BMCE Banque Marocaine SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 1301

SWOT Analysis of BMCE Banque Marocaine with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

BMCE Banque Marocaine

Parent Company

BMCE Banque Marocaine


Regional Banks


Banking and Financial Services

Tagline/ Slogan



It is the large commercial bank in Morocco



Personal and corporate banking, asset management and the investment banking segments

Target Group

Personal and corporate banking


Providing cutting edge solutions to serve customer better

SWOT Analysis


1. It has a strong national presence as it has over 500 branches in Morocco alone

2. Has a strong international presence as it has branches in France, Spain, UK, China, Italy, Germany, Belgium and Netherlands

3. Total income for the bank is increasing at a constant pace and a significant proportion is contributed by the customer deposits which are also increasing at an accelerating pace

4. The services provided include retail, investment banking, leasing etc


1. In order to reinforce its shareholder’s equity, the Bank has issued a subordinated debt and it increases the money outflow in the form of interest payments

2. It has followed a centralized method and integrated all the products but this resulted in higher setup and maintenance costs

3. The profits also have been declining as people are moving to cheaper alternatives


1. BMCE Bank Group should reinforce its stakes in its subsidiaries, Bank of Africa and Medicapital, to speed up the convergence of their activities and well as to make the most of synergies among the different entities of the Group

2. At the national level, the Group should continue its strategy which

aims at expanding access to banking services, through the opening

of additional new branches per year

3. In a context which is marked by an increase in loans and a consolidation of strategic equity investment, the Bank should try to shore up the capital structure and to pursue its risk cost control policy


1. Due to turbulent activities in Europe, the contribution made by Medicapital to the consolidated net banking income slipped by a considerable amount

2. The asset management and the investment banking divisions also registered a drop as a result of the prevailing weak conditions

3. As a result of downfall in the Moroccan stock market, it resulted in a decrease in the income that is earned on the commissions



1. Banque Populaire du Maroc

2. Attijariwafa Bank




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