Sustainability Strategy

Sustainability Strategy and Goal

We utilize our strengths and resources of our core business to align with the UN SDGs and have planned four sustainable development themes: "Corporate Governance, Sustainable Finance, Inclusive Finance, and Low Carbon Transition in response to global ESG trends.

Sustainability Goals	Implementation Status in 2024	Short-term Goals	Mid-term Goals	Long-term Goals
Enhance corporate governance	− In line with the response of listed companies to the FSC's policy, the Company adopted the Audit Quality Indicators (AQI) policy for the first time in 2024. − Completed the formulation of KGI Life Sustainability Information Management Guidelines.	− Jointly implement the IFRS Sustainability Standards introduction plan with the parent company and establish an internal control system for sustainability information disclosures. − Optimize the stakeholder system and intellectual property management.	− Assist the parent company in improving its ranking in the Corporate Governance Evaluation of TWSE/ TPEx Listed Companies and being selected as a constituent stock of international indices. − Complete the semiautomatic input system for stakeholders and prepare for integration into the financial holding system.	− Continue to strengthen the timeliness of information disclosure and improve the quality of sustainability information disclosures in accordance with the IFRS Sustainability Disclosure Standards. − Continue to optimize the stakeholder system and build a legal compliance technology and resource ecosystem.
Optimize sustainable supply chain management	− Completed human rights risk and ESG due diligence surveys on "key suppliers" with a 100% response rate. − Supported social innovation and environmental sustainability, through a procurement amount of NT$70 million--a number 6 times the target. − The Company was recognized by the Ministry of Environment and the Taipei City Government as a private enterprise with excellent performance in green procurement.	− Implement sustainable supply chain engagement and achieve a response rate of 70% for human rights risk and ESG due diligence surveys on "key suppliers". − Encourage suppliers to join social innovation organizations and reach NT$13 million in annual purchases from social innovation organizations. − Promote green procurement and obtain at least one related award.	− Implement sustainable supply chain engagement and achieve a response rate of 75% for human rights risk and ESG due diligence surveys on "key suppliers". − Encourage suppliers to join social innovation organizations and reach NT$14 million in annual purchases from social innovation organizations. − Promote green procurement and obtain at least one related award.	− Implement sustainable supply chain engagement and achieve a response rate of 80% for human rights risk and ESG due diligence surveys on "key suppliers". − Encourage suppliers to join social innovation organizations and reach NT$16 million in annual purchases from social innovation organizations. − Promote green procurement and obtain at least one related award.
Strengthen information security	− Reduced the response time to information security incidents by 50% and the impact of information security incidents. − Passed the new version of ISO27001:2022 Information Security Management System transition certification.	− Reduce the response time to information security incidents and introduce automated processes for handling information security incidents: 100% processing rate within 1 day. − Introduce a zero trust framework to reach maturity level I for high-risk and low-impact sites.	− Introduce automated processes for handling information security incidents: 100% processing rate within 1 day. − Introduce a zero trust framework to reach maturity level III for high-risk and low-impact sites.	− Information security incident automated handling process optimization: 100% processing rate of specific information security incidents within 4 hours. − Expand the implementation of the zero trust framework.

Sustainability Goals	Implementation Status in 2024	Short-term Goals	Mid-term Goals	Long-term Goals
Stable sustainable investment development	− Implemented Science Based Targets (SBTs) and promoted low-carbon transition along the value chain: • The carbon emission intensity of power generation projects was 0.19 (tCO2e/MWh), lower than the target 0.29 (tCO2e/MWh), with a 134% achievement rate. • The exposure ratio of high carbon industries was 16.7%, lower than the target 24.5%, with a 132% achievement rate. • Engagements were conducted, and 34% of the investment portfolio set their SBTs, higher than the target 29%, with a 117% achievement rate. − Revised the Procedures for Real Estate Investment and Management, achieving 100% implementation of the physical risk assessment of new real estate investment targets.	− 15% increase in green or sustainable investment positions compared to the end of 2022. − Engage listed companies and set carbon reduction SBTs for 31.84% of the investment value of listed equity and bond investment portfolios. − Implement decarbonization commitments and roadmaps, with investments in high carbon industries accounting for less than 24.5%. − Cease the provision of direct project financing and investment support for projects related to thermal coal and unconventional oil and gas by 2025, as well as for companies involved in the continued expansion of such operations. − Decrease GHG emissions per MWh of electricity generated from electricity generation projects by 28.54% compared to the baseline year (2022). − Strengthen flood prevention facilities, backup measures, or property insurance for investment real estate. The percentage of high-risk cases after target adjustment is less than 5%.	− 25% increase in green or sustainable investment positions compared to 2022. − Engage listed companies and set carbon reduction SBTs for 40.8% of the investment value of listed equity and bond investment portfolios in 2027. − Implement decarbonization commitments and roadmaps, with investments in high carbon industries accounting for less than 24.5%. − Continue to cease the provision of direct project financing and investment support for projects related to thermal coal and unconventional oil and gas, as well as for companies involved in the continued expansion of such operations. − Decrease GHG emissions per MWh of electricity generated from electricity generation projects in 2027 by 46.2% compared to the baseline year (2022). − Strengthen flood prevention facilities, backup measures, or property insurance for investment real estate. The percentage of high-risk cases after target adjustment is less than 4%.	− 35% increase in green or sustainable investment positions compared to 2022. − Engage listed companies and set carbon reduction SBTs for 49.7% of the investment value of listed equity and bond investment portfolios in 2029. − Implement decarbonization commitments and roadmaps, with investments in high carbon industries accounting for less than 24.5%. − Withdraw from direct investment and financing support for most of the coal and unconventional crude oil/natural gas-related industries in industrialized countries such as the EU and member countries of the Organization for Economic Cooperation and Development by 2030. − Decrease GHG emissions per MWh of electricity generated from electricity generation projects in 2029 by 63.00% compared to the baseline year (2022). − Strengthen flood prevention facilities, backup measures, or property insurance for investment real estate. The percentage of high-risk cases after target adjustment is less than 3%.

