Banif SGPS SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 719
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SWOT Analysis of Banif SGPS with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Banif SGPS

Parent Company

Banif SGPS

Category

Regional Banks

Sector

Banking and Financial Services

Tagline/ Slogan

-

USP

It is a Financial Group that is sustained, international, innovative and close to their customers

STP

Segment

Deposit services and credit cards products, factoring, mortgage loans, consumer credits, international trade credits, investment banking, corporate finance services, mergers and acquisitions, asset management, saving accounts and investment products, among others

Target Group

Provides financial services to corporate and individual customers

Positioning

Banif SGPS is one of the "multi-specialist" banks in Portugal

SWOT Analysis

Strengths

1. Banif Financial Group is a Portuguese international financial services group based around the bank Banco Internacional do Funchal. The company has a presence in Europe, South America, North America, Africa and Asia

2.The Net Interest Income increased  year on year showing a stable financial outlook

3. Operational performance continues its positive trend with Focus  on  the  cost  cutting  program

4. Capital Ratios at sound levels and significantly above the regulatory requirements

5. Prize  award  "Best  Asset  Management  Company  in  Portugal",  to  Banif Asset Management

Weaknesses

1. Negative net income and High Operational costs

2. Limited geographic presence as compared to global players

3. Negative  impact  on  other  operating  income due to devaluation of real estate assets

Opportunities

1. The Recapitalization  Plan  with  resource  to  public  funds

2. The negotiations  between  the  Portuguese  State  and  the  European  Commission  over  the Recapitalization Plan

3. CBRT increased the upper band of the interest rate corridor growing volatility concerns

Threats

1. The uncertainty about the timing of FED’s tapering and the conflicting US economic data created volatility during 4Q13

2. Emerging markets suffering from currency depreciation and capital outflows amid global volatility

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

4. Increasing competition from the local and international banks

Competition

Competitors

1. Espírito Santo Financial Group

2. Banco BPI

3. Banco Comercial Portugues SA



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