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MS&AD Insurance Group Holdings PK (MSADY) SWOT Analysis / TOWS Matrix / MBA Resources

Introduction to SWOT Analysis

SWOT Analysis / TOWS Matrix for MS&AD Insurance Group Holdings PK (United States)


Based on various researches at Oak Spring University , MS&AD Insurance Group Holdings PK is operating in a macro-environment that has been destablized by – geopolitical disruptions, there is increasing trade war between United States & China, talent flight as more people leaving formal jobs, increasing commodity prices, technology disruption, supply chains are disrupted by pandemic , competitive advantages are harder to sustain because of technology dispersion, digital marketing is dominated by two big players Facebook and Google, there is backlash against globalization, etc



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Introduction to SWOT Analysis of MS&AD Insurance Group Holdings PK


SWOT stands for an organization’s Strengths, Weaknesses, Opportunities and Threats . At Oak Spring University, we believe that MS&AD Insurance Group Holdings PK can use SWOT analysis as a strategic management tool to assess the current internal strengths and weaknesses of the MS&AD Insurance Group Holdings PK, and to figure out the opportunities and threats in the macro environment – technological, environmental, political, economic, social, demographic, etc in which MS&AD Insurance Group Holdings PK operates in.

According to Harvard Business Review, 75% of the managers use SWOT analysis for various purposes such as – evaluating current scenario, strategic planning, new venture feasibility, personal growth goals, new market entry, Go To market strategies, portfolio management and strategic trade-off assessment, organizational restructuring, etc.




SWOT Objectives / Importance of SWOT Analysis and SWOT Matrix


SWOT analysis of MS&AD Insurance Group Holdings PK can be done for the following purposes –
1. Strategic planning of MS&AD Insurance Group Holdings PK
2. Improving business portfolio management of MS&AD Insurance Group Holdings PK
3. Assessing feasibility of the new initiative in United States
4. Making a Insurance (Prop. & Casualty) sector specific business decision
5. Set goals for the organization
6. Organizational restructuring of MS&AD Insurance Group Holdings PK




Strengths of MS&AD Insurance Group Holdings PK | Internal Strategic Factors
What are Strengths in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The strengths of MS&AD Insurance Group Holdings PK are -

Cross disciplinary teams

– Horizontal connected teams at the MS&AD Insurance Group Holdings PK are driving operational speed, building greater agility, and keeping the organization nimble to compete with new competitors. It helps are organization to ideate new ideas, and execute them swiftly in the marketplace.

High brand equity

– MS&AD Insurance Group Holdings PK has strong brand awareness and brand recognition among both - the exiting customers and potential new customers. Strong brand equity has enabled MS&AD Insurance Group Holdings PK to keep acquiring new customers and building profitable relationship with both the new and loyal customers.

Innovation driven organization

– MS&AD Insurance Group Holdings PK is one of the most innovative firm in Insurance (Prop. & Casualty) sector.

Operational resilience

– The operational resilience strategy of MS&AD Insurance Group Holdings PK comprises – understanding the underlying the factors in the Insurance (Prop. & Casualty) industry, building diversified operations across different geographies so that disruption in one part of the world doesn’t impact the overall performance of the firm, and integrating the various business operations and processes through its digital transformation drive.

Ability to recruit top talent

– MS&AD Insurance Group Holdings PK is one of the leading players in the Insurance (Prop. & Casualty) industry in United States. It is in a position to attract the best talent available in United States. The firm has a robust talent identification program that helps in identifying the brightest.

Ability to lead change in Insurance (Prop. & Casualty)

– MS&AD Insurance Group Holdings PK is one of the leading players in the Insurance (Prop. & Casualty) industry in United States. Over the years it has not only transformed the business landscape in the Insurance (Prop. & Casualty) industry in United States but also across the existing markets. The ability to lead change has enabled MS&AD Insurance Group Holdings PK in – penetrating new markets, reaching out to new customers, and providing different value propositions to different customers in the international markets.

Highly skilled collaborators

– MS&AD Insurance Group Holdings PK has highly efficient outsourcing and offshoring strategy. It has resulted in greater operational flexibility and bringing down the costs in highly price sensitive Insurance (Prop. & Casualty) industry. Secondly the value chain collaborators of MS&AD Insurance Group Holdings PK have helped the firm to develop new products and bring them quickly to the marketplace.

