Small Businesses & Banks Market Assessment 2010


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Published Date :
April 2010find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
14 Chapters

Table of Contents

The table of contents below is for Small Businesses & Banks 2010

Executive Summary

1. Introduction

Overview

Definition

What Is A Small Business?

Table.1: Bis Definition Of Firms By Number Of Employees,

2. Strategic Overview

Market Dynamics

Table.1: Number Of Businesses Per,000 Resident Adults By Size Of Business And Region, Start

Bankruptcies

Table.2: Bankruptcy Orders By Petition Type And Trading Status,-2008 And Q1-q

Economic Trends

Population

Table.3: Uk Resident Population Estimates By Sex (000), Mid-years-

Gross Domestic Product

Table.4: Uk Gross Domestic Product At Current And Annual Chain-linked Prices (£m),-

Inflation

Table.5: Uk Rate Of Inflation (%),-

Unemployment

Table.6: Actual Number Of Unemployed Persons In The Uk (million),-

Household Disposable Income

Table.7: Uk Household Disposable Income Per Capita (£),-

Business Confidence

Table.8: Summary Of Business Confidence Index By Sector, Q3-q

Investment

Table.9: Financial Performance Indicators — Capital Investments: Average % Change In Expectations,-q

Economic Forecasts

Consumer Confidence

Table.10: Nationwide Consumer Confidence Index, May, March To December And January To March

3. Characteristics Of Smes

Background

What Are Smes?

Turnover Of Smes

By Industry

Table.1: Uk Smes In Terms Of Turnover By Industry And Number Of Employees (£m [excluding Vat] And %),

By Region

Table.2: Turnover Of Private-sector Enterprises By Region (£m), As Atst January And

Employment

By Industry

Table.3: Employment By Industry In The Uk (000 And %), Start

By Region

Table.4: Small Business Employment By Region (000 And %), And

Market Size

Number Of Businesses

By Size Of Business

Table.5: Number, Employment And Turnover Of Uk Enterprises By Size Of Business (number And £m), Start

By Industry

Table.6: Number Of Enterprises In The Uk By Industry And Number Of Employees (number And %), Start

Industry Analysis

Overall Breakdown Of Uk Private Businesses By Region

Table.7: Number Of Private Businesses In The Uk By Region (number And %), And

Regional Distribution By Industry

Table.8: Distribution Of Enterprises By Region And By Industry (%), Start

Concentration Of Businesses By Size

Table.9: Number Of Businesses Per,000 Adults By Region By Number Of Employees, Start

Entrepreneurial Activity To

Table.10: Total Entrepreneurial Activity By Region (% Of Adult Population Involved Per,000),-

Start-ups

Start-ups' Survival

By Region

Table.11: Business Start-ups Rate Per,000 Of The Adult Population†,-

Insolvencies

Table.12: Company Liquidations In England And Wales (number And %), Q3-q

4. Government Support

Department For Business, Innovation And Skills

Enterprise Directorate

Business Link

Financial Statement And Budget Report

Uk Government Aid Schemes

Government Targets

Regulation Of Financial Services

Enterprise Finance Guarantee Scheme

Small Firms Loan Guarantee Scheme

Table.1: Small Firms Loan Guarantee Scheme — Guarantees Issued (£m And £000),/2005-2007/

Capital For Enterprise Ltd

Capital For Enterprise Fund

Enterprise Capital Funds

Co-investment Funds

Aspire Fund

Social Enterprise Fund

Regional Venture Capital Funds

Early Growth Funds

Bridges Fund

Table.2: Equity Funds Managed By Capital For Enterprise Ltd (number And £m), September

Uk Innovation Investment Fund

European Investment Fund

Community Development Finance Institutions And Micro-enterprises

Bank Of England

Government Payment Terms

5. Trade Finance

Number Of Exporters By Size

Table.1: Estimated Number Of Exporters In The Uk By Turnover By Sector (£),

Table.2: Trends In Export Growth (%),

Exchange Rate Risk

Currency Risk

Myopia

Support Services For Exporters

Business Links

Export Credit

Table.3: Receivables Management Services Used By Exporters (%),

Banks And Small Exporter Advice

Table.4: Businesses Using Banks For Advice (% Of Firms),, And

Exports Credit Guarantee Department

The Euro

6. Sources Of Finance

Market Share

Bank Loans

Table.1: Sources Of External Finance For Smes (%), -1999 And

Table.2: Sources Of External Finance For Manufacturing And Service Sector Smes (%),

Bank Lending To Small Businesses

Table.3: Major British Banks' Assistance To Small Businesses† (million, £bn And %), Years Ending December-

Table.4: Major British Banks' Term Lending To Small Businesses With A Turnover Of £1m (£m), Monthly Change-

Table.5: Overdrafts Granted By Major British Banks To Small Businesses (£m),-

Table.6: Deposits By Small Businesses In Major British Banks (£m),-

Bank Small Business Activity In Deprived Areas

Table.7: Uk Banks' Support For Small Businesses In Deprived Areas (£m, % And Number), June-

Other Sources Of Finance

Margins And Provisions

Trade Credit

Hire Purchase And Leasing

Equity Capital

Venture Capital

Table.8: Uk Investment By Venture Capital Companies By Financing Stage (number Of Companies Invested In And %),-

