Differentiation is a strategy for banks to gain a competitive advantage by increasing the perceived value of their products and services over competitors. There are different levels of differentiation, from modest to high, depending on if the product is a service or linked to another product. Examples of differentiation include varying product design, easy delivery and consulting options, personnel, distribution channels, and brand image. The document is from a banking manager discussing competitive differentiation strategies.

1. Banking
DIFFERENTIATION IN BANKING
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2. Differentiation in Banking 2
Definition:
Differentiation of products or services, is a competitive business strategy where companies try to gain
a competitive edge by increasing the perceived value of their products and services relative to the
perceived value of products from other companies and services.
Level of application:
Products allowing a modest level of differentiation
Products allowing high level of differentiation
The product is a service
The service is linked to a product.

3. Differentiation in Banking 3
Example I :

4. Example II:
Differentiation in Banking 4

5. Differentiation of Product
Product Form Characteristics
Style Design
Easy Request Delivery
Client Consulting
Personnel Differentiation
Differentiation of Channels of
Distribution
Image Differentiation
Differentiation in Banking 5

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Thank you
Ahmed MOUSTAPHA
Manager – Corporate Finance
QNB ALAHLI Bank
am.moustapha3@gmail.com