Learning organization

- MS&AD Insurance Group Holdings PK is a learning organization. It has inculcated three key characters of learning organization in its processes and operations – exploration, creativity, and expansiveness. The work place at MS&AD Insurance Group Holdings PK is open place that encourages instructiveness, ideation, open minded discussions, and creativity. Employees and leaders at MS&AD Insurance Group Holdings PK emphasize – knowledge, initiative, and innovation.

Training and development

– MS&AD Insurance Group Holdings PK has one of the best training and development program in Financial industry. The effectiveness of the training programs can be measured in – employees retention, in-house promotion, loyalty, new venture initiation, lack of conflict, and high level of both employees and customer engagement.

Digital Transformation in Insurance (Prop. & Casualty) industry

- digital transformation varies from industry to industry. For MS&AD Insurance Group Holdings PK digital transformation journey comprises differing goals based on market maturity, customer technology acceptance, and organizational culture. MS&AD Insurance Group Holdings PK has successfully integrated the four key components of digital transformation – digital integration in processes, digital integration in marketing and customer relationship management, digital integration into the value chain, and using technology to explore new products and market opportunities.

Low bargaining power of suppliers

– Suppliers of MS&AD Insurance Group Holdings PK in the Financial sector have low bargaining power. MS&AD Insurance Group Holdings PK has further diversified its suppliers portfolio by building a robust supply chain across various countries. This helps MS&AD Insurance Group Holdings PK to manage not only supply disruptions but also source products at highly competitive prices.

Effective Research and Development (R&D)

– MS&AD Insurance Group Holdings PK has innovation driven culture where significant part of the revenues are spent on the research and development activities. This has resulted in – MS&AD Insurance Group Holdings PK staying ahead in the Insurance (Prop. & Casualty) industry in terms of – new product launches, superior customer experience, highly competitive pricing strategies, and great returns to the shareholders.



02468Mesabi Trust MSB Financial Mitsubishi Corp Midland States Banc Studio City MS&AD Insurance Group Holdings PK
Net Promoter Score



Weaknesses of MS&AD Insurance Group Holdings PK | Internal Strategic Factors
What are Weaknesses in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The weaknesses of MS&AD Insurance Group Holdings PK are -

High operating costs

– Compare to the competitors, MS&AD Insurance Group Holdings PK has high operating costs in the Insurance (Prop. & Casualty) industry. This can be harder to sustain given the new emerging competition from nimble players who are using technology to attract MS&AD Insurance Group Holdings PK lucrative customers.

Ability to respond to the competition

– As the decision making is very deliberative at MS&AD Insurance Group Holdings PK, in the dynamic environment of Insurance (Prop. & Casualty) industry it has struggled to respond to the nimble upstart competition. MS&AD Insurance Group Holdings PK has reasonably good record with similar level competitors but it has struggled with new entrants taking away niches of its business.

Slow to harness new channels of communication

– Even though competitors are using new communication channels such as Instagram, Tiktok, and Snap, MS&AD Insurance Group Holdings PK is slow explore the new channels of communication. These new channels of communication can help MS&AD Insurance Group Holdings PK to provide better information regarding Insurance (Prop. & Casualty) products and services. It can also build an online community to further reach out to potential customers.

Lack of clear differentiation of MS&AD Insurance Group Holdings PK products

– To increase the profitability and margins on the products, MS&AD Insurance Group Holdings PK needs to provide more differentiated products than what it is currently offering in the marketplace.

Compensation and incentives

– The revenue per employee of MS&AD Insurance Group Holdings PK is just above the Insurance (Prop. & Casualty) industry average. It needs to redesign the compensation structure and incentives to increase the revenue per employees. Some of the steps that it can take are – hiring more specialists on project basis, etc.

Slow decision making process

– As mentioned earlier in the report, MS&AD Insurance Group Holdings PK has a very deliberative decision making approach. This approach has resulted in prudent decisions, but it has also resulted in missing opportunities in the Insurance (Prop. & Casualty) industry over the last five years. MS&AD Insurance Group Holdings PK even though has strong showing on digital transformation primary two stages, it has struggled to capitalize the power of digital transformation in marketing efforts and new venture efforts.

