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Bulgarian-American Credit BankREPORT
LYUBEN CHETIRSKI SIARHEI KRAUCHANKA SHIRIN HAGVERDIBAYOVA
PESTEL analysis of Bulgaria
Political factors
Economic factors
Social factors
Technological factors
Environmental factors
Legal Factors
The environment is unfavorable towards the banking sector
Strategic group
ProCredit Bank (1 345 677 000 BGN in total assets)
Municipal Bank PLC (1 024 370 000 BGN in total assets)
International Asset Bank (849 103 000 BGN in total assets
Bulgarian American Credit Bank (828 187 000 BGN in total assets)
D Commerce Bank (742 979 000 BGN in total assets)
Credit Agricole (522 742 000 BGN in total assets)
Strategic group map
Financial performance of BACB and its competitors
Return on Assets
Financial performance of BACB and its competitors
Return on Equity
BACB’s competitive advantage
A virtual banking and up-to-date technologies
Eco-friendly image by supporting renewable energy project, financing alternative agriculture
Strong cooperation with EU financial institutions
Broad catalogue of services
Close ties with people from the National Assembly
Mobility Barriers
Legal Framework
Public image
Competition and limited demand
External shocks
Strategic clock analysis
D Commerce Bank - Low price/low added value
ProCredit Bank – Low price
Municipal Bank PLC - Differentiation
Credit Agricole Bank – Differentiation
International Asset Bank - Hybrid
Bulgarian American Credit Bank – Hybrid
Hambrick & Fredrickson Model
Arenas
Vehicles
Differentiation
Staging
Economic logic
Stakeholders Analysis
Employees and investors
Gramercy Select Master Fund
Clever Synergies Investment Fund
Bulgarian Government
Bulgarian citizens
Thank you for your attention!