Description
SWOT ANALYSIS OF HOKKOKU BANK
Hokkoku Bank
Parent Company
Hokkoku Bank
Category
Regional Banks
Sector
Banking and Financial Services
Tagline/ Slogan
-
USP
One of the most financially sound of Japan's regional banks
STP
Segment
Loans, insurance and leasing segments
Target Group
Individuals and business enterprises
Helping clients track the international financial trends and support their Positioning overseas activities
SWOT Analysis
1. The bank operates through a network of 110+ branches, loan centers and two overseas representative offices and it employs around 2000 people 2. The bank has initiated a plan to improve its branding. This plan aims to establish the “Hokkoku brand” as a familiar and beloved name for the people in the region 3. It plays a major emphasis on quality, cost and speed with which it was able to garner a strong customer base Strength 4. The bank also gives foreign exchanges services to customers
1. The bank is not focused on the personal banking segment which is increasing at a growing pace and is missing on the opportunities provided 2. Cash and cash equivalents have decreased when compared to the previous year and this would affect the bank’s ability to cover its short term liabilities 3. The operating expenses have increased when compared to the Weakness precious years which reduces the profit after tax
Opportunity
1. The bank can expand in the personal banking and asset management sector both of which are bound to increase in the coming
years 2. It can diversify its portfolios so that the systematic risk can be eliminated 3. As there is a loss of impairment in the fixed assets, it would be advisable to lease them instead of purchasing them so that they can save on the other expenses
1. Interest income on loans has decreased as the customers are skeptical about taking loans owing to a bleak economic scenario 2. As the bank is primarily concentrated in Japan, it increases the geographic risk posed to the bank 3. There is existing rivalry in this sector and in order to tackle this, the banks would reduce the commission and the fees which would Threats adversely affect the performance of the bank
Competition
1. Sumitomo Mitsui Financial Group, Inc. 2. The Musashino Bank, Ltd. Competitors 3. The Fukui Bank, Ltd
doc_512216986.docx
SWOT ANALYSIS OF HOKKOKU BANK
Hokkoku Bank
Parent Company
Hokkoku Bank
Category
Regional Banks
Sector
Banking and Financial Services
Tagline/ Slogan
-
USP
One of the most financially sound of Japan's regional banks
STP
Segment
Loans, insurance and leasing segments
Target Group
Individuals and business enterprises
Helping clients track the international financial trends and support their Positioning overseas activities
SWOT Analysis
1. The bank operates through a network of 110+ branches, loan centers and two overseas representative offices and it employs around 2000 people 2. The bank has initiated a plan to improve its branding. This plan aims to establish the “Hokkoku brand” as a familiar and beloved name for the people in the region 3. It plays a major emphasis on quality, cost and speed with which it was able to garner a strong customer base Strength 4. The bank also gives foreign exchanges services to customers
1. The bank is not focused on the personal banking segment which is increasing at a growing pace and is missing on the opportunities provided 2. Cash and cash equivalents have decreased when compared to the previous year and this would affect the bank’s ability to cover its short term liabilities 3. The operating expenses have increased when compared to the Weakness precious years which reduces the profit after tax
Opportunity
1. The bank can expand in the personal banking and asset management sector both of which are bound to increase in the coming
years 2. It can diversify its portfolios so that the systematic risk can be eliminated 3. As there is a loss of impairment in the fixed assets, it would be advisable to lease them instead of purchasing them so that they can save on the other expenses
1. Interest income on loans has decreased as the customers are skeptical about taking loans owing to a bleak economic scenario 2. As the bank is primarily concentrated in Japan, it increases the geographic risk posed to the bank 3. There is existing rivalry in this sector and in order to tackle this, the banks would reduce the commission and the fees which would Threats adversely affect the performance of the bank
Competition
1. Sumitomo Mitsui Financial Group, Inc. 2. The Musashino Bank, Ltd. Competitors 3. The Fukui Bank, Ltd
doc_512216986.docx