Public Bank SWOT Analysis, USP & Competitors

Public Bank (Malaysia)

Parent Company

Public Bank

Category

Banking

Sector

Banking & Financial Services

Tagline/ Slogan

Excellence & beyond

USP

A customer caring bank

Public Bank STP

Segment

Retail Banking

Target Group

Home Loans, Auto Loans and SMEs

Positioning

To sustain the position of being the most efficient, profitable and respected premier financial institution in Malaysia.

Public Bank SWOT Analysis

Strengths

1.  One of the top 3 banking group in Malaysia by asset size
2.  Public Bank Group serves the financial needs of over eight million customers from all walks of life in Malaysia and in other countries in which the Group operates
3.  Unbroken profit track record of the Group
4.  Leader in residential mortgages, passenger vehicle financing and commercial property financing in Malaysia

Weaknesses

1. Only a regional player and limited global presence
2. Need more branches as the reach is scarce compared to leading banks

Opportunities

1. Overseas Operations and collaborations
2. Business diversifications like Insurance and Mutual funds
3. New business specific products for Small and medium scale enterprises

Threats

1. Increasing competition in home mortgages will inevitably result in some compression of the net interest margin
2. Sovereign Debt crisis in the Euro Zone
3. Higher capital requirements under Basel III

Public Bank Competition

Competitors

1. AMMB Holdings Berhad
2. Bank Muamalat Malaysia Berhad
3. Bank Pembangunan Malaysia Berhad