中国输出入银行

Export-Import Bank of the Republic of China (Eximbank) is a unique pillar of Taiwan's financial market, with its philosophy of "promoting trade and creating prosperity together", and has demonstrated outstanding performance in the fields of trade finance, export credit insurance, policy finance and green finance. Founded in Taipei on January 11, 1979 with the aim of promoting Taiwan's import and export trade through efficient credit and insurance services, the headquarters is located at No. 120, Section 1, Chongqing South Road, Zhongzheng District, Taipei, Taiwan. As a wholly owned state-owned bank under the Ministry of Finance, Eximbank serves a wide range of corporate and individual customers, and has become a leader in the field of trade finance in Taiwan with its specialized financial services and robust business model.

Bank Basic InformationChina

Export and Import Bank is a state-owned commercial bank, established on January 11, 1979, headquartered at No. 120, Section 1, Chongqing South Road, Zhongzheng District, Taipei City, Taiwan. The Bank was established under the Republic of China Export-Import Banking Act to facilitate Taiwan's import, export trade and international investment by providing export credit insurance, refinancing facilities, and other financing services. Eximbank is fully owned by the Taiwanese authorities through the Ministry of Finance, with no private shareholders and a holding structure directly managed by the Ministry of Finance. Banks are strictly regulated by the Financial Supervisory Commission (FSC) of Taiwan and are 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$3 million per depositor. The SWIFT code for the bank is EXIMTWTP and the Legal Entity Identifier (LEI) is 5493003NOCSC6LUWUF03. Eximbank has several branches in Taiwan and representative offices around the world, with a total of approximately 500 employees in 2024.

Deposit & Loan Products

depositsEximbank

offers a wide range of deposit products to meet the savings needs of corporate and individual customers:

• Demand Deposits: Including checking accounts and savings accounts, such as "Eximbank Savings Account", the minimum account opening amount is NT$1,000, and the base annualized rate of return (APY) is about 0.05%-0.3%, and the latest interest rate needs to be confirmed through branch or online banking. The account supports flexible deposits and withdrawals, which is suitable for daily money management.

• Fixed deposits: Support multiple currencies such as NEW TD, USD, and RMB, with deposit terms ranging from 1 month to 5 years, and the minimum deposit amount is NT$5,000. In 2025, the fixed deposit interest rate will vary according to the maturity, such as about 1.225% for 1 month, 1.5% for 3 months, 1.8% for 6 months, 2.0% for 1 year, and 2.5% for 2 years (based on the average interest rate of the five major banks in Taiwan).

• Featured products:

  • High Yield Savings Account: Such as "Eximbank Premium Savings Account", which offers an annualized interest rate of up to 1.5%, requires maintaining a balance of more than NT$100,000, and no monthly fee.

  • Large Certificates of Deposit (CD): Support flexible tenors, suitable for large amount of money customers, the interest rate needs to be queried through the branch or app, and the early withdrawal penalty is 90 to 180 days of interest.
    Customers can check the "Cloud Interest Rate" offer through the "Eximbank e-Finance" app or online banking, and the deposit products can be opened instantly and the interest rate is calculated, and some accounts offer free transaction fees.

LoansEximbank

offers a comprehensive range of loan products with a focus on trade finance and SME support

• trade finance loans: including export credit loans and import financing, with a customized loan size and a repayment period of up to 15 years. In 2025, the interest rate will be as low as 1.5% (based on government policy support), green trade financing discounts will be provided, and the application must have a corporate credit rating of BBB or above and an annual income of more than NT$50 million.

• SME Loans: Support equipment financing and working capital loans, with a loan amount of up to NT$3 million, a term of up to 7 years, an annualized interest rate (APR) of about 2.5%-5%, and a credit score of 660 or above.

• Personal Line of Credit: The loan amount ranges from NT$5,000 to NT$250,000, with a term of 1 to 5 years, an annualized interest rate (APR) of about 5.99%-10%, and the application threshold is a monthly salary of more than NT$30,000 and a good credit history.

• Flexible repayment options: Loans support prepayment without penalty, monthly or bi-weekly repayment plans, and revolving lines of credit for flexible debt management.
  All loans are subject to bank approval, and customers are required to provide credit history, proof of income and asset information, subject to the terms of the loan agreement. The bank's policy-based lending services (e.g., export credit insurance, refinancing facilities) provide additional support to import and export enterprises.

