COMPANY PROFILE -BDO Unibank Inc.
Business Sector :Banking and Financial Services
Operating Geography :Philippines, Asia, Global
About BDO Unibank Inc. :
BDO Unibank Inc. is a banking company based in Makati, Philippines and was established in 1976. It is a full-service universal bank that provides a full range of industry leading products and services such as lending (corporate and consumer), deposit-taking, foreign exchange, brokering, trust and investments, credit cards, corporate cash management and remittances. The company has 8 subsidiaries through which it offers investment banking, private banking, leasing and finance, rural banking, life insurance, insurance brokerage and stock brokerage services. It has its subsidiary offices in Asia, North America and Europe. As of May 2021, BDO has approximately 38,756 employees in more than 1,400 operating branches and offices. The company has the largest distribution network in Philippines with more than 4,400 ATMs. As of March 2021, the company is considered as the largest bank in the country in terms of consolidates resources, customer loans, deposits, assets under management and capital and, brank and ATM network. In July 2021, BDO was recognized as the Top Graduate Employer in the Banking and Financial Services Sector and was ranked 5th in GradPhilippines Top 100 Graduate Employers List in the country.
BDO Unibank’s unique selling proposition or USP lies in being the largest banking company in Philippines. BDO Unibank’s mission statement reads, “To be the preferred bank in every market we serve.”
BDO Unibank Inc. Revenue :
3,374.9 billion pesos – December 31st 2020
3,188.9 billion pesos – December 31st 2019
Competitive Analysis of BDO Unibank Inc.
The SWOT analysis for BDO Unibank Inc. is presented below in a matrix followed by the detailed analysis report
Strengths | Weaknesses |
1. It is the largest bank in Philippines with widespread operations, even in international markets
2. Long standing partnership with Munich Re Automation solutions (MRAS) helps in business operations and expansion through automation
3. Has been awarded for its effective communications strategy at the Philippines quill awards
4. Has financed many green projects of Philippines, building a better image for itself
5. BDO and JCBI’s collaborative credit card services will categorically benefit both the companies and the ASEAN region
| 1. The online platform of BDO is still inconsistent in its performance |
Opportunities | Threats |
1. The CREATE bill 2021 has reduced tax percentage to favor growth of companies
2. Poor banking penetration of the region can be resolved through digital banking
3. Strong balance sheets can enable them to enter into successful partnership, merger and acquisition, to grow and expand their business
| 1. Due to the pandemic the economy of Philippines will decline in the upcoming years leading to a financial crisis
2. Cyber fraud is on the rise in Philippines
3. Foreign online banks can offer higher benefits in comparison to brick and mortar banks
4. ASEAN banks are rapidly expanding into Philippine markets which can eat into the market share of indigenous banks
5. Languishing infrastructure development in Philippines, disrupts the growth of the banking industry
6. Sluggish internet speed resulting in slow digital growth in Philippines
|
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Detailed SWOT Analysis of BDO Unibank Inc.
Strength
1. It is the largest bank in Philippines with widespread operations, even in international markets: In terms of assets and operations, it is the largest bank of Philippines, with a wide range of loan, deposits and a wide array of Insurance schemes suited for the citizens of Philippines. It has over 1100 operating branches 3600 ATMs. In addition to this they have full-service branches in Hong Kong and in 25 other countries in Asia, Europe, North America, and Middle East. Through collaboration with European entities, BDO enables the people of Philippines to invest in European equities thereby diversifying their investment portfolio. In addition to this it has been recognized as the strongest bank in Philippines, by a Singapore publication called the Asian Banker, with a consistently healthy balance sheet.
2. Long standing partnership with Munich Re Automation solutions (MRAS) helps in business operations and expansion through automation: MRAS is an analytics and automation solution provider, it helps in underwriting of insurance and taking quick decision with respect to loan grant and processing, providing customer insights; overall, it makes the process more efficient, customer focused and lowers the cost of operations for the loan division. Hence this partnership helps in driving the business of BDO Unibank and provides it a competitive edge. In October 2019, MRAS announced that it is going to extend its partnership with BDO Unibank to meet the revolutionary underwriting and analytics solutions which are rapidly expanding in the industry. The partnership will focus on implementing automation and advanced analytic technologies as it enables new product innovations and customer insights. Moreover, these technologies provide great efficiency, transparency, and budget friendly services to customers, advisors and underwriters.
The remaining section under "Strength" is available only in the 'Complete Report' on purchase.
