Description
SWOT ANALYSIS OF BANCO BPI
Banco BPI Parent Company Category Sector Tagline/ Slogan Banco BPI Regional Banks Banking and Financial Services One of the largest private financial group in terms of assets in Portugal STP Segmentation is based on the type of customer: personal segment and the corporate segment. Individuals and companies seeking financial services Leader in corporate banking industry SWOT Analysis 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 Strength 6. 10,000 people work as a part of the bank
USP
Segment Target Group Positioning
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 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 Opportunity 4. More global tie-ups can boost the presence of the brand abroad 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 Threats 3. There is a tight competition as other banks are offering similar products for a better value Competition 1. Espírito Santo Financial Group 2. BANIF SGPS SA Competitors 3. Banco Comercial Portugues SA
Weakness
doc_850327527.docx
SWOT ANALYSIS OF BANCO BPI
Banco BPI Parent Company Category Sector Tagline/ Slogan Banco BPI Regional Banks Banking and Financial Services One of the largest private financial group in terms of assets in Portugal STP Segmentation is based on the type of customer: personal segment and the corporate segment. Individuals and companies seeking financial services Leader in corporate banking industry SWOT Analysis 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 Strength 6. 10,000 people work as a part of the bank
USP
Segment Target Group Positioning
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 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 Opportunity 4. More global tie-ups can boost the presence of the brand abroad 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 Threats 3. There is a tight competition as other banks are offering similar products for a better value Competition 1. Espírito Santo Financial Group 2. BANIF SGPS SA Competitors 3. Banco Comercial Portugues SA
Weakness
doc_850327527.docx