15. graphs and charts - bva bdrc · graphs and charts this chapter presents some of the key data in...

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www.bdrc-continental.com

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15. Graphs and Charts

This chapter presents some of the key data in graphical form to provide data on longer term trends.

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Much of the data in this report is provided and analysed over time, typically by quarter. After twenty five waves of the SME Finance Monitor, the tables containing data for each quarter have become too large to fit comfortably on a page. The main tables therefore show the most recent quarters only and a series of summary tables have been developed for key questions

to show longer terms trends on an annual basis. This chapter also provides longer trend data, but this time quarter by quarter for key questions from 2012. At the bottom of each chart there is a reference to the page in the man report where the current data is presented in a table, and a summary of the trend shown.

Charts reflecting data reported in Chapter 4 External risk rating from D&B or Experian

TTiimmee SSeerriieess:: RRiisskk rraattiinngg ppeerr qquuaarrtteerr

Q1 12 Q2 12 Q3 12 Q4 12 Q2 13 Q3 13 Q4 13

%

%

%

%

6%

12%

30%

53%

5%

11%

33%

51%

2%

13%

30%

55%

5%

9%

32%

53%

5%

10%

29%

56%

6%

10%

30%

54%

Q1 13

6%

10%

28%

55%

Minimal Average Worse than averageLow

7%

11%

31%

52%

Q1 14 Q2 14

7%

13%

34%

47%

7%

16%

30%

47%

Q3 14 Q4 14

7%

15%

33%

45%

8%

17%

33%

43%

Q1 15 Q2 15

9%

18%

30%

44%

7%

17%

31%

45%

Q3 15 Q4 15

8%

17%

27%

48%

7%

16%

28%

48%

Q1 16

6%

13%

28%

53%

Q2 16

8%

16%

32%

44%

Q3 16

8%

14%

30%

48%

Q4 16

6%

16%

27%

51%

Q1 17

7%

15%

35%

42%

Q2 17

5%

14%

33%

48%

Q3 17

7%

17%

34%

42%

Q4 17

6%

16%

30%

49%

338


338

% that made a net profit during last 12 month financial period

TTiimmee sseerriieess:: RReeppoorrtteedd pprrooffiittaabbiilliittyy iinn ppaasstt 1122 mmoonntthhss,, ppeerr qquuaarrtteerr,, eexxcclluuddiinngg DDKK

Q241

Proportion preparing management accounts/business plans

TTiimmee sseerriieess:: BBuussiinneessss ppllaannnniinngg

Q223

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

69% 69%

Q3 13

69%68% 68%70% 70%

Q4 13

74%

Q1 14

75%

Q2 14

76%

Q3 14

77%

Q4 14

78% 79% 80%

Q1 15 Q2 15

80% 81%

Q3 15

80%

Q2 16

81%

Q3 16

78%

Q4 16

81% 81%83%

Q1 17

84%

Q2 17 Q3 17 Q4 17Q4 15

81%

Q1 16

58%56% 56%

50%54%

57%

33% 34% 35%29%

32% 34%

44% 42%40% 38% 40%

45%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

59%

34%

46%

Q3 13

Planning (any)Management accountsBusiness Plan

49%

27%

38%

Q4 13

53%

31%

42%

Q1 14

56%

33%

44%

Q2 14

55%

32%

41%

Q3 14

54%

33%

41%

32%

54%

41%

Q4 14

53%

30%

40%

Q1 15

51%

29% 29%

38%

Q2 15

56%

34%

44%

Q3 15

56%

33%

42%

Q4 15 Q1 16

52%

39%

Q2 16

33%

57%

45%

Q3 16

38%

58%

41%

Q4 16

32%

60%

48%

Q1 17

28%

54%

41%

Q2 17

33%

59%

42%

Q3 17

32%

55%

40%

Q4 17

339


339

Charts reflecting data reported in Chapter 5 Use of any listed forms of external finance currently – by size

TTiimmee SSeerriieess:: UUssee ooff eexxtteerrnnaall ffiinnaannccee ppeerr qquuaarrtteerr

