Church House Trust SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 665
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SWOT Analysis of Church House Trust with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Church House Trust

Parent Company

Virgin Money

Category

Regional Bank

Sector

Banking and Financial services

Tagline/ Slogan

-

USP

Focus on detailed personal underwriting

STP

Segment

Personal and Commercial banking

Target Group

Middle income group people

Positioning

As a trusted deposit taker and mortgage lender

SWOT Analysis

Strengths

1. Deposits are more than double its loan book. Hence, it does not rely on wholesale markets for its funding

2. In 2008 before acquisition by Virgin Money, it had a high operating income
3. It had no borrowings from other banks
4. The roots of the bank go back to more than 200 years

5. Strong regional presence in the UK

Weaknesses

1. A small regional bank with a conservative business model
2. Capital base is small compared to bigger banks
3. People lacked trust in small banks like Church House Trust during 2008 financial crisis

Opportunities

1. Injection of more capital after acquisition by Virgin Money
2. The aim of Virgin Money to rebrand the bank and develop a sustainable savings based business

3. To make online banking as central part of its offerings

Threats

1. The 2008 financial crisis tarnished the reputation of many UK banks and hence people turned skeptical towards banks
2. Competition is intense among big banks
3.Product differentiation is hardly there and it is easily replicable by bigger banks

Competition

Competitors

1.HSBC
2.Lloyds Banking Group
3.Zenith Bank


The table above concludes the Church House Trust SWOT analysis along with its marketing strategy and brand parameters.

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