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12-p75c-data-sme-business-barometer-june-2012

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					Page 1 Table of Contents: Business Barometer June 2012


Table 2                       Breaks by breaks
                                Base: All Respondents

Table 4                       QA1/A2 SUMMARY Number of employees business employs across all sites (excludin
                               Base: All Respondents

Table 5                       QA3 How many people did the business employ 12 months ago across all sites (exclu
                               Base: All Respondents

Table 6                       QA4 Whether, 12 months ago, employed more, the same or fewer employees than cur
                               Base: All Respondents

Table 7                       QA5 How many people do you expect the business to employ in 12 months time (excl
                               Base: All Respondents

Table 8                       QA6 Whether expect to employ more, the same or fewer employees in 12 months
                               Base: All Respondents

Table 10                      QA7 Have you recruited any new employees in the past 12 months?
                               Base: All Respondents

Table 11                      QA8 What was the approximate turnover of your business in the last 12 months?
                               Base: All Respondents

Table A9                      QA9 Compared with the previous 12 months, has your turnover in the past 12 months
                               Base: All Respondents

Table 13                      QA10a By what percentage has turnover increased (among those where turnover has
                               Base: All where turnover has increased over the past 12 months

Table 14                      QA10b By what percentage has turnover decreased (among those where turnover ha
                               Base: All where turnover has decreased over the past 12 months

Table 15                      QA11 Whether turnover has increased or decreased by up to 10% or 10% or more com
                               Base: All who Don't know by what percentage their turnover has increased or decreased

Table 16                      QA12 In the next 12 months do you expect your turnover to increase, decrease or sta
                               Base: All Respondents

Table 17                      QA13a By what percentage do you expect turnover to increase by in the next 12 mont
                               Base: All who expect turnover to increase in the next 12 months

Table 18                      QA13b By what percentage do you expect turnover to decrease by in the next 12 mon
                               Base: All who expect turnover to decrease in the next 12 months

Table 19                      QA14 Whether expect turnover to increase or decrese by up to 10% or 10% or more c
                               Base: All who Don't know by what percentage they expect turnover to increase or decrea

Table 20                      QA15 Taking into account all sources of income in the last 12 months, did you genera
                               Base: All Respondents

Table 23                      QA16B Do you expect to make a profit in the next 12 months?
                               Base: All Respondents

Table 24                      QA17 Over the next two to three years, do you aim to grow your business?
                               Base: All Respondents
Table 25    QA18 Do you expect to fund your business growth using internal finances or from ex
             Base: All who aim to grow their business over the next 2-3 years

Table 26    QA18A. Are you planning to increase investment in your business in the next 12 mont
             Base: All who aim to grow their business over the next 2-3 years

Table 27    QA18B. Which of these types of investment, if any, are you planning to do in the next
             Base: All who aim to increase investment in the next 12 months

Table 28    QA19 Have you introduced new or significantly improved products or services in the
             Base: All Respondents

Table 29    QA20 Have you introduced new or significantly improved processes in the last 12 mo
             Base: All Respondents

Table 32    QA21 Over the past 12 months, has your business funded or arranged any training an
             Base: All Respondents

Table 33    QA21a Has any of this training been used to develop management skills?
             Base: All whose business has funded/arranged training for staff over past year

Table 34    QA21B Over the next 12 months do you expect to reduce, maintain or increase your in
             Base: All whose business has funded/arranged training for staff over past year

Table 35    QA22 Does your business currently sell goods or services or licence your products o
             Base: All Respondents

Table 36    QA22a What percentage of your annual turnover do exports or overseas licensing acc
             Base: All who currently export goods or sell outside the UK

Table A23   QA23 In the next 12 months do you expect your export/overseas sales to increase, de
             Base: All who currently export goods or sell outside the UK

Table 38    QA24 Do you have any plans to start exporting or licensing your products or services
             Base: All who don’t export or sell goods outside the UK (or who don’t know or refused to s

Table 39    QA24a What are the barriers that prevent your business exporting?
             Base: All who aren't exporting and have no plans to do so

Table B1    QB1 In the last 6 months have you made any changes to your long term planned inve
             Base: All Respondents

Table B2B   QB2B In the last 6 months, have you made any changes to your plans for growing you
             Base: All Respondents

Table B3    QB3 In the last 6 months, has your level of exports changed as a direct result of recen
             Base: All who currently export goods or sell outside the UK

Table 50    QB6 Which of the following represent obstacles to the success of your business?
             Base: All Respondents

Table 51    QB7 Which is the biggest obstacle to the success of your business?
             Base: All Respondents

Table 52    QB7a Is the ecomony the main barrier to the success of your business for any of the
             Base: All who mentioned economy as main barrier to success

Table 53    QB8 What do you consider to be the causes of this cash flow difficulty?
              Base: All who mentioned cashflow as an obstacle to the success of their business

Table 54    QB9 Which is the main cause of this cash flow difficulty?
             Base: All who mentioned cashflow as an obstacle to the success of their business

