Charity Bank SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 1204

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

Charity Bank

Parent Company

Charity Bank


Banking and Financial Services


Banking & Financial Services

Tagline/ Slogan

A different bank for people who want a different world.


Ethical banking

Charity Bank STP


British house owners and savers

Target Group

Charities and social enterprises


Lend solely to social purpose organizations at low cost.

Charity Bank SWOT Analysis


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

1. Charity Bank has one of the lowest loan write off rate at 0.5%
2. The bank ensures transparency for savers by revealing details of how their money is lent out to charities and social enterprises.
3. Cited as the Most Ethical ISA by

4. Ethical ISA is rated at the top of Ethical Consumer’s buyers guide for ethical ISA’s.

5. Savers are assured of fair rate of interest for their deposits with the bank.

6. A high degree of customer loyalty. 99% of the customers have indicated that they would recommend the bank to others.


1. Growth of banking activity limited by inability to raise funds.
2. Operations are limited to just one geographical location – the United Kingdom. Hence its impact is limited to charities within UK.
3. Most customers are first time borrowers.


1.Plans to expand operations to enable financing of more charities – plans to grow balance sheet upto 250mn. Pounds by 2017.
2.Ongoing discussions with regulators and other existing shareholders for restructuring of legal structure to enable the bank to accept capital in a form and from sources which the banks legal structure does not permit otherwise. This will increase the ability to raise funds.


1.Interest rate risks – this refers to the risk of interest rate fluctuations resulting a mismatch between the assets owned by the bank and the liabilities
2.Liquidity risk – the bank is exposed to the threat of not having enough liquid assets at any point of time to meet its obligations.
3.Default risk – the bank is exposed to the risk of counterparties not being able to meet their obligations in terms of repayment of loans.

Charity Bank Competition


Below are the 3 main Charity Bank competitors :

1.Triodos Bank
2.Futurebuilders England
3.Unity Trust Bank


The brandguide table above concludes the Charity 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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