Cathay FHC upholds the core philosophy of being “people-oriented” and continues to care for the needs of Taiwanese people. We use our financial core competencies to provide solutions for society's potential risks and issues, and realize inclusive finance by creating a strong insurance safety net.

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In light of the immense pressure of the rapidly aging population on Taiwan’s society and people, Cathay FHC continues to offer a variety of products and services to resolve the pain points people may encounter at old age, keeping people from the threat of economic and health risks when they grow old.


Small Amount Whole Life Insurance

Cathay Life was the first to offer small amount whole life insurance, which has low application requirements and low premiums, in 2017, allowing relatively elders who have difficulty obtaining required insurance to easily get basic coverage. As of the end of 2018, Cathay Life’s small amount whole life insurance has provided basic economic security to nearly 180,000 policy holders, providing an insurance coverage of approximately NT$51.6 billion against personal risks for society. This was the highest amount of total coverage in the industry, and will benefit social stability to a certain extent.
45% of overall sales is above age 55 which shows that small amount whole life insurance does indeed meet the needs of the elderly. The outcome is consistent with the original intention of the product’s design, to “reduce the potential social impact of the aging population”.


Post-cancer Care Insurance

In light of the immense pressure of the rapidly aging population on Taiwan’s society and people, Cathay FHC continues to offer a variety of products and services to resolve the pain points people may encounter at old age, keeping people from the threat of economic and health risks when they grow old. The number of Taiwanese cancer patients increases with each passing year, and it is becoming growingly common for people to find out that they cannot gain any more coverage once they are diagnosed with cancer. Cathay Life introduced Asia's first exclusive Medical Insurance for Cancer Patients in 2018, so that cancer patients can get required coverage. This product provides coverage for the top 12 common primary cancers in Taiwan, which means that about 80% of cancer patients can be covered. 818 cancer patients were able to gain medical insurance within one year after launched. Cathay Life and the Hope Foundation for Cancer Care jointly offered a series of promotion activities and lectures to provide care and support, accompanying policyholders in the fight against cancer as they strive to live a new life.

Cathay Life provides the most timely support and companionship to cancer patients who are unable to apply commercial medical insurance after being diagnosed with cancer. The insurance gained wide approval in society and inspired industry peers to follow suit. Cathay Life also won the 2018 Taiwan Corporate Sustainability Awards – Social Inclusion Award for the insurance by this product.


Health-promoted Insurance and Activities

Cathay Life was the first in industry to promote that the influence of insurance can be extended from compensation to prevention by providing services of health management, as a solution to cope with increased medical expenses each year. Cathay Life began offering health-promoted insurance for general public in 2018, helping citizens to adopt healthy lifestyles by forming the habit of routine exercise through this product.

Cathay Life developed a platform for health-promoted activity-“Cathay Walker” to help policyholders to acquire the habit of walking 7,500 steps every day within two years by providing incentives for reaching weekly and monthly goals. Simultaneously, this platform opens to public as a vehicle for health promotion activity to encourage that every participants can improve their physical well-being. The number of participants reached 100,000 as of the end of 2018. Participants walked a total of approximately 34.3 billion steps, which is enough to walk to the moon and back 27.9 times.


Disability and Retirement Trust

CUB was the first in the industry to establish a professional trust team, which uses retirement and disability trusts to promote social security and public welfare. For these efforts, CUB won the 2018 Banking and Finance Best Practice Award – Best Trust. CUB has been using trust profession to protect the assets of elderly and disabled people for a long time. These trusts allow people to entrust different types of property at the same time, and ensures that trust properties are used exclusively for designated purposes. As of the end of 2018, 282 elderly and disabled people entrusted assets worth NT$1.205 billion into Disability & Retirement Trusts.

A report from McKinsey & Company pointed out that the global GDP will increase 26% by 2025 if female economic participation increases to the same level as male economic participation. Women have become one of the most powerful groups following the rise of global gender awareness.


Driving Force behind the Financial Independence of Women

Cathay FHC is the first financial institution to include the Empowerment of Women as a theme for sustainability, and advocates gender equality in the workplace, services, and society through “care” and “empowerment” to create a “gender friendly ecosystem”.

