A Total Caring Organisation– Sustainable Development
At CASH, we fully understand that our business is built on the long-term well-being of the “people” in our service areas at large. As such, we consciously manage the growth of our business without compromising our environment and our society, as we believe that the sustained health of our environment and our society will in turn support the sustainable growth of our business and vice versa. As a result, CASH is committed to partnering with our key stakeholders to work towards the sustainable development of our business, our environment and our society.

Throughout the course of our business development, we care about the needs of our key stakeholders, inter alia, our shareholders, our employees, our customers, our environment, and our community. As such, we strive to become a “Total Caring Organisation” to embrace the all-round needs of our key stakeholders.

To become a Total Caring Organisation, we are dedicated to:

• meeting the needs of our customers with quality products and innovative services
• creating an enjoyable work environment to highly engage our employees so as to maximise their potential
• minimising our operational impact on the natural environment
• contributing to the betterment of the community, especially that of the next generation.

At CASH, we uphold the PEOPLE-ORIENTED principle as our core belief and this forms the essence of our corporate culture. We respect the various needs of these "people" as our stakeholders and we strive to balance the different spectrum of interests for the development of a better future. Our five core values serve as the guiding principles for the whole team to move ahead:

• People – respect and be devoted to fulfilling individual needs
• Customers – anticipate and meet customers' expectations through services from the heart
• Quality – embrace the "Can Do" mentality in order to strive for excellence
• Teamwork – embrace diversity and cement mutual trust
• Change – keep abreast of change and be innovative in order to explore new opportunities.

To us, customers' interests always come first. CASH knows that as a total caring organisation, It is our mission to provide our customers with a meaningful experience when utilising our services.
Throughout the years, CASH has always striven for top performance and has become the market leader in different areas:

Service Achievements Internet-trading Pioneer

With the use of strong human capital and advanced information technologies, CASH Group and its subsidiaries are best known as the innovators in developing Internet and electronic trading platforms to satisfy the needs of its clients and customers.

CFSG

• First Hong Kong Exchanges and Clearing Ltd participant to launch an internet securities and commodities trading platform
• First brokerage to launch a STK/SMS mobile phone securities and commodities trading facility
• First financial institution to provide T+2 settlement and margin trading services to online clients
• First brokerage to provide wealth management services
• World first to develop "3D AI Broker" system
• First brokerage to launch a 3G trading facility
• First brokerage to develop a comprehensive financial SNS portal - www.cashsns.com
• First brokerage to develop one-stop iPhone trading app in HK – CASHRTQ
• First financial service provider to provide commission-free crypto trading
• First fintech provider to tailor smart 'Millennial Finance' with the launch of a 'first-of-its-kind' mobile trading app Alpha i

We excel in the expansion of our online services to provide clients with comprehensive financial opportunities, including:

• An IPO subscription platform
• US and China B shares securities trading
• PDA and WAP trading platforms
• Global market commodities trading
• A mutual fund search engine.

Pricerite

• First retail company to provide an e-portal for household products
• First in HK to provide "one-to-one customer service" to customers (frontline staff have their own business cards with mobile phone numbers)
• Enable the sizes of furniture to be modified according to customers' individual needs

CASH is committed to the well-being of our employees as we believe that a healthy body and soul will have a positive impact on people's professional and personal lives.

Along with initiatives designed to improve the health, safety and well-being of our employees, CASH also offers recreational and educational activities to help staff to pursue their interests, explore their full potential and recharge after work.

• Professional Growth
• Work-Life Balance
• Health & Safety
• Rewards & Recognitions
• Employees' Families
• Amazing Occasions

Professional Growth
Career - Professional Growth

As a multi-faceted service conglomerate, CASH fully understands that our success lies in the quality of service we provide to our customers and therefore our ability to attract, retain and motivate quality employees.To achieve this, we offer various in-house or outsourced training programmes:

• Pricerite Professional Training Institute ("PPTI"): PPTI is an important incubator for talent nurture and development of Pricerite. The Group has been dedicated to developing retail professionalism, as manifested in its accreditation of numerous service excellence and brand awards over the years. Including five major zones, PPTI is equipped with the latest facilities for the management of staff training and development. In addition, PPTI is also a cosy place for culture building, staff bonding and opinion exchange.
• Pricerite Retail Management Certificate Programme: an extensive training programme including operations training, sales technique training, as well as elementary, advanced and supervisory management training for different levels of employees. Other training includes drama-based activities, service training and field coaching.
• Building Up High-Performance Supply Chain Management:enhances participants’ service quality and nurtures their sense of responsibility and professionalism, as well as facilitating inter-departmental collaboration. It also includes outdoor experiential training, such as war games to build up team spirit and sales culture.
• Management Training Workshops: tailor-made for management-level employees of CASH and CFSG to enhance communication skills, the ability to face adversity as well as team spirit.
• Language Enhancement Programme: English and Putonghua classes are continuously available to help enhance employees' language proficiency.
• Service with Heart Training Programme:aims to strengthen leadership capabilities to sustain and reinforce service quality on a long-term basis. It includes Service with Heart seminars, service leadership, crew training and a field coach programme.
• Sales Culture Training: develops a competitive spirit and inspires team spirit among sales teams and support teams in the battle to win customers’ hearts. The programme includes drama-based leadership training and executive coaching for frontline managers.

To join the CASH family, please visit our Careers page.

Work-Life Balance
CASH strives to help employees maintain a good work-life balance, which we believe helps them to sustain their performance at work and our business.
To assist employees to balance their lives, we arrange activities under three different themes: wellness, happiness and vivacity.

Wellness – Emotional comforts

We provide many different programmes and functions to help employees live a more relaxed life:

• Employee Development Service: Employee Assistance Programmes (EAP)
  
  By setting up a regional 24-hour Toll-free Hotline, with unlimited access to professional counsellors, staff in both Mainland China and Hong Kong can receive consultations and talk over any personal concerns anytime. In addition, we have organised a range of seminars for our staff’s well-being, and to explore work pressure, in order to provide a healthy work-life balance.
• Massage service
• Fresh fruit enjoyment
• Soup Day for Pricerite frontline staff

Happiness – Cheerful minds

We aim to create a happy work environment for employees so that they enjoy and always feel like home when working at CASH.

Numerous internal functions and gatherings are organised, including:

• Work Life Balance Day
• Make-up Classes
• Enjoyment of Red Wine
• Departmental/ Executive Gatherings

Vivacity – Get moving

We encourage employees to maintain a good balance between health and work and endeavour to promote the importance of regular exercise.

Games Day and sports activities are regularly organised to provide employees with opportunities to “get moving”:

• Jogging Class
• Bowling Class
• Table Tennis Competition

Sports teams also bring employees together with similar sporting interests:

• Soccer Team

Health and Safety
Employees' health and safety are prime concerns of the Group and we are committed to providing a safe and comfortable working environment.
Measures taken to protect employees from health risks:

Prevention

• Eye Care Seminar, delivering eye care knowledge and protection measures against popular eye diseases
• Comprehensive medical insurance plans for staff and their families
• Health Day
• Vaccination programme, available to all staff. Protection against various diseases, including influenza
• Dental packages to subsidise scaling and check-ups

CASH attaches prime importance to ensuring a safe working environment, with measures in place to deal with natural disasters, fire, disease and accidents. We encourage our employees to treat health and safety as parts of their individual responsibility. The Group's health and safety procedures are revised from time to time to ensure that they are risk-focused and that responsibilities are clearly defined.

Rewards and Recognition
Our employees are our most important asset. As a PEOPLE-ORIENTED company, we strive to give our best to our employees. We see them as the primary drivers in sustaining business growth and our corporate values.

Remunerations

• To attract talented people, we provide fair and competitive remuneration and benefits to our employees.
• We benchmark our remuneration system with the market to ensure our ability to motivate our talent pool.
• Reviews and salary adjustments, based on our transparent incentive structure, encourage employees to excel in performance.
• Comprehensive benefits are provided to all staff, including annual leave, birthday leave, maternity leave and medical benefits.

Long Service

To express our thanks, we regularly show our appreciation to staff who have contributed to CASH for many years.


