Banco BPI SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 6535

SWOT analysis of Banco BPI analyses the brand/company with its strengths, weaknesses, opportunities & threats. In Banco BPI SWOT Analysis, 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 industry. Banco BPI is one of the leading brands in the banking & financial services sector. The table below also lists the top Banco BPI competitors and elaborates Banco BPI market segmentation, target group, positioning & Unique Selling Proposition (USP).

Banco BPI SWOT, Competitors, Marketing STP & Brand analysis Table
Banco BPI Brand Analysis
Parent Company

Banco BPI


Regional Banks


Banking & Financial Services

Tagline/ Slogan



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


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

Target Group

Individuals and companies seeking financial services


Leader in corporate banking industry

Banco BPI SWOT Analysis

Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of Banco BPI. Strengths are:

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


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


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


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 Competition

Below are the top 3 Banco BPI competitors:

1. Espírito Santo Financial Group


3. Banco Comercial Portugues SA


The brandguide table above concludes the Banco BPI SWOT analysis along with its marketing and brand parameters.

Similar analysis has also been done for the competitors of the company belonging to the same category, sector or industry. Browse marketing analysis of more brands and companies similar to Banco BPI. The BrandGuide section covers SWOT Analysis, USP, STP & Competition of more than 6000 brands from over 20 categories. This SWOT and marketing analysis has been researched & authored by our BrandGuide Research Team members.

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