Pohjola Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 808
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SWOT Analysis of Pohjola Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Pohjola Bank

Parent Company

Pohjola Group

Category

Banking

Sector

Banking and Financial Services

Tagline/ Slogan

If your business is international, we also make it local

USP

Promotes the prosperity, security and well-being of its customers.

STP

Segment

For anyone who is looking for Financing and financial management solutions.

Target Group

Corporate and Institutional investors

Positioning

Focusing on profitability and an increase in company value, Pohjola Group is committed to strong capitalisation and a shareholderfriendly dividend policy.

SWOT Analysis

Strengths

1. Pohjola is the leading financial services group in Finland with over 4 million customers.

2. Pohjola provides its corporate and institutional customers with a diverse range of banking, non-life insurance and asset management services
3. It ranks among the top corporate lenders in Finland.
4. Provides its domestic customers with a diverse range of financial, investment and payment transfer solutions, also at international level
5. Domestic franchise model is a great value

6. Strong capitalization

8. Pohjola has approximately 34,000 holders of Series A shares.

Weaknesses

1. Geographic concentration in Finland only
2. Restrictions due to compliance of EU norms sometimes affect operations
3. Weaker cost efficiency as compared to leading global banks

Opportunities

1. Opportunities in the bond market like Index linked bond in the equity market.
2. Expansion into European countries through tie-ups
3. Acquisition of smaller financial services and banks

Threats

1. The Euro zone crisis has impacted all countries.
2. Competition from leading international banks entering the market
3. Bank's relatively concentrated exposure to the commercial real estate sector in Finland.

Competition

Competitors

1. Citibank
2. Skandinaviska Enskilda Banken
3. Swedbank

4. Deutsche Bank

5. Danske Bank

6. Nordea Bank Finland

7. Sampo Bank



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