Q15

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13

50% 43%40% 41%

39%

Q2 13 Q3 13

43%41%

All SMEs

69% 50-249 emps67% 10-49 emps

49% 1-9 emps

35% 0 emps

Q4 13

40%

Q1 14

33%

Q2 14

39%

Q3 14

40%

Q4 14

36%

Q1 15

36%

Q2 15

36% 36%40%

Q3 15 Q4 15

33%

Q1 16

36%

Q2 16

34%

Q3 16

46%

Q4 16

36%

Q1 17

40%

Q2 17

38%

Q3 17

39%

Q4 17

340


340

Proportion using external finance v those who meet definition of Permanent non-borrower

TTiimmee sseerriieess:: PPeerrmmaanneenntt nnoonn--bboorrrroowweerrss aanndd uusseerrss ooff eexxtteerrnnaall ffiinnaannccee

Q15/14 and others

30%34% 34% 37%

41%

40%

50%

43%40% 41%

39%

41%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q3 13

36%

43%

Q2 13

Permanent non-borrowersUse external finance now

40%

41%

Q4 13

33%

48%

Q1 14

39%

39%

Q2 14

40%

40%

Q3 14

36%

47% 47%

Q4 14

36%

48%

Q1 15

36%

49%

Q2 15

36% 36%

46%

40%

43%

Q3 15 Q4 15

33%

49%

Q1 16 Q2 16

50%

34%

Q3 16

41%

46%

Q4 16

47%

36%

Q1 17

46%

40%

Q2 17

48%

38%

Q3 17

45%

39%

Q4 17

341


341

Proportion injecting personal funds into the business in last 12 months

TTiimmee sseerriieess:: IInnjjeeccttiioonnss ooff ppeerrssoonnaall ffuunnddss

Q15/14 and others

41%

16%20%

16%19% 20%

46%

40% 40% 42%

25% 26% 24%21% 22%

Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

18%

38%

20%

Q3 13

Any injection of fundsChose to inject fundsFelt had to inject funds

15%

33%

18%

Q4 13

15%

30%

15%

Q1 14

15%

30%

15%

Q2 14

15%

28%

13%

Q3 14

14%

29%

15%

Q4 14

14% 14%

26% 25%

11% 11%

Q1 15

13% 13%

26%

13%15%

30%

15% 14%

29%

15%

Q2 15 Q3 15 Q4 15

30%

17%

Q1 16 Q2 16

17%

25%

8%

Q3 16

20%

31%

11%

Q4 16

17%

29%

12%

Q1 17

15%

28%

13%

Q2 17

17%

31%

14%

Q3 17

16%

30%

14%

Q4 17

342


342

Charts reflecting data reported in Chapter 6

Borrowing events in 12 months prior to interview

TTiimmee sseerriieess:: BBoorrrroowwiinngg eevveennttss bbyy ddaattee ooff iinntteerrvviieeww

Q26

12% 11%10%

9%

9%

8% 8%

12% 12%

10%9%

8%

2%1% 1%

2% 2% 2%

4%3% 3% 3% 3%

4%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

7%

7%

1%

3%

Q3 13

Type 2 = Cancel/re-negotiation by bankType 1 = new application/renewal

Type 3 = SME chose to pay off/reduce facilityAuto = Automatic renewal of overdraft facility

8%

8%

2%

3%

Q4 13

8%7%

7%6%

2% 2%

3% 3%

Q1 14 Q2 14

7%8%

6%7%

3%

1%

5%

3%

Q3 14 Q4 14

8% 8%6%

8%7%

8%

3% 2%

4%3%

Q1 15 Q2 15

9%8%

7%6% 6%

7%

2% 2%1% 1%

3% 3%2% 2%

Q3 15 Q4 15 Q1 16 Q2 16

8% 8%

4% 4%

0%1%

1%2%

Q3 16 Q4 16

6%

4%

1%

1%

Q1 17

10%

4%

2%

1%

Q2 17

11%

4%

1%

1%

Q3 17

10%

7%

2%2%

Q4 17

343


343

Applied for a new/renewed loan or overdraft in 12 months prior to interview – a Type 1 event