Table 62    QC4bi Have you sought general advice and information for running your business in
             Base: All Respondents

Table 63    QC4bii Was the advice that you sought mainly from the public or private sector?
             Base: All who have sought business advice

Table 64    QC4biii What did you seek advice about last year?
             Base: All who have sought business advice

Table 65    QC4biv How satisfied or dissatisfied were you with the information you found?
             Base: All who have received business advice

Table 66    C4bv Are you aware of the Bussinesslink.gov.uk website? And if so have you used it
              Base: All Respondents

Table 67    C4bvi Have you used the Businesslink.gov.uk website since the start of November 20
              Base: All who have used the Businesslink.gov.uk website in the last 12 months

Table 68    C4bvii The content and look of the Businesslink.gov.uk website has recently been up
              Base: All who have used the Businesslink.gov.uk website since the start of November 20

Table 69    C4bviii What did you think of the content and usefulness of the Businesslink.gov.uk w
              Base: All who have noticed the updating of the Businesslink.gov.uk website

Table 70    C4bix Which, if any, of the following types of support or advice are you aware of?
              Base: All Respondents

Table 71    C4bx Which, if any, of the following types of support or advice have you used in the la
              Base: All Respondents

Table 72    C4bxi Can you tell me whether you were made aware of this new or altered support th
              Base: All who are aware of any types if government support

Table 95    C21 Have you had any difficulties, or important information or advice needs that you
              Base: All Respondents

Table 96    C22 Which of the following were reasons why you did not seek information or assista
              Base: Ask all who have had difficulties

Table 97    C22a Earlier you said that you were aware of support in the form of a Government gu
              Base: All aware of suppport in form of government guaranteed loan

Table 98    C23 In the last 12 months have you used a business mentor - that is somebody with b
              Base: All Respondents

Table 99    C24 Which of these best describes your business mentor?
              Base: Ask all who have used a business mentor

Table 100   C25 How do you primarily interact with your business mentor?
              Base: Ask all who have used a business mentor

Table 101   C25a Has business mentoring helped your business in any of the following areas...?
              Base: Ask all who have used a business mentor
Table 102   C26 In the last 12 months have you considered taking on a business mentor?
              Base: Ask all who have not used a business mentor

Table 103   C26a Were any of these reasons why you did not take on a business mentor in the las
              Base: All who have considered, but not used, a business mentor

Table 104   C27 Are you currently acting as or considering becoming a business mentor for anoth
              Base: All Respondents

Table 105   C28 Has being a business mentor helped your own business in any of the following a
              Base: All who currently act as a business mentor

Table D1B   QD1B How would you describe your business's relationship with its bank? Please an
             Base: All Respondents

Table 108   QD1C At any point in the last 6 months have you had a bank overdraft facility for your
             Base: All Respondents

Table 109   QD2 Have you experienced any of the following changes to the Terms and Conditions
             Base: All who have had an overdraft facility at some point within the last 6 months

Table 110   QD3 In the last 6 months have you exceeded your authorised overdraft limit?
             Base: All who have had an overdraft facility at some point within the last 6 months

Table 111   QD4 At any point in the last 6 months, have you had an outstanding business bank lo
             Base: All Respondents

Table 112   QD5 Have you experienced any of the following changes to the Terms and Conditions
             Base: All who have had an outstanding business bank loan

Table 113   QD5a Do you use a credit card for business purposes? If yes: In the last 6 months ha
             Base: All Respondents

Table 114   QD5b In the last 6 months has the amount you tend to carry over on your card(s)...
             Base: All those who carried over a balance on credit card in last 6 months

Table 115   QD6 In the last 6 months has your business missed any repayments on a loan or leas
             Base: All Respondents

Table 116   QD7 Have you tried to obtain finance for your business in the past 6 months?
             Base: All Respondents

Table 117   QD8 What did you try to obtain finance for (on the most important occasion tried to o
             Base: All who tried to obtain finance for their business in the last 6 months

Table 118   QD9 What type of finance did you seek?
             Base: All who tried to obtain finance for their business in the last 6 months

Table 119   QD9a Before you applied for finance, how confident were you that you would be succ
             Base: All who tried to obtain finance for their business in the last 6 months

Table 120   QD9b. And before you applied for finance, did you take any of the following steps to t
             Base: All who tried to obtain finance for their business in the last 6 months

Table 121   QD9c. Did your bank discuss whether a loan backed by a government guarantee was
             Base: All who tried to obtain finance in the past 6 months and who sought or accessed b

Table 122   QD9d Was this the Small Firms Loan Guarantee or the new Enterprise Finance Guara
             Base: All who discussed whether a loan backed by a government guarentee was suitable
Table 123   QD10 Did you have any difficulties obtaining this finance from the first source you ap
             Base: All who tried to obtain finance for their business in the last 6 months

Table 124   QD11 What type of finance did you have problems obtaining?
             Base: All who had difficulties obtaining finance

