China CITIC Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 957
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SWOT Analysis of China CITIC Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

China CITIC Bank

Parent Company

CITIC Group Corporation

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

-

USP

China’s seventh-largest lender in terms of total assets

STP

Segment

Segmentation is done on basis of income: low, middle and high income

Target Group

Targets middle and high income people

Positioning

Offer effective and timely financial solutions to customers with cross-border banking and financial needs between China and the rest of the world

SWOT Analysis

Strengths

1. Part of CITIC Group Corporation which is a leading state owned multinational financial and industrial conglomerate
2. Offers in-depth knowledge and market connectivity to its clients with support from CITIC Group Corporation
3. Strong client oriented structure and focused on delivering solutions with transparency, integrity and professionalism
4. Has a team of highly qualified professionals with a diverse experience in international banking
5. Over 35000 people form a part of the organisation

Weaknesses

1. Deposit franchise is weak compared to other banks
2. Low ROA and ROE
3. Bottom line growth is more sensible to NIM change

Opportunities

1. The Chinese Central Government’s macroeconomic policy is maintaining an easing stance
2. Growth of investment in the fixed assets in China has been at a high level even during the time of crisis
3. The new Chinese Government is expected to focus more on the anti-corruption campaign, which would ultimately lead to more consumer spending and investment

Threats

1. Uneven and muted recovery is expected in the European and

US economies in 2013
2. Threat of shadow banking is prevalent in china
3. Rapid emergence of internet in china provide a range of online financial services which are a threat to the banks

Competition

Competitors

1. China Merchants Bank Co. Ltd
2. Bank of Beijing Co. Ltd
3. Shanghai Pudong Development Bank Co. Ltd



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