Encouragement

Our employees' dedication deserves recognition. Thus, Pricerite has set up the "Best Staff" and "Best Manager" award schemes, held quarterly, to recognise top-performing employees and teams and to raise morale as well as confidence.

Competition is also held on a monthly basis to present awards to recognise outstanding frontline employees and boost their confidence from time to time.


Joyful Gifts – Adding to happy occasions

As a total caring employer, CASH is dedicated to increasing the happiness of our employees and their families.

We have pioneered the introduction of the following benefits for employees:

• Marriage gift coupon
• Red packet for new-born babies

Other benefits:

• Purchase discount
• Financial trade discount

*Benefits vary for staff at different levels.

Employees' Families
CASH aims to extend our total caring act to our employees' families. We understand that family life is important because stable, happy families offer employees additional strength and help to sustain their performance at work.

We have therefore implemented measures to provide more flexible working arrangements:

• Flexi-time arrangements.
• A comprehensive and people-oriented leave system, including birthday leave, annual leave, marriage leave, maternity leave, compassionate leave, and paternity leave.

Amazing Occasions
CASH understands the importance of family activities. We constantly organise different events to give our employees and their families more opportunity to have fun together.

Activities organised:

• Family Visit Day, Gingerbread Making and Christmas Gathering
• Ocean Park Fun Day
• Hong Kong Disneyland Fun Day
• Movie Enjoyment
• Charity Walks, e.g. The Community Chest, Round CU Marathon –“Road to Cancer Cure”.

Nature is the most precious resource we have. CASH is dedicated to keeping the environmental impact of our operations to a minimum, balancing business needs with conservation. As a total caring organisation, we are pro-actively committed to sustaining the natural world.

To realise our commitment to the environment and the community, CASH has taken part in many different campaigns.

• Participation
• Our Business
• Our Office

Participation

• CASH Group participated in "Earth Hour".
• We visited the landfill, enabling employees to further understand the waste disposal process.
• We signed the Hong Kong General Chamber of Commerce's Clean Air Charter to reduce emissions and create cleaner air. We acted on the Chamber's 7-7-7 Care-for-Air Guidelines for the public and called on our staff to take practical steps to contribute to improving air quality at home, at work, and while travelling.
• CASH has been a corporate member of the World Wide Fund for Nature Hong Kong since 2000.
• We took part in the "No Plastic Bag Day" campaign, organised by the Green Student Council to reduce plastic bag usage and non-degradable refuse.
• We have engaged in many different governmental environmental protection campaigns, including Green Office Education, Smoke-free Office Campaign, Green Day and Action Blue Sky.
• We signed WWF’s pledge of “Knock Plastic out of the Ocean” to promise to reduce our use of single-use plastic items such as plastic cutlery and plastic bags. We also promoted the pledge to our staff members for their active participation.

Our Business

• Pricerite installed e-product catalogues and e-posters at stores.
• CFSG joined Friends of the Earth's Green Christmas Campaign to promote the use of e-cards when sending greetings to business partners and customers to save paper.
• Pricerite is endeavored to procuring environmental friendly products and encourages customers to use degradable merchandise.
• We subsidise partners to purchase eco-vehicles in order to reduce gas emissions
• We are committed to promoting environmentally friendly products, such as energy-saving light bulbs and refrigerators, to conserve power.
• We encourage reduced paper consumption by offering shareholders choices to consent to receiving corporate communications materials by electronic means.
• CFSG is also encouraging customers to use e-statements on our online portal in order to save paper.
• We use energy-saving light bulbs and electric appliances whenever possible to save power.

Our Office

• We present employees with eco-friendly cutlery set, encouraging them to prepare for their own reusable cutlery.
• CASH has set up waste separation facilities in our offices.
• The company is pro-actively committed to sustaining the natural world through our Green ICT Platform. This includes systems such as E-workflow and CASHARE (intranet) to build a highly efficient "paperless, IT-driven and systematic" working environment.
• Video-conferencing systems have been installed in offices to reduce travel and as a result cause less pollution.
• CASH use environmentally friendly packaging for mooncakes. This promotes simple packaging to reduce waste and use of non-degradable cutlery.
• We collect recyclable toner cartridges, ink-jet bottles and paper. These materials are then sent to recycling agents for further processing.
• We use paper made from PEFC Certified and FSC (C013067)certified plantations to help minimise chopping of natural forests.
• Air-conditioners are set to a comfortable temperature to save energy consumption and alleviate the greenhouse effect.
• We are implementing a lighting and energy conservation programme in our Services Centres and retail shops. For example, we follow strict, in-house guidelines for switching off all power after close of business or operating hours.

