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strength and weakness of bank which can be wriiten

strength and weakness of bank which can be wriiten

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Published by: m_ebad on Apr 18, 2010
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11/25/2012

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Strength:1. Teamwork is one of the most important strength of the Saudi Pak commercial Bank. Although thestrength of the employees in the bank was less then the requirement, but all of the employees workslike a team. So achieving the goal was not a big problem2. As Mirpur is the only industrial city of A.K , and there is tax exempt on a new industry for the first fiveyears of the production so industry is flourished in that specific region .so there is huge margin of deposits and consumer banking in Mirpur.3. As changing trend in banking sector all the banks moving towards the consumer banking but SaudiPak Commercial Bank is one of the pioneer of the consumer banking.4. As compare to the other banks Saudi Pak Commercial Banks markup rates are less than the othercommercial banks.5. The other strength of Saudi Pak Commercial Bank is, its a multinational bank.6. Instead of consumer banking, general banking in Mirpur is also not difficult because on of the reason Ihave mentioned above that its a industrial area so they dont have any problem of deposits andsecondly lot of our customer are settled in the foreign countries. So they are lot of foreign remittances.?Weaknesses:1. On of the major weakness of Saudi Pak Commercial Bank is that they dont have Online Services.
 
2. Unfortunately we are still not able to provide the ATM service to our customer, which is big loop inour banking structure.3. Saudi Pak Commercial Bank has less branches as compare to other banks.4. Another weakness of Saudi Pak Commercial bank still not provide the Credit Card and Debit Cardservices, which are very necessary in this world of competition.5. Saudi Pak Commercial Bank is not promoting its services as they should be promoted so they areunder promoting their products6. Saudi Pak Commercial Bank still lacks the proper banking infrastructure7. Saudi Pak Commercial Bank bears less staff than required which enhance the pressure on theemployees working.Opportunity:1. As government of Pakistan has decided upraise the Mangle Dam. So their would be more door openin business sector and while having the services of consumer banking we can grow much faster thanother banks.2. As information technology is helping with different fields of business and banking so its theopportunity for us to utilize the information technology to achieve our major goals.3. Mirpur is a growing market of Azad Jammu & Kashmir, because it has an easy access to the majormarket in Pakistan. So this is an also opportunity to have some portion of this growing market.
 
4. Changing attitude of the people towards the consumer banking is one of the major opportunity tomake our loyal customers5. As in the coming future Saudi Pak Commercial Bank is introducing the new services in the market, sothis can be an opportunity to attract the different customer and grow in the market.6. Through promotional strategy we still have the opportunity to attract more customer.?Threats:1. As the deposits rates are reducing due to which people shifting their investment in Stock Marketinstead of Money Market.2. Saudi Pak Commercial Bank facing the threat of large number of growing competitors. Such as Alfalah,Union, Citi e.t.c3. Instability in the political condition on local national and international level is also threat to lose thecustomer4. Economic conditions of Pakistan can turn down any time which also a threat5. as Mirpur is situated in Azad Jammu and Kashmir and Kashmir is the bone of contention betweenPakistan and India so the foreign investor hesitate to invest in Mirpur AJK.

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