Employees’ less understanding of MS&AD Insurance Group Holdings PK strategy

– From the outside it seems that the employees of MS&AD Insurance Group Holdings PK don’t have comprehensive understanding of the firm’s strategy. This is reflected in number of promotional campaigns over the last few years that had mixed messaging and competing priorities. Some of the strategic activities and services promoted in the promotional campaigns were not consistent with the organization’s strategy.

Aligning sales with marketing

– From the outside it seems that MS&AD Insurance Group Holdings PK needs to have more collaboration between its sales team and marketing team. Sales professionals in the Insurance (Prop. & Casualty) industry have deep experience in developing customer relationships. Marketing department at MS&AD Insurance Group Holdings PK can leverage the sales team experience to cultivate customer relationships as MS&AD Insurance Group Holdings PK is planning to shift buying processes online.

High dependence on existing supply chain

– The disruption in the global supply chains because of the Covid-19 pandemic and blockage of the Suez Canal illustrated the fragile nature of MS&AD Insurance Group Holdings PK supply chain. Even after few cautionary changes, MS&AD Insurance Group Holdings PK is still heavily dependent upon the existing supply chain. The existing supply chain though brings in cost efficiencies but it has left MS&AD Insurance Group Holdings PK vulnerable to further global disruptions in South East Asia.

Skills based hiring in Insurance (Prop. & Casualty) industry

– The stress on hiring functional specialists at MS&AD Insurance Group Holdings PK has created an environment where the organization is dominated by functional specialists rather than management generalist. This has resulted into product oriented approach rather than marketing oriented approach or consumers oriented approach.

High cash cycle compare to competitors

MS&AD Insurance Group Holdings PK has a high cash cycle compare to other players in the Insurance (Prop. & Casualty) industry. It needs to shorten the cash cycle by 12% to be more competitive in the marketplace, reduce inventory costs, and be more profitable.




MS&AD Insurance Group Holdings PK Opportunities | External Strategic Factors
What are Opportunities in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The opportunities of MS&AD Insurance Group Holdings PK are -

Redefining models of collaboration and team work

– As explained in the weaknesses section, MS&AD Insurance Group Holdings PK is facing challenges because of the dominance of functional experts in the organization. MS&AD Insurance Group Holdings PK can utilize new technology in the field of Insurance (Prop. & Casualty) industry to build more coordinated teams and streamline operations and communications using tools such as CAD, Zoom, etc.

Building a culture of innovation

– managers at MS&AD Insurance Group Holdings PK can make experimentation a productive activity and build a culture of innovation using approaches such as – mining transaction data, A/B testing of websites and selling platforms, engaging potential customers over various needs, and building on small ideas in the Insurance (Prop. & Casualty) industry.

Increase in government spending

– As the United States and other governments are increasing social spending and infrastructure spending to build economies post Covid-19, MS&AD Insurance Group Holdings PK can use these opportunities to build new business models that can help the communities that MS&AD Insurance Group Holdings PK operates in. Secondly it can use opportunities from government spending in Insurance (Prop. & Casualty) sector.

Using analytics as competitive advantage

– MS&AD Insurance Group Holdings PK has spent a significant amount of money and effort to integrate analytics and machine learning into its operations in Insurance (Prop. & Casualty) sector. This continuous investment in analytics has enabled MS&AD Insurance Group Holdings PK to build a competitive advantage using analytics. The analytics driven competitive advantage can help MS&AD Insurance Group Holdings PK to build faster Go To Market strategies, better consumer insights, developing relevant product features, and building a highly efficient supply chain.

Loyalty marketing

– MS&AD Insurance Group Holdings PK has focused on building a highly responsive customer relationship management platform. This platform is built on in-house data and driven by analytics and artificial intelligence. The customer analytics can help the organization to fine tune its loyalty marketing efforts, increase the wallet share of the organization, reduce wastage on mainstream advertising spending, build better pricing strategies using personalization, etc.

Finding new ways to collaborate

– Covid-19 has not only transformed business models of companies in Insurance (Prop. & Casualty) industry, but it has also influenced the consumer preferences. MS&AD Insurance Group Holdings PK can tie-up with other value chain partners to explore new opportunities regarding meeting customer demands and building a rewarding and engaging relationship.