CASH is devoted to supporting the community in which we operate through:

• Donation
• Education
• Volunteering
• Encourage Others to Give

Donation
Every year CASH contributes to a variety of causes in Hong Kong, Mainland China and other parts of the world.
Hong Kong

• CASH took part in the Orbis Moonwalkers fund-raising event.
• CASH sports enthusiasts joined the UNICEF Charity Run in aid of projects to help children and mothers affected by HIV/AIDS.
• CASH participated in the Community Chest's "Dress Special Day".
• CASH took part in the Community Chest's "Skip Lunch Day" in support of the charity's Services for Street Sleepers & Cage Residents.
• CASH organised mooncake donations from employees to support the Salvation Army and to share the festive atmosphere with people in need.
• To support the Salvation Army's "Red Packet Donation Programme" and its work among children, we called for donations from employees at Chinese New Year. The activity generated a great response and is set to continue every year.
• CASH coordinated with Hong Kong Christian Service (HKCS) and The Hong Kong Institute of Architects (HKIA), co-organised a community project entitled "Building Power". In this project, we put our professional knowledge and skills to work to help people in need to renovate their living environment. Over 100 CASH Group volunteers divided into 18 teams took part. Districts covered included Sham Shui Po, Yau Tsim Mong, Kwun Tong, and Yuen Long. Benefits for low-income families ranged from renovation and house cleaning to donations of new furniture and household goods.
• CASH and subsidiary Pricerite sponsored Helping Hand's "Fortune Cookies Campaign", which raised funds for the elderly. The campaign was held in Causeway Bay and received an enthusiastic response.
• CFSG donated cash and prizes worth HK$1 million to the Community Chest in a charity show televised on TVB Jade. CASH on-line also purchased a batch of charity tickets from the Community Chest, which raised approximately HK$1 million for the organisation.
• CFSG funded The Stock Exchange of Hong Kong Ltd investment game for trading options and stocks, which encouraged different sectors to learn more about finance and investment.

Mainland China

• CASH worked with UNICEF to encourage staff to make donations following the Qinghai Earthquake in April 2010. The company matched staff contributions on a dollar-for-dollar basis to maximise donations.
• The Sichuan Earthquake catastrophe in May 2008 was tremendous in scale. The Group, together with its Chairman, encouraged its employees to donate and pledged to match their contribution on dollar-to-dollar basis, in rendering the relief and rebuild operations. In addition, the subsidiaries under the Group used their strong sales network to hold fundraising activities and call everyone in the territory to help the victims.
• In February 2008, CASH launched a fund-raising drive within 24 hours at its Hong Kong office to assist snowstorm-affected areas in other parts of China. Donations were presented directly to UNICEF to provide emergency supplies for the affected.
• To help to ease the plight of victims of the Chongqing floods in July 2007, CASH donated RMB 1 million to the Chongqing Municipal Government to support its relief projects.

Overseas

• On 26 December 2004, the natural disasters of a powerful earthquake off the west coast of Sumatra, Indonesia followed by a deadly tsunami devastated many people's lives in countries around Asia. More than 200,000 were killed, millions were displaced and many children were made orphans. CASH launched a fund-raising drive to help young survivors, with donations going directly to UNICEF.
• CASH Group made a donation to "World Heart Day". The event sought to raise public awareness about heart disease and the need for a healthy lifestyle.

Education
Our future lies in the hands of the next generation. Social progress therefore depends on an excellent learning environment and quality education for young people. Mr. Bankee Kwan, Chairman of CASH, is dedicated to promoting education. He has set up education funds to assist students with financial difficulties. He has also made donations to different educational institutions in Hong Kong, other areas of China and overseas for scientific research and student scholarships.

