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SWOT ANALYSIS
Strengths
Weaknesses
● lack of promotions and advertising
● weak retail layout and web design
● average volume of branch network
● weak in consumer financial retail
● lack of relationship building with community
● weak image of on line banking
● ranked 6th in banking industry bank value
Opportunities
● growing demand of Islamic financial product and services
● increase of on line banking
● growing middle income customers market
● significant expansion in ASEAN region
● industry consolidation
● favorable banking industry legislations and policies
● technological changes
● increase of new branch network
Threats
● aggressive competition strategy among the main banks
● safety issues of on line banking
● competition with international bank due to liberalization of domestic market
● M&A among major competitor
● economic uncertainty in global market
● fears on the credibility of Islamic banking ethical compliance and monitoring systems