The Chiayi Bank headquarters is a typical "Wa-Yo Setchu" (Japanese-Western eclectic) style building from the early Japanese colonial period. It features a hip roof with Japanese black tiles and shallow eaves. The eave ends reveal decorative bands characteristic of Western architecture. The building also includes "sash windows," commonly seen in modern Western architecture. The hip roof allows for water drainage in four directions, making it resistant to strong winds and heavy rain, a style prevalent in Japanese official residences in Taiwan. The building's exterior is English-style cladboard, which are wooden planks stacked with their cut edges facing downward. This design, suited to Taiwan's rainy climate, protects the walls from rainwater infiltration, providing rain and moisture resistance.
