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:



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.


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

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:

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.
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.

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.




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.

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.

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:

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.
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:
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.
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.
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.