African Bank Limited SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 5551

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 also lists the top African Bank Limited competitors and elaborates African Bank Limited market segmentation, target group, positioning & Unique Selling Proposition (USP).

African Bank Limited SWOT, Competitors, Marketing STP & 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
Segment

African nationals and corporate and business houses

Target Group

African home owners and businesses in need of financial services

Positioning

A bank which offers loans at comfortable terms and rates.

African Bank Limited SWOT Analysis
Strengths

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

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

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.

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.

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

The brandguide table above concludes the African Bank Limited 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. Browse marketing analysis of more brands and companies similar to African Bank Limited. The BrandGuide section covers SWOT Analysis, USP, STP & Competition of more than 6000 brands from over 20 categories. This SWOT and marketing analysis has been researched & authored by our BrandGuide Research Team members.

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