2016csr_內文＿OK.pdf

Corporate Social Responsibility Report 2 0 1 6

02 04 07 08 20 36 50 60 82 112 114 10 14 22 26 28 30 38 47 52 58 64 74 78 84 94 GRI Contents

2016 02

(financial inclusion) 5% (World Economic Forum) 2016 5+2 (FinTech) 2016 ISO 14001 ISO 14064 BSI ISO 50001 2017 5 03 Corporate Social Responsibility Report 2016

2015~2016 2 5% 2015~2016 2 100 SnY 4 10 82.6% 21,484 27,540 5 2016 ITeS Award - 2016 8,387 2016 04

3 100 3-420,596 7,098 5+2 3,555 2,000 2016 25.9% 22.6% 12 131.8 2016 5,479 280 05 Corporate Social Responsibility Report 2016

2016 06

(stakeholders) 2016 1 1 2016 12 31 2017 10 6 (CSR) Economic Social Environmental 2014-2016 3 ISO (Global Reporting Initiative, GRI) GRI 4.0( G4) G4 (limited assurance) 2016 10 2017 11 +886 2 23713111 : 6308 +886 2 87291943 www.hnfhc.com.tw public@hnfhc.com.tw 123 23 07 Corporate Social Responsibility Report 2016

2016 08

09 Corporate Social Responsibility Report 2016

2001 12 19 100 2013 2017.6.30 2016 10

1 186 45 40 1 1 AMC 1 13 1 1 11 Corporate Social Responsibility Report 2016

2016 ( )10,132,900 2016 : AMC 8 13 5 13 1 1 1 0 2 0 3 3 5 8 2016 12

2016 1. 2014 2015 2016 38,8,817 17,0,038 39,565 65,414 42,232 32,4,422 2014 2015 2016 2, 259, 951, 1,64 646 2,35 350, 288, 8, 574 2,54 545, 5, 94 1,96 962 2014 2015 2016 143, 3,94 940, 0,04 047 153, 3,06 069, 9,32 327 158, 983, 270 2014 2015 2016 5, 783, 342 6,33 339, 9,39 397 6, 240,972 2014 1,873, 3,333 2015 2016 2,545,063 2,769, 662 * 2016 * 90% 13 Corporate Social Responsibility Report 2016

2. 5+2 2017 6 14 CSR AMC ISO 14001 BSI ISO 14064 BSI 2014 >>2015 >> 2016 >> 2016 14

企業社會責 責任委員會 本集團順應政 政 府 財經 經 政 策 發 展 方 向 努力提高各 本集團設立企業社會責任委員會 由董事長擔任召 項金融商品及業 業 務 的 品 質 以 提 供 工 商企業 業及社 集人 由上而下推動企業社會責任之履行 該委員 會 大 眾完善的金 金 融 服 務 發 揮 促 進 產業 業 經 濟 發 會之主要職掌包括 規劃本集團為履行企業社會責 展及增進社 社 會 大 眾 福 祉 的 功 能 並 並秉持核心價值 任應採取之重大策略 督導企業社會責任執行情形 H HEART 誠 信 (Honesty) 效 率 (Effficiency) 及檢討成效 督導規劃及審定年度企業社會責任報 主 動 (Activenesss) 責 任 (Responsibilityy) 合 作 告書 有關企業社會責任相關規章及重大事項之審 (Teamwork 致力提升經營績效 保障客戶權益及 定或備查 其組成如下圖所示 創造股東價值極大化 化 建立永續經營的金融集團 華南金融集團企 企業社會責任 任委員 員會組織圖 召集人 人 副召集人 副召 副召集 人 委員 員 金控董事 事長 事 長 金控副董 金控 副董事長 副董 董事長 長 金控暨 控暨子公 子公司總 子公 司總經理 司總 經理 公司 司治理 治理小組 小組 客戶權益 權益 益小組 小組 員工關懷小組 組 環境永續 永續小組 小 小組 社會 社 會參與 與小組 股 權益 股東 商品責任 責任 任 員工 工薪酬 薪酬 及福利 及福利 環境保護 環境 保 保護 社區關懷 社區 關懷 綠色採購 公益活動 公益 活動 辦公 辦 公場所 場 能源管理 能源管 體育發展 體育 發展 董 會運作 董事 客戶權 權益 誠信經營 誠信 經 客戶服務 服務 務 風險管理 風險 管理 客戶個資 客戶 資保護 護 法令遵循 法令 遵循 員工培訓 培訓 職能管理 職能 勞資溝通 勞資 溝通 資訊 訊揭露 各小組成員由 各小組 成員由金控暨 金控暨子公司 子公司代表組 代表組成 設 成 設召集人 召集人及總幹 及總幹事各乙 事各乙名 負 名 負責督導 責督導 導及綜 及綜理小組事務 15 Corporate Social Responsibility Report 2016

