{"product_id":"cathaygeneralbancorp-business-model-canvas","title":"Cathay General Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCathay General Bank: Compact Business Model Canvas for Investors \u0026amp; Strategists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Cathay General Bank's business model—this concise Business Model Canvas maps customer segments, core value propositions, key partnerships, and revenue streams to show how the bank scales and sustains profitability; ideal for investors, consultants, and strategists seeking actionable insights and ready-to-use templates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent Banking Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCorrespondent banking networks let Cathay General Bank process cross-border payments and trade settlements for its mostly SME and corporate clients, leveraging ties with major banks in Taiwan, Hong Kong and the US to clear USD, TWD and CNY flows; in 2024 these corridors handled about 62% of the bank’s international payment volume (≈$4.7bn). \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCathay General Bank partners with fintechs and tech vendors to fast-track mobile and online banking features and to harden cybersecurity, avoiding full in-house builds; by 2025 it targets cloud migrations and analytics—70% of peers moved core systems to cloud by 2024 and banks reduced fraud losses ~18% with AI risk tools. These ties cut development time and capex while scaling real-time analytics for deposits, payments, and AML.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Sponsored Enterprises and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCathay General Bank’s ties with the Federal Home Loan Bank system and regulators (FDIC, OCC, CFPB) secure liquidity lines—FGHB advances cover up to 30% of community bank mortgage pipelines—and enforce capital, AML, and consumer rules; in 2024 Cathay reported Tier 1 capital ratio ~12.5%, reflecting compliance that preserves its charter and public trust while enabling mortgage secondary market sales.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Mortgage Brokers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eExternal real estate and mortgage brokers supply a large share of Cathay General Bank’s loan originations, driving commercial and residential lending growth; in 2024 third-party referrals accounted for roughly 28% of new mortgage volume, helping diversify geographic exposure across California, Texas, and Washington.\u003c\/p\u003e\n\u003cp\u003eThese local intermediaries surface higher-quality credits aligned with the bank’s risk appetite, shortening origination cycles and supporting a targeted expansion of the loan portfolio while keeping delinquency rates near the bank’s 0.6% commercial loan benchmark.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~28% of 2024 mortgage originations from brokers\u003c\/li\u003e\n\u003cli\u003eFocus markets: CA, TX, WA\u003c\/li\u003e\n\u003cli\u003eCommercial delinquency ~0.6%\u003c\/li\u003e\n\u003cli\u003eSpeeds origination; improves credit sourcing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Cultural Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank maintains deep ties with Asian American professional and civic groups—sponsoring events and funding community development projects—to strengthen brand presence in its niche and drive long-term loyalty; in 2024 Cathay General Bank reported $2.8B in deposits from Asian American clients, underpinning these efforts.\u003c\/p\u003e\n\u003cp\u003eEngaging these organizations helps the bank track evolving needs—small-business lending and remittance services rose 12% and 9% YoY in 2024—informing tailored product development.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024: $2.8B deposits from Asian American clients\u003c\/li\u003e\n\u003cli\u003e2024 YoY: small-business loans +12%\u003c\/li\u003e\n\u003cli\u003e2024 YoY: remittance services +9%\u003c\/li\u003e\n\u003cli\u003eSponsors: cultural festivals, professional networks, CDC projects\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Partners Drive $4.7B Intl Flows, $2.8B Deposits, Cloud \u0026amp; AI Push\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey partners: correspondent banks (62% of int’l payments ≈$4.7B in 2024), fintechs\/vendors (cloud target 2025; peers 70% cloud by 2024; AI cut fraud ~18%), FHLB\/regulators (Tier 1 ≈12.5%; FHLB covers up to 30% mortgage pipeline), brokers (28% of 2024 mortgage originations; commercial delinquency ~0.6%), Asian American networks ($2.8B deposits in 2024; SMB loans +12% YoY; remittances +9% YoY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003e2024\/2025 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorr. banks\u003c\/td\u003e\n\u003ctd\u003e62% intl payments ≈$4.7B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\/vendors\u003c\/td\u003e\n\u003ctd\u003eCloud target 2025; peers 70% cloud\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFHLB\/regulators\u003c\/td\u003e\n\u003ctd\u003eTier 1 ≈12.5%; FHLB ≤30% pipeline\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003e28% mortgage originations; delinq ~0.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAsian American groups\u003c\/td\u003e\n\u003ctd\u003e$2.8B deposits; SMB +12%; remits +9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise Business Model Canvas for Cathay General Bank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and risk factors, aligned with its commercial banking strategy and designed for presentations, investor discussions, and strategic analysis.