Hong Kong

• “Bankee Kwan Fellowships for Mathematical Studies”, Institute of Mathematical Sciences, The Chinese University of Hong Kong
• “Mr. Bankee Kwan Scholarship”, New Asia College, The Chinese University of Hong Kong
• Donation to purchase medical equipment for the Faculty of Medicine, The Chinese University of Hong Kong
• Donation to purchase a Cardiac Echocardiography Machine, Cardiology Division, Department of Medicine & Therapeutics, The Chinese University of Hong Kong
• Donation to “Professor Tam Sheung-wai’s Award of Excellence”, The Open University of Hong Kong
• “Student Exposure Project in China”, The Open University of Hong Kong
• “CASH Education Fund”, The Open University of Hong Kong

Mainland China

• “Peking University Education Foundation”, Academy of Oriental Studies, Peking University
• Donation to China Jiuquan Satellite Launch Centre to support Shenzhou 5, China’s first manned spacecraft programme
• Donation to Project Hope, Guizhou Province
• “Bankee Kwan Foundation for Financial Studies”, Nanjing University
• Donation to set up “The Bankee P. Kwan Institute of International Finance Management”, Nanjing University
• Donation to set up a “Network System for Psychological Science”, Institute of Psychology, Chinese Academy of Sciences

Overseas

• “The Bankee Kwan Fellowship”, Harvard University, US
  
  CASH has also joined various education programmes organised by the Hong Kong Government to help the young generation. These include:
• The Youth Work Experience and Training Scheme
• The Youth Pre-employment Training Programme

Volunteering
CASH believes that contributing to society is the due responsibility of every local organisation. We strongly encourage our employees to participate in all kinds of voluntary activities for the less privileged in the community.

• CASH Volunteers invited children from Po Leung Kuk in Causeway Bay to visit the Hong Kong Flower World Organic Farm. During this memorable outing, CASH volunteers learned more about communicating with children and about Nature.
• CASH Volunteers organised the "Summer Movie Day" and invited children from St. Christopher's Home to join the movie share.
• CASH Volunteers distributed Tuen Ng Festival sachets to senior citizens living alone in Pak Tin Estate, Sham Shui Po.
• CASH Volunteers visited people from the Intellectually Disabled Education and Advocacy League in Sham Shui Po, playing games and giving out "Best Wishes" potted plants.
• "Play@Home" aims to help parents learn how to play and communicate with their children. The programme invited low-income families from Sham Shui Po district to join training workshops. Guidelines were tailor-made to assist in building children's confidence through "games-and-rewards". The programme also aimed to improve parent-children relationships and communication through games to avoid family violence.
• CASH organised a "Christmas Book Donation Campaign" to collect used books from employees and donate them to children in need. The books were delivered to a kindergarten in Tin Shui Wai on Winter Solstice to celebrate the festival.
• We organised the first "Pleasant meeting" for underprivileged children. CASH Volunteers and the children enjoyed a meal at McDonald's and watched a movie together. This helped the children learn to communicate with others and feel wanted by the community.
• CASH, together with Hong Kong Christian Service (HKCS) and The Hong Kong Institute of Architects (HKIA), co-organised a community project entitled "Building ? Power" from September 2005 to May 2006. In this project, we put our professional knowledge and skills to work to help people in need to renovate their living environment. Over 100 CASH Group volunteers divided into 18 teams took part. Districts covered included Sham Shui Po, Yau Tsim Mong, Kwun Tong, and Yuen Long. Benefits for low-income families ranged from renovation and house cleaning to donations of new furniture and household goods. The programme received an "Outstanding Partnership Project Award" from the Hong Kong Council of Social Service.

Encourage Others to Give

• As a total caring organisation, CASH cares about the next generation. We also seek to encourage our customers to help the needy. Thus we co-operate with UNICEF and place contribution boxes in all Pricerite's retail shops to collect contributions for the organisation's relief programmes.
• To encourage our customers to care about the blind, CFSG partners with international blindness prevention and treatment charity ORBIS by inserting ORBIS leaflets and donation forms in customers' monthly statements. Forms collected are sent on to ORBIS.