Digital Service

ExperienceEximbank's mobile banking app "Eximbank e-Financial Services" 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 about 4.5 and a Google Play rating of about 4.3, users praise its fast launch (in less than 2 seconds), intuitive interface and multi-language support (Chinese, English). Core features include:

• Face recognition: support for biometric authentication (such as Face ID and Touch ID), combined with 256-bit end-to-end encryption to ensure transaction security.

• Real-time transfer: Support real-time transfer of NTD through the Taiwan interbank transfer system, with a daily limit of up to NT$1 million, international remittance covering more than 100 countries, and cooperate with Western Union 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 inquiries through the investment platform, providing real-time market data and investment advisory services.
  The online banking platform "Eximbank Personal Internet Banking" supports multiple browsers and provides similar functions, allowing customers to open an account in 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. In 2023, about 50% of customers complete transactions through digital platforms, significantly improving the user experience.

Technological

InnovationEximbank is actively exploring in the field of FinTech, leveraging its Information Technology Division to drive digital transformation:

AI customer service: Introduce an AI-driven customer service system to analyze transaction behavior, detect fraud risks in real time, automate 80% of customer inquiries by 2023, and plan to launch a virtual assistant in 2025 to support 24/7 inquiries and personalized financial advice.

• Open Banking API Support: Following the Open Banking Framework of the Financial Supervisory Commission of Taiwan, participating in the third phase of Open Banking, integrating with third-party service providers to provide account management and financial services interoperability, and supporting 35 deposit, credit card, and loan service APIs.

• Blockchain technology: A blockchain-based trade finance platform will be launched in 2023 to simplify the letter of credit process and improve transaction efficiency and security.

• Other innovations: support QR code payment, mobile check deposit, and cooperation with Apple Pay and Google Pay to improve the payment experience; In 2024, it will invest NT$500 million to upgrade cloud technology and data analysis platforms to improve operational efficiency.

Featured Services & DifferentiationEximbank

is known for its trade finance and export credit insurance services:

• export credit insurance: provides political risk (e.g., nationalization, contract breach) and commercial risk insurance for Taiwanese export enterprises, As a member of the Berne Union, the amount of coverage increased by 10% in 2023.

• Trade Finance: Provide letters of credit, bill discounting and refinancing facilities to support countries along the Belt and Road and emerging markets, with trade financing reaching NT$45 billion in 2023.

• Green Finance: Launched green bonds and preferential interest rate loans to support sustainable trade and environmental protection projects, and won the "Taiwan Green Finance Pioneer Award" in 2023 in response to the United Nations Principles for Responsible Banking.

• Policy-based financial support: In close coordination with government policies, low-interest financing is provided for small and medium-sized enterprises and export enterprises, and the balance of SME loans will increase by 12% in 2023.

• Community Contribution: Support education and charity projects through the Eximbank Foundation, donate NT$2 million for community development in 2023, hold financial literacy lectures, and improve the financial literacy skills of business owners and youth.

Market Position & Accolades

Eximbank is a leader in Taiwan's trade finance sector, with total assets of approximately NT$146.93 billion (approximately US$4.99 billion) in 2024, occupying a unique position among 38 banks in Taiwan. The bank serves a wide range of corporate and individual customers, and occupies a leading position in the fields of export credit insurance and trade finance. In 2023, the bank reported an 8% increase in deposit balances, a 6% increase in loan balances, and a non-performing loan ratio remaining below 0.2%, indicating that it is operating soundly. Eximbank's innovations in the field of fintech and green finance have made it competitive in the regional market. Its international business accounts for 15% of total revenue, especially in countries along the "Belt and Road" and emerging markets. Major accolades include:

• 2023 "Best Trade Finance Bank in Taiwan" award.

• 2022 Taiwan Green Finance Pioneer Award.

• 2021 "Best Policy Bank in Taiwan" award.
  Eximbank's policy focus and innovation capabilities make it the backbone of Taiwan's financial market.

SummaryThe

Export-Import Bank of the Republic of China has become a unique pillar of Taiwan's financial market with its 45-year heritage, specialized trade finance services and innovative financial products. It offers a wide range of deposit and loan products to meet customer needs through local branches and digital platforms. The digital service is centered on the "Eximbank e-Financial Services" application, which provides efficient real-time transfer and investment management functions. Technological innovations, including AI customer service, open banking APIs, and blockchain technology, demonstrate the forward-looking nature of its digital transformation. With its export credit insurance, trade finance, green finance and multiple industry accolades, Eximbank continues to demonstrate strong competitiveness and influence in the financial markets of Taiwan and the region.

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