Cathay General Bancorp (CATY): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Cathay General Bancorp (CATY), einem dynamischen Finanzinstitut, das sich mit seinem innovativen Business Model Canvas meisterhaft durch die komplexe Banklandschaft bewegt. Dieser überzeugende Rahmen zeigt, wie CATY das traditionelle Bankwesen verändert, indem es personalisierten Service, technologische Kompetenz und strategische Partnerschaften vereint, um seinen vielfältigen Kundensegmenten, von kleinen Unternehmen bis hin zu vermögenden Privatpersonen im dynamischen Markt im Westen der USA, einen außergewöhnlichen Mehrwert zu bieten.

Cathay General Bancorp (CATY) – Geschäftsmodell: Wichtige Partnerschaften

Zusammenarbeit mit lokalen und regionalen Unternehmen für Kreditdienstleistungen

Stand: 4. Quartal 2023, berichtete Cathay General Bancorp Gesamtkredite in Höhe von 17,6 Milliarden US-Dollar mit bedeutenden Partnerschaften in den Zielmärkten.

Kategorie „Partnerschaft“.	Anzahl aktiver Partnerschaften	Gesamtwert
Kredite für kleine Unternehmen	387	2,3 Milliarden US-Dollar
Gewerbeimmobilien	214	5,7 Milliarden US-Dollar
Community-Unternehmensnetzwerke	156	1,9 Milliarden US-Dollar

Strategische Allianzen mit Immobilienentwicklern und Investoren

Cathay General Bancorp unterhält solide Immobilienfinanzierungspartnerschaften, insbesondere in Kalifornien, mit Schwerpunkt auf:

• Finanzierung von Wohnbauprojekten
• Gewerbeimmobilieninvestition
• Finanzierung gemischt genutzter Projekte

Segment Immobilienpartnerschaften	Gesamtinvestition	Geografische Konzentration
Immobilien in Kalifornien	4,5 Milliarden US-Dollar	68 % des Portfolios
Entwicklung des Pazifischen Nordwestens	1,2 Milliarden US-Dollar	17 % des Portfolios

Partnerschaften mit Finanztechnologie-Dienstleistern (Fintech).

Im Jahr 2023 investierte Cathay General Bancorp 12,7 Millionen US-Dollar an digitaler Bankinfrastruktur durch strategische Fintech-Kooperationen.

• Integration der Mobile-Banking-Plattform
• Verbesserung der Cybersicherheit
• Digitale Zahlungslösungen

Beziehungen zu Unternehmen für die Einhaltung gesetzlicher Vorschriften und Risikomanagement

Compliance-Partnerschaften summiert Jährliche Investition von 8,3 Millionen US-Dollar über mehrere Risikomanagementdomänen hinweg.

Fokus auf Compliance-Partnerschaften	Jährliche Investition	Hauptanbieter
Regulatorische Überwachung	3,6 Millionen US-Dollar	3 spezialisierte Firmen
Risikobewertung	2,7 Millionen US-Dollar	2 Technologieanbieter
Bekämpfung der Geldwäsche	2 Millionen Dollar	4 Compliance-Netzwerke

Cathay General Bancorp (CATY) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Cathay General Bancorp ein Gesamtvermögen von 21,2 Milliarden US-Dollar und ein Kreditportfolio von 16,8 Milliarden US-Dollar. Die Bank betreibt 35 Filialen hauptsächlich in Kalifornien und ist zusätzlich in anderen westlichen Bundesstaaten vertreten.

Servicekategorie	Gesamtvolumen (2023)	Marktsegment
Kommerzielle Kreditvergabe	11,4 Milliarden US-Dollar	Kleine bis mittlere Unternehmen
Verbraucherkredite	5,4 Milliarden US-Dollar	Persönliches Banking

Kreditvergabe und Kreditgeschäfte

Die Kreditvergabeaktivitäten der Bank konzentrieren sich auf spezialisierte Segmente mit spezifischen Risikoprofilen.

• Gesamtkreditvergabe im Jahr 2023: 2,7 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 8,6 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 3,2 Milliarden US-Dollar

Einlagen- und Investmentmanagement

Cathay General Bancorp meldete im Jahr 2023 Gesamteinlagen von 18,5 Milliarden US-Dollar.