Table 125   QD11x Were you unable to obtain any finance from this first source because your app
             Base: All who were unable to obtain any finance

Table 126   QD11y Why did you reject the finance offered?
             Base: All who were unable to obtain finance due to rejecting the terms of the finance offe

Table 127   QD11a Reasons given for application for finance being turned down/being given less
             Base: All who had difficulties obtaining finance or who were rejected for finance

Table 130   QD12 Did you eventually go on to obtain the finance you needed for you business, fo
             Base: All those who did not obtain the finance needed

Table 131   QD12B Was this from internal business sources or from an external finance provider?
             Base: All who eventually went on to obtain required finance for business

Table 132   QD13 What was the consequence of you not being able to access the finance you nee
             Base: All who did not eventually go on to obtain required finance for business

Table D14   QD14 Thinking about the new finance you sought in the last 6 months, have you expe
             Base: All who tried to obtain finance in the past 6 months and who sought or accessed ba

Table 134   QD15 Thinking about the new finance you sought in the last 6 months, have you expe
             Base: All who tried to obtain finance in the past 6 months and who sought or accessed ba

Table 135   QD16 Why have you not applied for finance in the last 6 months?
             Base: All who have not applied for finance in the last 6 months

Table 136   QE1 Which of these are your direct customers?
             Base: All Respondents

Table 137   QE1a have you actually done any work for governments departments or other public
             Base: All who deal with government departments/public sector bodies

Table 140   QE1b1 Would you say that you are now doing more, less or about the same amount o
             Base: All who have dealt with government departments/public sector bodies in the last 6

Table 141   QE1c In the last 6 months have you noticed any change in the speed in which you've
             Base: All who have dealt with government departments/public sector bodies in the last 6

Table 142   QE1c1. Thinking about your main public sector client in the last 6 months, what type
             Base: All who have dealt with government departments/public sector bodies in the last 6

Table 143   QE1c2. In the last six months how long, on average, would you say that it takes to ge
             Base: All who have dealt with government departments/public sector bodies in the last 6

Table 164   QE10 Do you anticipate the closure or full transfer of the ownership of your business
             Base: All Respondents

Table E12   QE12 To what extent do you agree or disagree with the statement 'In 12 months time
             Base: All Respondents

Table 168   QE14 The Department for Business, Innovation and Skills may be following up this st
              Base: All Respondents

Table 169   QE15 Whether consent given for data linkage
             Base: All Respondents
 ness employs across all sites (excluding owners and partners)


oy 12 months ago across all sites (excluding owners and partners)?


  the same or fewer employees than currently


 ness to employ in 12 months time (excluding owners and partners)?


e or fewer employees in 12 months


  the past 12 months?


 ur business in the last 12 months?


has your turnover in the past 12 months increased, decreased or stayed roughly the same?


 ased (among those where turnover has increased)?


 eased (among those where turnover has decreased)?


eased by up to 10% or 10% or more compared with 12 months ago (among those who did not know the exact increase/decrease figure)
heir turnover has increased or decreased compared with 12 months ago

ur turnover to increase, decrease or stay roughly the same?


 over to increase by in the next 12 months (among those who expect turnover to increase)?


nover to decrease by in the next 12 months (among those who expect turnover to decrease)?


decrese by up to 10% or 10% or more compared in the next 12 months (among those who did not know the exact increase/decrease figure)
hey expect turnover to increase or decrease by in the next 12 months

me in the last 12 months, did you generate a profit or surplus




 aim to grow your business?
owth using internal finances or from external finance providers?


 nt in your business in the next 12 months to achieve growth?


 any, are you planning to do in the next 12 months?


y improved products or services in the past 12 months?


y improved processes in the last 12 months?


ness funded or arranged any training and development for staff in the organisation, including any informal on the job training?


evelop management skills?
 training for staff over past year

t to reduce, maintain or increase your investment in training?
 training for staff over past year

 or services or licence your products outside of the UK?


er do exports or overseas licensing account for?


ur export/overseas sales to increase, decrease or stay roughly the same as the last 12 months?


g or licensing your products or services outside UK in the next 12 months?
  the UK (or who don’t know or refused to say whether they do)

 business exporting?


hanges to your long term planned investment levels as a direct result of recent economic conditions?


y changes to your plans for growing your business?


 orts changed as a direct result of recent economic conditions?


es to the success of your business?


ess of your business?


uccess of your business for any of the following reasons?


 this cash flow difficulty?
cle to the success of their business


cle to the success of their business

ormation for running your business in the last 12 months?


 from the public or private sector?




 with the information you found?


uk website? And if so have you used it for any purpose in the last 12 months?


website since the start of November 2011?
uk website in the last 12 months

nk.gov.uk website has recently been updated. Did you notice any change in the content of the website when you last visited it?
uk website since the start of November 2011

usefulness of the Businesslink.gov.uk website compared to the previous version of the website?
Businesslink.gov.uk website

upport or advice are you aware of?


upport or advice have you used in the last 12 months?


 aware of this new or altered support through any of the following...?


