Banco BPI SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 2042
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SWOT Analysis of Banco BPI with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Banco BPI

Parent Company

Banco BPI

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

-

USP

One of the largest private financial group in terms of assets in Portugal

STP

Segment

Segmentation is based on the type of customer: personal segment and the corporate segment.

Target Group

Individuals and companies seeking financial services

Positioning

Leader in corporate banking industry

SWOT Analysis

Strengths

1. Has a multi-channel distribution network comprising 600+ retail branches, 40 investment centers, commercial partners, telephone banking (BPI Directo) and a home banking service (BPI Net)

2. Has a strong customer base with approx 2 million customers

3. BPI has the best capital indicators regardless of the criterion, its pensions are covered

4. It is the only listed bank which has not issued State-guaranteed debt to manage liquidity, it records the lowest absolute and relative utilization of ECB resources

5. The bank has the lowest rate of loan leverage and the lowest credit risk indicators

6. 10,000 people work as a part of the bank

Weaknesses

1. Its net operating income has been decreasing over the past few years

2. Limited international presence which increases the geographic risk

3. It is not completely free from the credit risks with respect to customers and counterparties which could adversely affect it’s results

Opportunities

1. Its stringent risk management measures with respect to loan portfolios can be lessened in order to attract more customers

2. As customers are moving towards mobile banking, it should provide more apps for Android and IOS devices

3. Can offer more products in the personal banking segment as it is a growing segment

4. More global tie-ups can boost the presence of the brand abroad

Threats

1. S&P warned of rating degrade which would affect BPI as the investments would decrease

2. Erosion of market capital as the stock prices have been decreasing over negative market sentiment

3. There is a tight competition as other banks are offering similar products for a better value

Competition

Competitors

1. Espírito Santo Financial Group

2. BANIF SGPS SA

3. Banco Comercial Portugues SA

 


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