TTiimmee sseerriieess:: TTyyppee 11 eevveennttss bbyy ddaattee ooff iinntteerrvviieeww

Q26

12%11%

10% 9%

14%

8%9%

17% 17%16%

15%

13%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

11%

7%

Q3 13

All excluding PNBsAll SMEs

13%

8%

Q4 13

13%

7%8%

13%

Q1 14 Q2 14

13%

8%7%

14%

Q3 14 Q4 14

13%

8%7%

15%

Q1 15 Q2 15

8%7%

14%12%

Q3 15 Q4 15

6%

11%

Q1 16

6%

10%

Q2 16

4% 4%

7% 7%

Q3 16 Q4 16

4%

8%

Q1 17

4%

8%

Q2 17

4%

8%

Q3 17

7%

12%

Q4 17

344


344

Charts reflecting data reported in Chapter 7 Proportion of all applications that were made by first time applicants

TTiimmee sseerriieess:: AApppplliiccaattiioonnss mmaaddee bbyy ffiirrsstt ttiimmee aapppplliiccaannttss –– bbyy ddaattee ooff aapppplliiccaattiioonn

Q52/Q349

33%29%

25%

33%

28%

46%

37%

50%

38%34%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13

45%

31%

Q2 13

% of loan applications% of overdraft applications

42%

20%

Q3 13

41%

28%

Q4 13

19%

Q1 14

28%

Q2 14

27%

Q3 14

43%

18% 18%23% 21%

29% 29%

21%

7%

28%30%

Q4 14

27%

28%

Q1 15

20%

32%

Q2 15

14%

28%

24%

32%35%

21%20%

55% 54%

Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17* Q2 17* Q3 17*

22%

31%

345


345

Charts reflecting data reported in Chapter 8 Outcome of all loan/overdraft applications and renewals

TTiimmee sseerriieess:: OOuuttccoommee bbyy aapppplliiccaattiioonn ddaattee –– AALLLL aapppplliiccaannttss//rreenneewwaallss ((llooaannss aanndd oovveerrddrraaffttss))

Q64/66/81/92/97

Offered what wanted and took it

Took other funding instead No facility

Have facility after issues

28%

4%12%

55%

29%

3%

14%

54%

26%

6%

17%

51%

21%

4%

17%

58%

30%

7%

13%

51%

33%

8%

15%

43%

Q3 13

23%

4%11%

62%

Q4 13 Q1 14 Q2 14 Q3 14

23%

6%

16%

56%

10%

18%

70%

16%

6%

10%

68%

16%1%2%

11%

72%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

67% 68% 68% 75% 64% 58% 73% 79% 88%72% 75%

Q4 14 Q1 15

16%

6%

14%

64%

11%3%

10%

76%

83%78% 86%

21%

11%

68%

79%

11%

9%

9%

71%

80% 82%78%

Q2 15 Q3 15 Q4 15 Q1 16

3%

15%

9%

73%

Q2 16

72%

9%

19%

8%

64%

Q3 16

82%

2%

16%

10%

72%

Q4 16

82%

4%

14%

8%

74%

Q1 17*

81%

4%

15%

9%

72%

Q2 17*

73%

9%

19%

6%

67%

Q3 17*

14%

8%

16%

63%

18%

7%

11%

64%

346


346

Proportion of all applications that were successful, and proportions of loan and overdraft applications

TTiimmee sseerriieess:: SSuucccceessssffuull oouuttccoommee bbyy aapppplliiccaattiioonn ddaattee