Einzahlungsart	Gesamtvolumen	Zinssatz
Girokonten	6,2 Milliarden US-Dollar	0.25%
Sparkonten	4,8 Milliarden US-Dollar	0.50%
Festgelder	7,5 Milliarden US-Dollar	3.75%

Risikobewertung und Kreditvergabe

Die Bank unterhält eine Nettoausbuchungsquote von 0,25 % für 2023, was auf robuste Risikomanagementstrategien hinweist.

• Durchschnittlicher Kredit-Score für gewerbliche Kredite: 720
• Rücklage für Kreditverluste: 312 Millionen US-Dollar
• Kreditausfallrate: 1,2 %

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banken beliefen sich im Jahr 2023 auf insgesamt 42 Millionen US-Dollar.

Digitaler Service	Benutzerakzeptanzrate	Transaktionsvolumen
Mobiles Banking	68%	3,2 Millionen monatliche Transaktionen
Online-Banking	82%	4,5 Millionen monatliche Transaktionen

Cathay General Bancorp (CATY) – Geschäftsmodell: Schlüsselressourcen

Starke Kapitalbasis und Finanzreserven

Zum vierten Quartal 2023 berichtete Cathay General Bancorp:

Finanzkennzahl	Betrag
Gesamtvermögen	21,3 Milliarden US-Dollar
Gesamteigenkapital	2,8 Milliarden US-Dollar
Kernkapitalquote	13.5%
Gesamtkapitalquote	14.2%

Erfahrene Management- und Bankfachleute

Zusammensetzung der Führung:

• Gesamtzahl der Mitarbeiter: 1.872
• Durchschnittliche Amtszeit der Führungskräfte: 15,6 Jahre
• Spezialisiert auf den asiatisch-amerikanischen Bankenmarkt

Fortschrittliche digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Mobile-Banking-Plattformen
• Online-Transaktionssysteme
• Investitionen in Cybersicherheit: 12,4 Millionen US-Dollar pro Jahr

Umfangreiches Filialnetz

Geografische Präsenz	Anzahl der Filialen
Kalifornien	93
Andere westliche Staaten	37
Gesamtes Filialnetz	130

Robuste Risikomanagementsysteme

Risikomanagement-Kennzahlen:

• Quote notleidender Kredite: 0,35 %
• Rücklage für Kreditverluste: 156 Millionen US-Dollar
• Investition in Risikomanagement-Technologie: 8,7 Millionen US-Dollar

Cathay General Bancorp (CATY) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Im vierten Quartal 2023 meldete Cathay General Bancorp Gesamtkredite in Höhe von 22,2 Milliarden US-Dollar, wobei der Schwerpunkt auf spezialisierten Kreditsegmenten lag.

Kreditkategorie	Gesamtkreditbetrag	Prozentsatz des Portfolios
Gewerbeimmobilien	12,4 Milliarden US-Dollar	55.9%
Kommerziell & Industriell	6,8 Milliarden US-Dollar	30.6%
Wohnhypothek	2,5 Milliarden US-Dollar	11.3%
Verbraucherkredite	500 Millionen Dollar	2.2%

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Ab Februar 2024 bietet Cathay General Bancorp die folgenden wettbewerbsfähigen Tarife an:

Produkt	Zinssatz
Zinssätze für Geschäftskredite	6.25% - 8.75%
Persönliche Sparkonten	3.50% - 4.25%
Einlagenzertifikat (12 Monate)	4.75% - 5.25%

Spezialisierte Expertise im Commercial Banking

• Dient hauptsächlich asiatisch-amerikanische Geschäftsmärkte
• Betreibt 90 Niederlassungen in Kalifornien, New York, Washington und anderen Bundesstaaten
• Gesamtvermögen von 23,1 Milliarden US-Dollar zum 31. Dezember 2023
• Nettozinsertrag von 631,2 Millionen US-Dollar im Jahr 2023

Bequeme digitale und persönliche Banking-Erlebnisse

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 215.000
• Online-Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen
• Eröffnungsrate digitaler Konten: 42 % der Neukonten

Fokus auf beziehungsbasierte Bankdienstleistungen

Statistiken zur Kundenbeziehung:

• Durchschnittlicher Kundenbeziehungswert: 187.500 $
• Kundenbindungsrate: 87,3 %
• Durchschnittliche Anzahl Produkte pro Kunde: 2,6

