E.SUN Commercial Bank, Ltd. is a pioneer in Taiwan's financial market, with a "customer-centric, innovation-driven" philosophy in the areas of retail banking, corporate finance and digital services. Founded in 1992 by Mr. Huang Nanzhou, the headquarters is located at No. 117, Section 3, Minsheng East Road, Songshan District, Taipei, Taiwan. As a wholly-owned subsidiary of E.SUN Financial Holding Co., Ltd., E.Sun Bank serves more than 20 million customers and has become a leader in Taiwan's banking industry with its solid financial performance and innovative capabilities.
Bank Basic
InformationYushan Bank is a commercial bank, non-state-owned or joint venture, founded in 1992, headquartered at No. 117, Section 3, Minsheng East Road, Songshan District, Taipei, Taiwan. Founded by the Huang Nanzhou family, the bank established Yushan Financial Holdings Company in 2002 to integrate banking, securities and venture capital businesses, and was listed on the Taiwan Stock Exchange (stock code: 2884). The main shareholders include the Huang Nanzhou family and institutional investors, and the holding structure is centered on Yushan Financial Holding Company. E.Mountain Bank is strictly regulated by the Financial Supervisory Commission (FSC) of Taiwan and is required to comply with the Banking Act and international financial standards to ensure operational transparency and the safety of customer funds. Its deposits are protected by Taiwan's deposit insurance system, with a maximum coverage of NT$1 million per depositor. The bank's SWIFT code is ESUNTWTP and the Legal Entity Identifier (LEI) is 5493007T4IX8QJVE4G29. Bank of E.Sun has 139 branches in Taiwan and 28 branches in 9 countries and regions, including China, Hong Kong, Japan, Singapore, Vietnam, Cambodia, Myanmar, Australia and the United States, with approximately 27,000 employees worldwide.
Deposit & Loan Products
depositsYushan
Bank provides a variety of deposit products to meet the savings needs of individual and corporate customers:
demand deposits: Including checking accounts and savings accounts, such as Yushan savings account, the minimum account opening amount is NT$500, and the base annualized rate of return (APY) is about 0.3%, and the latest interest rate (E.SUN Bank) needs to be confirmed through branch or online banking.
Fixed deposits: Support 12 currencies such as NEW TAIWAN DOLLAR, USD and RMB, with deposit terms ranging from 7 days to 60 months, and the minimum deposit amount is NT$10,000. During the 2025 promotion period, the fixed deposit interest rate can be up to 2.5% (12 months, the deposit amount is less than NT$10 million), which needs to be enquired through online banking or branches.
Featured products:
high-yield savings accounts: such as "Yushan Premium Savings Account", which offers an annualized interest rate of up to 1.5% and needs to maintain a balance of more than NT$100,000.
Large Certificate of Deposit (CD): Flexible tenor, suitable for customers with large amounts of funds, the interest rate needs to be queried through the branch or app.
Customers can check the "Cloud Interest Rate" offer through the E.SUN Mobile app or online banking, and the deposit products can be opened and calculated instantly, and some accounts can be free of transaction fees.
loansYushan Bank provides a comprehensive range of loan products, covering housing loans, car loans and personal credit loans:
housing loans: Fixed-rate and variable-rate mortgages with a loan amount of up to 80% of the value of the property and a repayment period of up to 30 years. In 2025, the fixed interest rate will be as low as 3.5% (3-year), and the floating rate will be based on the minimum lending rate (MLR, about 6.87%), with cash rebates and insurance discounts, depending on the bank.
Car Loans: Support financing for new and used cars, with a loan amount of up to NT$3 million, a term of up to 72 months, an annualized interest rate (APR) as low as 1.88%, and a credit score of 660 or above.
Personal Line of Credit: Including Yushan Personal Loan (APR as low as NT$9.99% and amount up to NT$1.5 million) and asset-backed overdraft (up to NT$15,000 of collateral market value), the application threshold is a monthly salary of NT$15,000 or above and a good credit history.
Flexible repayment options: Mortgages and personal loans offer no penalty for early repayment, weekly or bi-weekly payment plans, and a revolving line of credit for flexible debt management.
All loans are subject to bank approval, using the "Rule of 78" to calculate the interest and principal ratios, and customers are required to provide credit history, income proof and asset information, the specific terms of which are subject to the loan agreement. Banks' trade finance services, such as letters of credit and trade loans, provide additional support to cross-border businesses.
Digital Service
ExperienceYushan Bank's mobile banking app "E.SUN Mobile" is the core of its digital services, which can be downloaded on iOS 14.0 and above and Android 9.0 and above devices, with an App Store rating of 4.6 and a Google Play rating of 4.5, and users praise its quick launch (within 2 seconds) and intuitive interface (E.SUN Mobile). Core features include:
Face recognition: supports biometric authentication (such as Face ID and Touch ID), combined with strong encryption technology to ensure transaction security.
