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Banco BPI SWOT Analysis

Published by MBA Skool Team in Banking & Financial Services category Last Updated: June 19, 2023Read time:

Here is a detailed SWOT analysis of Banco BPI covering strengths, weaknesses, opportunities and threats.

Banco BPI Strengths

  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. ,000 people work as a part of the bank

Above are the strengths in the SWOT Analysis of Banco BPI. The strengths of Banco BPI looks at the key internal factors of its business which gives it competitive advantage in the market and strengthens its position.

Banco BPI Weaknesses

  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

These were the weaknesses in the Banco BPI SWOT Analysis. The weaknesses of a brand are certain aspects of its business which it can improve.

Banco BPI Opportunities

  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

Above we covered the opportunities in Banco BPI SWOT Analysis. The opportunities for any brand can include prospects of future growth.

Banco BPI Threats

  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

The threats in the SWOT Analysis of Banco BPI are as mentioned above. The threats for any business can be external factors which can negatively impact its business.

Hence this concludes the Banco BPI SWOT analysis.

About Banco BPI

The table below gives the brand overview along with its target market, segmentation, positioning & USP

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 which comprises of MBA students, management professionals, and industry experts. 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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