Remote work and new talent hiring opportunities

– The widespread usage of remote working technologies during Covid-19 has opened opportunities for MS&AD Insurance Group Holdings PK to expand its talent hiring zone. According to McKinsey Global Institute, 20% of the high end workforce in fields such as finance, information technology, can continously work from remote local post Covid-19. This presents a really great opportunity for MS&AD Insurance Group Holdings PK to hire the very best people irrespective of their geographical location.

Changes in consumer behavior post Covid-19

– consumer behavior has changed in the Insurance (Prop. & Casualty) industry because of Covid-19 restrictions. Some of this behavior will stay once things get back to normal. MS&AD Insurance Group Holdings PK can take advantage of these changes in consumer behavior to build a far more efficient business model. For example consumer regular ordering of products can reduce both last mile delivery costs and market penetration costs. MS&AD Insurance Group Holdings PK can further use this consumer data to build better customer loyalty, provide better products and service collection, and improve the value proposition in inflationary times.

Learning at scale

– Online learning technologies has now opened space for MS&AD Insurance Group Holdings PK to conduct training and development for its employees across the world. This will result in not only reducing the cost of training but also help employees in different part of the world to integrate with the headquarter work culture, ethos, and standards.

Better consumer reach

– The expansion of the 5G network will help MS&AD Insurance Group Holdings PK to increase its market reach. MS&AD Insurance Group Holdings PK will be able to reach out to new customers. Secondly 5G will also provide technology framework to build new tools and products that can help more immersive consumer experience and faster consumer journey.

Reconfiguring business model

– The expansion of digital payment system, the bringing down of international transactions costs using Bitcoin and other blockchain based currencies, etc can help MS&AD Insurance Group Holdings PK to reconfigure its entire business model. For example it can used blockchain based technologies to reduce piracy of its products in the big markets such as China. Secondly it can use the popularity of e-commerce in various developing markets to build a Direct to Customer business model rather than the current Channel Heavy distribution network.

Buying journey improvements

– MS&AD Insurance Group Holdings PK can improve the customer journey of consumers in the Insurance (Prop. & Casualty) industry by using analytics and artificial intelligence. It can provide automated chats to help consumers solve their own problems, provide online suggestions to get maximum out of the products and services, and help consumers to build a community where they can interact with each other to develop new features and uses.

Leveraging digital technologies

– MS&AD Insurance Group Holdings PK can leverage digital technologies such as artificial intelligence and machine learning to automate the production process, customer analytics to get better insights into consumer behavior, realtime digital dashboards to get better sales tracking, logistics and transportation, product tracking, etc.




Threats MS&AD Insurance Group Holdings PK External Strategic Factors
What are Threats in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The threats of MS&AD Insurance Group Holdings PK are -

Shortening product life cycle

– it is one of the major threat that MS&AD Insurance Group Holdings PK is facing in Insurance (Prop. & Casualty) sector. It can lead to higher research and development costs, higher marketing expenses, lower customer loyalty, etc.

Easy access to finance

– Easy access to finance in Insurance (Prop. & Casualty) industry will also reduce the barriers to entry in the industry, thus putting downward pressure on the prices because of increasing competition. MS&AD Insurance Group Holdings PK can utilize it by borrowing at lower rates and invest it into research and development, capital expenditure to fortify its core competitive advantage.

Barriers of entry lowering

– As technology is more democratized, the barriers to entry to Insurance (Prop. & Casualty) industry are lowering. It can presents MS&AD Insurance Group Holdings PK with greater competitive threats in the near to medium future. Secondly it will also put downward pressure on pricing throughout the Insurance (Prop. & Casualty) sector.

Learning curve for new practices

– As the technology based on artificial intelligence and machine learning platform is getting complex, MS&AD Insurance Group Holdings PK may face longer learning curve for training and development of existing employees. This can open space for more nimble competitors in the field of Insurance (Prop. & Casualty) sector.

Capital market disruption

– During the Covid-19, Dow Jones has touched record high. The valuations of a number of companies are way beyond their existing business model potential. This can lead to capital market correction which can put a number of suppliers, collaborators, value chain partners in great financial difficulty. It will directly impact the business of MS&AD Insurance Group Holdings PK.

