Capitec Bank SWOT Analysis, Competitors & USP

Published by MBA Skool Team, Last Updated: April 26, 2020

Capitec Bank SWOT analysis evaluates the brand by its strengths, weaknesses, opportunities & threats. In SWOT Analysis of Capitec Bank, the strengths and weaknesses are the internal factors whereas opportunities and threats are the external factors.

SWOT Analysis is a proven management framework which enables a brand like Capitec Bank to benchmark its business & performance as compared to the competitors, and make strategic improvements. Capitec Bank is one of the leading brands in the banking & financial services sector.

The article below lists the Capitec Bank SWOT, competitors and includes its target market, segmentation, positioning & USP. Let us start the Capitec Bank SWOT Analysis:

SWOT Analysis of Capitec Bank

For Capitec Bank, SWOT analysis can help the brand focus on building upon its strengths and opportunities while addressing its weaknesses as well as threats to improve its market position.

Capitec Bank Strengths

The strengths of Capitec Bank looks at the key aspects of its business which gives it competitive advantage in the market. Some important factors in a brand's strengths include its financial position, experienced workforce, product uniqueness & intangible assets like brand value. Below are the Strengths in the SWOT Analysis of Capitec Bank :

1. Licensed by Reserve Bank of South Africa -> instills confidence to its customers
2. Has a diversified product portfolio to offer to its customers
3. Over 3.5+ million customers and 500 branches
4. Has recently touched the top five banks list in South Africa

5. Over 7000+ employees in the organization

6. The products include Loans, Checking, Savings, Investments, Debit Cards

Capitec Bank Weaknesses

The weaknesses of a brand are certain aspects of its business which are it can improve to increase its position further. Certain weaknesses can be defined as attributes which the company is lacking or in which the competitors are better. Here are the weaknesses in the Capitec Bank SWOT Analysis:

1. Has limited coverage of corporate banking products
2. Mostly confined to South Africa

Capitec Bank Opportunities

The opportunities for any brand can include areas of improvement to increase its business. A brand's opportunities can lie in geographic expansion, product improvements, better communication etc. Following are the opportunities in Capitec Bank SWOT Analysis:

1. Can form strategic alliance or acquire other banks to capture more market & increase its asset base
2. Can diversify into corporate Banking domain
3. Can expand to other geographies

Capitec Bank Threats

The threats for any business can be factors which can negatively impact its business. Some factors like increased competitor activity, changing government policies, alternate products or services etc. can be threats. The threats in the SWOT Analysis of Capitec Bank are as mentioned:

1. Highly dependent upon the macroeconomic conditions of the country
2. Ebola virus has affected the social development index of South Africa-> affecting the bank’s profitability and its operations
3. Market share might get compromised in future because of major players in the market

Capitec Bank Competitors

There are several brands in the market which are competing for the same set of customers. Below are the top 8 competitors of Capitec Bank:

1. Standard Bank Group
2. Absa Group
3. FirstRand Bank Group

4. Nedbank Group

5. Investec Group

6. Bidwest Bank Ltd.

7. Imperial Bank

8. Sasfin Bank Ltd.

Hence this concludes the Capitec Bank SWOT analysis.

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About Capitec Bank

Capitec Bank Overview
Parent Company

Capitec Bank


Financial Institutions


Banking & Financial Services

Tagline/ Slogan

Simplicity is the ultimate sophistication


One of the leading banks of South Africa which provides a diverse range of financial products and services to its customers

Capitec Bank STP

Banking & Financial Services

Target Market

Individuals, firms and large investors


A commercial bank which offers wide range of financial products and services to its customers

This article has been researched & authored by the Content & Research Team. It has been reviewed & published by the MBA Skool Team. The content on MBA Skool has been created for educational & academic purpose only.

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