Cathay FHC conducted the “survey on financial independence of women” in collaboration with Womany, Taiwan's first social media to focus on gender and feminine consciousness. A total of 2,360 effective questionnaires, for which 94% of respondents were female, were collected, and provided insight into the current economic conditions and actual needs of women from three aspects of financial independence: “awareness of financial independence”, “current economic condition and consumption habits”, and “understanding of and expectations for financial planning”. This will serve as a basis for improving product design and service planning and establishing strong connections with society in hopes of increasing the financial independence of women. Cathay FHC won 2018 Taiwan Corporate Sustainability Awards – Gender Equality Award for this endeavor.

Furthermore, Cathay SITE co-organized 4 financial management seminars for women with Smart Monthly in 2018 and achieved 99.03% participant satisfaction. In the future, Cathay will continue investing resources and working together with key partners in hopes of eliminating potential gender inequality in workplaces and financial products.


Cathay Life began offering micro insurance in 2009 to provide basic protection for the economically disadvantaged. Micro insurance can cover injury, death, and disability through medical benefits for injury and life insurance. Cathay Century also provides micro group insurance. Cathay Life and Cathay Century rank first and forth in the domestic micro insurance market, respectively. From launch to the end of 2018, Cathay Life’s and Cathay Century's micro insurance have provided 514 disadvantaged households with timely economic support.


Student Group Insurance

Cathay Life hopes to fully utilize its core competencies in insurance and exert its influence for becoming a force for social stability and bringing happiness to Taiwan. Cathay Life provided student group insurance in 2017 and 2018 with total insured amount of about NT$3 trillion, protecting 3 million students of high/vocational school around Taiwan. Meanwhile, Cathay Life continues to ponder on how to provide students with more thoughtful services, and thus worked with the K-12 Education Administration in implementing the Sustainable Campus Project. The project expands services of students group insurance and upgrades “claims services afterwards” to “accident prevention beforehand”. Students can have important concepts of sustainability to form a virtuous cycle. While helping the education for next generation, Cathay Life can benefit self, others, and whole society, the spirit of insurance.

Nearly 6,000 Cathay Sustainable Campus Ambassadors around Taiwan assisted schools in anti-drug education, environmental protection, campus safety, and financial management and insurance knowledge. Since the Sustainable Campus Project was implemented in 2017, the project has reached 11,500 people in 18 counties/cities, and satisfaction rate was above 99%.


MFI Loans

Cambodians are generally skeptical of financial institutions, and this has limited the reach of consumer finance services provided by financial institutions. Locals are highly dependent on the MFIs in each township for loans. Statistics of the National Bank of Cambodia (NBC) show that the balance of loans from MFIs reached US$4.85 billion in the first half of 2018, up 34.2% compared with 2017 YoY. CUB provided finance to PRASAC Microfinance Institution Limited (PRASAC), Cambodia’s largest micro-finance institution, to show commitment and determination on corporate sustainability through the support of inclusive finance.

Furthermore, CUB provided a syndication loan as Mandated Lead Arranger in the amount of US$100 million with other domestic banks for PRASAC in 2018, backing PRASAC in developing micro-finance and SME loans. As of the end of 2018, the balance of loans provided by CUB (including branches) to MFIs has reached US$34.5 million.

CPBL Gambling Prevention Trust

CUB began working with the Taiwan Professional Baseball Development Association, Chinese Professional Baseball League (CPBL) and individual professional baseball teams in 2009 in offering a trust for professional baseball players. CUB was the first bank to set up such a trust and currently has the most players as our settlors. As of the end of 2018, 218 active players have joined CUB's CPBL Gambling Prevention Trust, and trust property principal has reached NT$135 million, allowing both players and fans to truly enjoy the game.

Charitable Trust

The trust property principal of CUB's charitable trusts was the largest in the industry as of the end of 2018 at NT$37.817 billion. CUB has helped several founders and owners of companies listed on TWSE/TPEx and social elites to establish charitable trusts for the purposes of charity, education, and children's welfare in hopes of enhancing the transparency of charitable donations and ensuring that donated funds are truly used on those in need and contributed to the society. The cumulative amount of donations through Charitable Trusts has reached NT$1.232 billion.