2016 Step 1 Step 2 Step 3 Step 4 GRI G4 20 20 133 8 CSR CSR CSR 2016 2016 16

G4 V V V V V V V V V V V V V V - V V - 17 Corporate Social Responsibility Report 2016

1. 2. 3. 4. DM 5. 1. 2. 3. 4. 1. 2. 3. 1. 2. 3. 2016 18

1. 2. 1. 2. 1. 2. 3. 1. 2. 3. 4. 19 Corporate Social Responsibility Report 2016

2016 20

21 Corporate Social Responsibility Report 2016

Governance, Risk Management, Compliance, GRCART 2016 / 5% 100 2016 22

( Advantage Risk Technology ) Risk 2014 20% 2015 5% 100 2016 843 5% / 19 4 2016 17 90% 4 21% 3 ( ) ( ) 23 Corporate Social Responsibility Report 2016

* 11 2 3 1 11 * 40 ~50 50 ~60 60 7 5 7 2011 4 2 2016 10 98% 2013 2016 7 100% 2016 2016 24

2016 2 100% 1. 2. 3. 4. 5. 1. 2. 3. 4. 5. ( ) 1. 2. 3. 4. 5. 6. 7. 8. 9. 1. 2. 3. 4. 5. 6. 7. 8. 25 Corporate Social Responsibility Report 2016

1. 2. 3. 4. 5. 6. 7. 8. 1. 2. 3. 4. 5. 1. 2016 26

2. 3. 4. 5. 6. 2016 ( / ) :Integrity@hnfhc.com.tw : 02-8729-1919 2016 0 2016 : 6 3 2 1 27 Corporate Social Responsibility Report 2016

28 2016

1. 2. 3. 4. 5. : 29 Corporate Social Responsibility Report 2016

1. 50% 2016 30

2. (1) (2) 1. 2016 2017 1 31 Corporate Social Responsibility Report 2016

2. 1 / : AML / 1. 2016 32

1. 2. 3. 4. 1. 2. 3. 4. 5. 6. 7. 3. 2016 2017 6 70 33 Corporate Social Responsibility Report 2016

4. : 1. : 1. 2016 2. 2017 3 1 2. 3. 4. 2017 12 31 CAMS 5. 2016 34

2016 105 3 8 10400271101 300 1. 2. 3. 4. 105 11 8 10560005321 800 1. 2. 3. 4. 5. 6. 7. 8. 9. 100 35 Corporate Social Responsibility Report 2016

2016 36

2016 37 Corporate Social Responsibility Report 2016

2016 / 2016 Future Commerce Award ITeS Award - 2016 ITeS Award 2016 38

2016 2016 5 21 3.0 27 39 Corporate Social Responsibility Report 2016

10 ( UBI ) 1. (1) A. 2012 2014 2016 8 12 15 2017 2 45 B.2017 a. b. c. (2) 2016 40

(1) (2) (straight through processing) (3)TWID (4) APP APP ( ) Google Facebook Facebook Google ( ) 2. (1) QRCode 2017 QRCode QRCode 2017 9 (2) 2016 8 HNote 2016 9 2017 7-41 Corporate Social Responsibility Report 2016

3. (1)SnY 2016 SnY BANK3.0 4 10 (2) ( ) 2015 9 2016 8 2017 5 24 2017 7 1,204 (3) Facebook Youtube Instagram 2016 22 25-34 2016 7 12 SnY SnY 15% (1) ecover Responsive Web Design RWD ecover App (2) ecover ISO 27001 (3) 2016 42

43 (1) Line Line 2 Line Facebook ( / ) / - 2015 8 7,141 Facebook po Youtube 2016 350 1,729 35 (2) e 2016 10 23 Line@ 4. AI + 2013-5. 2016 FinTech Corporate Social Responsibility Report 2016