67% 68% 68%

75%

60% 63%

53%

72%

58%

61%

71% 71%

77% 76%

66%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

% successful with overdraft application% successful loan applications

% successful all applications

64%

74%

58%

Q3 13

81%

73%

Q4 13 Q1 14

36%

68%

74%

72%

85%

79%

Q2 14 Q3 14

61%64%

84%

75%

88%88%

Q4 14

89%

78%

Q1 15

81%

56%

88%

85% 84% 85%82%

78%

84%88% 88%

85%83%

Q2 15

80%

78%

Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17* Q2 17* Q3 17*

76%71%

68%64%

77%

62%

68%

83%

73%

89%

86% 79% 80%82%

72%

82% 82% 81%

73%

347


347

Proportion of all applications that ended the process with no facility, and proportions for loan and overdraft applications

TTiimmee sseerriieess:: EEnnddeedd pprroocceessss wwiitthh nnoo ffaacciilliittyy bbyy aapppplliiccaattiioonn ddaattee

31%32%35% 34%

25%30%

21%

27% 26%22%

19%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

% no overdraft facility% no loan facility

% no facility all applications

30%

33%

28% 29%26%

21%

15%

Q3 13

23%

52%

Q4 13 Q1 14

21%

23%

26%24%

8%

14%

12%

Q2 14

18%

Q3 14

11%

10%

27%

8%

36%

Q4 14

34%

29%

22%17%

35%

18% 23%

31%

7%

16%

14%

Q1 15

16%

19%

Q2 15

23%

14%

16%

8% 7%

16%

Q3 15 Q4 15 Q1 16

11%

21%

11% 15%

14%9%

15%12%

10% 11%

Q2 16 Q3 16 Q4 16 Q1 17*Q2 17*Q3 17*

19%16% 14% 15%

19%17%

348


348

Proportion of all applications that were successful: Applying for new money and applying to renew an existing facility

TTiimmee sseerriieess:: OOuuttccoommee bbyy aapppplliiccaattiioonn ddaattee –– aallll rreenneewweedd vv nneeww mmoonneeyy llooaannss aanndd oovveerrddrraaffttss

54%47%

52%57%

36%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13

% successful with new application% successful with renewed application

85%92%

95%97%

94%

41%

Q2 13

96%

56%

Q3 13

98%

59%

Q4 13

98%

Q1 14

98%

66%

65%

Q2 14

90%

81%

Q3 14

100%

71%

Q4 14

98%

65%

Q1 15

100%

58%

Q2 15

100%

100% 99%

74% 70%65%

98%

73%

Q3 15 Q4 15 Q1 16 Q2 16

90%

59%

Q3 16

100%

63%

68%

Q4 16

94%

Q1 17*

65%

99% 97%

Q2 17* Q3 17*

100%

349


349

Charts reflecting data reported in Chapter 11 Classification of respondents based on borrowing behaviour in 12 months prior to interview

TTiimmee sseerriieess:: BBoorrrroowwiinngg pprrooffiillee iinn 1122 mmoonntthhss pprriioorr ttoo iinntteerrvviieeww

Q115/209

25%

10%

65%

Yr to Q1 2012

24%

10%

66%

Yr to Q22012

22%

11%

67%

Yr to Q32012

7%

73%

Yr to Q42012

17%

7%

76%

Yr to Q12013

19%

6%

76%

Yr to Q22013

15%

7%

78%

Yr to Q32013

Had any event

Happy non-seekers

Would be seekers

17%

4%

79%

Yr to Q42013

17%

5%

78%

Yr to Q2 2014

14%

4%

82%

Yr to Q12014

15%

3%

82%

Yr to Q42014

18%

5%

77%

Yr to Q3 2014

21% 16%

2%

82%

Yr to Q2 2015

18%

3%

79%

Yr to Q12015

Yr to Q42015

Yr to Q3 2015

17%

5%

78%

Yr to Q12016

13%

3%

83%

Yr to Q22016

15%

2%

83%

Yr to Q32016

11%

2%

87%

Yr to Q42016

14%

2%

84%

Yr to Q12017

11%

2%

86%

Yr to Q22017

15%

2%

82%

Yr to Q32017

17%

2%

81%

Yr to Q42017

18%

2%

80%

16%

3%

80%

350


350

Charts reflecting data reported in Chapter 12 Plan to grow moderately/substantially in next 12 months