Mango Crop Insurance

Cathay Century began offering mango crop insurance in 2016 in response to climate change issues and government policy to protect the earnings of farmers and asset safety, and is currently the only insurance company to sell mango insurance. Besides covering mango losses caused by typhoons, torrential rains, and cold weather with Mango Insurance Linked to Government Disaster Relief Efforts, we also began offering "Mango Insurance Linked to Area Yield" in 2017. Policy holders will be eligible to file claims when actual harvests in the region are lower than the guaranteed harvest, which provides farmers with greater flexibility. We actively participate in product presentations offered at farmers' associations to promote insurance products and thereby protect farmers' asset safety. From its launch to the end of 2018, the cumulative insured amount reached NT$29.37 million.

Loans to Small and Medium Enterprises

CUB is the strongest partner of SMEs in Taiwan and has launched a variety of preferential loans designed specifically for SMEs. CUB has worked closely with the SME Credit Guarantee Fund of Taiwan for years, and offered financing projects such as the “preferential loans for wholesalers and retailers”, “preferential loans for social enterprises”, and “working capital for SME suppliers”. As of the end of 2018, project financing has been provided to 81 SMEs with the balance of loans reaching NT$299 million; the balance of loans to SMEs meanwhile reaches NT$178.1 billion. CUB was furthermore, for its long-term efforts, recognized with the “Credit Guarantee Loan Growth Award” from the SME Credit Guarantee Fund of Taiwan in 2017 and 2018 consecutively.

Preferential Loans for Social Enterprises

CUB, Taipei City Government, and the SME Credit Guarantee Fund of Taiwan jointly implemented the industry's first project for providing preferential loans to social enterprises, aiding the development of qualified social enterprises by directly providing guarantee and low-interest preferential loans. CUB hopes to bring together government, organizations, and corporations in providing a preferential loan platform for social enterprises. Loans have been provided to 6 social enterprises between April 2017, when the project was implemented, and the end of 2018, with total balance of loans reaching NT$20.05 million. CUB cares about and empathizes with SMEs in Taiwan, and uses well-designed mechanisms to support and accompany SMEs as they grow.

We must respond to environmental and social issues in the most creative ways under the threat of extreme global risks, such as extreme weather events and cyberattacks. Technology has changed the face of finance, and the digital era has revolutionized our lifestyles. Financial institutions need to find ways to help customers during important times in their daily life, and also use data to create an enjoyable customer experience.

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Cathay FHC makes data-driven decisions and fully grasps FinTech development trends


Cathay FHC has innovated its business model through the strategy of "simultaneously developing multiple channels, moving steadily forward, integrating group resources, and continuing to improve the big data ecosystem," and continues to explore the unlimited possibilities of financial services. Besides providing customers with a convenient financial experience through comprehensive mobile services, Cathay FHC's Digital, Data & Technology Center (DDT) has extended its reach into all parts of Southeast Asia in the two years since it was established, and is actively increasing the accessibility of financial services. DDT horizontally integrates the group's digital developments. Cathay FHC aims to build meaningful connections with customers utilizing its information integration abilities and data analysis and development, thus becoming the best financial navigator for customers.
Cathay FHC is moreover committed to providing friendlier financial scenarios and services, and will continue to offer personalized financial services by engaging in customer digital activity analysis, digital procedure optimization, and digital channel development. It is our mission to actively learn what customers need and use data to drive our decisions.  


Cathay Robo improves the customer experience

Cathay FHC endeavors to provide customers with a variety of low cost financial solutions through the use of FinTech and has for this reason launched the smart investment platform, which encourages long-term investment and aims to help customers achieve their investment goals. The platform helps investors make disciplined, rational, and fixed investments rather than reacting to market fluctuations.
Cathay FHC integrated the group's resources worldwide, including the wealth of professional investment experience possessed by CUB's investment research team, product team, Cathay SITE and Conning Holdings Corporation and the artificial intelligence algorithms developed by Hong Kong startup Quantifeed, in creating a world class research team. Cathay FHC aims to use the most rigorous algorithms and its world class investment services to help all customers progress steadily toward achieving their financial management goals at each stage of life.