2014 2015 2016 77.2% 78.3% 79.7% ( ) 82.0% 83.1% 84.3% 57.9% 62.0% 67.9% 11.3% 13.3% 8.2% 44.4% 58.8% 59.7% 73.5% 75.2% 77.3% ( ) 79.5% 81.0% 82.6% active users 2015 2016 (%) 24.18% (%) 25.56% / 1,524,418 / 6,303,578 / 1,661,259 / 6,474,997 2016 44

Fintech 2016 6 22 2017 6 5 APP APP ibeacon ibeacon ITM PTM / App QRcode QRcode ibeacon 24 (AT M) ( ) 2016 6 45 Corporate Social Responsibility Report 2016

& 2016 2017 2016 2017 2017 5 20 2017 APP ( ) YAHOO 1. 2. 3. 4. 5. 6. 1. 2. 3. 2016 46

2016 10 5 (F-ISAC) ISO27001 (1) ( ) (2) (3) 2016 12 7 2017 47 Corporate Social Responsibility Report 2016

(F-ISAC) 2016 48

ISO AMC ISO 20000 V NA ISO 27001 V V V V V NA V BS 10012 V V NA V : 2016 21,484 27,540 2016 49 Corporate Social Responsibility Report 2016

2016 50

2016 51 Corporate Social Responsibility Report 2016

2016 / - - - - - - - 2016 52

360 2016 6 (ITM) / 2016 10 e IVR 2016 3.0 Email 2017 53 Corporate Social Responsibility Report 2016

1. 2016 2015 2016 ( ) 85.57% 87.07% ( ) 96.30% 96.20% ( ) 92.54% 94.02% 2016 54

2. ( 1,100 ) 2015 2016 86.18 87.50 ( ) 1. ( ) ITM 55 Corporate Social Responsibility Report 2016

2. 3. : 1. 2. 3. : : 2016 56

: 1. 2. 3. ( ) 57 Corporate Social Responsibility Report 2016

2016 2016 7 16 8 24 2016 7 120 11 233 2016 35 306 2016 10 136 2016 4 1 (Financial inclusion) 2016 58

1. 2016 12 26 0.25 2. 2016 12 192 7.6 3. 2016 12 422 4. (20 65 ) (45 65 ) (20 65 ) 2016 12 0.43 2016 8,387 2016 2,259 ATM 2016 ATM 476 4 App (Web Chat App Chat) 42 59 Corporate Social Responsibility Report 2016

2016 60

61 Corporate Social Responsibility Report 2016

100 2014 2016 / 100-39 & 2016 2015 2014 2016 62

2016 2016 10 2 63 Corporate Social Responsibility Report 2016

2016 ( ) ( ) 2016 30 31-50 51 30 31-50 51 * 73 0 6 1 0 5 0 12 16.44% 6,953 129 107 1 98 94 1 430 6.18% 1,404 20 45 3 21 44 4 137 9.76% 956 59 24 1 49 18 0 151 15.79% 68 0 6 0 0 2 0 8 11.76% 11 0 0 0 0 0 1 1 9.09% AMC 35 0 0 0 0 0 0 0 0.00% 9,500 208 188 6 168 163 6 739 7.78% * :2016 /2016 12 31 2016 64

1. ( ) A.A. 2015 2016 % 7,805 7,894 1.14% $940,064 $945,300 0.56% 1 $250,568 $264,186 5.43% $1,190,632 $1,209,486 1.58% 1 2010 2017 10% B. 1. 2. 3. 4. 5. 6. ( ) 7. ( 14 ) 8. 9. 10. 65 Corporate Social Responsibility Report 2016

B. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. ( ) 11. 12. ( 14 ) 1. 2. 3. 4. 5. ( - ) 6. ( ) 1. 2. 3. ( ) 4. 5. 1. 2. ( ) 3. 4. 2016 66

