Punjab National Bank SWOT Analysis, Competitors & USP

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

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

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

SWOT Analysis of Punjab National Bank

For Punjab National 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.

Punjab National Bank Strengths

The strengths of Punjab National 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 Punjab National Bank :

1.  Diversified operations with 5100 branches
2.  Strong I. T support with “best fit” approach
3.  Schemes for small and medium scale businesses
4. It is the second largest state-owned commercial bank in India with about 5000 branches across 764 cities

5. Its 56,000+ workforce serves over 37 million customers

Punjab National 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 Punjab National Bank SWOT Analysis:

1. Less penetration in the urban areas

2. Inadequate advertising and branding as compared to other banks
3. Legal issues regarding employees caused a bad name of PNB

Punjab National 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 Punjab National Bank SWOT Analysis:

1. Small scale business banking across India
2.  Expansion in other countries for international banking
3. Installation of more ATM’s and better customers services

Punjab National 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 Punjab National Bank are as mentioned:

1.  Economic crisis and economic fluctuations
2.  Highly competitive environment
3. Stringent Banking Norms by the RBI and the Govts

Punjab National Bank Competitors

There are several brands in the market which are competing for the same set of customers. Below are the top 6 competitors of Punjab National Bank:

1.  Indian bank
2.  Andhra Bank

3.  Canara bank
4. ICICI Bank


6. SBI

Hence this concludes the Punjab National Bank SWOT analysis.

Continue reading more about the brand/company.

About Punjab National Bank

Punjab National Bank Overview
Parent Company

Government of India


Banking services


Banking & Financial Services

Tagline/ Slogan

The name you can bank upon


Punjab National Bank is one of the Big Four banks of India

Punjab National Bank STP

Urban and rural banking

Target Market

International  Banking


Complete Banking  solutions

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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