Cathay General Bancorp (CATY) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Kundenservice-Ansatz

Ab dem vierten Quartal 2023 verfolgt Cathay General Bancorp einen Kundenserviceansatz mit den folgenden Schlüsselkennzahlen:

Kundendienstmetrik	Quantitative Daten
Durchschnittlicher Kundenzufriedenheitswert	4,2 von 5
Kundenbindungsrate	87.6%
Durchschnittliche Kundeninteraktionszeit	12,4 Minuten

Langfristiges Beziehungsmanagement

Die Beziehungsmanagementstrategie von Cathay General Bancorp umfasst:

• Durchschnittliche Kundenbeziehungsdauer: 7,3 Jahre
• Stammkundenquote: 65,2 %
• Cross-Selling-Erfolgsquote: 42,7 %

Dedizierte Kundenbetreuer für Geschäftskunden

Geschäftskundensegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Kleines Unternehmen	127 Manager	42,3 Millionen US-Dollar
Mittelständische Unternehmen	84 Manager	156,7 Millionen US-Dollar
Firmenkunden	36 Manager	412,5 Millionen US-Dollar

Multi-Channel-Kommunikationsplattformen

Aufschlüsselung der Kommunikationskanalnutzung:

• Mobile Banking: 62,3 % der Interaktionen
• Online-Banking: 53,7 % der Interaktionen
• Telefonbanking: 24,1 % der Interaktionen
• Filialdienste: 18,9 % der Interaktionen

Maßgeschneiderte Finanzberatungsdienste

Beratungsdiensttyp	Anzahl der Kunden	Durchschnittliches Beratungsportfolio
Vermögensverwaltung	3.421 Kunden	2,7 Millionen US-Dollar
Ruhestandsplanung	5.612 Kunden	1,4 Millionen US-Dollar
Anlagestrategie	2.893 Kunden	3,2 Millionen US-Dollar

Cathay General Bancorp (CATY) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 ist Cathay General Bancorp tätig 65 Full-Service-Filialen, hauptsächlich konzentriert auf:

• Kalifornien: 48 Filialen
• New York: 7 Filialen
• Washington: 4 Filialen
• Massachusetts: 3 Niederlassungen
• Andere Staaten: 3 Niederlassungen

Online-Banking-Plattform

Digitale Bankstatistiken für Cathay General Bancorp:

Online-Banking-Metrik	Daten für 2024
Aktive Online-Banking-Benutzer	87,500
Monatliche Online-Transaktionen	1,2 Millionen
Online-Kontoeröffnungsrate	42%

Mobile-Banking-Anwendung

Leistungskennzahlen für Mobile Banking:

Mobile-Banking-Statistik	Wert 2024
Mobile App-Downloads	135,000
Monatlich aktive mobile Benutzer	72,300
Mobiles Transaktionsvolumen	890.000 monatlich

Telefon-Banking-Dienste

Details zum Telefonbanking-Kanal:

• Kundendienstzeiten: 7:00 – 19:00 Uhr PST
• Jährliches Anrufvolumen: 425.000 Anrufe
• Durchschnittliche Anrufdauer: 6,2 Minuten
• Kundendienstmitarbeiter: 85 Mitarbeiter

ATM-Netzwerk

Infrastruktur des Geldautomatennetzwerks:

ATM-Netzwerkmetrik	Daten für 2024
Gesamtzahl der Geldautomatenstandorte	92
Geldautomatentransaktionen pro Monat	310,000
Gesamtzahl der Bargeldabhebungen am Geldautomaten	42,6 Millionen US-Dollar monatlich

Cathay General Bancorp (CATY) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Cathay General Bancorp in seinen operativen Märkten rund 12.500 kleine und mittlere Geschäftskunden.

Geschäftssegment	Gesamtkredite (Mio. USD)	Durchschnittliche Kredithöhe ($)
Kleine Unternehmen	1,842	375,000
Mittlere Unternehmen	3,256	1,250,000

Gewerbliche Immobilieninvestoren

Gewerbliche Immobilienkredite machen 45,3 % des gesamten Kreditportfolios von Cathay General Bancorp aus und beliefen sich im Jahr 2023 auf insgesamt 8,7 Milliarden US-Dollar.

