Hua Xia Bank SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 1485

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

Hua Xia Bank

Parent Company

Hua Xia Bank


Regional Banks


Banking & Financial Services

Tagline/ Slogan

Thanks for Your Concern, Help Us to Grow


A brand of "SME Financial Service Provider"

Hua Xia Bank STP


Electronic banking, personal banking, corporate banking and SME credit banking

Target Group

Provides financial services to corporate and individual customers


Hua Xia Bank matches financial services with customers’ demand by supporting the projects to serve the "Agriculture, Rural Areas and Farmers" in serving the micro and small enterprises (MSEs)

Hua Xia Bank SWOT Analysis


Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of Hua Xia Bank. Strengths are:

1. Hua Xia Bank has in place a "hub-and-spoke" network of 30+ tier-1 branches, 20+ tier-2 branches, 12 cross-city sub-branches and 400+ outlets in 68 major cities

2. They also have a settlement network of more than 1000 correspondent banks located across 110 countries

3.Hua Xia Bank witnessed fast growth and gained impressive profitability with improving asset quality and optimized business structures

4. Hua Xia Bank was top100 among The Banker's Top 1000 World Banks ranking published in July

4. Hua Xia Bank won the "SME Support Award" in the Bank Competitiveness Ranking in Asia and was named "Best SME Finance Bank"

5. Hua Xia Bank received numerous awards including "China Banking Association Social Responsibility Practice Award"


Here are the weaknesses of Hua Xia Bank :

1.High cost and high risk in SME financial business

2. The bank has no international presence and hence geographic concentration affecting competitive strengths against international peers.

3. Dependent on volatile financial market to maintain profits.


Following are the Opportunities of Hua Xia Bank :

1. Fast-proceeding interest rate liberalization in China is opening the avenues for more profitable business

2. Deepening financial disintermediation in Chinese domestic financial market, opening the financial market
3. Growing banking sector in Asia Pacific region

4. China has over 50 million small and micro enterprises (SMEs) majority of which rarely had much experience of modern financial services

5. International expansion likely to bolster revenues, the bank should try to expand its presence in overseas markets


The threats of Hua Xia Bank are as mentioned :

1. Slowdown in Chinese economy may impact loan and earnings quality
2. Rising deposit reserve requirement ratio to limit credit disbursement. The rise in deposit reserve requirement ratio will mean banks will have to set aside more of their deposits on reserve. This could have negative impact on business growth.
3. Increasing competition from foreign banks. For instance, the Bank of East Asia, Citibank, DBS Bank, Hang Seng Bank, HSBC, and Standard Chartered estimate that they will collectively operate over 500 branches and sub-branches.

4. Rising deposit reserve requirement ratio to limit credit disbursement

Hua Xia Bank Competition


Below are the 3 main Hua Xia Bank competitors :

1. China Minsheng Banking Corporation Ltd.

2. China Merchants Bank Co., Ltd.

3. Bank of Ningbo Co., Ltd

The brandguide table above concludes the Hua Xia Bank 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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