African Bank Limited SWOT Analysis, Competitors, STP & USP

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

SWOT analysis of African Bank Limited analyses the brand/company with its strengths, weaknesses, opportunities & threats. In African Bank Limited 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 African Bank Limited to benchmark its business & performance as compared to the competitors and industry. African Bank Limited is one of the leading brands in the banking & financial services sector.

The table below lists the SWOT (Strengths, Weaknesses, Opportunities, Threats), top African Bank Limited competitors and includes African Bank Limited target market, segmentation, positioning & Unique Selling Proposition (USP).

African Bank Limited SWOT Analysis, Competitors, Segmentation, Target Market, Positioning, USP & Brand Analysis Table
African Bank Limited Brand Analysis
Parent Company

African Bank Investments Limited

Category

Banking and Financial Services

Sector

Banking & Financial Services

Tagline/ Slogan

Credit that works for you

USP

A bank which aims to be the best place to get loans for all purposes.

African Bank Limited STP
African Bank Limited Segmentation

African nationals and corporate and business houses

African Bank Limited Target Market

African home owners and businesses in need of financial services

African Bank Limited Positioning

A bank which offers loans at comfortable terms and rates.

African Bank Limited SWOT Analysis
African Bank Limited Strengths

Below are the Strengths in the SWOT Analysis of African Bank Limited:

1.  The bank provides a variety of services such as credit cards, personal loans, savings and investment schemes, funeral plan etc.
2. The bank has received the credit ombudsman award for consecutive years
3. The analyst’s outlook for the bank look positive with the EPS and dividends per share expected to increase over the next two years.
4.  The bank has taken corrective action quickly to address the weak economic scenario.

5. It is a locally controlled bank by the Reserve Bank of South Africa

African Bank Limited Weaknesses

Here are the weaknesses in the African Bank Limited SWOT Analysis:

1. Weak economic outlook can affect the activities of the bank as disposable income gets eroded and investor confidence goes down.
2. The quality of banks assets have gone down, with non-performing loans increasing which is a concern
3. The credit impairment charge has been increased last year, reflecting the difficulty that bank is facing in collecting the dues.

African Bank Limited Opportunities

Following are the Opportunities in African Bank Limited SWOT Analysis:

1. Increasing living standards of customers can be seen as a sign of optimistic future.
2. Demographic dividend – The African population in the age group of 18 to 64 (working class) is increasing, therefore bank can look forward to more customers over the years.

3.  The should introduce loan products which are more suited to current needs of the customers base.

African Bank Limited Threats

The threats in the SWOT Analysis of African Bank Limited are as mentioned:

1. The bank can face default risk if it fails to meet its obligations towards its customers.
2. The bank can face risk due to downgrading by credit rating agencies in the future.
3. The bank can face interest rate risk, due to market interest rates moving in a direction which is unfavourable to the bank.

African Bank Limited Competition
Competitors

Below are the top 3 African Bank Limited competitors:

1. First Rand Bank
2. Nedbank Limited
3. Investec Bank Limited


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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