CDFA member survey 2011

Civil Society market

Harry Glavan and Ian Best Policy & Research, CDFA

CDFI markets served

Micro SMECivil

Society

Consumer Home Imp’t

Business Personal

Civil Society lenders markets served

Civil Society

Enterprise

Personal

Numbers show how many CDFIs serve each of the following markets:

10

83

52

Scotland 8%

N. Ireland3%

Wales 5%

North East 3%

North West 12% Yorkshire

18%

West Midlands 5%

East Midlands 2%

East England 4%

London 17% South East

11%South West 11%

CS loans made by number

392 loans

Scotland 8%

N. Ireland1%

Wales 5%

North East 4%North West

8% Yorkshire 10%

West Midlands 7%

East Midlands 2%

East England 3%

London 19%

South East 11%

South West 20%

CS loans made by value

£146m lent

Loans agreed 2011 and geographic scope

National /countrywide

CS loan portfolio – trend

NO

DA

TA

Portfolio – by CDFI

Nationwide/Countrywide

£503m total

CS loan portfolio – by CDFI

Value of loans disbursed 2011

CS loan applications – trend

£422K

CS loan disbursals – trend

CS disbursals 2011 – by CDFI

Conversion rate – trend applications agreements

Conversion rate 2011 – by CDFIapplications agreements

ND ND ND

CS avg loan size – by CDFI

£1.2mRegional < Multi-regionalNation/countrywide

Delinquencies and write-offs 2011

Performance by CDFI

Cost of credit: APR

Exclusive CS lenders

Loan size vs APR

Exclusive CS lenders

Customer company structure

Loan security

Charge over property/

assets: 61%

Debentures: 18%

Personal guarantee: 1%

No Security:20%

Customer industry

Yield vs APR

Fund size and capital

ND

Fund size and capital

Deployment ratios by CDFI

Self Sufficiency ratios

Operational sustainability

Operational sustainability

£1.6m

Earned income

Capital for on-lending

£40m

Grant revenue for operations

Investment from CITR