Sustainability

Management guru Peter F. Drucker has said: "The goal of a company is to create customers." The best way to create customers is to understand your customer. We listen carefully to the voice of the market, and understand the needs of our customers, providing them valuable services. This is absolutely the only way to be a sustainably-operated business. Only by having customers can we have a better Chailease Holding.

Chailease Holding applies the concept of Service with Passion to continue cultivating the Taiwan market, in addition to actively expanding overseas markets. With enthusiasm as our foundation, we hope to improve service quality continuously and efficiency to make our services more aligned to customer needs. Chailease Holding always become better because of our customers. In the future, we will promote “A Supporting Partner of Our Customers, A Driving Force of Economic Success” business philosophy, as we work toward the goal of becoming the best financial services company in the Asia Pacific Area. We hope to be a positive and uplifting force in the financial leasing industry, protecting customers, society, and shareholders, while simultaneously creating sustainable value for all.

We provide leasing, installment sales, direct financing, factoring, and other services for our products, while equipment leasing and installment plans comprise our core business. We continue to develop new products, including green energy services, inventory financing, and insurance brokerage services.

Chailease Holdings has always designed products and services that conform to customer needs. Following the principle of flexible designing, Chailease Holdings customized various financial and leasing products and services based on the needs of different customers. By executing business professionally and managing risk rigorously, we assist our customers with ground-planned leasing products and capital use.

To provide the best service to customers, every subsidiaries of Chailease Holdings shall promote its business with clear explanation of product or service. Moreover, every subsidiaries should consider each customer's basic information, financial status, capital, equipment needs, and the attribute of capital needs, acceptable risk and industrial background, along with internal and external environmental factors, to propose the most-fitted solution to the customer. Moreover, through internal supervision mechanisms, various levels of internal reviews are performed on each transaction based on project characteristics so that we can ensure the legitimacy of it. After both parties confirmed the wellness to move forward, a written contract will be signed to regulate clearly the responsibilities and duties of both parties.

In line with the United Nations’ goal of promoting financial inclusion for disadvantaged groups and remote areas to provide basic financial services. Chailease formulated " Financial Inclusion Policy", committed to actively innovating and expanding the accessibility and use of financial services, and launch tailor-made financial products and services that meet the needs of all sectors of society or different ethnic groups. We exert our financial influence to ensure that all social classes and groups can enjoy fair and reasonable financial services or resources. We also indirectly contribute to increasing the employment rate and enhancing the quality of life for disadvantaged groups. The following examples illustrate the aspects that have been implemented:

Products and Services


Increases Employment Rate of Inclusive Finance
Note: 
  1. The calculation formula is the number of employees in each country (total amount of car loans or micro loans ÷ average annual salary per person) ÷ the number of labor force
  2. Average employment growth rate = total number of employed persons ÷ total labor force

Chailease has established a comprehensive monitoring mechanism for credit recipients, organized a risk management committee to formulate risk polices, and set up a review committee to do credit checks and verifications before lending. Evaluation mechanisms have been enhanced, and credit quality control implemented. To fulfill corporate social responsibilities while considering the interests of customers and shareholders as well as financial sustainability, Chailease added ESG factors to its credit evaluation process requiring credit companies to assume responsibility for employees, society and the environment. They must also abide by corporate ethics, respect employee rights and care, and prioritize environmental protection. The company is committed to reducing ESG risk to enhance the value of its long-term corporate investment/loans.

Supervision Mechanism

Review Process

The corporate finance credit business has added ESG risk review to the KYC process (see below).

Sustainable Corporate Finance Products

Chailease formulates "Sustainable Financial Policy" to fully cover corporate consumer finance business. Chailease is committed to promoting energy-saving green energy products, and the green energy value chain, and is gradually expanding the development of related business while passing on green concepts. Overall customer information in Taiwan operations:

ESG Industry Financing

 

Energy-Saving Equipment Financing Projects

In 2025, Chailease participated in more than one hundred financial leases and installment projects for energy-saving equipment financing projects (such as LEDs, cloud-based energy-saving controllers, power savers, solar photovoltaic modules, optical energy-saving fluorescent lamps, inverters, and other equipment), with a total amount financed of over NT$671 million. In addition to contributing to environmental protection, corporate social responsibility and green energy products, this also brings long-term, stable performance and benefits to the company. In the future, we will continue to replicate Taiwan's successful experience, and develop more overseas markets.

