Swot Analysis Of Kerala Bank: Strategic Insights For Sustainable Growth

Abstract

This research article undertakes a comprehensive SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis of Kerala Bank, a significant player in the state's banking sector, to derive strategic insights for sustainable growth. By examining the internal strengths and weaknesses, alongside external opportunities and threats, this study aims to identify key factors influencing the bank's performance and future prospects. The analysis encompasses an evaluation of Kerala Bank's operational efficiency, financial stability, technological adoption, and market positioning within the unique socio-economic landscape of Kerala. Furthermore, it explores the potential of leveraging emerging opportunities such as digital banking, financial inclusion initiatives, and the growing NRI remittance market, while mitigating threats like increasing competition, regulatory changes, and economic volatility. The findings of this SWOT analysis provide valuable strategic recommendations for Kerala Bank to enhance its competitive advantage, foster sustainable growth, and effectively serve the evolving needs of its stakeholders. This study contributes to the literature on regional banking and offers practical insights for policymakers and practitioners seeking to strengthen the financial sector in Kerala.