When given a choice, customers are loyal to Security Bank Ph. Instead of targeting all customers, Security Bank Ph only needs to target new customers in order to grow their business… … "Customer Loyalty (Security Bank Ph)" has a significant impact, so an analyst should put more weight into it. "Customer Loyalty (Security Bank Ph)" will have a long-term positive impact on the this entity, which adds to its value. This statement will lead to an increase in profits for this entity. "Customer Loyalty (Security Bank Ph)" is an easily defendable qualitative factor, so competing institutions will have a difficult time overcoming it.