Commonwealth Bank SWOT Analysis, Competitors, STP & USP

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

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

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

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

Commonwealth Bank

Category

Banking and Financial Services

Sector

Banking & Financial Services

Tagline/ Slogan

-

USP

Approval of personal loans within the same working day.

Commonwealth Bank STP
Commonwealth Bank Segmentation

Australian citizens and international clients

Commonwealth Bank Target Market

Australian citizens, international clients and businesses requiring banking services

Commonwealth Bank Positioning

A bank which provides services in a simple and effective manner.

Commonwealth Bank SWOT Analysis
Commonwealth Bank Strengths

Below are the Strengths in the SWOT Analysis of Commonwealth Bank:

1. The bank owns various brands such as Bankwest, ASB Bank, Commonwealth Securities Limited and Commonwealth Insurance Limited.
2. The bank has operations in various countries such as New Zealand, Fiji, USA and the United Kingdom
3. The bank is the one of largest Australian listed company on the Australian Securities Exchange.

4. The bank is one of the “Big four” Australian banks, in the same league as National Australian bank, Westpac and ANZ.

5. The bank provides services such as Insurance, Consumer banking, Corporate banking, Investment banking, Global wealth management, Private equity, Mortgages, Credit cards

6. The bank has a strong revenue and increasing profit

7. The bank employs over 44,000 employees . The bank is the only financial services organisation to appear in the Dream Employers' top 20 list of preferred employers

Commonwealth Bank Weaknesses

Here are the weaknesses in the Commonwealth Bank SWOT Analysis:

1. The bank was involved in controversies which was started by a action group and website called “Unhappy Banking”
2. The financial strength rating by Moody’s provided for the Commonwealth bank is B-
3.The bank sees a loan impairment expense which is a concern

Commonwealth Bank Opportunities

Following are the Opportunities in Commonwealth Bank SWOT Analysis:

1. Implementation of technology into the core banking activities will help the bank to increase its quality of services and hence increase its reach.
2.Initiatives such as “One Commbank” helps build relationships with customers which is very important for sustained growth

3. Expansion of activities in Asia and other emerging markets can help the bank to have long term growth.

Commonwealth Bank Threats

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

1. The banks activities and profits are affected by the investor confidence in the global economy. A weak economic outlook can lead to stagnation or decline in growth.
2. The bank can face risk due to changes in foreign exchange rates as it has operation based on various geographies.
3. The bank can face default risk due to counter party not being able to meet their obligations influx

Commonwealth Bank Competition
Competitors

Below are the top 3 Commonwealth Bank competitors:

1. National Australian bank
2. Westpac
3. ANZ


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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