t information or advice needs that you did not get external advice or support for in the past 12 months?


you did not seek information or assistance for these difficulties or needs?


upport in the form of a Government guaranteed loan, was this in any of the following programmes?
ent guaranteed loan

 iness mentor - that is somebody with business expertise who supports you through the development and running of your business on a con




siness in any of the following areas...?
d taking on a business mentor?


not take on a business mentor in the last 12 months?


g becoming a business mentor for another business owner or entrepreneur?


 own business in any of the following areas...?


 s relationship with its bank? Please answer on a scale of 1 to 5, where one signifies the relationship is very poor and 5 that it is very good


ou had a bank overdraft facility for your business?


g changes to the Terms and Conditions for your business bank overdraft in the last 6 months?
ome point within the last 6 months

our authorised overdraft limit?
ome point within the last 6 months

u had an outstanding business bank loan?


g changes to the Terms and Conditions of your existing business bank loan over the last 6 months?


urposes? If yes: In the last 6 months have you tended to carry an outstanding balance over from one month to another on any of these cards?


 tend to carry over on your card(s)...
credit card in last 6 months

issed any repayments on a loan or leasing /HP agreement?


business in the past 6 months?


the most important occasion tried to obtain finance)?
siness in the last 6 months


siness in the last 6 months

fident were you that you would be successful?
siness in the last 6 months

you take any of the following steps to try and ensure you were successful in obtaining finance?
siness in the last 6 months

acked by a government guarantee was suitable for your business?
6 months and who sought or accessed bank overdraft, bank loan, mortgage for property purchase or improvment or credit card finance

 e or the new Enterprise Finance Guarantee?
d by a government guarentee was suitable for their business
his finance from the first source you approached?
 siness in the last 6 months




from this first source because your application was rejected, or because you rejected the terms that were offered to you?



e to rejecting the terms of the finance offered

ce being turned down/being given less finance than sought
or who were rejected for finance

nance you needed for you business, for example from another source?


es or from an external finance provider?
 ired finance for business

eing able to access the finance you needed?
 required finance for business

ght in the last 6 months, have you experienced any changes in the interest rate charged for these products compared to what you were char
6 months and who sought or accessed bank overdraft, bank loan, mortgage for property purchase or improvement or credit card finance

ght in the last 6 months, have you experienced any changes in the Terms and Conditions for these products compared to the Terms and Con
6 months and who sought or accessed bank overdraft, bank loan, mortgage for property purchase or improvement or credit card finance

the last 6 months?




ernments departments or other public sector bodies in the last 6 months?
ts/public sector bodies

 more, less or about the same amount of work for the public sector as you were 12 months ago?
artments/public sector bodies in the last 6 months

 y change in the speed in which you've been paid by government departments or other public sector bodies?
artments/public sector bodies in the last 6 months

 r client in the last 6 months, what type of public sector organisation is this?
artments/public sector bodies in the last 6 months

erage, would you say that it takes to get an invoice paid by your main public sector client? Allowing time for them to receive the invoice, wou
artments/public sector bodies in the last 6 months

sfer of the ownership of your business in the next 12 months?


 with the statement 'In 12 months time I am confident my business will still be trading'?


n and Skills may be following up this study in a few months time. Would it be possible to recontact you at some point in the future?
w the exact increase/decrease figure)




 know the exact increase/decrease figure)
nformal on the job training?
 site when you last visited it?




ment and running of your business on a continous basis?
hip is very poor and 5 that it is very good




ne month to another on any of these cards?




provment or credit card finance
hat were offered to you?




 products compared to what you were charged in the last few years?
provement or credit card finance

e products compared to the Terms and Conditions available on these products in the last few years?
provement or credit card finance




g time for them to receive the invoice, would you say that it takes them...




t you at some point in the future?
                        4-Sep-12
Business Barometer June 2012

Table 2/ 1

Breaks by breaks

Base: All Respondents
                                                       Sector                          Size of business
                                   Total   Prim/Manu Const    TRAD Services        1 to 9
Unweighted row                      500           91    49      123     237          227
Total                               500           69    62      166     204          420
Sector
Prim/Manu                            69           69        *-       *-       *-      55
                                   14%         100%       0%       0%       0%      13%
Const                                62            *-      62        *-       *-      55
                                   12%           0%     100%       0%       0%      13%
TRAD                                166            *-       *-     166        *-     139
                                   33%           0%       0%     100%       0%      33%
Services                            204            *-       *-       *-     204      172
                                   41%           0%       0%       0%     100%      41%
Size of business
1 to 9                              420           55       55      139      172      420
                                   84%          79%      88%      84%      84%     100%
10 to 49                             69           11        7       23       27        *-
                                   14%          17%      11%      14%      14%       0%
50 to 249                            11            3        1        3        4        *-
                                    2%           4%       1%       2%       2%       0%
Exporter
Yes                                 111          *23       *6       37       45       89
                                   22%          33%      10%      23%      22%      21%
No                                  389          *46      *56      128      159      331
                                   78%          67%      90%      77%      78%      79%
Customers
B2B only                            166          *34       *8      *39      *85     *130
                                   33%          50%      13%      24%      42%      31%
Consumer only                       147           *7       17      *76      *48     *131
                                   29%          10%      27%      46%      23%      31%
Any public sector                   172           26       29      *37      *80      143
                                   34%          38%      47%      22%      39%      34%
B2B and Consumer                    157           27      *29       47       54      133
                                   31%          40%      46%      28%      27%      32%
Page 1

