Swot analysis

SWOT is an acronym for the internal Strengths and Weaknesses of a firm and the environmental Opportunities and Threats facing that firm. SWOT analysis is a widely used technique through which managers create a quick overview of a companys strategic situation. The technique is based on the assumption that an effective strategy derives from a sound fit between a firms internal resources (strengths and weaknesses) and its external situation (opportunities and threats). A good fit maximizes a firms strengths and opportunities and minimizes its weaknesses and threats. Accurately applied, this simple assumption has powerful implications for the design of a successful strategy.

State Bank of India

State Bank of India (SBI) is the leading commercial bank in India, offering services such as retail banking, commercial banking, international banking and treasury operations. The bank is an integral part of State Bank Group, which includes seven other banks and offers additional services such as mutual funds and insurance. The bank primarily operates in India. It is headquartered in Mumbai, India and employs about 179,205 people.

PNB Bank Limited pnb is a diversified financial services company that provides a range of banking and financial services to customers, including retail banking, project and corporate finance, working capital finance, insurance, venture capital and private equity, investment banking, broking, and treasury products and services. Strength Products aligned to Government schemes PNB has over 25000 employees Online Telebanking facility is available to all its Core Banking Customers, individual as well as corporate Strong domestic market makes PNB a leading public sector bank in India Steady financial performance and relatively higher efficiency generates higher returns for shareholders.

Weaknesses Advertising is lesser which leads to lower brand presence Increase in nonperforming loans reduces the profitability of the company

Opportunities Rural financing and loans to small enterprises could increase the market share and profitability of pnb Growth in general insurance industry will help increasing the market share of pnb

Threats Economic crisis Highly competitive environment

 Rising interest rates coupled with slowdown in the economy could result in higher delinquencies.

SWOT ANALYSIS OF UNION BANK OF INDIA

Strength Financial products for agricultural sector Products aligned to Government schemes Emphasis on Customer Satisfaction Union bank of India has over 27,700 employees It has representative offices in Abu Dhabi, United Arab Emirates, and Shanghai, Peoples Republic of China, Australia and a branch in Hong Kong. Online Telebanking facility are available to all its Core Banking Customers, individual as well as corporate UBI has an excellent technological platform with 100% core banking solution rollout and increased use of electronic mode in transactions (12% of the total transactions). This helps the bank reduce risk, improve efficiency and reduce costs significantly. Weakness Nominal International presence as compared to leading players Advertising is lesser which leads to lower brand presence Opportunity Small scale business banking More global penetration through International banking Acquisition of smaller local banks Threats Economic crisis Highly competitive environment

Rising interest rates coupled with slowdown in the economy could result in higher delinquencies. Increasing money supply and inflationary pressures may prompt RBI to continue monetary tightening at least in the short-term. Stringent Banking Norms