Sustainability Goals	Implementation Status in 2024	Short-term Goals	Mid-term Goals	Long-term Goals
Promotion of inclusive products and services	− The microinsurance premium target achievement rate reached 256%, ranking first in the industry. − Customer NPS: 4% growth YOY. − The resolution rate of the FOI was 98.23%. − Created the first multilingual interpretation service and friendly measures for people with disabilities.	− Maintain a top-three industry ranking in microinsurance premium income target attainment. − Continue to promote NPS: Listen to customers and optimize their experience, achieving a consolidated NPS of 55 points or higher. − A resolution rate of over 90% by the FOI.	− Maintain a top-three industry ranking in microinsurance premium income target attainment. − Continue to promote NPS: Listen to customers and optimize their experience, achieving a consolidated NPS of 57 points or higher. − A resolution rate of over 90% by the FOI.	− Maintain a top-three industry ranking in microinsurance premium income target attainment. − Continue to promote NPS: Listen to customers and optimize their experience, achieving a consolidated NPS of 60 points or higher. − A resolution rate of over 90% by the FOI.
Promote social welfare and support regional revitalization	− Organized the local youth talent cultivation academy, with more than 200 young students participating in financial education courses. − Promoted innovative and collaborative financial education to make financial education accessible to elderly people, students, people with disabilities, new immigrants, and indigenous people. − Enhanced the volunteer service culture, logging 29,092 volunteer service hours in 2024. − Continued to sponsor charity events, benefiting 68,415 people during the year.	− Promote financial education that combines regional revitalization concepts and work with 4 schools or 4 regional revitalization teams. − Volunteer activities are combined with regional revitalization teams/public welfare organizations, with a 10% annual growth in partners and sessions. − Average 7 volunteer service hours per employee. − Gradually increase the number of beneficiaries from charitable support for disadvantaged groups in remote areas, reaching 21,000 people.	− Promote financial education that combines regional revitalization concepts and work with 5 schools or 5 regional revitalization teams. − Volunteer activities are combined with regional revitalization teams/public welfare organizations, with a 10% annual growth in partners and sessions. − Average 8 volunteer service hours per employee. − Gradually increase the number of beneficiaries from charitable support for disadvantaged groups in remote areas, with a 5% annual growth in beneficiaries from charity activities.	− Promote financial education that combines regional revitalization concepts and work with 6 schools or 6 regional revitalization teams. − Volunteer activities are combined with regional revitalization teams/public welfare organizations, with a 10% annual growth in partners and sessions. − Average 9 volunteer service hours per employee. − Gradually increase the number of beneficiaries from charitable support for disadvantaged groups in remote areas, with a 5% annual growth in beneficiaries from charity activities.
Develop digital finance innovations	− Promoted digital insurance services and increased electronic policies by 12.03% compared to 2023. − Online service usage rate reached 40.9%.	− Promote electronic policies and mobile claim rates with a 2% annual growth. − iLife App/Web optimization or new services ≥ 12 items. − Establish Chatbot for C and complete 11 major FAQ and 38 service categories. − Install audio recording and playback bots for the elderly. − Develop the Mobile Application 2.0 for better performance and user experience.	− Promote electronic policies and mobile claim rate with a 2% annual growth and a 3% annual growth for mobile insurance purchase rate. − iLife App/Web optimization or new services ≥ 15 items. − Add transferring to live chat with human agent to Chatbot for C. − Add voice bots and customer self-service to Chatbot for C.	− Promote electronic policies and mobile claim rate with a 2% annual growth and a 3% annual growth for mobile insurance purchase rate. − iLife App/Web optimization or new services ≥ 15 items. − Establish a comprehensive smart customer service, providing text, voice, and video appointments to expand customer self-service. − Obtain the first operation approval from the competent authority for the audio recording and playback bots for the elderly, expand collaboration with external channels, and evaluate robot calling operations.
Continuous talent cultivation	− Organized 20 financial insurance seminars for colleges and high schools.	− Establish a succession and potential talent pool. − Organize at least 8 camps and lectures for colleges and high schools.	− Increase the retention rate of key talent. − Organize at least 20 camps and lectures for colleges and high schools over 2 years.	− Increase the retention rate of key talent. − Organize at least 25 camps and lectures for colleges and high schools over 2 years.
Promote financial fraud prevention	− Strengthened financial fraud prevention and provided online financial fraud prevention services for the visually impaired. − A total of 50 fraud prevention and financial literacy seminars were held throughout the year, with over 2,439 participants.	− Implement financial fraud prevention and promote 5 customer service fraud prevention measures. − Collaborate with community associations for seniors, indigenous people, and new immigrants to organize at least 12 fraud prevention and financial insurance seminars. − Collaborate with the Criminal Investigation Bureau to organize fraud prevention seminars for agents, with 3 sessions planned.	− Implement financial fraud prevention and promote 5 customer service fraud prevention measures. − Collaborate with community associations for seniors, indigenous people, and new immigrants to organize at least 25 fraud prevention and financial insurance seminars over 2 years. − Collaborate with the Criminal Investigation Bureau to organize fraud prevention seminars for agents, with 7 sessions planned over 2 years.	− Implement financial fraud prevention and promote 5 customer service fraud prevention measures. − Collaborate with community associations for seniors, indigenous people, and new immigrants to organize at least 30 fraud prevention and financial insurance seminars over 2 years. − Collaborate with the Criminal Investigation Bureau to organize fraud prevention seminars for agents, with 9 sessions planned over 2 years.

