Advancing the Fulfillment of Sustainable Finance
深化落實永續金融

To enhance environmental and social (E&S) risk management along with the global financial industry and to assist corporate partners moving towards sustainable operation, Hua Nan Commercial Bank of Taiwan (HNCB) officially announced that it has adopted the Equator Principles on June 15, 2022 and has become one of the global Equator Principles Financial Institutions (EPFIs) by joining the Equator Principles Association. In the future, HNCB will work together with corporate partners to fulfill the spirit of ESG and sustainable finance through incorporating the Equator Principles into its credit management system.
為與國際趨勢接軌及達成財政部對公股金融事業ESG倡議平臺之簽署赤道原則目標，華南銀行於111年6月15日正式加入赤道原則協會，成為自願簽署之全球性會員銀行之一。與金融同業共同努力強化環境與社會領域風險管理，並協助企業夥伴持續邁向永續經營，未來華南銀行將透過推行赤道原則，協助企業夥伴實踐環境、社會、治理 (ESG)精神並持續落實永續金融。

The Equator Principles is a risk management framework, adopted by financial institutions, for determining, assessing and managing environmental and social risk in projects and is primarily intended to provide a minimum standard for due diligence and monitoring to support responsible risk decision-making. HNCB has formulated “Sustainable Lending Principles” to incorporate ESG-related considerations into the lending process, and made a negative list of loan customers. HNCB would only undertake loans which have been evaluated as posing no adverse effects on ESG development. After joining the Equator Principles Association, HNCB will assess the E&S risks of project financing and project-related corporate loans, and conduct regular follow-up monitoring to avoid causing major risks to the environment and the society.
赤道原則為國際金融機構對環境與社會風險進行辨識、評估與管理的風險管理架構倡議，目標提供盡職治理的最低標準並促進負責任的風險決策。華南銀行已訂定「永續授信原則」，將ESG因子列為授信風險評估項目，並訂定負面表列授信對象，以避免承作對環境或社會永續發展不利之企業授信業務。華南銀行正式簽署成為赤道原則會員後，將評估企業授信案件之環境與社會風險，再由銀行進行後續定期的監測控管，避免資金用途對環境與社會產生重大風險。

Climate change has posed more and more severe risks to the industries, and has become a challenge to corporates around the world. Thus, it is important that the financial industry make an influence of capital and be the driver for industrial transformation. HNCB is committed to connecting domestic enterprises to global network and achieve innovation and industrial transition. Hence, it continues to promote products such as ESG index linked loans, green financing, 5+2 innovative industries plan lending, green bonds, and increases investments in green industries. As of the end of April 2022, the balance of investment in green bonds has reached NTD 12.6 billion, and the balance of loan in green industries has reached NTD 360 billion. HNCB continues to lead the industry to jointly direct capital to companies that are conductive to environmental and social development through syndicated loans. Since 2021, HNCB has undertaken more than 20 project finance deals related to sustainable development with an amount of more than NTD 30 billion. In recent years, HNCB has actively exerted the value of sustainable finance. In addition to winning the "109 National Sustainable Development Award - Enterprise Category," HNCB also won the "2021 Excellent Financial Service Award," the highest honor of solar photovoltaic, becoming the first state-owned banks to be awarded.
氣候變遷對社會經濟造成的風險日益嚴峻，已成為全球各產業都必須面臨的挑戰，而金融業更應發揮金融業者資金影響力，成為產業轉型的助力。透過持續推動ESG指標連結貸款、綠色融資、「5+2」新創重點產業專案貸款、增加綠色節能環保產業及綠色債券投資與發行綠色債券等，華南銀行積極配合政府政策，致力於帶領國內企業與國際接軌，達到創新及產業轉型。截至111年4月底，投資綠色債券餘額達126億元，綠色產業放款餘額約達3,600億元；並持續以聯貸方式引領同業共同將資金導入永續相關領域，110年至今，已承作逾20件永續發展聯貸案，金額達300億元以上。華南銀行近年積極發揮永續金融價值，除獲得「109年國家永續發展獎-企業類」殊榮外，110年度更榮獲太陽光電最高榮譽光鐸獎「優良金融服務獎」肯定，成為獲頒該獎之首家公股行庫。

Joining the Equator Principles Association is an important milestone for HNCB on our way to sustainable development. In the future, HNCB will actively align with the global trends in sustainable finance, and keep up with the spirit of integrity, enthusiasm, and innovation. In addition to achieving the sustainable development of the banks’ operation, we will further guide the industry to gradually carry out low-carbon transition, enhance industrial resilience, and bring positive value of sustainable inheritance to the society with our professional financial services.
簽署加入赤道原則協會為華南銀行邁向永續發展之重要里程碑，未來華南銀行也將積極接軌國際永續金融趨勢，並秉持信賴、熱誠及創新之經營理念，除了達到自身營運之企業永續發展，將更進一步運用金融專業服務引導產業逐步進行低碳轉型，提升產業韌性，為社會帶來永續傳承之正面價值。

Equator Principles Association赤道原則協會網站