B. AMC 1. 2. 3. 4. 5. 6.1 1. 2. 3. 4. 5. ( ) 6. 1 2017 2 9 5 (2017.9.1 ) 2 2017 (2017.10.22 ) 3 2017 2 9 5 (2017.8.29 ) 2016 2016 (A) 2016 (B) 2015 (C) 2015 (D) (B/A) (D/C) 0 0 0 0 2 0 2 0 N/A 100% 84 9 78 7 61 6 58 7 91% 97% 8 1 5 1 6 0 2 0 67% 33% 8 0 6 0 6 0 6 0 75% 66% 2 0 2 0 1 0 0 0 100% 0% 102 10 91 8 76 6 68 7 88% 91% * AMC 2016 * 67 Corporate Social Responsibility Report 2016

1. 2017 2017 5 1. 2. 3. 22 24 30 : 2016 12 23 2017 1 1 2016 68

2. 2016 100% 2016 1. ( ) 2. ( ) 3. 3. 4 1. 2. 3. 4. 5. 6. 2017 1 1 4 2015 2016 100 2 ( 2016.02.26 ) 69 Corporate Social Responsibility Report 2016

AMC 1. 2. Email AMC 12 2014 2015 2016 2016 (%) 87.02% 86.43% 85.65% 75% 93.35% 93.84% 93.34% 75% 92.69% 91.83% 93.41% N/A 93.48% 91.89% 91.55% N/A - - 82.12% N/A (%) 91.64% 91% 91% N/A * (%) : (100%) 100% 100% 100% 2016 70

2016 : 2016 25 * 5,508 : :2016 5533/9,500=58.24% 2016 30 31-50 51 30 31-50 51 * 73 0 0 0 0 0 1 1 1.37% 6,953 46 64 58 18 47 74 307 4.42% 1,404 18 68 21 14 66 28 215 15.31% 956 23 31 4 23 23 5 109 11.40% 68 1 6 0 0 3 1 11 16.18% 11 0 0 0 0 0 1 1 9.09% AMC 35 0 0 0 1 1 0 2 5.71% 9,500 88 169 83 56 140 110 646 6.8% * : * :2016 /2016 12 31 71 Corporate Social Responsibility Report 2016

1. ( ) (Contact Taiwan) ( ) ( ) (Contact Taiwan) ( ) ( ) * 40 33 0 0 40 33 73 4,073 2,779 32 69 4,105 2,848 6,953 916 485 0 3 916 488 1,404 523 432 0 1 523 433 956 46 22 0 0 46 22 68 4 7 0 0 4 7 11 AMC 21 14 0 0 21 14 35 5,623 3,772 32 73 5,655 3,845 9,500 * : * 2016 12 31 2016 72

2. 2016 10 6 ( 3 ) 13 2 1 4 9 : 2016 AMC FinTech ( ) 73 Corporate Social Responsibility Report 2016

2016 1. (12 /1 ) 2. (18 /3 ) 3. (15 /3 ) 4. (15 /2 ) 5. (12 /1 ) 1. 2. 15 3. 24 4. 12 5. 6 2 6. 7. 2016 74

AMC 30 12 1. 12 2. 6 3. 12 4. 3 18 5. 3 18 14 3 18 3 2016 301.7 275.5 33.52 21.92 406.5 405.5 13.11 20.28 1,191,713 16,324 40,046 29,238 58.72 51.38 177,667 121,345 51.90 53.24 62,153,631 8,939 1,945 1,690 18.70 13.52 12,478 4,101 15.37 11.30 2,918,936 2,079 4,828 5,531 30.17 31.25 10,048 7,579 29.12 32.39 4,105,940 4,482 246 121 20.50 20.17 731 293 21.50 18.31 327,450 4,815 AMC 455.5 120 50.60 40.00 416 328.5 34.70 32.90 280,395 8,247 249,568.7 171,027.5 70,978,065 * 75 Corporate Social Responsibility Report 2016

FinTech 2016 2017 - FinTech 2016 2015 2016 21 30 2016 76

: : 2016 1-2- 3-4- 77 Corporate Social Responsibility Report 2016

2016 653 2,321 AED CPR 2014-2016 2016 2016 78

: CPR( )+ (AED)+ ( : ) 79 Corporate Social Responsibility Report 2016

2016 ( ) 2016 :? ( ) AMC : 2016 80

2016 1 2 3 24 0 724 1.69 51.13 1 0 130 0.35 46.29 8 1 6,068 4.937 3,328.77 1: = 2: (FR) : *10 6 / 3: (SR) : * 10 6 / 2016 6,199 9,853 16,052 1,415,250 959,750 2,375,000 0.44 1.03 0.68 81 Corporate Social Responsibility Report 2016

