Security Bank P2

ORGANIZATIONAL CHART

MARKET POSITION ANALYSIS

Based on Assets (as of December 2016) Universal Bank

Total Assets 5% 5% 5%

4% 22%

BDO

Metrobank

BPI

Landbank

MARKET POSITION ANALYSIS

Based on Assets (as of December 2016) Universal Bank

Total Assets 5%

4%

5%

22%

5%

BDO

Metrobank

BPI

Landbank

PNB

Security Bank

China Bank

DBP

UnionBank

RCBC

7%

16%

7%

14% 15%

1. BDO Unibank Inc

2,198,231,090,443.50

2. Metropolitan Bank & TCO (Metrobank)

1,552,519,858,382.80

3. Bank of the Philippine Islands (BP)

1,451,040,495,617.09

4. Land bank of the Philippines

1,395,366,418,772.49

5. Philippine National Bank

711,285,437,931.03

6. Security Bank Corp

695,661,472,313.01

7. China Banking Corp

552,868,394,721.56

8. Development Bank of the Philippines (DBP)

535,780,386,053.74

9. Union Bank of the Philippines

458,743,681,567.19

10. Rizal Commercial Banking Corp (RCBC)

419,292,947,595.39

Commercial Bank

Total Assets

4%

4%

5% 30%

6%

7%

1.

Citibank, N.A.

2.

AUB

3.

Maybank

4.

PBCom

5.

Robinsons Bank

6.

The Bank of Tokyo -Mitsubishi

7.

BDO Private Bank

8.

Philippine Veterans Bank

9.

JP Morgan Chase Bank

8%

9%

17% 10% 10. CTBC Bank (Phil)

1.

Citibank, N.A.

2.  Asia United Bank Corporation

298,303,909,583.15 163,019,684,604.42

3.

Maybank Philippines Incorporated

96,474,942,099.33

4.

Phil Bank Communications

84,237,299,525.26

5.

Robinsons Bank Corporation

75,883,170,153.42

6.

The Bank of Tokyo  –Mitsubishi UFJ Ltd

66,432,339,348.51

7.

BDO Private Bank

62,207,558,233.87

8.

Philippine Veterans Bank

50,772,516,400.17

9.

JP Morgan Chase Bank National Assn.

40,629,546,337.55

10. CTBC Bank (Phil)

35,883,133,753.24

SWOT ANALYSIS Security Bank Corp.

This SWOT Analysis of Security Bank Corp. provides a strategic report of businesses and operations of the company. The SWOT analysis shows strengths, weaknesses, opportunities and threats. This SWOT analysis of Security Bank Corp. can provide a competitive advantage. SWOT - Strengths 1. existing distribution and sales networks 2. domestic market 3. barriers of market entry 4. experienced business units 5. high profitability and revenue 6. The industry has unique products. 7. The industry shows a strong diversification. 8. The industry is more robust than the economy in general. 9. monetary assistance provided 10. Innovative culture. SWOT - Weaknesses 1. brand portfolio 2. taxes 3. There might be too less suppliers. 4. Profitability could be higher in this industry. 5. High loan rates 6. Online presence 7. Customer service 8. Vulnerable to risk 9. Structural weaknesses 10. Low brand recognition SWOT - Opportunities 1. new products and services 2. New trade agreements between countries are possible. 3. New products and services are possible. 4. Online Market 5. International Expansion 6. Acquisition synergies 7. New technology 8. Expanding the advisory and other services offered to clients, investors and other banks 9. Boosting the bank's reputation as a reliable partner 10. Building new client relationship SWOT - Threats

1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

increasing costs increasing rates of interest financial capacity government regulations tax changes Automation is an unknown factor for this industry. The industry sees new market entrants. Political risks Industry competitions Bad acquisitions

INTERNAL FACTOR EVALUATION (IFE)

KEY INTERNAL FACTORS SWOT - Strengths 1. existing distribution and sales networks 2. domestic market 3. barriers of market entry 4. experienced business units 5. high profitability and revenue 6. The industry has unique products. 7. The industry shows a strong diversification. 8. The industry is more robust than the economy in general. 9. monetary assistance provided 10. Innovative culture. SWOT - Weaknesses 1. brand portfolio 2. taxes 3. There might be too less suppliers. 4. Profitability could be higher in this industry. 5. High loan rates 6. Online presence 7. Customer service 8. Vulnerable to risk 9. Structural weaknesses 10. Low brand recognition TOTAL