IFF Research JN5136
Size of business              Exporter                                  Customers
       10 to 49  50 to 249    Yes      No      B2B only    Consumer only Any public sector
            182         91    121     379           174              136              187
             69         11    111     389           166              147              172

           11           *3     *23      *46         *34               *7                26
         16%          25%     20%      12%         21%               5%               15%
            7            1      *6      *56          *8               17               *29
         10%           8%      6%      14%          5%              12%               17%
           23            3      37      128         *39              *76               *37
         34%          30%     34%      33%         23%              52%               21%
           27            4      45      159         *85              *48               *80
         40%          38%     40%      41%         51%              32%               47%

            *-          *-      89      331        *130              131               143
          0%          0%      80%      85%         78%              89%               83%
           69           *-      18       51         *31               15                25
        100%          0%      16%      13%         19%              10%               14%
            *-         11        4        7           5                1                 5
          0%        100%       4%       2%          3%               1%                3%

           18           *4     111        *-        *62              *17               *50
         26%          40%    100%       0%         37%              12%               29%
           51           *7       *-     389        *104             *130              *122
         74%          60%      0%     100%         63%              88%               71%

          *31           *5     *62     *104         166                *-               58
         45%          44%     56%      27%        100%               0%               34%
          *15           *1     *17     *130           *-             147                 *-
         21%          13%     16%      33%          0%             100%                0%
           25            5     *50     *122          58                *-              172
         36%          44%     45%      31%         35%               0%              100%
           20            4     *23     *135           *-               *-              *86
         29%          33%     20%      35%          0%               0%               50%
rs
     B2B and Consumer
                  150
                  157

                   27
                 17%
                  *29
                 18%
                   47
                 30%
                   54
                 35%

                  133
                 85%
                   20
                 13%
                    4
                  2%

                  *23
                 14%
                 *135
                 86%

                    *-
                  0%
                    *-
                  0%
                  *86
                 54%
                  157
                100%
                        4-Sep-12
Business Barometer June 2012

Table 4/ 1

QA1/A2 SUMMARY Number of employees business employs across all sites (excluding owners and partners)

Base: All Respondents
                                                         Sector                             Size of business
                                     Total   Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                         500           91   49      123     237             227
Total                                  500           69   62      166     204             420
1-9 employees                          420           55   55      139     172             420
                                      84%          79%  88%      84%     84%            100%
10-49 employees                         69           11    7       23      27               *-
                                      14%          17%  11%      14%     14%               0%
50-249 employees                        11            3    1        3       4               *-
                                       2%           4%   1%       2%      2%               0%
Page 2

IFF Research JN5136
ners and partners)


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91     121    379         174             136               187
                      69         11     111    389         166             147               172
                       *-         *-     89    331        *130             131               143
                     0%         0%     80%    85%         78%             89%               83%
                      69          *-     18      51        *31              15                25
                   100%         0%     16%    13%         19%             10%               14%
                       *-        11       4       7          5               1                 5
                     0%       100%      4%      2%         3%              1%                3%
rs
     B2B and Consumer
                   150
                   157
                   133
                  85%
                    20
                  13%
                     4
                   2%
                         4-Sep-12
Business Barometer June 2012

Table 5/ 1

QA3 How many people did the business employ 12 months ago across all sites (excluding owners and partners)?

Base: All Respondents
                                                          Sector                               Size of business
                                      Total   Prim/Manu Const    TRAD Services            1 to 9
Unweighted row                          500           91   49      123     237              227
Total                                   500           69   62      166     204              420
0 employees                               2            0    0        2       0                  2
                                         *%          0%   0%       1%      0%                 *%
1-9 employees                           406           53   55      135     163             *403
                                       81%          77%  89%      81%     80%              96%
10-49 employees                          79           12    6       25      36               *15
                                       16%          18%   9%      15%     18%                4%
50-249 employees                         13            3    1        4       4                 *-
                                        3%           5%   2%       3%      2%                0%
Don't know                                1            0    *        0        *                 0
                                         *%          0%   1%       0%       *%               0%
Page 3

IFF Research JN5136
owners and partners)?


