ESG in CDF
Our five sustainable business strategies reflect our focus on social responsibilities and the goals that we must achieve.
Value Creation Model
    Financial Capital
    Input
    Total consolidated assets
    NT$3.5 trillion
    Total Operating expense
    NT$35.02 billion
    Output
    Financial Value
    Consolidated net profit, including NT$12.06 billion from non-controlling equity
    NT$47.10 billion
    Consolidated ROE
    15.1 %
    Non-Financial Value
    Constituent stock of DJSI(World, Emerging Markets) for the second consecutive year
    Constituent stock of FTSE4Good Emerging Index and FTSE4Good TIP Taiwan ESG Index
    Ranked in the Top 6-20% of the 7th Corporate Governance Evaluation of TWSE/TPEx listed companies
    CL, CDIB, KGIB, KGIS and KGI SITE signed the “Stewardship Principles” of TWSE
    Intellectual Capital
    Input
    CL Fintech investment (or optimization)
    NT$176.23 million
    CL i-Agent investment
    NT$11.25 million
    CL subsidy for license certification examinations
    NT$2.892 million
    KGIB system research and development investment (including mobile banking, online banking, and the introduction of intelligent customer service platforms, and the new financial market trading systems, etc.)
    NT$230 million
    KGIS FinTech investment
    NT$200 million
    Output
    Financial Value
    CL i-Agent utilization rate
    86%
    Utilization rate of mobile insurance
    97%
    Average licenses of CL employees
    2.6
    Average licenses of KGIB employees
    5.35
    Built the fifth-generation “DMA-Speedy trading system” for customers to use the Company’s low-latency and high-frequency trading system: average monthly trading volume increase
    18%
    Non-Financial Value
    Video survival analysis
    7742 times
    Introduction of “RPA Process Robots” reduced manual work: improved work efficiency by
    70%
    Human Capital
    Input
    Training expense
    NT$44.617 million
    Employee salary expense
    NT$17.99 billion
    Output
    Financial Value
    Human Capital Return on Investment (HC ROI)
    9.64
    Average training costs NT$3,285.6 (excluding field staff), a 6.8% increase from the previous year
    Employee compensation: a 24.6% increase from the previous year
    Non-Financial Value
    Constituent stock of Taiwan High Compensation 100 Index for 8 consecutive years
    Average training hours: 76.31 hours
    Natural Capital
    Input
    Green procurement
    NT$180 million
    Received ISO 14001, ISO 50001 third-party certification, and domestic ISO 14064-1 100% inventory and verification
    Social Relation Capital
    Input
    Total public welfare expenditure (including time investment and in-kind donations)
    NT$150.77 million
    Employee volunteer time
    44,471 hours
    Promoted microinsurance, small-sum end-of-life insurance policies, and disability whole life comprehensive insurance that catered for the needs of the disabled – “Friendly Whole Life Insurance”
    Micro insurance
    33,178 policyholders
    Small-amount life-insurance
    27,032 policyholders
    Output
    Financial Value
    “Give You A Hand” revolving credit: 318people successfully applied, with a success rate 58%
    “Taxi Driver” small-sum revolving credit: 168 people successfully applied, with a success rate 35%
    “Quick Repayment”, a quota-based loan product: enabled amount
    NT$ 286 million
    Charitable trusts
    NT$29.02 million
    Non-Financial Value
    Microinsurance serviced policyholders
    60,783 people
    Small-sum end-of-life policies
    31,114
    Disabled people were insured
    16,315 people
    Beneficiaries of public welfare activities
    27,634 people
    “Heritage 100 X Tutelage 100” social return on investment (SROI)
    4.9%
Materiality
CDF emphasizes on stakeholders' expectations by incorporating issues they consider important into CDF’s goal of business sustainability. Before compiling the CSR report, we have identified the top 8 stakeholder groups and collected related issues of economic, environmental, social, and governance of which our stakeholders may concern about and their impacts on the company's sustainable management. We have constructed corporate strategies, business objectives and annual plans based on the material issues and presented in the CSR Report.
Material Issues Identification
Based on AA1000 Stakeholder Engagement Standards. CDF invited 34 CSR committee members and senior executives to identify stakeholders by five criteria responsbilities
Step 1
Identification
Stakeholder Groups
8
Stakeholder Groups
8 stakeholder groups were identified: Government and Competent Authorities, Investees, Clients, Shareholders /Investors, Employees, Media, Suppliers, Community
Material Issues
18
Material Issues
Information and Cyber Security, Risk Management, Corporate Governance and Ethical Management, Operational Performance, Customer Privacy and Protection, Service Quality and Customer Relationship Management, Sustainable Finance, Digital Finance and Innovation, Society Issue Response Strategies, Talent Attraction and Retention, Talent Training and Development, Occupational Health and Safety, Financial inclusion, Green Operation, Climate Change Response Strategies, Human Rights, Social Participation, Sustainable Supply Chain Management
Step 2
Collection
Questionnaires
972
Questionnaires
To understand the views of all major stakeholders, CDF considered their proportional makeup and brought out a questionnaire on major issues that are of concern to such stakeholders, and analyzed the levels of their impact on their decisions and evaluation.
Internal Stakeholders
795
Internal Stakeholders
Internal Stakeholders Authorities, Investees, Clients, Shareholders and Investors, Employees, Media, Suppliers, and
External Stakeholders
177
External Stakeholders
External Stakeholders Authorities, Investees, Clients, Shareholders and Investors, Employees, Media, Suppliers, and
Step 3
Analysis
WORKING GROUPS (WGS) OF SUSTAINABILITY COMMITTEE
6
WORKING GROUPS (WGS) OF SUSTAINABILITY COMMITTEE
6 Working Groups (WGs) of Sustainability Committee: Corporate Governance, Social Philanthropy, Environmental, Financial Responsibility, Client Relations, and Employee Well-Being
Step 4
Confirmation
Material Issues With High Impacts
5
Material Issues With High Impacts
Corporate Governance and Ethical Management, Information and Cyber Security, Risk Management, Business Performance, Customer Privacy and Protection
Material Issues Matrix
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Environmental
We have included environmental protection and sustainable development as our major mission since 2008. In 2021, we have become the industry s leader in ESG