Weight

Rating

Weighted Score

0.02 0.02 0.03 0.03 0.1 0.07 0.1

4 3 3 4 4 3 3

0.08 0.06 0.09 0.12 0.4 0.21 0.3

0.01 0.15 0.05

4 4 3

0.04 0.6 0.15

0.07 0.07 0.03 0.05 0.03 0.05 0.05 0.04 0.02 0.01 1

2 1 1 2 2 2 2 1 1 2

0.14 0.07 0.03 0.1 0.06 0.1 0.1 0.04 0.02 0.02 2.73

COMPETITIVE PROFILE MATRIX (CPM)

Critical Success Factors

1. Product and Price Competition 2. Financial Position 3. Market Share 4. Management 5. Local Branches 6. Foreign branches 7. Employees 8. E-commerce and technology 9. Advertisement 10. Customer Loyalty TOTAL

Critical Success Factors

1. Product and Price Competition 2. Financial Position 3. Market Share 4. Management 5. Local Branches 6. Foreign branches 7. Employees 8. E-commerce and technology 9. Advertisement 10. Customer Loyalty TOTAL

Security Bank Weighted Weight Rating Score

BDO

Rating

Weighted Score

0.15

3

0.45

4

0.6

0.2 0.15 0.1 0.1 0.05 0.05 0.05 0.05 0.1 1

4 3 4 3 1 4 3 3 3

0.8 0.45 0.4 0.3 0.05 0.2 0.15 0.15 0.3

4 4 4 4 3 4 3 4 4

0.8 0.6 0.4 0.4 0.15 0.2 0.15 0.2 0.4

3.25

3.9

Metrobank Weighted Weight Rating Score

BPI

Rating

Weighted Score

0.15

4

0.6

4

0.6

0.2 0.15 0.1 0.1 0.05 0.05 0.05 0.05 0.1 1

4 4 3 3 3 4 3 3 4

0.8 0.6 0.3 0.3 0.15 0.2 0.15 0.15 0.4

4 4 4 3 4 3 4 4 3

0.8 0.6 0.4 0.3 0.2 0.15 0.2 0.2 0.3

3.65

3.75

Critical Success Factors

1. Product and Price Competition 2. Financial Position 3. Market Share 4. Management 5. Local Branches 6. Foreign branches 7. Employees 8. E-commerce and technology 9. Advertisement 10. Customer Loyalty TOTAL

Critical Success Factors

1. Product and Price Competition 2. Financial Position 3. Market Share 4. Management 5. Local Branches 6. Foreign branches 7. Employees 8. E-commerce and technology 9. Advertisement 10. Customer Loyalty TOTAL

Landbank Weighted Weight Rating Score

PNB

Rating

Weighted Score

0.15

2

0.3

4

0.6

0.2 0.15 0.1 0.1 0.05 0.05 0.05 0.05 0.1 1

4 4 3 3 1 3 2 2 3

0.8 0.6 0.3 0.3 0.05 0.15 0.1 0.1 0.3

4 3 3 4 1 4 3 2 3

0.8 0.45 0.3 0.4 0.05 0.2 0.15 0.1 0.3

3

3.35

China Bank Weighted Weight Rating Score

DBP

Rating

Weighted Score

0.15

2

0.3

3

0.45

0.2 0.15 0.1 0.1 0.05 0.05 0.05 0.05 0.1 1

3 3 3 1 4 3 3 3 2

0.6 0.45 0.3 0.1 0.2 0.15 0.15 0.15 0.2

3 4 4 1 2 3 2 1 3

0.6 0.6 0.4 0.1 0.1 0.15 0.1 0.05 0.3

2.6

2.85

Critical Success Factors

1. Product and Price Competition 2. Financial Position 3. Market Share 4. Management 5. Local Branches 6. Foreign branches 7. Employees 8. E-commerce and technology 9. Advertisement 10. Customer Loyalty TOTAL

UnionBank Weighted Weight Rating Score

RCBC

Rating

Weighted Score

0.15

3

0.45

3

0.45

0.2 0.15 0.1 0.1 0.05 0.05 0.05 0.05 0.1 1

3 2 3 1 3 2 4 3 3

0.6 0.3 0.3 0.1 0.15 0.1 0.2 0.15 0.3

3 3 3 2 1 3 3 3 2

0.6 0.45 0.3 0.2 0.05 0.15 0.15 0.15 0.2

2.65

2.7