        Size of business              Exporter                               Customers
               10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                    182         91     121    379         174             136               187
                     69         11     111    389         166             147               172
                      0           0      0       2          2               0                 2
                    0%         0%      0%      1%         1%              0%                1%
                     *3          **     87    319         128             125               138
                    4%          *%    78%    82%         77%             85%               80%
                    *63          *1     20      59         30              20                27
                   92%         6%     18%    15%         18%             14%               15%
                      2        *10       5       8          6               2                 5
                    3%        93%      4%      2%         3%              1%                3%
                      1           *      0       1          0               0                 1
                    1%          *%     0%      *%         0%              0%                 *%
rs
     B2B and Consumer
                   150
                   157
                     0
                   0%
                   129
                  82%
                    24
                  15%
                     4
                   3%
                     1
                    *%
                         4-Sep-12
Business Barometer June 2012

Table 6/ 1

QA4 Whether, 12 months ago, employed more, the same or fewer employees than currently

Base: All Respondents
                                                          Sector                            Size of business
                                      Total   Prim/Manu Const    TRAD Services          1 to 9
Unweighted row                          500           91   49      123     237            227
Total                                   500           69   62      166     204            420
More than currently                     140           16  *27       47      50            119
                                       28%          24%  44%      28%     24%            28%
The same                                275           35  *23       98     119           *242
                                       55%          50%  37%      59%     59%            58%
Fewer                                    85          *18   12       21      35             *59
                                       17%          26%  20%      12%     17%            14%
Page 4

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
             20         *2     27    112         *32              45                47
           28%        15%    25%    29%         19%             31%               27%
            *28          5     58    217          98              83                87
           41%        44%    52%    56%         59%             57%               51%
            *21         *5    *26     *59        *36              19               *38
           31%        41%    23%    15%         22%             13%               22%
rs
     B2B and Consumer
                   150
                   157
                    52
                  33%
                    82
                  52%
                    24
                  15%
                         4-Sep-12
Business Barometer June 2012

Table 7/ 1

QA5 How many people do you expect the business to employ in 12 months time (excluding owners and partners)?

Base: All Respondents
                                                           Sector                             Size of business
                                      Total   Prim/Manu Const     TRAD Services           1 to 9
Unweighted row                          500           91    49      123     237             227
Total                                   500           69    62      166     204             420
0 employees                              27            **    3      *15       9              *25
                                        5%           *%    5%       9%      4%               6%
1-9 employees                           369           50    49      120     150            *367
                                       74%          73%   79%      72%     74%             87%
10-49 employees                          80           15     6       24      35              *20
                                       16%          21%   10%      14%     17%               5%
50-249 employees                         13             3    1        5       4                *-
                                        3%           4%    1%       3%      2%               0%
Don't know                               11             1    3        2       5                8
                                        2%           1%    5%       1%      2%               2%
Page 5

IFF Research JN5136
g owners and partners)?


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91     121    379         174             136               187
                      69         11     111    389         166             147               172
                       2           *      **    *27          7             *15                 5
                     2%         1%       *%     7%         4%             10%                3%
                      *2          **     77    292        *113             112               129
                     3%          *%    69%    75%         68%             76%               75%
                     *60          **    *28     *52         34              16                28
                    87%         1%     25%    13%         20%             11%               16%
                       2        *11        5      8          6               2                 6
                     3%        96%      5%      2%         4%              1%                3%
                       3           *       1     10         *7               3                 4
                     4%         2%      1%      3%         4%              2%                3%
rs
     B2B and Consumer
                   150
                   157
                     6
                   4%
                   123
                  78%
                    23
                  15%
                     4
                   3%
                     1
                   1%
                         4-Sep-12
Business Barometer June 2012

Table 8/ 1

QA6 Whether expect to employ more, the same or fewer employees in 12 months

Base: All Respondents
                                                          Sector                     Size of business
                                      Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                          500           91   49      123     237     227
Total                                   500           69   62      166     204     420
More than currently                     122           19   14       34      56      *97
                                       24%          27%  23%      20%     28%     23%
The same                                313           43   36      105     128    *269
                                       63%          63%  58%      63%     63%     64%
Fewer                                    65            7   12       27     *19       55
                                       13%          10%  20%      16%      9%     13%
Page 6

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
            *22         *4    *41     *82        *51             *23               *52
           32%        37%    37%    21%         31%             15%               30%
             38         *6    *56   *257          97              97               101
           56%        50%    50%    66%         59%             66%               59%
              9          1     15      50         18             *28                19
           13%        13%    13%    13%         11%             19%               11%
rs
     B2B and Consumer
                   150
                   157
                    41
                  26%
                    98
                  62%
                    19
                  12%
                         4-Sep-12
Business Barometer June 2012

Table 10/ 1

QA7 Have you recruited any new employees in the past 12 months?

Base: All Respondents
                                                          Sector                     Size of business
                                      Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                          500           91   49      123     237     227
Total                                   500           69   62      166     204     420
Yes                                     185          *37   20       52      76    *123
                                       37%          54%  31%      31%     37%     29%
No                                      315          *32   43      114     127    *297
                                       63%          46%  69%      69%     63%     71%
Page 7

IFF Research JN5136
Size of business             Exporter                              Customers
       10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
            182         91    121    379        174             136               187
             69         11    111    389        166             147               172
            *52        *10     50    135         68              48               *75
           75%        93%    45%    35%        41%             32%               44%
            *17         *1     62    253         98             100               *97
           25%         7%    55%    65%        59%             68%               56%
rs
     B2B and Consumer
                   150
                   157
                    54
                  35%
                   103
                  65%
                            4-Sep-12
Business Barometer June 2012

Table 11/ 1

QA8 What was the approximate turnover of your business in the last 12 months?

