Strenghts:
- Striving to have the best Finnish customer service in selected customer segments by 2015.
- Aktia is a relatively small bank and it strives to offer even more personal service and learn to know their customers.
Weaknesses:
- Their biggest competitors such as OP, Danske Bank and Nordea.
- Because Aktia is a smaller bank it has a smaller budget than it's bigger competitors and therefore it always doesn't have the fundings to keep up with their competition in terms of new technology and such.
Opportunities:
- To do better customer service than it's competitors for private customers and smaller companies.
Threats:
- Uncertain economic situation
- Competitors (see above)
- Fluctuations in stock-, interest- and currency rates -> demand on services depends on these factors
- Changes in intrestrates, output and credit margins influences the interest margin -> can influence profitability
- New regulations can result in higher capital requirements, sharper competition on deposits, higher fixed costs and in the long-run higher lending margins -> less people willing to take loans
/ Jasmine
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