TTiimmee sseerriieess:: PPllaann ttoo ggrrooww

Q26/Q225

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13

47% 47% 47%44%

48%

Q2 13

51%

Q3 13

47%

Q4 13

48%

All SMEs

67% 50-249 emps68% 10-49 emps

52% 1-9 emps

43% 0 emps

Q1 14

45%

Q2 14

53%

Q3 14

46%

Q4 14

43%

Q1 15

43%

Q2 15

48%

Q3 15

47%

Q4 15

45%

Q1 16

41%

Q2 16

41%

Q3 16

47%

Q4 16

43%

Q1 17

45%

Q2 17

45%

Q3 17

46%

Q4 17

43%

351


351

Obstacles perceived to running business – Current economic climate and access to finance

TTiimmee sseerriieess:: 88--1100 mmaajjoorr oobbssttaaccllee

Q227

37% 35% 34% 31% 32%28%

15% 16%18%

14%18%

15%

11% 11% 13%10% 12% 10%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13

26%

16%

10%

Q3 13

21%

12%

8%

Q4 13

Access to FinanceAccess to Finance excluding PNBs

Current economic climate

20%

11%

7%

Q1 14

17%

12%

8%

Q2 14

16%

11%

7%

Q3 14

14%

10%

6%

Q4 14

13%

10%6%

Q1 15

14%

8%

5%

Q2 15

13%

9%

6%

Q3 15 Q4 15

13%

9%

6%

Q1 16

13%

8%

5%

Q2 16

13%

8%

5%

Q4 16

13%

7%

5%

Q3 16

10%7%

4%

Q2 17

13%

7%

4%

Q3 17

16%

9%

5%

Q4 17

14%

8%

5%

Q1 17

11%

6%

4%

352


352

Classification of respondents based on expected borrowing behaviour in 3 months after interview

TTiimmee sseerriieess:: AAnnttiicciippaatteedd bboorrrroowwiinngg pprrooffiillee ffoorr nneexxtt 33 mmoonntthhss

Q229

3 mths after

Q1 12

3 mths after

Q2 12

3 mths after

Q3 12

3 mths after

Q4 12

3 mths after

Q2 13

16%

2%

23%

60%

14%

3%

19%

64%

12%

3%

22%

63%

14%

2%

19%

65%

14%

2%

17%

67%

3 mths after

Q3 13

12%

2%

15%

70%

3 mths after

Q4 13

15%

1%

16%

68%

3 mths after

Q1 13

15%

3%

16%

67%

Have plans to apply/renew Would be seekers – no need

Happy non-seekersWould be seekers - with need

3 mths after

Q1 14

12%

1%

15%

72%

3 mths after

Q2 14

14%

1%

17%

68%

3 mths after

Q3 14

15%

2%

14%

69%

3 mths after

Q4 14

13%

1%

11%

75%

3 mths after

Q1 15

14%

1%

10%

75%

3 mths after

Q2 15

11%

10%

79%

3 mths after

Q3 15

3 mths after

Q4 15

12%

1%

11%

76%

16%

11%

73%

1%

3 mths after

Q1 16

14%

11%

74%

1%

3 mths after

Q2 16

11%

12%

76%

1%

3 mths after

Q3 16

11%

11%

77%

1%

3 mths after

Q4 16

11%

13%

75%

1%

3 mths after

Q1 17

10%

10%

80%

1%

3 mths after

Q2 17

12%

9%

79%

1%

3 mths after

Q3 17

12%

8%

79%

1%

3 mths after

Q4 17

14%

9%

76%

1%

353


353

Confidence amongst those planning to apply for finance in 3 months after interview that bank will agree to request

TTiimmee sseerriieess:: CCoonnffiiddeenntt bbaannkk wwiillll aaggrreeee ttoo ffaacciilliittyy nneexxtt 33 mmoonntthhss