Base: All Respondents
                                                            Sector                     Size of business
                                       Total   Prim/Manu Const     TRAD Services   1 to 9
Unweighted row                           500           91   49       123     237     227
Total                                    500           69   62       166     204     420
Less than GBP 67,000 (50)                 57           *3    8        18      27      *56
                                        11%           5%  13%       11%     13%     13%
GBP 67,000 - GBP 99,999 (84)              35            5    5        *6      19      *35
                                         7%           7%   9%        3%      9%       8%
GBP 100,000 - GBP 249,999 (175)          120           17    8        34     *61    *116
                                        24%          25%  13%       21%     30%     28%
GBP 250,000 - GBP 499,999 (375)           90           12  *23        33     *23      *86
                                        18%          18%  37%       20%     11%     20%
GBP 500,000 - GBP 999,999 (750)           82           12    9        26      35       68
                                        16%          17%  15%       16%     17%     16%
GBP 1m - GBP 1.49m (1250)                 23           *7    1        11      *5      *12
                                         5%          10%   1%        7%      2%       3%
GBP 1.5m - GBP 2.8m (2150)                27            4    2        10      11      *13
                                         5%           6%   3%        6%      5%       3%
More than GBP 2.8m (3500)                 36            7    3        15      10      *10
                                         7%          11%   5%        9%      5%       2%
Don't know                                12            *    0         6       6        9
                                         2%           *%   0%        4%      3%       2%
Refused                                   18            2    3         7       7       15
                                         4%           3%   4%        4%      3%       4%
Mean Score                             713.7        888.5  580     838.1   594.3   475.4
Page 8

IFF Research JN5136
Size of business               Exporter                                Customers
       10 to 49  50 to 249     Yes      No    B2B only    Consumer only Any public sector
            182         91     121     379         174              136               187
             69         11     111     389         166              147               172
              *1         *-      *5     *52         13              *31               *12
            1%         0%       4%    13%          8%              21%                7%
              **         *-       6      29          *5               9                  9
             *%        0%       6%      7%         3%               6%                5%
              *3         **    *18    *101          36               35                44
            5%         3%     17%     26%         22%              24%               26%
              *5         *-      19      72         24               31                33
            7%         0%     17%     18%         15%              21%               19%
             13          **      20      62         30               17               *38
           20%         2%     18%     16%         18%              11%               22%
            *10           1       6      17        *13               *2                10
           15%         9%       6%      4%         8%               1%                6%
            *13           1       9      18        *16                5                  9
           19%         8%       8%      5%        10%               4%                5%
            *18         *8     *18      *18        *23               *3                11
           26%        70%     16%       5%        14%               2%                6%
               2          1       4       8          **              *7                 **
            4%         5%       4%      2%          *%              5%                 *%
               3          *       6      12           6               7                  6
            4%         2%       5%      3%         4%               5%                4%
         1822.9    3000.9     1147 595.5        1062.1            422.1             725.3
rs
     B2B and Consumer
                   150
                   157
                   *10
                   6%
                   *20
                  13%
                    44
                  28%
                    25
                  16%
                    30
                  19%
                     6
                   4%
                     5
                   3%
                    10
                   7%
                     4
                   3%
                     3
                   2%
                 638.9
                         4-Sep-12
Business Barometer June 2012

Table A9/ 1

QA9 Compared with the previous 12 months, has your turnover in the past 12 months increased, decreased or stayed

Base: All Respondents
                                                            Sector                             Size of business
                                       Total    Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                           500            91   49      123     237             227
Total                                    500            69   62      166     204             420
Increased                                126           *27   12       46     *42              *89
                                        25%           39%  19%      28%     20%             21%
Decreased                                175           *17   27       57      75            *159
                                        35%           25%  43%      34%     37%             38%
Stayed the same                          194            25   24       63      83             168
                                        39%           37%  38%      38%     41%             40%
Don't know                                 4             0    0        0       4                3
                                         1%            0%   0%       0%      2%               1%
Refused                                     *            0    0        0        *               0
                                          *%           0%   0%       0%       *%              0%
NET                                      -49            10  -15      -11     -33             *-69
                                       -10%           14% -23%      -7%    -16%            -17%
Page 9

IFF Research JN5136
eased, decreased or stayed roughly the same?


