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CDFA member survey 2011 Business Market Harry Glavan and Ian Best Policy & Research, CDFA

CDFA member survey 2011 Business Market Harry Glavan and Ian Best Policy & Research, CDFA. Presentation agenda. CDFA annual survey of members. Where CDFIs operate. Lending Activity. Performance. Funds, sustainability and income. Participating members. CDFI markets served. Micro.

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CDFA member survey 2011 Business Market Harry Glavan and Ian Best Policy & Research, CDFA

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  1. CDFA member survey 2011 Business Market Harry Glavan and Ian Best Policy & Research, CDFA

  2. Presentation agenda CDFA annual survey of members Where CDFIs operate Lending Activity Performance Funds, sustainability and income

  3. Participating members

  4. CDFI markets served Micro SME Consumer Home Imp’t Civil Society Business Personal

  5. Business lenders geographic scope

  6. Lending Activity

  7. Portfolio size and geographic scope Local and county Regional and multi regional Countrywide and nationwide

  8. Business loans made by number 1,500 loans Scotland 2% N. Ireland 6% North East 10% North West 8% Yorkshire 29% East Midlands 4% West Midlands 15% East England 3% Wales 1% London 10% South East 5% South West 6%

  9. Business loans made by value £24m lent Scotland 1% North East 2% N. Ireland 4% North West 16% Yorkshire 34% East Midlands 3% West Midlands 18% East England 3% Wales 1% London 7% South East 2% South West 9%

  10. Micro loan portfolio NO DATA

  11. SME loan portfolio NO DATA

  12. Micro and SME portfolio value Post recession NO DATA

  13. Micro and SME portfolio number Post recession NO DATA

  14. Applications by value – trend £92m £76m £51m £28m

  15. Disbursals by value – trend £32m Conversion rate £28m £24m £15m 53% 47% 37% 35%

  16. Loan conversion rates – value 36% 65% 24% 41%

  17. Loan conversion rates – number 59% 28% 56% 46%

  18. Micro demand – by number

  19. SME demand – by number 42%

  20. Disbursal value – by CDFI

  21. Disbursals by CDFIs 7- 39 – detail <£1m

  22. Disbursal number – by CDFI

  23. Loan conversion rates – by CDFI Average: 52%

  24. Micro avg loan size by CDFI Average£11,300

  25. SME average loan size by CDFI Average £37,000

  26. Proportion of total loans disbursed Start-ups vs existing Micro SME Existing businesses 45% Start ups 55% Existing businesses 84%

  27. Loans to start-up micros – by CDFI Average 54%

  28. Loans to SME start-ups – by CDFI Average 18%

  29. Business customer structure For Profit 34% Unincorporated 37%

  30. Security over business loans

  31. Business customer demographics

  32. Business customer demographics AVERAGES MICRO: 14% SME: 13%

  33. AVERAGES MICRO: 14% SME: 13% APR charged by CDFI

  34. APR vs Avg loan size

  35. APR v Portfolio Yield

  36. PERFORMANCE

  37. PAR and Write-off rates

  38. Portfolio at risk and write-offs

  39. Loan officer productivity

  40. SUSTAINABILITY and INCOME

  41. Operational self sufficiency

  42. OSS v loan and CDFI size

  43. Assets and Income

  44. CDFI Fund and Reserves

  45. External funds for operations Total: £3.2m

  46. External funds for capital Total: £14m

  47. Bank to CDFI lending

  48. Earned Income Total: £8.6m

  49. Outputs, Outcomes and Impact

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