Weakness
This section is available only in the 'Complete Report' on purchase.
Opportunity
This section is available only in the 'Complete Report' on purchase.
Threat
This section is available only in the 'Complete Report' on purchase.
The PESTLE analysis for BDO Unibank Inc. is presented below in a table followed by the detailed analysis report
Political | Economical |
1. The current government of Philippine has brought in reforms to increase financial inclusivity of the country
2. The Duterte regime has brought down the crime rate in the country
| 1. The financial institutes of Philippines could be used for money laundering and terror financing activities
2. The corona virus pandemic has negatively impacted the economy and banking sector of the country
|
Social | Technological |
1. High youth population favors the changing structures of banking which is suitable for growth | 1. Digital banking to improve banking penetration in the country
2. Cyber threats have increased in Philippines during the pandemic
|
Legal | Environmental |
1. FIST bill will enable banks to transfer their NPA problems to asset management companies
2. Guidelines to regulate online banks will be drafted soon to protect traditional local banks of Philippines
| Climate change directly impacts the socio-economic sector of the country
Green bonds issued by local banks tackle environmental damage
|
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Detailed Pestle Analysis of BDO Unibank Inc.
Political
This section is available only in the 'Complete Report' on purchase.
Economic
This section is available only in the 'Complete Report' on purchase.
Social
This section is available only in the 'Complete Report' on purchase.
Technological
This section is available only in the 'Complete Report' on purchase.
Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
1. Climate change directly impacts the socio-economic sector of the country: In the archipelagic nation of Philippines of which agriculture and fisheries is the major contributor to the economy. Climate change can reduce the crop yield and impacts the fisheries of the nation. Further it is prone to typhoon, earthquakes, and other natural calamities. Climate change can cause migration of communities towards a few safer regions within the country. All of this can damage the growth of the country and lead to economic decline if the environmental degradation is left unchecked. A consistently declining economy can steal the potential of growth of Philippines. In the case of BDO Unibank agricultural losses coupled with unemployment and natural disasters can disrupt the growth of banking sector and business in Philippines in the long run.
2. Green bonds issued by local banks tackle environmental damage: Climate change poses a direct threat to Philippine and its economy. To counter this, the local banks issue green bonds, which are used to raise finances for green projects such as renewable energy projects and to achieve sustainability goals. These bonds can help reverse the impact of climate change in the country. Various local banks have already issued such green bonds and BDO Unibank has already issued a bond of USD 150 million.
Major Competitors :
- Philippine National Bank
- Komercni Banka
- Metropolitan Bank & trust Philippines
- Union Bank of Philippines
- ITAU Corpbanca
- UBL
- Alfa Bank JSC
- Handelsbanken
Major Brands :
- BDO Capital & Investment Corporation
- BDO Insurance Brokers
- BDO Leasing and Finance Inc.(Formerly PCI Leasing and Finance)
- BDO Nomura Securities
- BDO Private Bank
- BDO Realty Corporation
- BDO Securities Corporation
- BDO Life Assurance Company
On purchase the BDO Unibank Inc. SWOT and PESTLE Analysis PDF report will reach you within minutes. At rare times, a slight delay not exceeding 1 hour might be caused.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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References used in BDO Unibank Inc. SWOT & PESTLE Analysis Report
1. MRAS Announces a Continuation of their Long-Standing Partnership with BDO Life, Philippines. - https://www.centralcharts.com/en/news/2321998-mras-announces-a-continuation-of-their-long-standing-partnership-with-bdo-life-philippines
2. Awards: BDO wins Philippine Quill Awards for exemplary communications - https://www.adobomagazine.com/awards/awards-bdo-wins-philippine-quill-awards-for-exemplary-communications/
3. BDO Unibank 2020 Annual Report - https://www.bdo.com.ph/sites/default/files/pdf/BDO%20Unibank%202020%20Annual%20Report.pdf
4. Sy-led BDO braces for surge in bad loans amid pandemic - https://businessmirror.com.ph/2021/01/08/sy-led-bdo-braces-for-surge-in-bad-loans-amid-pandemic/
5. BDO JCB Platinum Credit Card Launch - https://paymentweek.com/2017-7-27-bdo-jcb-platinum-credit-card-launch/
The detailed complete set of references are available on request in the 'Complete report' on purchase.
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BDO Unibank Inc. SWOT and PESTLE Analysis has been conducted by Arqam Abdullah and reviewed by senior analysts from Barakaat Consulting.
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