Liability Insurance

Chailease upholds corporate social responsibility. To avoid unpredictable accidental losses to enterprises, when setting up real estate collateral a customer has to insure against fire, water and earthquake risks. Items mortgaged by the company must also be insured against fire to guarantee basic insurance protection; for high-risk industries, such as shipping, based on operational responsibility requirements, ship owner liability insurance and hull insurance are required. In 2025, there were 169 marine insurance contracts, with approximately 1.208 billion in mortgage ship interest insurance (MII). Hull insurance was about 2.372 billion, indemnifying against damage to the hull or harbor through collision, as well as against death or injury to crew members, wreckage removal and possible polluting oil spills. In addition to ensuring the sustainable operation of enterprises, this policy also contributes to the protection of the environment.

Sustainable Consumer Finance Products
Electric Scooter Installments. Impacting Low-Carbon Cities.
The development of sustainable finance is currently an increasingly important trend in Chailease’s business, and in response to the trends for energy conservation and carbon reduction worldwide, the government of Taiwan has also implemented low-carbon city and low-pollution policies. When Chailease launched its motorcycle loan business, it vigorously promoted electric scooters as well. The company agrees that clean energy is more friendly for the environment, and installment payments can help more people to be able to move toward electric scooters, as a means to work together to reduce air pollution.
 
Loans for Old Diesel Vehicles to Replace with New Ones
In response to government regulations, Chailease Holding also provided loans for old diesel vehicles to help replace them with new ones. This has helped reduce diesel air pollution, reduce black smoke, improve air quality, and reduce energy consumption. Chailease Holding does its best for the sustainability of the earth.
 
Sustainable Investment - Renewable Energy

Chailease Holding cooperates with banks to provide funds into green financing. The fundraising projects include green bond, syndicated loans. The cumulative amount exceeds NT$199.8 billion. The funds raised are used for renewable energy and green energy related projects to accelerate the development of solar power plants.

Partnering with Customers to Promote ESG

Supporting Customers
Chailease Holding is committed to providing fair and reasonable financial services to all social strata and groups, as well as providing non-financial support in order to give back to the society and create a more inclusive and harmonious financial environment. The activities to be handled in 2025 are as follows:
 

In 2025, a customer satisfaction survey was conducted covering all major products, with a total of about 4,000 questionnaires collected. Using the quantitative conversion mechanism of indicator satisfaction, the average overall satisfaction rate of corporate finance customers was 96.9%, the average overall satisfaction rate of consumer finance (zingala card) customers was 97.1%, and the average overall satisfaction rate of short term tenant customers was 100% in 2025. The overall satisfaction rate of customers with the Company’s services exceeded the set target.

Survey respondents:
  1. Corporate Finance – Customers accepted from January to December 2025, excluding those with terminated/cancelled contracts and those surveyed in 2024.
  2. Consumer Finance-zingala members accepted 2 times (or more) between 2025/1/1-2025/12/31 or random sampling of 3% of those with total coin offset amount greater than NT$1 in the past to date.
  3. Short term rental-Successful pickup and return of vehicles (excluding foreign customers) for the whole year of 2025. 
Calculation:
  1. The original corporate finance questionnaire employs a 5-point scale, and responses with an average rating of 4 or above are considered satisfactory.
  2. The original questionnaire for short-term rentals employs a 7-point scale, and responses with an average rating of 5 or above are regarded as satisfactory.
  3. The original questionnaire on consumer finance employs a 5-point scale, and responses with an average rating of 4 or above are considered satisfactory

After the results were calculated, a qualitative approach was also used to gain more information about special cases. These results became an important topic in management committee meetings. It is hoped that by establishing multiple communication channels, we will be able to hear more customer voices, understand customers’ real needs, and propose the most appropriate improvement methods to achieve our goal of providing customers with the best possible service.

