Hua Nan Commercial Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 632

SWOT Analysis of Hua Nan Commercial Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Hua Nan Commercial Bank

Parent Company

Hua Nan Commercial Bank


Regional Banks


Banking and Financial Services

Tagline/ Slogan

Thanks for Your Concern, Help Us to Grow


A Premier Bank in the Asia-Pacific region, committed to providing Quality Products and Excellent Customer Service



Commercial banking, corporate banking, private banking, investment banking, insurance and wealth management services

Target Group

Provides financial services to corporate and individual customers


A bank providing a range of financial services under one umbrella

SWOT Analysis


1. Strong domestic and international branch network (nearly 200 domestic and overseas branches)

2. Diversified business portfolio on account of various mergers and acquisitions

3. High Capital Adequacy Ratio

4. Launched the “Loans for Small Business Owners” program to help SMEs secure working capital, reduce operating costs and improve financial structure, thereby expanding the Bank’s SME clientele

5. Award for Distinguished Contribution to Electronic Cash Flow Services


1. High cost and high risk in SME financial business

2. Negative Net Income is a concern

2. Dependent on volatile financial market to maintain profits


1. Major economies eased monetary policy

2. A no. of measures conducive to economic development introduced in Taiwan

Fast-proceeding interest rate liberalization in China is opening the avenues for more profitable business

3. Deepening financial disintermediation in Chinese domestic financial market, opening the financial market
4. The Asia-Pacific banks sector is forecast to grow

5. China has over 50 million small and micro enterprises (SMEs) majority of which rarely had much experience of modern financial services


1. Taiwan’s falling exports, Taiwan’s exports fell from the same period a year earlier

2. Slowdown in Chinese economy, China’s growth rate declined, this may impact loan and earnings quality

3. Increasingly reluctant to invest Businesses

4. The rise in deposit reserve requirement ratio will mean banks will have to set aside more of their deposits on reserve. This could have negative impact on business growth.
5. Increasing competition from foreign banks. For instance, the Bank of East Asia, Citibank, DBS Bank, Hang Seng Bank, HSBC, and Standard Chartered estimate that they will collectively operate over 500 branches and sub-branches



1. Chang Hwa Commercial Bank, Ltd.

2. Chiao Tung Bank Company

3. Bank SinoPac

4. Hsinchu International Bank

5. First Commercial Bank


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