Table.9: Average Amount Invested By Financing Stage In The Uk (£000),-

Corporate Venturing Scheme

Business Angels

7. Suppliers

Banking Costs

Table.1: Business Current Accounts In The Uk,

Small Business Banking Introductory Offers

Table.2: Introductory Offers On Business Banking, February

Rules Governing Bank Lending To Smes

The Lending Code

Non-payment Of Debts

Banks' Promises To Small Business

Bank Market Shares

Table.3: Market Share Of Small-business Main Accounts By Bank (%),

Financial Needs

Table.4: How Finance Has Developed Over (%)

Table.5: How Finance Could Be Improved By Size Of Firm (% Of Responses), Fpb Survey

Bank Relationships

Small Businesses & Banks Suppliers

Financial Ombudsman Service

8. An International Perspective

Eu Economy

Table.1: Key Phb Economic Expectations (%),-

Support Of Lender

Importance Of Investment For Increasing Profitability

European Smes

Regulation

Sources Of External Funding

9. Pest Analysis

Political Factors

Economic Factors

Social Factors

Technological Factors

10. Small Business Dynamics: Attitudes

Overview

Obstacles To Success

Table.1: Main Obstacles To The Success Of The Business (number And % Of Respondents),/2008-september

Sectoral Obstacles To Success, September

Table.2: Main Obstacles To The Success Of The Business (number And % Of Respondents), September

Causes Of Cashflow Difficulties

Table.3: Causes Of Cashflow Difficulties (number And % Of Respondents), /2008-september

Whether Late Payment Is A Problem, By Sector

Table.4: Whether Late Payment Is A Problem By Sector (number And % Of Respondents),/2008, December And September

Importance Of External Finance

Table.5: Importance Of External Finance (number And % Of Respondents), December-september

Table.6: Trends In Seeking External Finance Over Previous Months (% Of Respondents),/2008-september

Reasons For Seeking Finance

Table.7: Reasons For Seeking Finance (number And % Of Respondents), /2008-september

Types Of Finance Sought

Table.8: Types Of Finance Sought By Sector (number And % Of Respondents),

Difficulties In Obtaining Finance

Table.9: Trends In Whether There Was Any Difficulty Obtaining Finance From The First Source Approached (number And % Of Respondents),/2008-september

Changes To Terms And Conditions On Overdrafts In The Last Months

Table.10: Changes To Terms And Conditions On Overdrafts In The Last Months (number And % Of Respondents), December-september

Existing Bank Lending

Table.11: Changes To Terms And Conditions On Bank Loans In The Last Months (number And % Of Respondents), December-september

Relationship With The Bank

Table.12: Relationship With Bank (number And % Of Respondents), December-september

Factoring

Trade Credit Insurance

Hmrc Business Payment Support Service

Sme Attitudes Towards Hmrc Services

Table.13: View Of Hmrc Service (number And % Of Respondents), December-september

Real Help For Business Now

Table.14: Awareness And Usage Of Real Help For Businesses Now Services/measures (number And % Of Respondents),

11. Company Profiles

Barclays Plc

Corporate Strategy

Strengths And Weaknesses

New Product And Brand Development

Marketing

Distribution

Profitability

Table.1: Financial Results For Barclays Plc (£000, Number, % And £), Years Ending St December-

Future Company Developments

Hsbc Group Plc

Corporate Strategy

Strengths And Weaknesses

Marketing

Distribution

Profitability

Table.2: Financial Results For Hsbc Bank Plc (£000, Number, % And £), Years Ending St December-

Future Company Developments

Lloyds Banking Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product And Brand Development

Marketing

Distribution

Profitability

Table.3: Financial Results For Lloyds Banking Group Plc (£000, Number, % And £), Years Endingst December -

Future Company Developments

The Royal Bank Of Scotland Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product And Brand Development

Marketing

Distribution

Profitability

Table.4: Financial Results For The Royal Bank Of Scotland Group Plc (£000, Number, % And £), Years Ending St December-

Future Company Developments

Santander Uk Plc

Corporate Strategy

Strengths And Weaknesses

New Product And Brand Developments

Marketing

Distribution

Profitability

Table.5: Financial Results For Santander Uk Plc (£000, Number, % And £), Years Endingst December-

Future Company Developments

12. The Future

The Economy

Population

Table.1: Forecast Uk Resident Population By Sex (000), Mid-years-

Gross Domestic Product

Table.2: Forecast Uk Growth In Gross Domestic Product In Real Terms (%),-

Inflation

Table.3: Forecast Uk Rate Of Inflation (%),-

Unemployment

Table.4: Forecast Actual Number Of Unemployed Persons In The Uk (million),-

Forecasts To

Table.5: Number Of Enterprises In The Uk By Industry, Start And

Small-business Financial Sources

Table.6: Sources Of External Finance For Smes (%), And

Small Business Bank Lending And Deposits

Table.7: Major British Banks' Assistance To Small Businesses (million, £bn And %), Years Ending December-

Enterprise Finance Guarantee Scheme

Table.8: Forecast Enterprise Guarantee Scheme By Source Of Funds (%),-

Changes In Regulations

Regional Development

Insolvency

The Impact Of The Recession And Of The Financial Crisis

Conclusion

13. Further Sources

Associations

Publications

General Sources

Government Sources

Other Sources

Key Note Sources

Other Reports