Yamagata Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 575
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SWOT Analysis of Yamagata Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Yamagata Bank

Parent Company

Yamagata Bank

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

Continue to develop

USP

Contribute to the development of local communities and local economy

STP

Segment

Deposit business, lending business, securities investment business and exchange business

Target Group

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

Positioning

It is focused on providing a diverse range of banking products and services

SWOT Analysis

Strengths

1. The Yamagata Bank has most of the bank’s branches (80 branches) are in Yamagata prefecture, or other major cities in the Tohoku region, with a branch in Tokyo
2. Strong capital base highlights its good financial health
3. A + rating by Japan Credit Rating Agency
4. The bank has made continuous acquisitions to improve its financial services base

Weaknesses

1. Interest income was reduced due to low interest rates and prolonged recurring revenues
2. Increased ordinary expenses, credit costs and financing cost
3. Capitalization which is weaker than the regional bank average

Opportunities

1. Corporate profits, is a response to the upward demand for restoration and reconstruction-related capital investment providing signs of recovery in the second half.

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. Addition to the downturn in the European economy, slowing Chinese economy, the U.S. economy is growing, exports or decreased trend
2. Production activities of enterprises are weak, capital investment is also moving to poor resilience
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. Sumitomo Mitsui Banking Corporation

5. The Joyo Bank, Ltd.

6. The Ehime Bank, Ltd.

 


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