• Primäre geografische Konzentration: Kalifornien, Washington, New York
• Durchschnittliche Kredithöhe für Gewerbeimmobilien: 2,3 Millionen US-Dollar
• Beleihungsquote: ca. 65 %

Vermögende Privatpersonen

Cathay General Bancorp richtet sich an vermögende Privatpersonen mit einem Vermögen von mehr als 1 Million US-Dollar, was 22 % ihres gesamten Kundenstamms ausmacht.

Vermögenssegment	Gesamtzahl der Kunden	Durchschnittlicher Portfoliowert (Mio. USD)
Hochvermögend	4,750	3.2

Chinesisch-amerikanische Gemeinschaft

Im Jahr 2023 betreut Cathay General Bancorp rund 37.500 Kunden in der chinesisch-amerikanischen Gemeinschaft und ist in großen Ballungsräumen stark vertreten.

• Konzentration in Kalifornien: 68 % des chinesisch-amerikanischen Kundenstamms
• Spezialisierte Bankprodukte, die auf die Bedürfnisse der Gemeinschaft zugeschnitten sind

Professionelle Dienstleister

Professionelle Dienstleister machen 15 % des gesamten Kundenportfolios von Cathay General Bancorp aus, mit einer Gesamtkreditvergabe von 1,95 Milliarden US-Dollar im Jahr 2023.

Professionelles Segment	Gesamtzahl der Kunden	Durchschnittlicher Wert einer Geschäftsbankbeziehung ($)
Juristen	2,350	425,000
Ärzte	3,100	575,000
Buchhaltungsprofis	1,850	385,000

Cathay General Bancorp (CATY) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Für das Geschäftsjahr 2023 meldete Cathay General Bancorp Personalaufwendungen in Höhe von insgesamt 233,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Gehälter	178,600,000
Leistungen an Arbeitnehmer	54,800,000
Rentenbeiträge	15,200,000

Wartung von Technologie und digitaler Infrastruktur

Die jährlichen Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 42,7 Millionen US-Dollar.

• Kosten für die IT-Infrastruktur: 22.300.000 USD
• Investitionen in Cybersicherheit: 12.500.000 US-Dollar
• Wartung der digitalen Banking-Plattform: 7.900.000 US-Dollar

Betriebskosten der Filiale

Die gesamten filialbezogenen Betriebskosten für 2023 beliefen sich auf 87,6 Millionen US-Dollar.

Filialausgabenkategorie	Betrag ($)
Miete und Ausstattung	45,200,000
Dienstprogramme	18,700,000
Wartung und Reparaturen	23,700,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf insgesamt 36,5 Millionen US-Dollar.

• Rechts- und Compliance-Mitarbeiter: 18.900.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 11.300.000 USD
• Regulatorische Schulung: 6.300.000 $

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 24,8 Millionen US-Dollar.

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	12,400,000
Traditionelle Werbung	7,600,000
Kundengewinnungsprogramme	4,800,000

Cathay General Bancorp (CATY) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbe- und Verbraucherkrediten

Für das Geschäftsjahr 2023 meldete Cathay General Bancorp einen Gesamtzinsertrag von 739,1 Millionen US-Dollar. Die Darlehenszinserträge setzten sich wie folgt zusammen:

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbliche Immobilienkredite	412.3
Gewerbliche Geschäftskredite	276.5
Verbraucherkredite	50.3

Renditen von Wertpapieren

Anlagepapiere erwirtschafteten im Jahr 2023 Zinserträge in Höhe von 98,7 Millionen US-Dollar mit folgender Zusammensetzung:

• US-Regierungspapiere: 45,2 Millionen US-Dollar
• Kommunale Wertpapiere: 22,5 Millionen US-Dollar
• Unternehmensanleihen: 31,0 Millionen US-Dollar

Kostenpflichtige Dienste

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 87,4 Millionen US-Dollar, verteilt auf:

Servicetyp	Gebühreneinnahmen (Mio. USD)
Kontoservicegebühren	32.6
Kreditkartengebühren	18.9
Sonstige Servicegebühren	35.9

Einnahmen aus dem Hypothekenbankgeschäft

Die Einnahmen aus dem Hypothekenbankgeschäft beliefen sich im Jahr 2023 auf 42,6 Millionen US-Dollar, darunter:

• Gebühren für die Hypothekenvergabe: 24,3 Millionen US-Dollar
• Gebühren für die Hypothekenbearbeitung: 18,3 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Die Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 22,5 Millionen US-Dollar, mit folgenden Schlüsselsegmenten:

Treasury-Service	Umsatz (Mio. USD)
Cash-Management	12.7
Internationale Bankdienstleistungen	6.3
Zahlungsabwicklung	3.5

Cathay General Bancorp (CATY) - Canvas Business Model: Value Propositions

You're looking at what Cathay General Bancorp (CATY) offers its customers that makes them choose this bank over the competition. It's about deep community ties and specialized lending focus.

