 SWOT ANALYSIS : 

The overall evaluation of a organization’s strengths, weakness,

opportunities & threats is called SWOT Analysis. It is a strategic planning tool used to evaluate the
strengths, weakness, opportunities & threats and involves specifying the objective of the
organization and identifying the internal and external factors that are favorable and unfavorable to
achieving that objective. A SWOT analysis is designed to help an organization & provide you with
information that helps in making decisions about your future. Before conducting a SWOT analysis,
1st
you defining and agreeing upon an objective.The key steps in conducting
a SWOT analysis include:
1. Brainstorming lists of strengths, weaknesses, opportunities & threats
2. Take the list of ideas and reduce them
3. Review each idea separately and discuss each of these ideas
4. Remember that the ideas with SWOT analysis is to gain a better
understanding & look at the internal strengths and weaknesses of
the org. and see how they relate to the opportunities and threats
5. In final step, categorize those steps which are helpful for the
org. such as strength in internal environment & opportunities in the external environment, while
categorize those steps which are harmful for the org. such as weaknesses in the internal
environment
& threats in the external environment. We avoid & exploit these two factors.
 SWOT Analysis Of PICIC Commercial  Bank : 
1. Strengths:
The attributes of the organization that is helpful to achieving the objective. In other
words, the activities that an organization does well. The strengths of  PICIC Commercial  Bank 
is given as under ;
i. Abundance of manpower. ( Permanent & contingent employees )
ii. PICIC Commercial Bank has made its mark as a complete service provider for its customers.
As technology advances, PICIC Commercial Bank providing many facilities such as
online banking,
( customers can access their accounts For deposits, withdrawals or inquiries ) credit cards,
Loans, Savings, Consumer Banking etc. Customers who do not wish to use the credit
card for payment can choose to send their payments through checks / drafts / pay orders. A
credit card is different from a debit card in that it does not remove money from the user's
account after every transaction. In the case of credit cards, the issuer lends money to the user to
be paid to the merchant.
iii. Introducing Telebanking services through 24 hour; call at 0800-50000, for attracting large
number of customers.

 Statement by Fax
 Branch List by Fax
 Product Information
iv. The PICIC Commercial Bank’s Easy Pic Car Financing Scheme is specifically designed for
individuals & must be resident of Pakistan and can purchase a brand new car for their personal
use on easy monthly Installments.
 v. The bank provides the service of ATM / Debit Card,
which is convenient and secure payment tool. It
completely eliminates the need to carry cash and make
payments through it.
vi. Effective recruitment of talented & skillful individuals.

vii. For maintaining the employees, the PICIC Commercial Bank provides the facility of health, 

employee relations….etc
viii. The PICIC Commercial Bank introduce new product. For this purpose the bank may analyses 
the product life cycle ( PLC ).
ix. All staff members are well mannered in communications, & following the ethics.  
x. In recent years, the PICIC Commercial Bank starts the ‘Suggestion Programs’.      
xi. The segments of the PICIC Commercial Bank are expanding in recent years. The PICIC
Commercial Banks operates in four segments which are given as under;
a. The Corporate Banking segment includes underwriting and initial public offering
b. The Trading and Sales segment represents fixed income, equity, foreign exchanges,
commodities, credit, funding, securities, lending.
c. The Retail and Consumer Banking segment represents retail lending, deposits, private
lending
d. The Commercial Banking segment represents projects finance, trade finance, leasing,
lending, guarantees and bills of exchange.

2. weakness :
The attributes of the organization those are harmful to achieving the objective. In
other words, the activities that an organization lakes or does not well. The weakness of PICIC 
Commercial  Bank is given as under ;
i. Shortage of skillful labor / manpower that will leads the organization from success to failure.
ii. The big problem is liquidity risk which reflects the corporations’s inability to rise funds.
iii. No proper procedures for training the manpower.
iv. Low research & development for product & service innovation.
v. Lake of managerial & financial skills of manpower.
vi. Absenteeism & turnover rate is too high that’s results the conflicts in the organization.
vii. There is no training & educational program for the staff members to improve their performance,
efficiency and other skills.
viii. There is no concept of motivating the employees means to give the reward, bonus,
compensations & benefits…etc
ix. Job satisfaction of contengent employees is low. ( For e.g. part time employees, temporary
employees, contract workers )
x. Supervision is week ,which cause delay in work & there is no use of cameras in the bank.

3. Opportunities :
                                 The external factor that is helpful to achieving the objective of the organization.
In simple words, opportunities means, the favorable chances in the external environment due to 
 which organization achieve growth & enhancement.  The opportunities of PICIC Commercial 
Bank is given as under ;
i. Organization is made up two types of recourses, such as physical & human resources which
comes
from external environment. If we utilize theses two resources efficiently, then there is no doubt
to say that, it is the opportunity for the organization, in order to achieve growth.
ii. In the age of globalization for achieving growth, the competent / skillful / English speaking
employees are on of the requirement of the organization.
iii. The PICIC Commercial  Bank can increase the extensive advertisements of new products,
services, vacancies, in order to increase customers & heir competent employees.
iv. In order to achieve economic growth, the PICIC Commercial Bank expands the research &
development department. Because the focus of these department is to introduce & innovate new
products & services…..etc

v. Effective communication with customers will lead the organization towards success.
vi. The PICIC Commercial Bank accepts money from savers & uses those funds to make loans to
the demanders of the funds. The bank increase the amount of loan, in order to attract the large
number of customers. You can get the maximum amount of loan such as 2 lacks but the
repayment period is 5 years & you can repay the loan through only cheques.
vii. The PICIC Commercial Bank involves in creating public relations that will increase the
profitability of the bank. Often, public relations are conducted through the media that is,
newspapers, T.V, magazines, internet….etc that’s attract a large number of customers.
viii. The bank is large & expanding day by day because customer accepts it. Its network expanded to
136 branches, in 48 cities.

4. Threats :
The external factors that is harmful to achieving the objective. In simple words, threats 
means,   the   unfavorable   chances   in   the   external   environment   due   to   which   organization   not 
achieve growth & enhancement. The threats of  the PICIC Commercial  Bank is given as under ;
i. We avoid discrimination because it is harmful for the organization in achieving its objective. We
hire the employees from external environment. Right person is for right for job.
ii. Major credit risk is concentrated in textile & industrial sector. In recent years the   PICIC 
Commercial Bank is using the credit limits for managing the credit risk & obtains adequate
collaterals from their customers.
iii. The PICIC Commercial Bank provides no accommodation facility in the external environment 
for employee, which also increase the absenteeism. 
iv. To avoid illegal activities in external environment. To take bribe or any other benefit from people
will reduce the image of the organization.