Space Matrix
Essay by Zomby • December 7, 2011 • Essay • 661 Words (3 Pages) • 1,778 Views
Environmental Stability Rating
1. Banking sector is experiencing high inflation and political instability -4.0
2. Competitive Pressure is high in service industry -2.0
3. Price range of competing products -3.0
4. Technological change -2.0
5. Risk of defaults -4.0
6. Privatization of banks -4.0
Total -19.0
SPACE MATRIX
ES Average= -19/6
= -3.167
Financial Strength Rs. In '000' Rating
1. ROIs 2.482 5
2. Cash Flow 11,787,928 4
3. Net Income 17,371,007 4
4. Paid up Capital 103,000,000 6
5. Revenues 1,715,352 3
6. Single shareholder with 74% shareholding
5
Total 27
FS average= 27/6
= 4.5
Competitive Advantage Ratings
1. Market share 7th largest bank in Pakistan -2
2. The customers feel secure when they use products and services of the bank and consider it an honest and worthwhile bank hence increasing customer loyalty -3
3. Technological advancement, online transaction and phone banking. -4
4. Highest paid up capital of 103 billion. -1
5. Largest number of corporate customers. -2
6. Active call centre available 24/7 where all customers can execute financial or non financial transactions. -4
Total -16
CA Average= -16/6
= -2.67
Industry Strength Rating
1. High profit potential in banking sector. 5
2. High growth potential of the banking/services industry. 6
3. Ease of entry into market 3
4. Increase in interest rate by SBP is beneficial for banks profitability 4
5. Huge demand for consumer financing 3
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