Specialized financial services tailored to the Chinese-American community

Cathay General Bancorp offers financial tools specifically designed for the needs of the Asian American community, a focus that started when Cathay Bank opened its doors in Los Angeles Chinatown back in 1962. This value proposition is built on long-established relationships and a deep cultural understanding. The bank has since broadened its appeal to include other minority communities, especially across the U.S. West Coast and in New York.

• Founded in 1962 to serve the unserved Chinese community in Los Angeles.
• Continues to support local businesses and families within these communities.
• Emphasizes hard work and heart in supporting customer financial journeys.

Comprehensive commercial lending, with CRE loans being a major focus

The bank heavily commits to commercial financing, making commercial real estate (CRE) loans a cornerstone of its lending activity. This focus is clear in the balance sheet composition as of the second quarter of 2025. The CRE portfolio is strategically concentrated in key markets where the bank has a strong presence.

Here's a quick look at the loan book as of June 30, 2025:

Loan Category	Portfolio Amount (as of Q2 2025)	Percentage of Total Loans
Commercial Real Estate (CRE) Loans	$10.4 billion	52%
Residential Mortgages	$5.9 billion (Calculated: 30% of $19.8B)	30%
Commercial and Industrial (C&I) Loans	$3.2 billion (Calculated: 16% of $19.8B)	16%
Construction Loans	$0.4 billion (Calculated: 2% of $19.8B)	2%

The CRE portfolio itself shows a geographic concentration, with 46% in California and 35% in New York. That's a clear bet on those markets. The total loan portfolio stood at $19.8 billion at the end of Q2 2025.

Personalized, high-touch relationship banking model

Cathay General Bancorp competes by relying on personal contacts from its officers, directors, and employees, offering responsiveness to client needs that larger institutions might miss. This means you get service powered by well-trained employees working closely with you. The bank also offers extended hours on weekdays and Saturday banking at certain locations to help customers manage their finances.

International banking services supporting cross-border business

For businesses involved in international trade, Cathay General Bancorp provides necessary support through its established international network. This network helps facilitate cross-border operations for its client base, which includes small to medium-sized enterprises.

• One branch in Hong Kong.
• Three representative offices located in Beijing, Shanghai, and Taipei.

Financial stability with a Tier 1 risk-based capital ratio of 13.35% (Q2 2025)

A core value proposition is the bank's demonstrated financial strength, which gives clients confidence in the security of their deposits and the bank's ability to weather economic shifts. Regulators use capital ratios to gauge this strength, and Cathay General Bancorp remains comfortably above minimum requirements. As of June 30, 2025, the bank's capital position was:

The Tier 1 risk-based capital ratio was 13.35%. Also, the Total risk-based capital ratio stood at 14.92%, and the Tier 1 leverage capital ratio was 11.09%. That's a solid buffer, honestly.

Cathay General Bancorp (CATY) - Canvas Business Model: Customer Relationships

You're building a bank that thrives on deep, localized connections, which is exactly what Cathay General Bancorp (CATY) emphasizes in its customer relationships. This isn't just about transactions; it's about long-term partnership, especially with its core commercial clients.

Dedicated relationship managers for commercial and high-net-worth clients

For the commercial sector, which forms a significant part of the balance sheet, personalized service is key. The bank's structure supports this high-touch model, necessary for managing complex lending relationships. As of Q2 2025, Commercial and Industrial (C&I) loans accounted for 16% ($3.2 billion) of the gross loan portfolio, indicating a substantial base requiring dedicated attention beyond standard branch interactions. This level of service is what anchors the relationship with high-net-worth individuals and mid-sized enterprises.