Sustainability Goals	Implementation Status in 2024	Short-term Goals	Mid-term Goals	Long-term Goals
Strengthen risk management mechanisms	− Continued to improve climate risk management mechanisms and strengthen climate scenario analysis. − Maintained the business continuity management mechanism for natural disasters. Completed annual off-site office drills, information operation continuity plan drills, and internal audits.	− Introduce the IFRS Sustainability Disclosure Standards. − Introduce the principle of dual materiality and optimize the disclosure of sustainability information. − Strengthen climate-related opportunity identification and corresponding management strategies. − Optimize scenario analysis tools to assess the financial impact of transition risks. − Optimize physical risk scenario analysis models.	− Complete preparations for alignment with IFRS S1/S2 Climate-related Information Disclosure Requirements. − Continue to improve the methodology for climate risk scenario analysis.	− Publish climate-related information in accordance with IFRS S1/S2 Climate-related Information Disclosure Requirements. − Continue to improve the methodology for climate risk scenario analysis.
Transition to low-carbon products and services	− Promoted paperless administrative processes, with a 14% annual growth rate in paper savings, equivalent to saving 10.187 million sheets of paper.	− Promote paperless administrative processes, including E-notice/electronic notifications, with a 5% annual growth rate in paper savings.	− Promote paperless administrative processes, including E-notice/electronic notifications, with a 5% annual growth rate in paper savings.	− Promote paperless administrative processes, including E-notice/electronic notifications, with a 5% annual growth rate in paper savings.
Optimize operations and carbon management	− The Company's operational carbon emission was 3,836 tons, lower than the target of 6,021 tons, with a 136% achievement rate. − Continued to obtain ISO 50001 Energy Management System external certification and ISO 14001 Environmental Management System external certification. − Employee cafeterias regularly implemented the "One Day Without Red Meat" initiative, reducing carbon emissions by 43.77 metric tons. − 51% of equipment used at offices and agencies have water efficiency labels.	− Implement operational carbon emission reduction for offices and agencies based on SBTs. − Continue the red meat reduction and zero kitchen waste plan for employee cafeterias to promote operational carbon reduction and circular economy development: • Two vegetarian days a year • Red meat free menu twice a month − More than 65% of equipment used at offices and agencies have water efficiency labels. − Obtain ISO 14001 certification for the headquarters and Dunbei buildings. − Obtain ISO 50001 certification for the headquarters building.	− Implement operational carbon emission reduction for offices and agencies. Maintain carbon neutrality in the headquarters building. − Continue the red meat reduction and zero kitchen waste plan for employee cafeteria to promote operational carbon reduction and circular economy development: • Two vegetarian days a year • Red meat free menu twice a month − More than 65% of equipment used at offices and agencies have water efficiency labels. − Obtain ISO 14001 certification for the headquarters and Dunbei buildings. − Obtain ISO 50001 certification for the headquarters building.	− Implement operational carbon emission reduction for offices and agencies. Maintain carbon neutrality in the headquarters building. − Continue the red meat reduction and zero kitchen waste plan for employee cafeterias to promote operational carbon reduction and circular economy development: • Two vegetarian days a year • Red meat free menu twice a month − More than 65% of equipment used at offices and agencies have water efficiency labels. − Obtain ISO 14001 certification for the headquarters and Dunbei buildings. − Obtain ISO 50001 certification for the headquarters building.