These topics entered into discussions among the operations and management committee. The hope is to strive to establish more and diversified channels of communication so that the company can better listen to the voices of many customers and understand their true needs. This is the way to find a pathway to improvement and gradually increase customer satisfaction with a goal of providing customers with truly excellent service.

Chailease Holdings places great emphasis on different perspectives. We collect customers’ opinions actively and take a very open-minded view of employee suggestions or any innovative thinking within the group. We set up an employee suggestion system and an incentive platform to get innovative suggestions, encouraging employees to bring forth new ideas. We hope the system will allow the thoughts from employees could be implemented, so that we can always know what the customer's need in advance. 

Before bringing out a new product or service, we would have internal assessment of the legality which ensures the product or service complying with laws. All promotional ads, public relations news or employment ads which are post in print, electronically or in sound form must go through the company's internal auditing and managing processes. The coherent units must review and approve its legality to ensure the rights of those getting information and to maintain the company's reputation and image. Items officially online should be adjusted at all time based on customers’ opinions and the feedback of our employees, to meet our sole goal that design products which can meet our customers' needs.

Customized Service
Chailease Holding takes into account the needs of disabled customers and provides them contracted and guaranteed home services and a barrier-free webpage.

Having an environment friendly to those with physical or mental disabilities is an important item on Chailease's office assessment checklists. Taking the Neihu headquarters as an example, the entrance to the main building features a barrier-free ramp for people with disabilities, and guard booths are available to help those who might need assistance immediately.

In accordance with the Protection Act for Rights and Interests of Disabled Persons, guide dogs, deaf guide dogs, and physical assistance dogs are free to enter and exit each business unit. In addition to accessible ramps and helpful guards in the headquarters building, there are also 79 accessible bathrooms, evenly distributed on each level of the building. The hope is that any colleagues who are in need will be able to access them conveniently and quickly, so that accessibility will truly be universal. Chailease has branches in many places, and when selecting office buildings around the world, a primary selection criterion is an environment that is friendly to those with physical or mental challenges.

 

Before the implementation of the new personal information protection law, the Company already had in a place a security mechanism for maintaining personal information, including the formulation of “Data Classification Management Measures”, “Personal information Protection Key Points”, “Information Security Policy”, “Information Security Management Key Points”, and other specifications. We clearly formulated the protection procedures to be followed for the authorization, use, storage, management and destruction of personal information. At the same time, in order to demonstrate our persistence and commitment of attaching great importance to the safety of customers’ personal information, a personal information protection team has been established to ensure the implementation of the personal information law.

Regarding the protection of personal information, the Company has three lines of defense controls to ensure that the collection, processing or utilization of personal information complies with external laws and internal regulations:

Enhance Information Security Management

The Company is committed to enhancing information security management, establishing appropriate protection measures for all information areas within the Company in accordance with relevant internal and external regulations as well as regularly reviewing the suitability of the regulations to prevent improper disclosure of customer personal information, so as to reduce penalties by the competent authority that could damage the Company’s reputation.

Prioritizing Customer Information Security and Personal Data Protection

Chailease Holding and its subsidiaries attach great importance to customer information security and personal information protection. All our employees receive personal information confidentiality and operational security law training. Such training provides them with a reference and develops their consciousness of personal information issues so they will conduct good data security practices and protect personal information in their daily work. When customers provide personal information, we request they sign the ”Notice of Collection, Processing and Utilization of Personal information”, and strictly control the use of customers’ personal information. If it is necessary to cross products or use the customer’s personal information for non-primary collection purposes, it must comply with laws and regulations and obtain customer consent.and shall be handled in accordance with the following principles: 