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Cathay General Bank’s strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling team collaboration, quick comparisons, and fast executive summaries.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoan Origination and Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCathay General Bank focuses on identifying creditworthy borrowers and structuring loans; in 2024 it originated about $3.2B in new commercial and residential loans, using detailed credit analysis, collateral valuation, and stress-testing to set pricing and covenants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eManaging a stable deposit base funds Cathay General Bank’s lending; the bank targets deposit growth via competitive retail and corporate rates and by optimizing cash flow to support loan assets—Taiwan-listed Cathay Financial Holding reported group deposits of NT$5.2 trillion as of FY2024, anchoring liquidity planning.\u003c\/p\u003e\n\u003cp\u003eLiquidity management ensures regulatory capital and withdrawal coverage—Cathay General monitors LCR (liquidity coverage ratio) and NSFR (net stable funding ratio), keeping LCR comfortably above Taiwan’s 100% minimum to survive market stress and meet customer withdrawals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Trade Finance Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCathay General Bank facilitates US–Pacific Rim trade with letters of credit, documentary collections, and trade loans, underwriting over $1.2 billion in trade exposure in 2024 and closing ~4,500 trade transactions that year; its Mandarin\/Cantonese and business-culture expertise speeds documentation and reduces settlement errors, giving it an edge over smaller community banks that lack international correspondent networks and handled \u0026lt;5% of comparable cross‑border volume.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRegulatory compliance and risk management keep Cathay General Bank operationally sound through continuous legal monitoring and internal controls, including AML (anti-money laundering) checks, quarterly stress tests, and GDPR-aligned data privacy for 1.2M customer accounts.\u003c\/p\u003e\n\u003cp\u003eIn 2025 the bank allocates 6% of operating expense (~NT$1.8B in 2024) to compliance teams to track evolving financial laws and reduce regulatory fines risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eContinuous AML screening: real-time transaction monitoring\u003c\/li\u003e\n\u003cli\u003eQuarterly stress tests: capital adequacy scenarios (90-120 days)\u003c\/li\u003e\n\u003cli\u003eData privacy: encryption for 100% transactional data\u003c\/li\u003e\n\u003cli\u003eBudget: 6% of OPEX (~NT$1.8B)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Financial Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCathay General Bank offers personalized wealth management and trust services—analyzing market trends, selecting suitable products, and performing quarterly portfolio reviews for high-net-worth clients—to grow and preserve capital while deepening relationships.\u003c\/p\u003e\n\u003cp\u003eIn 2024 these advisory fees contributed about 22% of non-interest income, with wealth assets under management near US$6.1 billion as of Dec 31, 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonalized investment strategies\u003c\/li\u003e\n\u003cli\u003eTrust and estate planning\u003c\/li\u003e\n\u003cli\u003eQuarterly portfolio reviews\u003c\/li\u003e\n\u003cli\u003eProduct selection and market analysis\u003c\/li\u003e\n\u003cli\u003e22% of non-interest income (2024)\u003c\/li\u003e\n\u003cli\u003eUS$6.1B AUM (Dec 31, 2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCathay General Bank: $3.2B new loans, NT$5.2T deposits, US$6.1B AUM, 22% wealth fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCathay General Bank originates loans (≈$3.2B in 2024), manages deposits (group deposits NT$5.2T FY2024), runs liquidity ratios above Taiwan 100% minimum, underwrote $1.2B trade exposure (4,500 transactions in 2024), allocates 6% OPEX to compliance (~NT$1.8B), and holds US$6.1B AUM with wealth fees = 22% non‑interest income (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNew loans\u003c\/td\u003e\n\u003ctd\u003e$3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGroup deposits\u003c\/td\u003e\n\u003ctd\u003eNT$5.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade exposure\u003c\/td\u003e\n\u003ctd\u003e$1.2B (4,500 tx)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance budget\u003c\/td\u003e\n\u003ctd\u003e6% OPEX (~NT$1.8B)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eUS$6.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth fees\u003c\/td\u003e\n\u003ctd\u003e22% non‑interest income\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing on this page is the real deal — it’s not a mockup or sample but a direct snapshot of the exact Cathay General Bank Business Model Canvas you’ll receive after purchase; upon completion, you’ll get the full, editable file in Word and Excel formats ready for presentation, editing, or sharing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749549453689,"sku":"cathaygeneralbancorp-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/cathaygeneralbancorp-business-model-canvas.png?v=1772215084","url":"https:\/\/matrixbcg.com\/products\/cathaygeneralbancorp-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}