77 Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 1344
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SWOT Analysis of 77 Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

77 Bank

Parent Company

77 Bank Ltd

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

Best creative bank

USP

A bank committed to Earthquake reconstruction and revitalizing the regional economy

STP

Segment

Holding deposits for public money and handling payments

Target Group

Individuals, Small, medium & large enterprise looking for diverse financial solutions

Positioning

The 77 Bank continues to strengthen its business foundation and enhance its management quality in order to be the "Best creative bank" that creates a new era together with the region

SWOT Analysis

Strengths

1. The Bank is the largest in the Tohoku region, with a branch network of 140 domestic branches covering the northern part of Honshu, Japan's largest island

2. 77 Bank started New Medium-term Management Plan for supporting the earthquake recovery and to revitalize the regional economy

3. It has strengthen its loan and consulting capabilities related to revitalizing the economy hit by earthquake in the region

4. Identify borrowing needs through visiting to customers and strengthening the efforts targeted at housing demand

Weaknesses

1. Core Operating income decreased despite a decrease in expenses because interest income decreased due partly to a decrease in interest on loans

2. Capitalization which is weaker than the regional bank average

Opportunities

1. The impact of Economic stimulus measures put forth by the government, production and exports have started to pick up and personal consumption has been brisk

2. Public investment and housing investment are trending upwards
3. A political shakeup in Japan could force many new reforms that fix the country’s most glaring problems while positioning it for a more robust future

4. In view of the stabilizing local economy, there is still room for the bank to find growth opportunities in its home market

Threats

1. The slowdown of economic activity overseas poses a risk to Japan
2. Anticipated deposit withdrawals and future demand for funds accompanying the progress of reconstruction
3. As interest rates increase, so will the threat of a fiscal crisis in Japan

4. Intramural squabbling at newly merged banks has kept them from streamlining operations or cutting costs quickly, and in some cases has produced embarrassing disasters like days-long crashes of automated teller networks

Competition

Competitors

1. The Musashino Bank, Ltd.

2. The Chiba Kogyo Bank, Ltd.

3. The Shiga Bank, Ltd.

4. Aozora Bank Ltd.

5. The Miyazaki Bank Ltd

6. Sumitomo Mitsui Banking Corporation

7. Culture Convenience Club Co., Ltd



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