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This Study Resource Was: Strengths

BPI has strengths such as a large distribution network and wide range of financial products. However, its net operating income has decreased in recent years and it has limited international presence. Opportunities exist to attract more customers by loosening risk management and expanding mobile apps. Threats include potential rating downgrades negatively impacting investments and tight competition from other banks.

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Luis Alcala
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86 views

This Study Resource Was: Strengths

BPI has strengths such as a large distribution network and wide range of financial products. However, its net operating income has decreased in recent years and it has limited international presence. Opportunities exist to attract more customers by loosening risk management and expanding mobile apps. Threats include potential rating downgrades negatively impacting investments and tight competition from other banks.

Uploaded by

Luis Alcala
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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SWOT Analysis of BPI

Strengths

1. Has a multi-channel distribution network comprising 800 branches, 40 investment


centers, commercial partners, telephone banking (BPI Directo) and a home
banking service (BPI Net)
2. As a universal bank, it offers a wide range of financial products and solutions that
serve both retail and corporate clients
3. Has an online banking that provides the ability to do over 100 transactions, in a
comprehensive, single sign-on platform
4. BEA (BPI Express Assist) Online, through computers or Smart phone web
browsers, you’ll be able to schedule your appointments with the BPI Branch that

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you wanted whether it’s a Deposit, Withdrawal, Bills Payment or Encashment

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Transaction

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5. Has the best capital indicators regardless of the criterion, its pensions are

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covered

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6. The only listed bank which has not issued State-guaranteed debt to manage
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liquidity, it records the lowest absolute and relative utilization of ECB resources
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7. Has the lowest rate of loan leverage and the lowest credit risk indicators
8. Has a strong customer base with approx 2 million customers
9. An estimated 10,000 people work at this bank
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Weaknesses

1. Its net operating income has been decreasing over the past few years
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2. Limited international presence which increases the geographic risk


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3. It is not completely free from the credit risks with respect to customers and
counterparties which could adversely affect its results
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Opportunities

1. Its stringent risk management measures with respect to loan portfolios can be
lessened in order to attract more customers
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2. As customers are moving towards mobile banking, it should develop 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
5. It can expand its market and diversify products and services

This study source was downloaded by 100000820443979 from CourseHero.com on 05-26-2021 06:06:54 GMT -05:00

https://www.coursehero.com/file/26335481/SWOT-Analysis-BPIdocx/
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
4. Other government regulations
5. Computer or system hackers

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This study source was downloaded by 100000820443979 from CourseHero.com on 05-26-2021 06:06:54 GMT -05:00

https://www.coursehero.com/file/26335481/SWOT-Analysis-BPIdocx/
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