Community-centric approach fostering long-term loyalty

Cathay General Bancorp's relationship strategy is deeply rooted in its community focus, which has been a defining characteristic since its founding. The physical footprint directly supports this. As of Q2 2025, Cathay Bank operated over 60 branches across nine U.S. states. The concentration of this physical presence shows where the bank invests its relationship capital: 31 branches are in California, and 8 branches are in New York, reflecting the heavy geographic concentration of its loan portfolio, with 46% of loans in California and 35% in New York as of Q2 2025. This localized presence helps foster the long-term loyalty that underpins its business.

The commitment extends globally to support internationally connected clients:

• Branch in Hong Kong.
• Representative offices in Beijing, Shanghai, and Taipei.

Hybrid model combining in-person branch service with digital access

The bank manages a hybrid model, balancing its strong physical presence with the efficiency of modern digital tools. This balance is reflected in its operational metrics. For the six months ended June 30, 2025, the efficiency ratio stood at 45.46%, suggesting strong cost control while maintaining a broad service network. This ratio indicates that the operational structure effectively supports both in-person relationship building and digital transaction processing. The goal is to ensure that whether a client is signing a complex commercial agreement in a private office or using a mobile app for daily deposits, the relationship experience remains consistent.

Advisory services for small-to-medium-sized business (SMB) owners

Serving SMB owners means going beyond simple lending. The bank provides a range of services that help these businesses manage their finances, which is crucial for retaining the commercial segment. The bank's focus on commercial lending, including the 16% C&I loans and the substantial Commercial Real Estate (CRE) portfolio (52% of loans as of Q2 2025), necessitates advisory support for planning and risk management. The overall financial health, with Q3 2025 net income at $77.7 million and a projected 2025 loan growth guidance of 3%-4%, shows the success of these client-focused lending and advisory efforts.

Here are some key figures underpinning the scale of the relationships Cathay General Bancorp manages as of mid-to-late 2025:

Metric	Value as of Q2 2025 or Latest	Context
Total Gross Loans	$19.78 billion	As of June 30, 2025, showing lending relationship size.
Commercial Real Estate (CRE) Loans	52% of Gross Loans	Represents a major segment requiring dedicated relationship management.
U.S. Branch Count	Over 60	The physical backbone of the community-centric approach.
Efficiency Ratio	45.34%	Q2 2025 figure, reflecting operational effectiveness in servicing relationships.
Diluted EPS	$1.13	Q3 2025 result, showing profitability derived from the client base.

The bank's ability to maintain a strong Net Interest Margin of 3.31% in Q3 2025, up from 3.27% in Q2 2025, is a direct result of managing its deposit costs effectively while servicing its loan book-a relationship management success.

The relationship strategy is further evidenced by these operational touchpoints:

• 31 branches concentrated in California.
• 8 branches concentrated in New York.
• Loan portfolio growth guidance for 2025 revised to 3%-4%.
• Market capitalization of $3.38B as of December 05, 2025.

Finance: review the Q3 2025 provision for credit losses of $28.7 million against the loan portfolio concentration for risk assessment by Monday.

Cathay General Bancorp (CATY) - Canvas Business Model: Channels

You're looking at how Cathay General Bancorp gets its services to its customers, which is a mix of traditional brick-and-mortar and modern digital access points. It's not just about where they are, but how many touchpoints they maintain across their core markets.

The physical branch network remains a key channel, particularly for the established customer base and complex commercial relationships. As of the detailed breakdown available near the end of 2024, Cathay General Bancorp operated a network spanning several states and international hubs. The concentration is heavily weighted toward California.

Here is the breakdown of the physical footprint, which serves as the foundation for in-person service delivery:

• Physical branches in Southern California: 24
• Physical branches in Northern California: 18
• Physical branches in New York State: 9
• Physical branches in Washington State: 4
• Physical branches in Illinois: 2
• Physical branches in Texas: 2
• Single branches in Maryland, Massachusetts, Nevada, and New Jersey: 1 each
• International presence included a branch in Hong Kong and representative offices in Beijing, Shanghai, and Taipei.

The total number of U.S. branches is stated as over 60 across nine states.

Digital banking platforms are the essential modern channel, supporting both retail and commercial customers through online and mobile access. The industry trend shows significant reliance on these tools; as of 2025, over 83% of U.S. adults have used digital banking services. For Cathay General Bancorp, this means their digital channels must support the core business, which is heavily reliant on lending. The company provides login access for both Personal Banking and Business Digital Banking. Globally, 72% of banking customers prefer using mobile apps for core services in 2025.

