Cathay General Bancorp is a bank holding company that operates Cathay Bank, providing a comprehensive range of financial services including deposit products, commercial and residential lending, wealth management, and treasury services to individuals and businesses primarily in high-density Asian-populated areas across the United States and Hong Kong. The company generates revenue primarily through net interest income on its lending portfolio, which is diversified across commercial real estate, residential mortgages, and commercial loans, as well as from non-interest income derived from depository fees, wealth management services, and loan-related activities. Cathay Bank funds its operations through a stable deposit base and maintains a conservative credit risk profile while operating as a well-capitalized institution under Basel III standards.