Cathay Robo brings to you a smarter way to manage your life.

Cathay Robo developed by Cathay FHC's professional team helps customers achieve sound financial management.


The most heartwarming digital financial service--CUBC Payroll 1.0 salary transfer

A study by the Asian Development Bank (ADB) pointed out that the demand for payments and transfers in 2017 in Cambodia was estimated at US$8.3 billion, but transactions through formal financial channels was only US$3.3 billion, a significant gap of US$5.4 billion. Payment service, the basic function related to all transactions, is the most important service linked to Cambodian’s daily lives. CUBC decided to work with major local payment providers and became the first bank in Cambodia to work with payment service providers in providing salary transfer services. CUBC is connected to the payrolls of factories, and helps factory workers collect their salaries from the offline payment agents CUBC works with as part of its cash flow services. Local workers can collect their salaries from any offline agent that provides the service, which is not only convenient, but also prevents the risk of being robbed when carrying large amounts of cash on payday. Factories can save the trouble of issuing large amounts of cash each month, and also avoid the risk of miscalculating salaries.
The number of CUBC's locations expanded from 16 branches and 80 ATMs to about 3,500 offline agents through the collaboration with major local payment providers. This collaboration has created an affordable connection between local people and financial institutions and achieved inclusive finance. In the future, CUBC will continue to work with payment service providers in providing local residents with the opportunity to access an even greater variety of financial services.


Cathay Life builds the industry’s leading brand in mobile services

Cathay Life actively predicts the needs of customers in different life stages. In 2017, Cathay Life won both the Best Insurer: Technology Award and the Asia Insurance Industry Awards (AIIA) - Best Digital Insurance Company, again bringing honor to our nation by being the only Taiwanese insurance company to win these awards. Cathay Life formed a financial insurance patent team and became the first insurance company in Taiwan to obtain a mobile insurance invention patent in 2014. Cathay Life obtained 43 insurance technology patents by the end of 2017, and led the industry by offering numerous new intelligent services, which allows our customers to have a comprehensive experience and best represents the value of innovation.
Cathay Life's 25,000 salespeople use their iPads to provide one-stop insurance services to policy holders on a mobile insurance platform. Wherever customers are, mobile service personnel are right there with them. This approach also contributes to energy conservation and carbon reduction while providing policy holders with quick, safe, and convenient services, reducing paper consumption by nearly 53.3 million sheets in 2017, roughly the height of 11 Taipei 101 buildings.



CUB makes digital finance an integral part of daily life

The updated MyBank and My MobiBank APP of CUB feature consistent experience, consistent content, and a mobile first approach, providing customers with a simple, streamlined interface and visual experience designed from a user’s perspective. MyBank had 3.17 million users as of the end of 2017. My MobiBank was upgraded and revamped in 2017. Credit card holders no longer need to receive an e-mail to change their password when they apply for a mobile banking account, making the application process even faster. As a result, the number of credit card holders that registered for mobile banking grew 133% YOY. The application process for nonpredesignated transfer accounts was also optimized, and can now be completed online with a mobile phone without needing to go to a service counter; the number of transfers grew 23% MOM as result. As of the end of 2017, My MobiBank had 1.1 million users.
CUB has truly transformed mobile payment into an integral part of people's daily lives, and is actively creating additional areas of application to establish a cashless society. CUB was among the first grove of banks to support Apple Pay in 2017, and led the industry by allowing credit card holders to use Apple Pay on My MobiBank, offering customers access to a brand new payment process. We led the industry in overall (mobile payment) performance, in which young online shoppers and air travelers are especially fond of using mobile payment. Over 30% of these users joined the top three international mobile payment providers. CUB integrated mobile payment technology with wearable devices in 2018 by supporting Garmin Pay and Fitbit Pay, thereby offering cardholders a new mobile payment experience on devices other than their mobile phones. Furthermore, CUB is working exclusively with 7-ELEVEN and also supports FamilyMart's Fami Pay not only for payment services butalso through the provision of credit card invoice carrier services. When a CUB credit card holder uses the credit card to make a purchase, the invoice will automatically be stored in the credit card invoice carrier, and a hard copy will not be printed, providing greater convenience and contributing to environmental protection at the same time.

