RHB BANKING GROUP

SWOT ANALYSIS

Strengths

● 4th largest bank in Malaysia

● offer a comprehensive rang of financial product and services
● strong cash flow
● strong management team
● strong financial performance
● strong growth of its Islamic banking SBU
● ranked in top 30 Malaysia brand 2008
● strategic relationship with EPF

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

Mohd Rizal Kismath Batcha 2008