Real-time transfers: Support real-time transfer of NTD through Taiwan's inter-bank transfer system, with a daily limit of up to NT$1 million, international remittance covering more than 100 countries, and cooperate with Western Union and other platforms to provide low-rate transfers.
Bill management: Support online bill payment, automatic deduction and e-statement, and classify transaction records in real time.
Investment Tool Integration: Support stocks, funds, bonds, and derivatives trading with E.SUN Invest, providing real-time market data and investment advisory services.
The online banking platform E.SUN supports multiple browsers and provides similar functions, allowing customers to open an account within 5 minutes through the app or official website. The app supports accessibility features such as dynamic font adjustment and VoiceOver compatibility for visually impaired and hearing-impaired customers. Some users reported occasional technical issues, but the bank continued to optimize the user experience.
Technological
InnovationYushan Bank is a leader in fintech, driving innovation through its technology subsidiary:
AI customer service: Developed an AI-driven customer service system that analyzes transaction behavior and detects fraud risks in real time, and won the "Best AI Application Award" from The Digital Banker in 2023. A virtual assistant is planned to be launched in 2025 to support 24/7 inquiries and personalized financial advice.
Robo-advisor: Provide AI-based investment management services through E.SUN Invest, recommend diversified portfolios based on customers' risk appetite, with a minimum investment of NT$1,000 and no subscription fees.
Open Banking API Support: Follows the Open Banking Framework of the Financial Supervisory Commission of Taiwan and integrates with third-party service providers to provide account management and financial services interoperability, especially in the areas of trade finance and cross-border payments.
Other innovations: The E.SUN Mobile super app integrates banking, payment, investment and lifestyle services, supports QR code payments, mobile check deposits and the eTradeConnect platform, simplifying trade finance applications. In 2024, the bank will invest NT$3 billion to upgrade its cloud technology and data analytics platform to improve operational efficiency.
Featured Services & DifferentiationYushan
Bank is known for its digital services and focus on SMEs:
SME support: Customized loan and cash management services through E.SUN SME, Participate in the SME Financing Guarantee Program of the Financial Supervisory Commission of Taiwan, with a loan approval rate of up to NT$3 million in as fast as 10 seconds.
International presence: It has branches in China (Shenzhen, Chengdu, Hong Kong), Laos, Cambodia, Vietnam, Myanmar, Australia and the United States to support trade financing in countries along the "Belt and Road".
Sustainable development: Launched green bonds and preferential interest rate loans, supported environmentally friendly projects, responded to the United Nations Principles for Responsible Banking, and became the first financial institution in Taiwan to set a net-zero emission target by 2050 in 2023, winning the "Taiwan Green Finance Pioneer Award".
Financial Education: Financial literacy lectures are held through E.SUN Academy to enhance the financial literacy of customers and the community.
Wealth Management: Provide high-end wealth management services, including individual pension funds, unit trusts and insurance products, to meet the needs of high-net-worth customers.
Market Position &
HonorJadeMountain Bank is one of the leading commercial banks in Taiwan, with total assets of NT$4.2 trillion, revenue of about NT$150 billion, and net profit of NT$41 billion in 2023, ranking among the top in Taiwan's banking industry. With 139 branches and 12,000 ATMs, the bank serves more than 20 million customers, and occupies a leading position in the SME and retail banking segments. Its international footprint covers Asia, Australia and the United States, and it ranked 374th on the Forbes Global 2000 list in 2023. Key accolades include:
The Asian Banker 2023 "Best Digital Bank in Asia" Awards.
The Digital Banker's 2023 "Best AI Application" Award.
2022 Greenwich Associates SME Customer Experience Award.
2023 Taiwan Elite "Best Customer Experience Award".
It has been included in the Dow Jones Sustainability Indices (DJSI) Emerging Markets Index for 10 consecutive years and the World Index for 8 consecutive years.
E.S. Bank's solid financial performance and innovation capabilities have made it a leader in the financial markets of Taiwan and the region.
SummaryE.S. Bank Limited is a pioneer in Taiwan's financial market with its outstanding performance in digital services, SME support and sustainable development. The bank provides a wide range of deposit and loan products to meet the diverse needs of customers. The E.SUN Mobile app is widely acclaimed for its efficient real-time transfer and investment management features. Technological innovations, including AI customer service, robo-advisors, and open banking API support, demonstrate its forward-looking digital transformation. With its international presence, commitment to green finance and a number of industry accolades in 2023, E.Mountain Bank continues to demonstrate strong competitiveness and influence in the Taiwan and regional financial markets.