  1. Comply with relevant government laws and regulations and information management principles.
  2. Specify the type, purpose, use, duration of use (in accordance with the relevant laws and regulations or contractual retention period or the retention period necessary for the execution of the Company’s business), region, target, and method of use of the personal information collected.
  3. Customer personal information is strictly stored in Chailease Holding and its subsidiaries or its entrusted information storage system with high security and stability. 
  4. Acquisition and use of data must be within the scope of data authorization stipulated by Chailease Holding and its subsidiaries.
  5. Appropriate technical and organizational security measures have been adopted to protect customers’ personal information from loss or any illegal processing.
  6. Customers’ personal information should not to be provided to anyone(either in the private or public sector) other than those notified by Chailease Holding and its subsidiaries, except when required by a judicial unit or other competent authority in accordance with applicable laws and through formal and legal procedures.
  7. Customers are fully informed that they have the right to opt-in, opt-out, request the Company to retain their personal information, request correction, request deletion, request data portability to another service provider and stop collecting, processing, or utilizing their personal information.​
Implement Necessary System-Level Data Masking Measures and Manage the reuse of personal data

In addition, according to the personal data security protection and operation risk level, we carry out personal information masking operation of the necessary system, control the secondary use of personal data and implement various security control measures.

  1. Set the data access authority of colleagues according to different business scopes.
  2. Implement USB storage device block management to reduce the risk of data leakage through the flash drive, so as to facilitate the control and review of data duplication.
  3. Colleagues use mobile devices to send and receive company emails, set up authority control and only those with business needs can apply for use. We also introduce a security control mechanism to prevent storing of data in endpoints when transmission. Prevent information security risks such as data leakage or loss or theft through mobile phones to truly protect personal data safety.
  4. For the information system storing personal data, professional information security vendors are regularly appointed to conduct vulnerability scanning and penetration testing, so as to maintain the defense strength of the information operating environment and keep pace with the times.
  5. The internal transmission of customer information is also strictly regulated to strengthen control, and is regularly inspected by the internal audit department to ensure that all control mechanisms are effectively implemented.
  6. Regularly conducted Disaster Recovery (DR) drills and information security incident response exercises to ensure business continuity.
  7. Utilizing Data Loss Prevention (DLP) systems to detect and prevent unauthorized transmission of personal data in real-time while maintaining comprehensive audit logs.​
Ensure the Protection of Customer Data

The Company places great importance on information security and the protection of personal data. To safeguard customer information, internal policies and management procedures have been established in accordance with relevant laws and regulations. Employees who have access to personal data are required to complete regular training on personal data protection, confidentiality obligations, and information security practices. Through these measures, the Company enhances awareness of information security and ensures that personal data is properly protected in daily operations. We also require employees to appropriately perform their responsibilities of protecting confidentiality and managing data, with rigorous internal rules for management as well as the gradual establishment of an audit trail and records tracing systems. The management of personal information has been included in the scope of annual audit of inspection of information and communications security and self-assessment, and through these comprehensive and targeted reviews, we will increase the protection of customer data by employees and increase knowledge of and compliance with relevant law.

The auditing units of the Company and its subsidiaries shall conduct inspections of the implementation of personal information protection in accordance with regulations. We will import personal data management standards in the future. If it is otherwise provided by laws or regulations or required by the competent authority, each subsidiary may also, depending on actual needs, appoint an independent third party to conduct the inspection of the matters specified in the preceding paragraph and provide inspection recommendations. In 2025, the Company continued to strengthen its personal data protection and information security management mechanisms. All relevant incidents were handled in accordance with internal reporting and response procedures, with ongoing review and improvement measures implemented. In 2025, there were no personal data protection incidents that had a material impact on the Company’s operations or customers’ rights and interests.

 

Continue to Develop Data Governance Policies and Management Frameworks in the Future

The rate of the secondary use of personal information of the Company and its subsidiaries is 75.6% in 2025. Personal information is retained for 10 years in accordance with applicable laws, contractual obligations, and the Company's data retention policy. In the future, we will continue to plan the management systems and norms related to data governance (ex. BS 10012 or ISO 27701), introduce a data leakage prevention system, strengthen the customer data protection mechanism, improve the level of information security protection comprehensively, and establish a safe and reliable operating environment. The purpose of collecting customer data, the method of use and the exercise of related rights and interests are all stated in the notice of consent or contract to help customers fully understand the rights and obligations of both parties. Company employees dedicated to the protection of personal information act based on the relevant rules of the company to appropriately handle and provide feedback on such matters, and appropriate rules are set and revised. And the improvements of our business processes, the rigor of our internal rules will reduce the occurrence of customer complaints.

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