Banco BPI SWOT Analysis, Competitors & USP

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

2. BANIF SGPS SA

3. Banco Comercial Portugues SA

Hence this concludes the Banco BPI SWOT analysis.

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About Banco BPI

Banco BPI Overview
Parent Company	Banco BPI
Category	Regional Banks
Sector	Banking & Financial Services
Tagline/ Slogan	-
USP	One of the largest private financial group in terms of assets in Portugal
Banco BPI STP
Segmentation	Segmentationation is based on the type of customer: personal segment and the corporate segment.
Target Market	Individuals and companies seeking financial services
Positioning	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.

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