Hyakujushi Bank SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 476
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SWOT Analysis of Hyakujushi Bank with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Hyakujushi Bank

Parent Company

Hyakujushi Bank

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

-

USP

The bank's growth strategy focuses on both loans to small-to-medium-sized enterprises and to individuals in its home market.

STP

Segment

The Banking segment, Leasing segment & credit guarantee, credit card, real estate leasing and management, manpower dispatching, as well as data processing

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. In addition to 160+ branches and offices in Japan, the Bank has representative offices in Shanghai and Bangkok, covering the entire area of China and Southeast Asia
2. Strong franchise in Hiroshima Prefecture, its home market
3. Good liquidity profile, as indicated by its low loan-to-deposit ratio
4. Improving asset quality

Weaknesses

1. weak profitability relative to its risk-weighted assets

2. Capitalization which is weaker than the regional bank average
3. Concentration in exposures to the auto-related industry and shipping industry
4. The sensitivity of Hiroshima Prefecture economy's to foreign exchange rate trends given its export dependence

Opportunities

1. Demand from emerging markets is helping growth and margins
2. The Private Equity industry has enormous potential in Japan
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. Persistently strong competition in the loan market

The weak economy of Hiroshima Prefecture, particularly in light of the ongoing sluggishness of exports, production and consumer spending
2. Fiscal Austerity Programs will slow growth rates
3. As Japan's population ages, they will run down their savings and in turn, have less money to purchase Japanese debt. This decrease in demand will increase the interest rate paid by Japanese government.

4. The "Convoy System" allows small market share for small firm, so they don't disappear, while larger firms are given the ability to quickly expand and compete. The interference of capitalism results in less efficiencies across the entire market and results in less profits for larger firms."

Competition

Competitors

1. The Hyakugo Bank Ltd.

2. The Chugoku Bank, Limited

3. The Hyakugo Bank Ltd.

4. The Toho Bank, Ltd.

5. The Chugoku Bank, Limited

6. The Nanto Bank Ltd

7. Mitsubishi UFJ Financial Group, Inc.

 


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