Banco BPI SWOT Analysis, Competitors & USP

Published by MBA Skool Team, Last Updated: April 26, 2020

Banco BPI SWOT analysis evaluates the brand by its strengths, weaknesses, opportunities & threats. In SWOT Analysis of Banco BPI, the strengths and weaknesses are the internal factors whereas opportunities and threats are the external factors.

SWOT Analysis is a proven management framework which enables a brand like Banco BPI to benchmark its business & performance as compared to the competitors, and make strategic improvements. Banco BPI is one of the leading brands in the banking & financial services sector.

The article below lists the Banco BPI SWOT, competitors and includes its target market, segmentation, positioning & USP. Let us start the Banco BPI SWOT Analysis:

SWOT Analysis of Banco BPI

For Banco BPI, SWOT analysis can help the brand focus on building upon its strengths and opportunities while addressing its weaknesses as well as threats to improve its market position.

Banco BPI Strengths

The strengths of Banco BPI looks at the key aspects of its business which gives it competitive advantage in the market. Some important factors in a brand's strengths include its financial position, experienced workforce, product uniqueness & intangible assets like brand value. Below are the Strengths in the SWOT Analysis of Banco BPI :

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

Banco BPI Weaknesses

The weaknesses of a brand are certain aspects of its business which are it can improve to increase its position further. Certain weaknesses can be defined as attributes which the company is lacking or in which the competitors are better. Here are the weaknesses in the Banco BPI SWOT Analysis:

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

Banco BPI Opportunities

The opportunities for any brand can include areas of improvement to increase its business. A brand's opportunities can lie in geographic expansion, product improvements, better communication etc. Following are the opportunities in Banco BPI SWOT Analysis:

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

Banco BPI Threats

The threats for any business can be factors which can negatively impact its business. Some factors like increased competitor activity, changing government policies, alternate products or services etc. can be threats. The threats in the SWOT Analysis of Banco BPI are as mentioned:

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

Banco BPI Competitors

There are several brands in the market which are competing for the same set of customers. Below are the top 3 competitors of Banco BPI:

1. Espírito Santo Financial Group


3. Banco Comercial Portugues SA

Hence this concludes the Banco BPI SWOT analysis.

Continue reading more about the brand/company.

About Banco BPI

Banco BPI Overview
Parent Company

Banco BPI


Regional Banks


Banking & Financial Services

Tagline/ Slogan



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


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

Target Market

Individuals and companies seeking financial services


Leader in corporate banking industry


This article has been researched & authored by the Content & Research Team. It has been reviewed & published by the MBA Skool Team. The content on MBA Skool has been created for educational & academic purpose only.

Browse marketing analysis of more brands and companies similar to Banco BPI. This section covers SWOT Analysis, Competitors, Segmentation, Target Market, Positioning & USP of more than 2500 brands from over 20 industry sectors.

Continue Reading:

The brand names and other brand information used in the SWOT Analysis section are properties of their respective companies. The companies are not associated with MBA Skool in any way.
Edit the brand or add a new one to SWOT Analysis section : Contribute

Share this Page on:
Facebook ShareTweetShare on Linkedin