E.SUN Commercial Bank
E.SUN Commercial Bank, Ltd. (Commonly known as E.SUN Bank, E.SUN, ) is a Taiwanese bank headquartered in Taipei, Taiwan. E.SUN Bank was founded in 1992 by Mr. Yung-Jen Huang, the current chairman of E.SUN financial holding company. Responding to the surging Asia market and trend of financial innovation, E.SUN Bank is focus on its priority markets in Asia, Australia, and US, with 139 branches in Taiwan and 28 branches and subsidiaries in 9 countries and jurisdictions as of December 31, 2020. Artificial intelligence and digitalization has been applied to each aspect of its business, including credit card  fraud detection, product recommendation, auto personal loan, etc. E.SUN is committed to ESG by contributing its core competencies in areas such as corporate governance, customer service, employee care, environmental sustainability, and community involvement. By delivering a significant contribution in ESG performance, E.SUN is listed in Dow Jones Sustainability Index (DJSI) for 7th consecutive year in 2020, and ranked 4th in the Asian banking industry, 6th in banking industry of the world. In 2020 E.SUN was noted for their effective response to the COVID-19 outbreak. Financial Performance. E.SUN Bank's overall profit after tax in 2020 reached NT$16.465 billion. The EPS , ROE, and ROA were NT$1.43, 9.45% and 0.61%, respectively. The overall business maintained steady growth. In 2020, the growth rates of total loans and total deposit were 12.3% and 19.4%, respectively. Loan growth was achieved while maintaining sound asset quality. The NPL ratio was 0.19%. The NPL coverage ratio was 656.3%.