under the Human Resources Department to be responsible for matching external resources and refer employees in need of long term care assistance to TAFC. Employees who are caregivers are also provided with a family care allowance that is better than the statuary requirement to promote "care family without leaving work".

Respite Services for Caregivers

Respite Coffee

Since their launch in 2016, the "Caregiver Cafe" and the "Community Information Station" have provided more than 3,000 freecups of "respite coffee" as well as long term care advice and stress relieving activities to provide family caregivers a break from the stress of caregiving. Meanwhile, BNP TCB Life was the first to offer a value-added policyholder service that provided 10 cups of Respite Coffee every year to customers who made claims and needed long term care.

Respite Academy

Organized movie days, yoga, baking classes, flower arranging courses, and the Ukulele Support Group to provide caregivers chances to break and help them apply for respite services. Close to 30 sessions of the Respite Academy had taken place every year since 2014.

Charity Activities for Family Caregivers

In 2023, BNP TCB Life launched a series of sweets baking events entitled "Guardian PLUS - Sweetening Life" to help lessen the daily pressure felt by family caregivers through hand-made pastries and to share their pressure through the warm and diversified service ecology created while promoting Long-term Care Policy 2.0 at the same time. A total of 3 baking events were held in Taichung, Kaohsiung and Taipei, and about 200 family caregivers and policyholders were invited to make "Forever Safe" scones, "Good-Luck" pineapple cakes and "Killing 2 Birds with 1 Stone" snacks.

International Forums for Family Caregiver

Under the instruction of the Ministry of Health and Welfare, BNP TCB Life invites industry, government, academic representatives working in long-term care in different countries and regions to discuss long-term care policies, research, and current situation and to present results that can be provided a basis for future long-term care policies. The event is attended by 300 people every year since 2013. The event was held as an online academic conference in 2021 due to the pandemic. After resuming in 2022, over 3,000 people have participated online and offline by the end of 2023.

Caregiver TV

Following the TAFC Caregiver TV campaign, BNP TCB Life produced shows such as "Caring not Lonely ","Long Term Care Classroom" and "Care-giving Study Club" so as to help caregivers who were unable to leave the house and young people who had not been exposed to care issues to learn more about care issues and possible solutions.

Policyholder Value-added Service

BNP TCB Life introduced value-added service for existing policyholders in 2022, providing innovative services such as flexible respite and practical instructors, having the TAFC to provide professional caretakers with alternatives, and assisting policyholders in checking and planning suitable long-term care resources, making the best of long-term care service in lessening caregivers' pressure. If a policyholder is not eligible for long-term care service, has not applied for it, or in case of insufficient long-term care support, the TAFC will find home service providers to provide assistance. Through various innovative methods, BNP TCB Life provides policyholders with value-added services, making policyholders feel attentive and warm.