Bank Negara Indonesia SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 3209

SWOT Analysis of Bank Negara Indonesia with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Bank Negara Indonesia

Parent Company

Bank Negara Indonesia


Regional Banks


Banking & Financial Services

Tagline/ Slogan



Strives to be the bank of choice by providing excellent service and value added solutions to all of its customers

Bank Negara Indonesia STP


Segmentation is based on the type of customer: personal segment and the business segment

Target Group

Individuals and enterprises who are seeking financial and banking solutions


Provides all banking and financial services related to the business segment

Bank Negara Indonesia SWOT Analysis


Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of Bank Negara Indonesia :

1. It has over 1500 branches and  9+ million customers worldwide

2. It is among the top banks in the Indonesian banking sector based on assets, lending and third party deposits

3. Focused more on aggressively growing its low cost funds to maintain Net Interest Margin, while conservatively expanding its loan portfolio to focus more on improving loan quality

4. Over 18000 people work for the bank with its presence in Singapore, Hongkong, Tokyo, London and Newyork


1. Decline in profitability ratios such as ROA and ROE was a result of less optimal revenue engine in generating interest income and fee based income

2. Though the bank’s assets increased, its net liabilities have also increased in the previous year which led to less profit after tax


1. Needs to focus on improving the performance of its subsidiaries to provide higher contribution to the Bank’s consolidated performance

2. Market risk management needs to get attention as the market risk profile posted an increase as a result of a revitalization of the treasury business

3 The loan growth should prioritized on quality growth by implementing selective and prudent loan disbursement policy through comprehensive risk management implementation so that it can minimize the possibility of loan default


1. Stiffer competition may lead to thinner margins will make efficiency the key success factor for the bank

2. More focus should be on cost efficiency to sustain this competitive industry

3. Owing to the crisis, people are into more savings and less investment which reduces the fees collected by the bank for its services

Bank Negara Indonesia Competition


Below are the 3 main Bank Negara Indonesia competitors :

1. PT Bank Permata Tbk

2. PT Bank Internasional Indonesia Tbk

3. PT Bank Mandiri (Persero) Tbk

The brandguide table above concludes the Bank Negara Indonesia 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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