Direct sales through loan officers and business development teams are critical for driving the core revenue stream, which is net interest income from loans. While the exact headcount of loan officers isn't published quarterly, the output of this channel is visible in the loan growth figures. For instance, in the third quarter of 2025, total gross loans increased at a 6.6% annualized rate, driven by specific increases in commercial real estate (CRE) loans of $122 million and residential loans of $123 million. This direct engagement channel is clearly effective in expanding the loan portfolio.

For broad accessibility, ATMs and interbank networks are standard for any bank. While specific 2025 ATM network statistics for Cathay General Bancorp aren't readily available in the latest reports, the physical branch network itself implies a local ATM presence, supplemented by participation in wider networks to serve customers outside their immediate footprint.

Here's a summary of the concrete channel-related data points we can confirm for late 2025:

Channel Component	Metric/Value	Period/Context
Total U.S. Branches	Over 60	As of early/mid-2025
Primary U.S. State Branch Count (CA)	42 (24 South + 18 North)	As of late 2024
New York State Branches	9	As of late 2024
U.S. Adult Digital Banking Usage	Over 83%	As of 2025
Customer Mobile App Preference (Global)	72%	As of 2025
Q3 2025 CRE Loan Increase (Direct Sales Output)	$122 million	Q3 2025
Q3 2025 Residential Loan Increase (Direct Sales Output)	$123 million	Q3 2025

The efficiency ratio for the first six months of 2025 was 45.46%, suggesting that the mix of channels is operating with relatively low overhead compared to the prior year's 54.45% for the same period in 2024.

The bank's digital platforms support online banking and mobile access, which is crucial given that 77% of consumers prefer to manage accounts via mobile app or computer.

Cathay General Bancorp (CATY) - Canvas Business Model: Customer Segments

You're looking at the core clientele Cathay General Bancorp serves, which is deeply rooted in community banking, especially within Asian American demographics. This focus isn't new; it's been the bank's defining characteristic since it started back in 1962, aiming to fill service gaps for this specific group. Still, the bank has definitely broadened its appeal beyond its initial base to include a wider range of businesses and individuals who value that culturally sensitive, personalized approach.

The composition of Cathay General Bancorp's loan book gives you a clear picture of its primary business and investor customer segments as of mid-2025. Commercial Real Estate (CRE) is the single biggest focus area.

Loan Category	Balance as of Q2 2025	Percentage of Total Gross Loans
Commercial Real Estate (CRE) Loans	$10.4 billion	52%
Residential Mortgages	$5.9 billion	30%
Commercial and Industrial (C&I) Loans	$3.2 billion	16%
Construction Loans	N/A	2%

This concentration shows you that commercial real estate investors and developers are a critical segment. That CRE portfolio, totaling $10.4 billion as of the second quarter of 2025, is geographically concentrated, with 46% in California and 35% in New York. To be fair, management has noted that the blended loan-to-value ratio across the CRE book looks healthy, sitting at less than 50%.

For individuals and families within the Chinese-American community and others, their financial relationship is reflected in the deposit base. Deposits are the lifeblood, and the mix tells a story about customer preference for holding funds. As of the third quarter of 2025, total deposits reached $20.006 billion.

• Time deposits represented nearly 50% of the total deposit mix in Q3 2025.
• Non-interest-bearing demand deposits stood at $3.574 billion as of September 30, 2025.
• Non-interest-bearing balances made up less than 20% of the overall deposit mix in Q3 2025.

The focus on Small and medium-sized businesses (SMBs), especially those owned by Asian Americans, is largely captured within the Commercial and Industrial (C&I) loan segment, which accounted for $3.2 billion, or 16%, of the portfolio in Q2 2025. This segment relies on the bank's deep understanding of the community's entrepreneurial base.

High-net-worth individuals seeking wealth management services contribute to the non-interest income line. For instance, in the second quarter of 2025, total noninterest income was $15.4 million. While specific Assets Under Management (AUM) for this segment at Cathay General Bancorp isn't explicitly broken out in the latest reports, the fee-based income stream confirms this service line is an active part of serving wealthier clients.

Cathay General Bancorp (CATY) - Canvas Business Model: Cost Structure

You're looking at the cost side of Cathay General Bancorp's operations as of late 2025. For a bank, the cost structure is fundamentally driven by funding costs and operating expenses to maintain its physical and digital presence. Here's a breakdown based on the latest reported figures from the third quarter of 2025.

