AIB Allied Irish Banks SWOT Analysis, Competitors & USP

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

SWOT analysis of AIB Allied Irish Banks analyses the brand by its strengths, weaknesses, opportunities & threats. In AIB Allied Irish Banks SWOT Analysis, 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 AIB Allied Irish Banks to benchmark its business & performance as compared to the competitors. AIB Allied Irish Banks is one of the leading brands in the banking & financial services sector.

The article below lists the AIB Allied Irish Banks SWOT, competitors and includes its target market, segmentation, positioning & USP. Let us start the AIB Allied Irish Banks SWOT Analysis:

SWOT Analysis of AIB Allied Irish Banks

For AIB Allied Irish Banks, 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.

AIB Allied Irish Banks Strengths

The strengths of AIB Allied Irish Banks 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 AIB Allied Irish Banks :

1. As AIB has a significant importance in the Ireland financial services sector, the government ensures its well-being.

2. With the change of management, the new management has been successful in attracting high quality individuals through rigorous selection and it currently employs about 14000 people.

3. Its overseas presence is significantly higher than its domestic competitors and it has also performed greater international activities than its competitors.

4. It is recognised as the Big four Irish financial institutions

5. Its services include home, travel and health insurance alongwith retirement solutions

AIB Allied Irish Banks 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 AIB Allied Irish Banks SWOT Analysis:

1. AIB has been recording increasing loan losses since the onset of subprime crisis as the credit quality has been deteriorating across various portfolios.

2. The group’s risk management activities are not so successful.

The group is not free from the credit risks with respect to customers and counterparties which could adversely affect the Group’s results, financial condition and further prospects.


AIB Allied Irish Banks 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 AIB Allied Irish Banks SWOT Analysis:

1. It should involve in deleveraging process which would reduce its dependence on monetary authority funding and bring back the loan-to-deposit ratio within the specified limits.

2. As customers are moving towards mobile banking, it should provide more apps for Android and IOS devices.

3. AIB provides services such as Global Treasury, Corporate Banking and Investment Banking and a positive investment climate in the asset management industry would increase the revenues in these sectors.

AIB Allied Irish Banks 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 AIB Allied Irish Banks are as mentioned:

1. Deterioration in the Irish sovereign ratings reduces the government support to AIB.

2. There is prevalence of systematic risk in the Irish banking sector which reduces the investment climate.

3. Its participation in the National Asset Management Agency (“NAMA”) programme gives rise to certain residual financial risks.


AIB Allied Irish Banks Competitors

There are several brands in the market which are competing for the same set of customers. Below are the top 3 competitors of AIB Allied Irish Banks:

1. Bank of Ireland

2. Barclays PLC

3. Halifax plc

Hence this concludes the AIB Allied Irish Banks SWOT analysis.

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About AIB Allied Irish Banks

AIB Allied Irish Banks Overview
Parent Company

Allied Irish Banks (AIB)

Category

Regional Banks

Sector

Banking & Financial Services

Tagline/ Slogan

-

USP

One of the big four commercial banks in Ireland

AIB Allied Irish Banks STP
Segmentation

Segmentationation is based on the type of customer: personal segment, business segment and the wealth management segment.

Target Market

Targets the SME segment

Positioning

One of Ireland’s largest financial institution


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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