Q238

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13

52%

39%33%

43%40%

Q2 13

30%

Q3 13

41%

Q4 13

41%

SMEs planning to apply in next 3 months

65% 10-249 emps

40% 0-9 emps

Q1 14

46%

Q2 14

43%

Q3 14

46%

Q4 14

54%

Q1 15

49%

Q2 15

49%

Q3 15

60%

Q4 15

53%

Q1 16

48%

Q2 16

53%

Q3 16

61%

Q4 16

59%

Q1 17

49%

Q2 17

55%

Q3 17

59%

Q4 17

41%

354


354

Main barriers for Future would-be seekers

TTiimmee sseerriieess:: MMaaiinn rreeaassoonn ffoorr nnoott sseeeekkiinngg bboorrrroowwiinngg aammoonnggsstt FFuuttuurree wwoouulldd--bbee sseeeekkeerrss

Q239a *principle of borrowing no longer includes ‘prefer not to borrow’

Principle of borrowing*Process of borrowingDiscouraged

Reluctant to borrow

11% 14%16%

17%

12%

16%

54%49% 49% 50%

63%60%

14% 14%

12%

13%13%

14% 14% 16%

12%

6%4%

16%

60%

13%

1%

11%

72%

12%

2%

15%

64%

3%

15%

58%

15%

14%

15%

4%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14

53%

5%

9%

61%

13%

13%

15%

5%

Q3 14 Q4 14

13%

54%

16%

10%

Q1 15

55%

7%

9%

18%

Q2 15 Q3 15 Q4 15

18%

58%

17%

3%

52%

1%

15% 12%

22% 22%

Q1 16 Q2 16

44%

56%

4% 4%

9%

11%

Q3 16

71%

58%

3%

16%

13%

Q4 16

6%

63%

16%

11%

Q1 17

2%

39%

25%

19%

Q2 17

2%

44%

18%

13%

Q3 17

5%

53%

28%

11%

Q4 17

2%

23%

19%

355


355

Charts reflecting data reported in Chapter 13 Awareness of key initiatives

TTiimmee sseerriieess:: AAwwaarreenneessss ooff iinniittiiaattiivveess –– aallll SSMMEEss

Q240 ‘Funding for Lending’ is no longer tracked

MentorsBusiness Growth FundFunding for Lending

Appeals

23%27%

29%

13%

12% 11% 10%13% 12%12%

14% 12% 14% 16%

26%23% 23%

21%21%

23%

30%

14%

15%

23%

29%

12%

14%

21%

14%

27%

12%

13%

22%

29%

13%

16%

23%

Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14

25%

14%

16%

22%24%

12%

15%19%

Q3 14 Q4 14

23%

12%

15%22%

Q1 15

24%

13%

15%19%

Q2 15

26%

14%

16%26%

Q3 15

24%

14%

16%24%

Q4 15

26%

10%

16%

19%

Q1 16

26%

11%15%

17%

Q2 16

28%

10%

16%

18%

Q3 16

29%

12%17%

20%

Q4 16

9%

15%

16%

Q1 17

7%

15%15%

Q2 17

8%

14%

16%

Q3 17

11%

16%

19%

Q4 17

356


356

Awareness of Crowdfunding

TTiimmee sseerriieess:: AAwwaarreenneessss ooff CCrroowwddffuunnddiinngg –– eexxcclluuddiinngg PPNNBBss

Q236a2

18%

Q2/Q3 12

Q2 13 Q3 13 Q4 13 Q1 14

24% 24% 26%17%

All SMEs

The way the question was asked was changed in

Q1 2017

55% 50-249 emps51% 10-49 emps46% 1-9 emps45% 0 emps

Q2 14 Q3 14

25%32%

Q4 14 Q1 15

32% 38%

Q2 15 Q3 15

36% 37%

Q4 15

45%

Q1 16

42%

Q2 16

41%

Q3 16

43%

Q4 16

47%

Q1 17

36%

Q2 17

40%

Q3 17

42%

Q4 17

46%

15. graphs and charts - bva bdrc · graphs and charts this chapter presents some of the key data in...

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