HBOS SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 990

SWOT Analysis of HBOS with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis


Parent Company

Lloyds Banking Group


Finance and Insurance


Banking & Financial Services

Tagline/ Slogan



UK’s largest mortgage lender



Retail (personal) segment, corporate segment

Target Group

Targets those customers who want either complex, full-service financial advice or a basic product with no advice


As a fifth force in British Banking to the established Big Four UK retail banks

HBOS SWOT Analysis


Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of HBOS :

1. UK’s largest provider of mortgages
2. Huge retail customers base over 20 million
3. As a group it employs about 70,000 people worldwide (resource advantage)
4. One of the top provider of investment products in UK


1. Due to economic downturn, shortage of credit between the banks and increased mortgage defaults, HBOS was taken over by Lloyds Bank
2. Lost 80 percent market value due to speculation and rumors of short selling in 2008
3. Systemic mortgage fraud throughout HBOS before the takeover


1. Takeover by Lloyds TSB offered financial security
2. More stable footing
3. It can target retail savings accounts as the public is still reluctant to move their cash around


1. Economic downturn: Recession
2. Less disposable income with increase in unemployment
3. Credit crunch syndrome

HBOS Competition


Below are the 3 main HBOS competitors :

1. Barclays
3. The Royal Bank of Scotland Group

The brandguide table above concludes the HBOS SWOT analysis along with its marketing and brand parameters. Similar analysis has also been done for the competitors of the company belonging to the same category, sector or industry.


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