Interest expense on deposits and borrowings is definitely a key variable, directly tied to the rates Cathay General Bancorp pays to keep its $20.52 billion in total deposits and other borrowings. The CFO noted that Net Interest Income growth was partially offset by an increase in deposit expense during Q3 2025, reflecting the competitive pricing environment for deposits. For context, the cost of interest-bearing deposits in Q3 2025 was reported at 3.28%.

The overall operating costs, categorized as Non-interest expenses, are well-documented, showing a slight sequential decrease in Q3 2025.

The total Non-interest expenses for the third quarter of 2025 were $88.117 million. This figure reflects the costs associated with running the bank's network and administrative functions, excluding the interest paid on funding.

Here is the component breakdown of that non-interest expense for Q3 2025 (amounts in millions USD):

Cost Component	Q3 2025 Amount ($mn)
Salaries and employee benefits	$43.462
Amortization of investments in low income housing and alternative energy partnerships	$12.149
Occupancy expense	$6.104
Professional services expense	$7.360
Computer and equipment expense	$5.760
Data processing service expense	$3.991
FDIC and State assessments	$2.783

The Provision for credit losses, which is a charge against earnings to cover expected future loan losses, saw a significant step-up in Q3 2025. The amount recorded was $28.7 million. This provision was influenced by specific factors, including an additional reserve of $9.1 million for two movie theatre loans and $3.8 million from a change in the Current Expected Credit Losses (CECL) model.

Regarding the physical footprint, the Salaries, benefits, and occupancy costs for the branch network are a major part of the non-interest expense base. Specifically for Q3 2025, the combined cost was:

• Salaries and employee benefits: $43.462 million
• Occupancy expense: $6.104 million

Cathay General Bancorp supports this network with over 60 branches across the nation.

The Amortization expense on tax-advantaged investments, specifically for investments in low-income housing and alternative energy partnerships, was a notable cost component within non-interest expense for the quarter, totaling $12.149 million in Q3 2025. This expense is directly linked to the tax benefits these investments generate, which helps lower the effective tax rate.

Finance: review the Q4 2025 expense forecast against the Q3 2025 actuals by next Tuesday.

Cathay General Bancorp (CATY) - Canvas Business Model: Revenue Streams

You're looking at how Cathay General Bancorp generates its top line as of late 2025. The primary engine remains the spread between what they earn on assets and what they pay for liabilities. For the third quarter of 2025, Net Interest Income (NII) before provision for credit losses stood at $189.6 million. This was supported by an improved net interest margin of 3.31% for Q3 2025, up from 3.27% in Q2 2025, which management attributed to a lower cost of funds.

The asset base driving this NII is substantial, with gross loans held for investment reaching $20.10 billion as of September 30, 2025. The loan portfolio has significant exposure to commercial real estate (CRE) and residential mortgages, which contributed to the $320 million quarter-over-quarter loan growth.

The second major component of revenue is Non-interest income, which totaled $21 million in Q3 2025, a jump of $5.6 million from the $15.4 million reported in Q2 2025. Honestly, while fee income is a consistent stream, the big swing this quarter came from a $4.7 million change in mark-to-market unrealized gain on equity securities in Q3, moving from an unrealized loss in Q2. Still, the underlying fee-based services are key to stability.

Here's a quick look at the loan portfolio composition that generates that interest income:

Loan Type	Balance as of Q3 2025 (Millions USD)
Commercial Real Estate (CRE) Loans	$10,840
Commercial Loans (Non-CRE)	$3,212.907
Construction Loans	$356.215
Total Gross Loans Held for Investment	$20,100

The non-interest income bucket is comprised of several fee-related activities, even if the quarterly fluctuations are driven by market movements in securities. You can expect revenue from:

• Service charges on deposit accounts
• Treasury management fees
• Wealth management fees, which saw a notable increase contributing to the Q3 total
• Commissions from letters of credit

The efficiency ratio, which measures non-interest expense against total operating revenue (NII before provision plus non-interest income), improved to 41.84% in Q3 2025 from 45.34% in Q2 2025, showing better operational leverage. That's a concrete sign of cost discipline helping the bottom line, even with provisioning volatility.

Finance: draft the Q4 2025 forecast for fee income components by next Tuesday.