Resource Based View – VRIN Analysis

In Non –
Category Resources/Capabilities Valuable Rare Substitutable
Comments
-imitable
People's Trust Yes Yes Yes Yes
Sustainable Competitive
Customer Brand Name Yes Yes Yes Yes
Advantage
Loyal Customers Yes Yes Yes Yes

Distribution Network Yes Yes No No

Operating Model Yes Yes No No
Operations/ Local Market Knowledge Yes Yes No No
Temporary Competitive advantage
Products Door Step Service
Yes Yes No No
Centers
Asset Focus (MFI) Yes Yes No Yes

Online/ Mobile Banking Yes No No No

Technology Primary Data Center Yes No No No Competitive Parity
Disaster Recovery Center Yes No No No

Financials/ Low NPA Yes No No No

Competitive Parity
Assets Capital Adequacy Yes No No No

Motivated Workforce Yes Yes Yes Yes Sustainable Competitive

Employees
Strong Culture Yes Yes Yes Yes Advantage
Resource Based View – VRIN Analysis
In Non –
Category Resources/Capabilities Valuable Rare Substitutable
Comments
-imitable
People's Trust Yes Yes Yes Yes
Sustainable Competitive
Customer Brand Name Yes Yes Yes Yes
Advantage
Loyal Customers Yes Yes Yes Yes

Distribution Network Yes Yes No No

Operating Model Yes Yes No No
Local Market
Operations/ Yes Yes No No
Knowledge Temporary Competitive advantage
Products
Door Step Service
Yes Yes No No
Centers
Asset Focus (MFI) Yes Yes No Yes

Online/ Mobile Banking Yes No No No

Technology Primary Data Center Yes No No No Competitve Parity
Disaster Recovery Center Yes No No No

Selective lending(low NPA) Yes No No No

Financials/Assets Competitve Parity
Capital Adequacy Yes No No No

Motivated Workforce Yes Yes Yes Yes

Employees Sustainable Competitive Advantage
Strong Culture Yes Yes Yes Yes
Resource Based View – VRIN Analysis

Customer Based: Sustainable Competitive advantage in the field of MFI

• People’s Trust
• Brand Name
• Loyal Customers
• Product diversification –
• The single product-single focus model leaves Bandhan Bank vulnerable to
risks.
• Bandhan Bank needs to leverage on its resources to increase the depth in
other product offerings such as SME and MSME loans.
• Bandhan bank must stay away from Corporate Loans for the near future.