Technology acceleration in Forth Industrial Revolution

– MS&AD Insurance Group Holdings PK has witnessed rapid integration of technology during Covid-19 in the Insurance (Prop. & Casualty) industry. As one of the leading players in the industry, MS&AD Insurance Group Holdings PK needs to keep up with the evolution of technology in the Insurance (Prop. & Casualty) sector. According to Mckinsey study top managers believe that the adoption of technology in operations, communications is 20-25 times faster than what they planned in the beginning of 2019.

Instability in the European markets

– European Union markets are facing three big challenges post Covid – expanded balance sheets, Brexit related business disruption, and aggressive Russia looking to distract the existing security mechanism. MS&AD Insurance Group Holdings PK will face different problems in different parts of Europe. For example it will face inflationary pressures in UK, France, and Germany, balance sheet expansion and demand challenges in Southern European countries, and geopolitical instability in the Eastern Europe.

Technology disruption because of hacks, piracy etc

– The colonial pipeline illustrated, how vulnerable modern organization are to international hackers, miscreants, and disruptors. The cyber security interruption, data leaks, etc can seriously jeopardize the future growth of the organization.

Backlash against dominant players

– US Congress and other legislative arms of the government are getting tough on big business especially technology companies. The digital arm of MS&AD Insurance Group Holdings PK business can come under increasing regulations regarding data privacy, data security, etc.

Consumer confidence and its impact on MS&AD Insurance Group Holdings PK demand

– There is a high probability of declining consumer confidence, given – high inflammation rate, rise of gig economy, lower job stability, increasing cost of living, higher interest rates, and aging demography. All the factors contribute to people saving higher rate of their income, resulting in lower consumer demand in Insurance (Prop. & Casualty) industry and other sectors.

High dependence on third party suppliers

– MS&AD Insurance Group Holdings PK high dependence on third party suppliers can disrupt its processes and delivery mechanism. For example -the current troubles of car makers because of chip shortage is because the chip companies started producing chips for electronic companies rather than car manufacturers.

New competition

– After the dotcom bust of 2001, financial crisis of 2008-09, the business formation in US economy had declined. But in 2020 alone, there are more than 1.5 million new business applications in United States. This can lead to greater competition for MS&AD Insurance Group Holdings PK in the Insurance (Prop. & Casualty) sector and impact the bottomline of the organization.

Trade war between China and United States

– The trade war between two of the biggest economies can hugely impact the opportunities for MS&AD Insurance Group Holdings PK in Insurance (Prop. & Casualty) industry. The Insurance (Prop. & Casualty) industry is already at various protected from local competition in China, with the rise of trade war the protection levels may go up. This presents a clear threat of current business model in Chinese market.




Weighted SWOT Analysis of MS&AD Insurance Group Holdings PK Template, Example


Not all factors mentioned under the Strengths, Weakness, Opportunities, and Threats quadrants in the SWOT Analysis are equal. Managers at MS&AD Insurance Group Holdings PK needs to zero down on the relative importance of each factor mentioned in the Strengths, Weakness, Opportunities, and Threats quadrants. We can provide the relative importance to each factor by assigning relative weights. Weighted SWOT analysis process is a three stage process –

First stage for doing weighted SWOT analysis of MS&AD Insurance Group Holdings PK is to rank the strengths and weaknesses of the organization. This will help you to assess the most important strengths and weaknesses of the firm and which one of the strengths and weaknesses mentioned in the initial lists are marginal and can be left out.

Second stage for conducting weighted SWOT analysis of MS&AD Insurance Group Holdings PK is to give probabilities to the external strategic factors thus better understanding the opportunities and threats arising out of macro environment changes and developments.

Third stage of constructing weighted SWOT analysis of MS&AD Insurance Group Holdings PK to provide strategic recommendations includes – joining likelihood of external strategic factors such as opportunities and threats to the internal strategic factors – strengths and weaknesses. You should start with external factors as they will provide the direction of the overall industry. Secondly by joining probabilities with internal strategic factors can help the company not only strategic fit but also the most probably strategic trade-off that MS&AD Insurance Group Holdings PK needs to make to build a sustainable competitive advantage.



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