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CDFA member survey 2011 Business Market Harry Glavan and Ian Best Policy & Research, CDFA
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Presentation agenda CDFA annual survey of members Where CDFIs operate Lending Activity Performance Funds, sustainability and income
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Participating members
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CDFI markets served MicroSME Civil Society ConsumerHome Imp’t BusinessPersonal
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Business lenders geographic scope
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Lending Activity
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Portfolio size and geographic scope Countrywide and nationwide Regional and multi regional Local and county
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Scotland 2% N. Ireland 6% Wales 1% North East 10% North West 8% Yorkshire 29% West Midlands 15% East Midlands 4% East England 3% London 10% South East 5% South West 6% Business loans made by number 1,500 loans
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Scotland 1% N. Ireland 4% Wales 1% North East 2% North West 16% Yorkshire 34% West Midlands 18% East Midlands 3% East England 3% London 7% South East 2% South West 9% Business loans made by value £24m lent
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Micro loan portfolio NO DATA
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SME loan portfolio NO DATA
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Micro and SME portfolio value Post recession NO DATA
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Micro and SME portfolio number NO DATA Post recession
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Applications by value – trend £28m £92m £51m £76m
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Disbursals by value – trend £15m £32m £28m £24m 37% 35% 47% 53% Conversion rate
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Loan conversion rates – value 36% 24% 41% 65%
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Loan conversion rates – number 59% 56% 28% 46%
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Micro demand – by number
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SME demand – by number 42%
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Disbursal value – by CDFI
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Disbursals by CDFIs 7- 39 – detail <£1m
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Disbursal number – by CDFI
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Loan conversion rates – by CDFI Average: 52%
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Micro avg loan size by CDFI Average £11,300
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SME average loan size by CDFI Average £37,000
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Proportion of total loans disbursed Start-ups vs existing MicroSME Existing businesses 45% Start ups 55% Existing businesses 84%
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Loans to start-up micros – by CDFI Average 54%
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Loans to SME start-ups – by CDFI Average 18%
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Business customer structure Unincorporated 37% For Profit 34%
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Security over business loans
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Business customer demographics
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AVERAGES MICRO: 14% SME: 13%
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APR charged by CDFI AVERAGES MICRO: 14% SME: 13%
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APR vs Avg loan size
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APR v Portfolio Yield
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PERFORMANCE
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PAR and Write-off rates
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Portfolio at risk and write-offs
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Loan officer productivity
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SUSTAINABILITY and INCOME
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Operational self sufficiency
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OSS v loan and CDFI size
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Assets and Income
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CDFI Fund and Reserves
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External funds for operations Total: £3.2m
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External funds for capital Total: £14m
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Bank to CDFI lending
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Earned Income Total: £8.6m
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Outputs, Outcomes and Impact
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Business lending outputs 2010/11 Reported outputs and outcomes Report rate (%) Loans disbursed (#)1,500100% Loans disbursed (£)£23.1m100% Businesses Created712100% Businesses Safeguarded59695% Jobs created (FTE*)214097% Jobs safeguarded (FTE*)3,37997% Turnover generated£27.3m21% Turnover safeguarded£11.7m15% Funds leveraged£34.9m87%
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Scaled up business lending outputs and outcomes 2010/11 Loans disbursed (#) 1,500 Loans disbursed (£) £23.1m Businesses Created 712 Businesses Safeguarded 637 Jobs created (FTEs) 2,168 Jobs safeguarded (FTEs) 3,535 Turnover generated £89.7m Turnover safeguarded £81.6m Funds leveraged £47m
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HEADLINE FIGURES As at April 2011 business lenders had 5,461 loans outstanding totalling £75.7m In 2010/11 you: Disbursed 1,500 loans to a value of £23.1m Created and safeguarded 1,349 businesses Created and safeguarded 5,703 jobs Generated and safeguarded £171.3m of turnover Leveraged £47m of additional funding from mainstream banks Every £1 lent: Generated £3.88 of T/O Safeguarded £3.53 of T/O Helped leverage £2.03 from other mainstream banks
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