Strengths

 Jusan Bank has many good employees and a high level of service. The bank's employees are honest and decent,
ambitious, responsible and reliable
 Jusan Bank has a good form of banking automation that connects the customer service service in the bank's office
with the bank's customer accounts in the back office.
 Jusan Bank understands the client's path well, as for an adequate assessment of the bank's client's path, it is
extremely important to catch the client's voice, carefully listening to his motives, expectations, desires and needs,
as well as his assessment of the existing client experience.
 The Bank has a wide range of services such as loans, transfers, deposits, cash and settlement services, currency
services, trust services, information and consulting services, investment services
 The Bank has a strong corporate social responsibility. This means that the bank takes into account the interests of
society, assuming responsibility for the impact of their activities on firms and other stakeholders in the public
sphere.
 Easy-to-use applications. Jusan Bank has the Jusan app. Jusan is a mobile application with a wide range of
services for those who value time and prefer to keep everything under control.
 Car insurance. Jusan Bank can insure your car. There are insurance services such as Compulsory car insurance
OGPO VTS, Motor vehicle insurance CASCO, DGO for car owners, Carrier liability insurance
 Health insurance. Jusan Bank can insure your health. Insurance services: Insurance of persons traveling abroad,
Accident insurance "Talisman", Insurance of migrant workers from accidents, Medical insurance of foreign
citizens
 Weaknesses
 No distinctive features of the product. All products of the bank have similarities with the products of
other banks
 Undifferentiated products. Products of Jusan Bank are products with homogeneous properties
 Limited online advertising experience. Jusan Bank has recently started advertising on social
networks and therefore they have little experience in online advertising
 Limited success on social media. Since the bank has recently started advertising on social networks,
it does not have much success there
 A wide competitive set. There are bigger banks in Kazakhstan than Jusan Bank. Such as Caspian
Bank, Halyk Bank, Sberbank.
 Unrecognizable image.
 Jusan Bank changed its name in 2019. Many people used to know this bank as "Tsesnabank".
 The bank has a large percentage of overdue loans. According to the Forbes website, Jusan Bank has
44.1% of overdue loans, which is more than the top 10 banks in Kazakhstan.
 No experience in creating attractive online content. The bank has only recently started creating
online content in social networks.
 Opportunities
 Develop a culture of customer relationships. Culture is how your employees and customers support your company's vision,
values and mission. With a positive customer service culture, your employees will feel able to put the customer first
 Attract new customers with special offers. Attracting new customers helps to increase sales of bank services, because the more
potential customers you attract, obviously, the more services you can sell. Many people call this strategy ”ordinary
marketing”, forgetting about its downside, namely customer retention.
 Transition to a customer-oriented marketing approach. Modern marketing is consumer-oriented when you shape your strategy
around what your customers want. The philosophy of consumer-oriented marketing requires finding out what your customers
want
 Expansion of the product range. Expanding your product line means you can expand your target audience and expand your
customer base.
 Differentiate the product offer more clearly. Good product differentiation highlights the unique advantages of the bank's
services. That's why it's important to clearly explain why Bank offers better quality services and a more memorable
experience than your competitors.
 Expansion of the number of banks. An increase in the number of banks will be convenient for customers and therefore the
number of new customers will increase
 Creating more attractive content on social networks. Engaging content marketing can help increase brand awareness.
Increasing brand awareness is an important part of expanding your online reach.
 Become a breakthrough innovation. Breakthrough innovations bring much more significant changes in technology and
business models. Breakthrough innovations, often referred to as "game-changers", create a greater competitive advantage than
incremental innovations. It is more difficult for competitors to respond to breakthrough innovations
 Threats
 Becoming a Laggard in the market. Consumers are becoming increasingly price-sensitive. High sensitivity to the price means that customers are most
likely not to buy the product, since the bank has a large loan interest. Thus, an increase in the percentage for services with high sensitivity is an extreme
measure.
 Inability to build a customer base in the long term. Building a strong customer base is incredibly important for any e-commerce brand. When you have
a loyal and strong customer base, it means that you send the right messages to the right people and offer the right products, and if you don't, it's bad
 A growing competitive set. New banks are opening in Kazakhstan, as well as banks from other countries are going to open their branches in
Kazakhstan.
 Fraud on the Internet. Online fraud occurs for a variety of reasons, including real-life friend fraud, friendly fraud, and the consequences of industry
impacts such as EMV and data leaks. These online scams on behalf of Jusan Bank can worsen the image of the bank
 Malware. End-user devices such as computers and mobile phones that have been compromised by malware pose a threat to the bank's cybersecurity
every time they connect to your network. Confidential data passes through this connection, and if malware is installed on the end user's device without
proper protection, this malware can attack the bank's networks.
 Growing expectations. Today's consumer is smarter, smarter and more informed than ever before, and expects a high degree of personalization and
convenience from their banking services. Changing customer demographics play an important role in these increased expectations: with each new
generation of banking customers comes a more innate understanding of technology and, as a result, an increased expectation of digital experience.
 Customer retention. Financial services customers expect a personalized and meaningful experience thanks to simple and intuitive interfaces on any
device, anywhere and anytime. Although the quality of customer service is difficult to quantify, customer turnover is palpable, and customer loyalty is
rapidly becoming an endangered concept. Customer loyalty is a product of fruitful relationships with customers, which begin with getting to know the
customer and his expectations, as well as with the introduction of a permanent customer-oriented approach
 .Security breaches. Due to a number of high-profile security breaches over the past few years, security is one of the main problems of the banking
industry, as well as a serious problem for customers of banks and credit unions. Financial institutions should invest in the latest technological security
measures to ensure the security of confidential clients, such as: Address Verification Service (AVS), End-to-End Encryption (E2EE), Authentication.
Can any of your strengths help with improving your weaknesses
or combating your threats? If so, please describe how below.

1) As I have already said, Jusan Bank understands the client's path well and attentively listens
to his motives, expectations, desires and needs, so they will be able to compensate for the
lack of experience in creating attractive online content
2) By creating a lot of online content in social networks, they will be able to compensate for
the limited experience of online advertising
3) Over time, they will also be able to gain success on social media
4) As I have already said, Jusan Bank has a good form of banking automation, so they will be
able to compensate for a wide competitive set
Based on the information above, what are your
immediate goals/next steps?
1) Become the best bank in social networks
2) Create more engaging social media content
3) Develop more customer relationship culture
4) Attract more new customers with the help of special networks
Based on the information above, what are your
long-term goals/next steps?
1) Build many bank branches in each city
2) Build many regional branches in the CIS countries
3) Increase equity by at least 1000 billion tenge
4) To increase the bank's assets at least 1000 billion tenge