Description
SWOT ANALYSIS OF HIROSHIMA BANK
Hiroshima Bank
Parent Company
Hiroshima Bank
Category
Regional Banks
Sector
Banking and Financial Services
Tagline/ Slogan
Aiming to become a bank local people turn to first
The bank's growth strategy focuses on both loans to small-to-mediumUSP sized enterprises and to individuals in its home market.
STP
Retail Banking, Loans, insurance services, credit facilities, asset management services, venture capital support, investment trust and Segment cash management services
Individuals, Small, medium & large enterprise looking for diverse Target Group financial solutions
It is focused on providing a diverse range of banking products and Positioning services
SWOT Analysis
1. In addition to 170 branches and offices in Japan, the Bank has representative offices in Shanghai and Bangkok, covering the entire area of China and Southeast Asia 2. Strong franchise in Hiroshima Prefecture, its home market 3. Good liquidity profile, as indicated by its low loan-to-deposit ratio Strength 4. Improving asset quality
1. Weak profitability relative to its risk-weighted assets 2. Capitalization which is weaker than the regional bank average 3. Concentration in exposures to the auto-related industry and shipping Weakness industry
1. Demand from emerging markets is helping growth and margins 2. The Private Equity industry has enormous potential in Japan 3. A political shakeup in Japan could force many new reforms that fix the country’s most glaring problems while positioning it for a more robust future Opportunity 4. In view of the stabilizing local economy, there is still room for the
bank to find growth opportunities in its home market
1. Persistently strong competition in the loan market the weak economy of Hiroshima Prefecture, particularly in light of the ongoing sluggishness of exports, production and consumer spending 2. Fiscal Austerity Programs will slow growth rates 3. As Japan's population ages, they will run down their savings and in turn, have less money to purchase Japanese debt. This decrease in demand will increase the interest rate paid by Japanese government. As interest rates increase, so will the threat of a fiscal crisis in Japan 4. Intramural squabbling at newly merged banks has kept them from streamlining operations or cutting costs quickly, and in some cases has produced embarrassing disasters like days-long crashes of automated Threats teller networks
Competition
1. Sumitomo Mitsui Financial Group, Inc. 2. Mizuho Financial Group Competitors 3. The Daisan Bank., Ltd
doc_619576462.docx
SWOT ANALYSIS OF HIROSHIMA BANK
Hiroshima Bank
Parent Company
Hiroshima Bank
Category
Regional Banks
Sector
Banking and Financial Services
Tagline/ Slogan
Aiming to become a bank local people turn to first
The bank's growth strategy focuses on both loans to small-to-mediumUSP sized enterprises and to individuals in its home market.
STP
Retail Banking, Loans, insurance services, credit facilities, asset management services, venture capital support, investment trust and Segment cash management services
Individuals, Small, medium & large enterprise looking for diverse Target Group financial solutions
It is focused on providing a diverse range of banking products and Positioning services
SWOT Analysis
1. In addition to 170 branches and offices in Japan, the Bank has representative offices in Shanghai and Bangkok, covering the entire area of China and Southeast Asia 2. Strong franchise in Hiroshima Prefecture, its home market 3. Good liquidity profile, as indicated by its low loan-to-deposit ratio Strength 4. Improving asset quality
1. Weak profitability relative to its risk-weighted assets 2. Capitalization which is weaker than the regional bank average 3. Concentration in exposures to the auto-related industry and shipping Weakness industry
1. Demand from emerging markets is helping growth and margins 2. The Private Equity industry has enormous potential in Japan 3. A political shakeup in Japan could force many new reforms that fix the country’s most glaring problems while positioning it for a more robust future Opportunity 4. In view of the stabilizing local economy, there is still room for the
bank to find growth opportunities in its home market
1. Persistently strong competition in the loan market the weak economy of Hiroshima Prefecture, particularly in light of the ongoing sluggishness of exports, production and consumer spending 2. Fiscal Austerity Programs will slow growth rates 3. As Japan's population ages, they will run down their savings and in turn, have less money to purchase Japanese debt. This decrease in demand will increase the interest rate paid by Japanese government. As interest rates increase, so will the threat of a fiscal crisis in Japan 4. Intramural squabbling at newly merged banks has kept them from streamlining operations or cutting costs quickly, and in some cases has produced embarrassing disasters like days-long crashes of automated Threats teller networks
Competition
1. Sumitomo Mitsui Financial Group, Inc. 2. Mizuho Financial Group Competitors 3. The Daisan Bank., Ltd
doc_619576462.docx