2016 82

83 Corporate Social Responsibility Report 2016

2016 / 2016 84

85 Corporate Social Responsibility Report 2016

1. 2016 2% PDCA (Plan- Do- Check- Action) ISO 50001 2. 2016 1 ( ) 2015 2016 573,945 2.8% 172 350 1,800 4.7 2016 86

3. 2007 WWF 172 7,000 2013 5 2014 (1,284 44.94 ) 2 ( 23 ) 10:30 2015 10 2016 3 20:30-21:30 A :17:30( )~19:30 B 19:30~22:30 18:00 ( )~19:30 87 Corporate Social Responsibility Report 2016

4. 2016 (ISO 14001) (ISO14064-1) ISO 14001 2016 ISO 14064-1 2016 A. ( ) 6,000 5,000 4,000 3,000 2,000 1,000 3,857.6 33.4 32.3 3,839.3 3,840.4 33.2 0 0 2012 2013 2014 2015 2016 2012-2016 2012-2016 38.8 41.1 4,873.7 4,697.0 45 40 35 30 25 20 15 10 5 1 2 2016 2015 3 2016 2015 ( ) 2016 88

B. ( ) ( CO 2 e) 90,000 200 80,000 70,000 60,000 50,000 40,000 30,000 20,000 10,000 0 77,879 71,130 47,217 49,002 2013 2014 2015 2016 180 160 140 120 100 80 60 40 20 0 111 116 168 184 2013 2014 2015 2016 ( ) ( CO 2 e) 9,000,000 8,000,000 8,943,176 8,900,726 5,000 4,500 4,7 4722 4,7 4708 7,000,000 4,000 6,000,000 5,000,000 4,000,000 5,613,121 5,676,086 3,500 3,000 2,500 930 2,957 3,000,000 2,000 2,000,000 1,500 1,000,000 0 2013 2014 2015 2016 1,000 500 0 2013 2014 2015 2016 (2015 2 ) 2016 2017 ISO 14064-1 89 Corporate Social Responsibility Report 2016

C. ( ) 35 30 25 31.0 31.5 31.9 20 15 10 18.0 20.0 5 0 2012 2013 2014 2015 2016 2012-2016 : 2016 2016 D. 2016 / /IT ( ) 39,782 4,838 2,592 1,498 150,480 1,280 - - - - 4,499 300 900 300 62 45,561 5,138 3,492 1,798 150,542 : ( ) 2016 90

5. 205,436,977 6. 2017 6 30 337 2015 20 30% ( 70 ) 19.49% 8 2,000 CO2 42.72 1 (CSR) 5+2 91 Corporate Social Responsibility Report 2016

1. ( / / ) 2017 7 8,648 648 2 1,622 117 14,782 1,671 2 2016 12 199 108 5+2 5+2 5,000 5+2 5+2 5+2 35 5+2 5+2 35 (OTO) 5+2 2016 92

5+2 648 1,426 196 1,565 117 1,142 1,671 2017/07/31 1.3 11% (12%) LED(36%) (10%) (37%) (5%) 2. 2007 3. / 2016 12 7 0.4 1,935 1,259 125,896 4. 2016 1,325,572 3,657,027 24,868KgCO 2 e 3 1 0.6 438 4 2015 2016 25.9% 22.6% 3 1.5~3 A4 A4 0.0068kgCO 2 e( : ) 4 1 A4 4 6 A4 25 5,000 24 12 15 20 40 1 24 40 0.6 ( : - ) 93 Corporate Social Responsibility Report 2016

20 5P 2017 1. 28.29 30 2016 94

A. 921 96 7 61 93 6 15 3 75 B. 1,200 76 185 26 500 C. 2016 OPUS ONE 11 19 5 150 70 2017 7 28 228.9 12 131.8 2. 1. 2014 9 30 2017 6 29 7 5 12 15 7,400 156 (Uptime Institute Tier Rating system) Tier3 2. 95 Corporate Social Responsibility Report 2016

3. 1975 40 2016 35 (207 ) 2016 ( ) 727 2017 2 33 (215 ) 2014 2016 ( ) 2016 8 2016 7 2017 6 27 2,554 19 1. 2016 67 2016 96