CUB was among the first grove of banks to support Apple Pay.


Cathay APP services allow you to complete all your errands using your mobile phone

My Rewards

My Rewards APP integrates offline and mobile applications with innovative technologies, and offers a variety of application scenarios and service functions in response to the demand for newer, faster developments in digitization. Cathay FHC utilizes agile development to accelerate its development speed and fulfill requirements for customer experience. Product releases are completed in the most efficient manner from prototype design and development, usability testing, and new version adjustments and retesting. As of the end of 2017, the number of members had exceeded one million. Cathay FHC also set a precedent in the finance industry by using agile development to accelerate the APP's transformation into a charity platform. The new reward point donation function under My Rewards allows users to redeem products and supplies offered by excellent social enterprises with their reward points at a minimum threshold of 20 points, and then donate the products to social welfare organizations in need. This way users' reward points can benefit social enterprises and social welfare organizations at the same time. In less than a week after the service was launched, users had ccumulated over 400,000 reward points and donated 40% of the 1-million-donated-point target. Cathay FHC's My Rewards APP achieves mutual prosperity in society through innovative digital technology, enabling customers to show their care and concern by using reward points to answer the purposes of social enterprises and reflect the thoughtfulness of participating enterprises. My Rewards is therefore truly a mobile platform on which love and care know no boundaries.

The reward point donation function of My Rewards connects the boundless love of people who care.



CUB created a new brand KOKO to meet the needs of the younger generations, and to provide customers with the most convenient financial services. The KOKO APP frees customers from the constraints of time and place through simple application procedures. As of the end of 2017, over 29,000 users had opened accounts on the KOKO APP. CUB furthermore launched the KOKO COMBO icash co-branded card in 2017, integrating the KOKO account debit card, credit card, and icash into one single card. Application for the card is completely carried out online through the innovative one-stop financial service, allowing the younger generation to take the first step in financial management with ease and convenience.


Smart Go App

Cathay Century launched the car insurance Smart Go APP, a mobile marketing management tool, to identify trends in mobile services. The APP allows salespeople to manage car insurance affairs anytime and anywhere using an iPad. The APP received a utility model patent from the Intellectual Property Office, and can be used for calculations and purchasing insurance online. It can also provide policy holders with quotations and payment information in real-time using Line. The Smart Go APP was used for nearly 90% of car insurance quotations in 2017, significantly reducing the time previously needed to generate quotations.


Open Account APP

Cathay Securities' Dunnan Branch revolutionized the model of traditional securities brokerage through adoption of a new digital business model that removes the constraints of personnel, time, and place. Cathay Securities obtained 4 utility model patents in less than a year, the fastest in the industry, and applied the patents in the latest version of the Open Account APP and the newly upgraded stock selection APP. The Open Account APP is the first one in the industry to not require a digital citizen certificate or video authentication process, and uses Authentication and Identification Service Center technology to establish an integrated and secure online identification mechanism. The process of opening a securities account and bank account can be completed through 3 simple steps using the APP. Over 9,000 new accounts were opened within 5 months since the launch of the APP. In other words, the number of accounts opened by one digital salesperson is 144 times that of traditional salespeople.

Cathay Securities' Dunnan Branch uses an all new digital business model to remove constraints of personnel, time, and place and to maximize performance.


My MobiFund APP

Cathay SITE's My MobiFund APP is the first mobile APP provided by a securities investment trust to feature fingerprint recognition and online password unlocking functions. Cathay SITE introduced and continued to optimize push notifications of fund performance in 2016, and added KYC and additional unit payment mechanisms to provide customers with even more convenient service functions. The number of customers that used mobile devices for trading accounted for 25% of all customers in 2017.


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