Internal O1. Expansion of new investment areas with the

Internal Factors Analysis
Summary (IFAS)

S.L

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Internal factors

Weight

Rate
(1-5)

Weighted score

Comments

Strengths

S1

Branch
location is favorable for business and customer.

0.15

5

0.75

Helps
to get more customers.

S2

A wide range of
diversified products lines for the
customers.

0.15

4

0.60

Attract
to retain the clients.

S3

Regulatory performance is strong and positive.

0.10

4

0.40

Builds
strong brand image to the client.

S4

Bank has an interactive corporate culture.

0.10

4

0.40

Attract
the clients.

Weaknesses

W1

Insufficient
focus on quality customer service and mortgage banking.

0.15

3

0.45

Discourage
the customers.

W2

Lack of motivation for workers.

0.10

2

0.20

Demotivated
workers

W3

Shortage of skilled
workforce.

0.10

1

0.10

Minimize
the work efficacy.

W4

The
high-interest rate on loan.

0.15

5

0.75

Minimize
the investment and profit.

 

Total score

1.00

28

3.65

 

 

 

 

External Factors Analysis
Summary (EFAS)

S.L

Internal factors

Weight

Rate
(1-5)

Weighted score

Comments

Opportunities

O1

Expansion
of new investment areas with the innovative business idea.

0.10

4

0.40

Increase
the investment and creates new business.

O2

The investment
opportunity is arising for export-import
loans.

0.15

5

0.75

Increase
the investment of loan.

O3

In case of fund crises,
the bank gets support from the
government.

0.15

5

0.75

No
risk to be bankrupted.

O4

The bank undertakes need-based
training program.

0.10

4

0.40

Helps
trainee to be more efficient.

Threats

T1

The political
instability of the country.

0.10

5

0.50

Highly
influences the banking performance.

T2

Newly developed privatized and a foreign bank.

0.15

4

0.60

Hard
to compete.

T3

Policies are not practiced properly.

0.10

3

0.30

Bad
effects on employee performance.

T4

The economic downturn
and a high inflation rate of the country economically.

0.15

4

0.60

Minimize
the profit and influence the performance of the bank.

 

Total score

1.00

34

4.3

 

 

 

TOWS Matrix

 
 
(IFAS)
 
 
 
 
 
 
 
 
 
(EFAS)

            Strengths

Weaknesses

S1.
Branch location is favorable for business and customer.
 
S2. A wide range of
diversified products lines for the
customers.
 
S3. Regulatory performance is strong and positive.
 
S4. Bank has an interactive corporate culture.
 

W1.
Insufficient focus on quality customer service and mortgage banking.
 
W2. Lack of
motivation for workers.
 
W3. Shortage of
skilled workforce.
 
W4.
The high-interest rate on loan.

Opportunities

SO Strategies

WO Strategies

O1.
Expansion of new investment areas with the innovative business idea.
 
O2.
The investment opportunity is arising for export-import loans.
 
O3.
In case of fund crises,
the bank gets support from the
government.
 
O4. The bank undertakes need-based training program.
 

SO1.
JBL branch location can make customer demand through the new investment.
 
SO2.
By providing loan through the diverse product line to their clients.
 
SO3.
Follows rules and regulations strongly; sometimes gets financial support to
get rid of crisis.
 
SO4.
By training, program bank creates a strong interactive culture with each other.

WO1.
Increase the customer services through the investment.
 
WO2.
Ensure the worker’s satisfaction by
training.
 
WO3.
coordinate the credit interest rates with investment.
 
 
 
 

Threats

ST Strategies

WT Strategies

T1.
The political instability of the country.
 
T2.
Newly developed privatized and a foreign bank.
 
T3.
Policies are not practiced properly.
 
T4.
The economic downturn and a high inflation rate of the country
economically.

ST1.
Provides a wide range of service in to operate a business than others.
 
ST2.
Implement strong rules and regulations for practicing policies properly.                               
 

WT1.
Escalate employee motivation by practicing the policies.
 
WT2.
Focus on qualitative customer service and to avoid political influence.
 
WT3.
adjust interest rate with loan investment to capture the competitive market
position.
 
 

 

 

External Environment
Analysis of JBL

The PESTEL analysis of banking
sector is utilized as a strategic tool which helps and help assist the banking
company growth. A PESTLE analysis will provide a clear path which anybody with worthy
business learning can take after. The analysis
will offer an outward look and the environment based external banking in light
of organizations due to the widespread activities which may affect and influence the crusades, frameworks,
and approaches.

Banking area assumes a
vital part of the economy to work
suitably. It has earned the noteworthiness likewise as the backbone in the economic and financial matters
such as providing credits and collect
deposits from people, states, businesses, various individuals and solving the
households finance. In all the economic frameworks, banks assume a basic part
in executing money related strategy and in addition helps in planning and
organizing objectives. All banking system adds to accomplish profit by
utilizing all methods.

 

Political Factors

The overall restrictions,
limitations, and boundaries are taken into account in the banking system. This
helps the new venture which will be anticipated shape Government. It is best to
perceive the patterns that how stable and shape the political condition and
what kind of government approaches will help to affect the laws. Following are
the political factors which affect in
making a stable banking system.

§  Government
stability and its type

§  Laws,
corruption, and level of bureaucracy

§  The
role of press or social media

§  Regulated
and deregulated trends

§  Tax
policies

§  Employment
legislation

§  Government
expenditure levels

§  Foreign
trade regulation

 

Technological Factors

The advancement of
technology assumes a pivotal part of the
keeping banking industry. It is essential for the competitive advantage and
proves to be a core driver for the globalization.  Technology provides a variety of quality
products and services at reasonable rate. For the banks, the internet services are
fundamental, and they need to use it to give more efficient and practical
service. The innovative components do assume an essential part of managing an account
industry. The technological factors do play an important role in the banking industry.

§  Technological
transfer and its impact

§  Emerging
technologies

§  Internet,
remote working and communication costs

§  Rate
technological change

x

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