Tows Matrix of Citigroup
TOWS Matrix
Strengths- S
1. Financial resources
2. Recognized as the world’s largest bank in terms of market capitalization
3. Broad product portfolio
4. Formulation of the Japan Desk
5. Strong market position and brand before the 2004 FSA crisis Weaknesses- W
1. Weak internal control
2. Unclear lines of authority
3. Lack of customer care
4. Unethical governance
5. Lack of reputation with regulatory agency
Opportunities- O
1. Banks in Japan play an important role in financing and monitoring public firms OS Strategies
(O1,S3, S5) focus on retail and commercial banks in Japan OW Strategies
(O1,W1,W5) establish sound internal control
(O1,W2) organizational restructuring/establish fixed line of authority
(O1,W3,W4) reconsider focus in corporate governance
Threats – T
1. Difficulty in earning the trust in banking and finance industry
2. Regulatory body’s concern for public interest TS Strategies
(T1, S4) establish customer service
(T1,S1) increased perceived benefit to clients
(T1,T2, S1) corporate Social Responsibility TW Strategies
(T1,T2,W3) establish customer service in the company
(T1,W3) increased perceived benefit to clients
(T1,T2,W4) modify emphasis in corporate governance
(T2,W1,W5) establish sound internal control
1. Focus on retail and commercial banks in Japan
Advantages Disadvantages
** reengineer their retail and commercial banks
2. Establish sound internal control
Advantages Disadvantages
Costly to implement
** improve and substantiate their internal control mechanisms (control environment, etc)
3. Organizational restructuring/establish fixed line of authority
Advantages Disadvantages
Costly to implement
**establish a centralized system (clear out the responsibility of one personnel from the other)
4. Reconsider focus in corporate governance
Advantages Disadvantages
Realization of company’s current priority Possibility that an imbalance will still occur
**
Strengths- S
1. Financial resources
2. Recognized as the world’s largest bank in terms of market capitalization
3. Broad product portfolio
4. Formulation of the Japan Desk
5. Strong market position and brand before the 2004 FSA crisis Weaknesses- W
1. Weak internal control
2. Unclear lines of authority
3. Lack of customer care
4. Unethical governance
5. Lack of reputation with regulatory agency
Opportunities- O
1. Banks in Japan play an important role in financing and monitoring public firms OS Strategies
(O1,S3, S5) focus on retail and commercial banks in Japan OW Strategies
(O1,W1,W5) establish sound internal control
(O1,W2) organizational restructuring/establish fixed line of authority
(O1,W3,W4) reconsider focus in corporate governance
Threats – T
1. Difficulty in earning the trust in banking and finance industry
2. Regulatory body’s concern for public interest TS Strategies
(T1, S4) establish customer service
(T1,S1) increased perceived benefit to clients
(T1,T2, S1) corporate Social Responsibility TW Strategies
(T1,T2,W3) establish customer service in the company
(T1,W3) increased perceived benefit to clients
(T1,T2,W4) modify emphasis in corporate governance
(T2,W1,W5) establish sound internal control
1. Focus on retail and commercial banks in Japan
Advantages Disadvantages
** reengineer their retail and commercial banks
2. Establish sound internal control
Advantages Disadvantages
Costly to implement
** improve and substantiate their internal control mechanisms (control environment, etc)
3. Organizational restructuring/establish fixed line of authority
Advantages Disadvantages
Costly to implement
**establish a centralized system (clear out the responsibility of one personnel from the other)
4. Reconsider focus in corporate governance
Advantages Disadvantages
Realization of company’s current priority Possibility that an imbalance will still occur
**