Description
SWOT ANALYSIS OF ALPHA BANK
Alpha Bank Parent Company Category Sector Tagline/ Slogan Alpha Bank Regional Banks Banking and Financial Services A commercial bank that provides business and personal banking services STP Segments the market based on type of customers: retail, corporate and investment segments Targets all the segments Provide comprehensive banking services which satisfies the needs of the customers SWOT Analysis 1. It is one of the largest groups in the financial sector in Greece, with a strong presence in domestic and international markets. 2. Offers a wide range of high quality financial products and services in personal banking, asset management, private banking, etc. to name a few. 3. It has a strong domestic presence with more than 450 branches and has one of the highest capital ratios in Greece. Strength 4. Alpha bank is the only issuer and acceptor of all the three major international payment systems. 1. Bank’s IT infrastructure is not at par with those of the competitors which leads to loss of customers due to poor service.
USP
Segment Target Group
Positioning
Weakness
2. The bank’s presence is mainly in Greece and it increases the risk as the geographic concentration in poor. 3. Suffered heavy losses due to the participation in the bond exchange program in the private sector without analyzing the risks involved. 1. Demand for retail bank loans are expected to increase with the picking up of the Greece economy. 2. Decrease in loans was less severe compared to the decrease in the deposits thereby increasing the loan/deposit ratio. 3. More focus on improving the mortgage portfolio with the purpose of restructuring debt and ensure that the debts are services smoothly. Opportunity 4. Tieups with global financial institutions can stabilse the fluctuations of the economy 1. Consumer credit suffered a major blow for the third consecutive year with the credit expansion down 2. Deposits sector also takes a hit with more people withdrawing their money as a result of bleak economic scenario. Threats 3. Lack of demand for housing loans segment which resulted in the decrease in banks results which has shrunk Competition 1. Piraeus Bank S.A. 2. Bank Of Greece Competitors 3. National Bank of Greece SA
doc_627298710.docx
SWOT ANALYSIS OF ALPHA BANK
Alpha Bank Parent Company Category Sector Tagline/ Slogan Alpha Bank Regional Banks Banking and Financial Services A commercial bank that provides business and personal banking services STP Segments the market based on type of customers: retail, corporate and investment segments Targets all the segments Provide comprehensive banking services which satisfies the needs of the customers SWOT Analysis 1. It is one of the largest groups in the financial sector in Greece, with a strong presence in domestic and international markets. 2. Offers a wide range of high quality financial products and services in personal banking, asset management, private banking, etc. to name a few. 3. It has a strong domestic presence with more than 450 branches and has one of the highest capital ratios in Greece. Strength 4. Alpha bank is the only issuer and acceptor of all the three major international payment systems. 1. Bank’s IT infrastructure is not at par with those of the competitors which leads to loss of customers due to poor service.
USP
Segment Target Group
Positioning
Weakness
2. The bank’s presence is mainly in Greece and it increases the risk as the geographic concentration in poor. 3. Suffered heavy losses due to the participation in the bond exchange program in the private sector without analyzing the risks involved. 1. Demand for retail bank loans are expected to increase with the picking up of the Greece economy. 2. Decrease in loans was less severe compared to the decrease in the deposits thereby increasing the loan/deposit ratio. 3. More focus on improving the mortgage portfolio with the purpose of restructuring debt and ensure that the debts are services smoothly. Opportunity 4. Tieups with global financial institutions can stabilse the fluctuations of the economy 1. Consumer credit suffered a major blow for the third consecutive year with the credit expansion down 2. Deposits sector also takes a hit with more people withdrawing their money as a result of bleak economic scenario. Threats 3. Lack of demand for housing loans segment which resulted in the decrease in banks results which has shrunk Competition 1. Piraeus Bank S.A. 2. Bank Of Greece Competitors 3. National Bank of Greece SA
doc_627298710.docx