1. Credit Card：
As of December 2023, thirty-two credit card issuing institutions were in operation in Taiwan. The number of effective cards totaled 58.12 million (57.96 million at the end of November 2023) among which the total active cards numbered in 37.77 million (37.64 million at the end of November 2023). The balance of revolving credit was NT$106.2 billion (NT$104.4 billion at the end of November 2023). The amount of undue balance of installment was approximately NT$199.5 billion (NT$207.8 billion at the end of November 2023). The amount of monthly retail sales was approximately NT$345.7 billion (NT$366.7 billion for November 2023). The amount of monthly write-off was approximately NT$ 0.53 billion (NT$ 0.45 billion for November 2023). Average ratio of delinquency credit (pass-due over three months) against account receivables (including non-accrual amounts) was 0.24% (0.22% at the end of November 2023) (Please see Attachment 1).
2. Cash Card：
As of December 2023, thirteen financial institutions were engaging in cash card business in Taiwan. Total number of effective cash cards was 0.3 million (equivalent to the number of November 2023). Total balance of cash card loans (including non-accrual amounts) was NT$11 billion (NT$10.9 billion at the end of November 2023). The amount of monthly write-off was approximately NT$0.03 billion (NT$ 0.02 billion for November 2023). The overall delinquency ratio was 1.2% (1.247% at the end of November 2023 ) (Please see Attachment 2).
3. Electronic Payment Institutions Business：
As of December 2023, there were ten specialized electronic payment institutions, and twenty electronic payment institutions were concurrently engaging in other businesses (included dual-status banks, Chunghwa Post Co, Ltd, and electronic stored value cards issuers).
(1) Stored Value Card：
The number of effective cards totaled 176.28 million (174.5 million at the end of November 2023). The number of cards in using was 14.09 million (13.35 million for November 2023). The amount of monthly retail sales was approximately NT$6.68 billion (NT$6.39 billion for November 2023). The balance of stored value was NT$ 13.97 billion (NT$ 13.96 billion at the end of November 2023) (Please see Attachment 3).
(2) Electronic Payment Account：
The number of users totaled 27.13 million (26.79 million at the end of November 2023). The monthly amount of funds collected & paid as an agent for real transactions was NT$14.76 billion (NT$15.44 billion for November 2023). The monthly amount of funds for engaging in domestic & foreign small-amount remittance business was NT$14.13 billion (NT$13.37 billion for November 2023). The monthly amount of stored value funds was NT$26.44 billion (NT$25.68 billion for November 2023). The balance of the e-payment accounts in the e-payment institutions totaled NT$14.02 billion (NT$13.12 billion at the end of November 2023) (Please see Attachment 4).
4. The measurement indicators for cashless payment transactions：
The number of non-cash payment transactions was 6.912 billion, and the total non-cash payment transaction amount was NT$7.27 trillion in 2023.
5. Attachments 5 to 8 please see the major business information concerning credit cards, cash cards and electronic payment institutions business as of December 2023.