1. Bulgarian-American Credit Bank
Report
lYuben Chetirski Siarhei Krauchanka Shirin Hagverdibayova

2. PESTEL analysis of Bulgaria
Political factors
Economic factors
Social factors
Technological factors
Environmental factors
Legal Factors
The environment is unfavorable towards the banking sector

3. Strategic group ProCredit Bank (1 345 677 000 BGN in total assets)
Municipal Bank PLC ( BGN in total assets)
International Asset Bank ( BGN in total assets
Bulgarian American Credit Bank ( BGN in total assets)
D Commerce Bank ( BGN in total assets)
Credit Agricole ( BGN in total assets)

4. Strategic group map

5. Financial performance of BACB and its competitors
Return on Assets

6. Financial performance of BACB and its competitors
Return on Equity

7. 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

8. Mobility Barriers Legal Framework Public image
Competition and limited demand
External shocks

9. 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

10. Hambrick & Fredrickson Model
Arenas
Vehicles
Differentiation
Staging
Economic logic

11. Stakeholders Analysis
Employees and investors
Gramercy Select Master Fund
Clever Synergies Investment Fund
Bulgarian Government
Bulgarian citizens

12. Thank you for your attention!