2. 2016 2,000 2017 3 5 10 1. 2. 2017 2 13 200 20 97 Corporate Social Responsibility Report 2016

2016 / 2016-2016 2016 ( ) 2016 98

2016 54,792,558 280 2016 54,792,558 20,350,000 37% 36% 27% 19,876,558 14,566,000 99 Corporate Social Responsibility Report 2016

2012 2016 30 20 200-2016 100

( ) ( ) ( ) 2015 3 ( ) 21 101 Corporate Social Responsibility Report 2016

2012 2016 3 19 5 7 7 2 2016 2016.05.13 ( ) ( ) 2012 2014 5 17 2016 102

( ) 100 ( ) 103 Corporate Social Responsibility Report 2016

2016 4 16 300 2017 6 14 2016 104

2015 40 1.2 2016 200 ( ) ( : ) 2016 13 105 Corporate Social Responsibility Report 2016

( ) 2016 7 60 3 2016 106

2007 2016 100 100 - ( ) 107 Corporate Social Responsibility Report 2016

( ) 2012 2017 2016 ( 5) ( 4) 105 18 WBSC 10 2016 LLB 8 2016 LLB 20 2016 108

105 ( ) 368,188 ( 6) ( 7) 2011 2016 105 ( ) 36 1924 2010 2016 2015 109 Corporate Social Responsibility Report 2016

2016 8 5 9 ( ) ( ) 2016 8 6 11 27 2016 12 4 ( ) 2016 2016 5 6 5 28 2016 110

2016 2 6 2016 7 8 17 2016 6 2016 2016 8 24 2016. (Grameen Bank) 2006 2015 111 Corporate Social Responsibility Report 2016

2016 112

113 Corporate Social Responsibility Report 2016

GRI4.0 GRI 4.0 G4-1 3 G4-3 10 G4-4 10 G4-5 10 G4-6 11 G4-7 10 G4-8 11 G4-9 10 G4-10 72 G4-11 71 G4-12 G4-13 91 2016 G4-14 28 G4-15 G4-16 12 12 G4-17 10 G4-18 G4-19 G4-20 G4-21 16 16 17 17 2016 2016 G4-22 2016 G4-23 2016 2016 114

GRI 4.0 G4-24 18 G4-25 16 2016 G4-26 18 G4-27 17 G4-28 7 G4-29 7 G4-30 7 G4-31 7 G4-32 GRI 7 112 G4-33 7 G4-34 23 G4-56 26 DMA G4-EC1 13 2016 DMA 99 G4-EC7 98-111 G4-EC8 98-111 G4-LA1 71 64 2016 G4-LA2 65-67 G4-LA3 67 2016 115 Corporate Social Responsibility Report 2016

DMA DMA 78-80 G4-LA6 81 DMA 74-77 G4-LA9 75 G4- LA11 68-69 DMA 72 G4- LA12 72 DMA 69-70 G4- LA16 69-70 G4-SO1 94-96 FS14 58-59 FS15 56-58 DMA 26-27 G4-SO4 26-27 31 DMA 30-34 G4-SO8 35 G4-PR4 35 G4-PR5 54-55 G4-PR7 35 DMA 49 G4-PR8 49 2016 116

DMA DMA 30-34 G4-PR9 35 FS7 FS8 94-97 91-93 DMA 86 G4-EN3 88 G4-EN5 88 G4-EN7 91-93 G4-EN8 90 DMA 88 G4- EN15 89 G4- EN16 89 DMA 91-93 G4- EN27 91-93 DMA 35 G4- EN29 35 DMA 91 G4- EN31 91 117 Corporate Social Responsibility Report 2016

91-97 65 1 2016 12 192 7.6 59 2016 12 2 2016 35 (207 ) 2016 ( ) 727 96 2016 2016 2016 : N/A 2016 2016 : 91% 3 : 67% : 75% 67 : 100% : N/A : N/A 4 2016 12 199 108 92 2016 12 5 2016 2,259 59 2016 2016 2016 118

6 2016 54,792,558 99 2016 7 : 2016 7 120 11 233 58 8 : 2016 35 306 58 22 23 9 : 2016 10 136 58 23-1 10 : 2016 4 1 58 23-1 11 2016 1,325,572 93 2016 119 Corporate Social Responsibility Report 2016