         Size of business               Exporter                                 Customers
                10 to 49  50 to 249     Yes      No     B2B only   Consumer only Any public sector
                     182         91      121    379          174             136               187
                      69         11      111    389          166             147               172
                     *31          *5      32      94         *66             *26                49
                    46%        47%      28%    24%          40%             18%               29%
                     *14          *2      46    129          *48              60                56
                    21%        19%      41%    33%          29%             40%               33%
                      22           4     *34   *161          *52              59                67
                    32%        34%      30%    41%          31%             40%               39%
                       1           0       0       4           0               3                 0
                     1%         0%       0%      1%          0%              2%                0%
                        *          *        *       *          0                *                0
                      *%         *%       *%      *%         0%               *%               0%
                      17           3     -14     -35          18             -33                -7
                    25%        29%     -13%     -9%         11%            -23%               -4%
rs
     B2B and Consumer
                   150
                   157
                   *25
                  16%
                    59
                  38%
                   *73
                  46%
                      *
                    *%
                     0
                   0%
                   -34
                 -22%
                            4-Sep-12
Business Barometer June 2012

Table 13/ 1

QA10a By what percentage has turnover increased (among those where turnover has increased)?

Base: All where turnover has increased over the past 12 months
                                                              Sector                         Size of business
                                          Total   Prim/Manu Const    TRAD Services       1 to 9
Unweighted row                              163           37   17       45      64           49
Total                                       126           27   12       46      42           89
Up to 5%                                     40           11    3       14      12           30
                                           31%          40%  27%      31%     28%         33%
6%-10%                                       34            5    1       12     *16          *20
                                           27%          18%   9%      26%     39%         22%
11%-20%                                      26            3    3       12       8           20
                                           21%          12%  27%      26%     20%         23%
21%-50%                                      22            7    4        7       4           17
                                           17%          25%  31%      15%     10%         19%
51% and over                                  2            0    1        0       1            1
                                            1%           0%   6%       0%      3%           1%
Don't know                                    3            2    0        1       *            2
                                            2%           6%   0%       2%      1%           2%
Mean Score                                 14.9         14.1 31.4     12.1    13.5        14.5
Page 10

IFF Research JN5136
Size of business             Exporter                                Customers
       10 to 49  50 to 249   Yes      No    B2B only    Consumer only Any public sector
             73         41     43    120          81               29                64
             31          5     32      94         66               26                49
              9          1     *6     *34        *15              *14               *11
           28%        23%    18%    36%         22%              52%               22%
            *13          1      9      25         20                6                11
           40%        27%    27%    26%         31%              23%               22%
              5          1    *11     *15         17                3               *16
           15%        27%    36%    16%         26%              10%               33%
              4          1      6      16         14                2                10
           13%        13%    19%    16%         20%               9%               21%
              1          0      0       2           *              *2                 0
            2%         0%     0%      2%          *%              6%                0%
              1          *      0       3           *               0                 1
            3%         9%     0%      3%          *%              0%                2%
           15.9       14.3   15.3   14.7        16.6             11.8              16.8
rs
     B2B and Consumer
                    41
                    25
                    10
                  39%
                     7
                  29%
                     3
                  10%
                     3
                  13%
                     0
                   0%
                    *2
                   9%
                    12
                           4-Sep-12
Business Barometer June 2012

Table 14/ 1

QA10b By what percentage has turnover decreased (among those where turnover has decreased)?

Base: All where turnover has decreased over the past 12 months
                                                              Sector                        Size of business
                                          Total   Prim/Manu Const    TRAD Services      1 to 9
Unweighted row                              145           22   16       35      72          83
Total                                       175           17   27       57      75        159
Up to 5%                                     13           *3    0        3       6          *8
                                            7%          19%   0%       5%      8%          5%
6%-10%                                       47            2    6       19      20          44
                                           27%          13%  22%      33%     27%        27%
11%-20%                                      50            7    9       14      19          46
                                           29%          44%  34%      25%     26%        29%
21%-50%                                      46            4    9       13      20          43
                                           26%          24%  34%      23%     26%        27%
51% and over                                  2            0    0        0       2           2
                                            1%           0%   0%       0%      3%          1%
Don't know                                   18            0    3        8       7          16
                                           10%           0%  10%      13%     10%        10%
Mean Score                                 19.4         17.7 22.8     17.4    20.1       19.9
Page 11

IFF Research JN5136
Size of business               Exporter                                 Customers
       10 to 49  50 to 249     Yes      No     B2B only    Consumer only Any public sector
             42          20      36    109           41               47                57
             14           2      46    129           48               60                56
             *4          *1       3       9            4               5                 3
           27%        27%       7%      7%          7%               9%                6%
              2           1      13      33          10              *29                *8
           17%        36%      29%    26%          22%              49%               15%
              4           1      10      40          19               *7               *23
           26%        32%      22%    31%          40%              12%               41%
              3           *-     15      31          12               11                15
           19%         0%      32%    24%          25%              18%               27%
              0           0       2       *-           2               0                 2
            0%         0%       5%      0%          5%               0%                4%
              2            *      2      15           **               7                 4
           11%         4%       5%    12%           1%              12%                7%
           15.7         9.9    23.5   17.9         21.8             15.1              23.5
rs
     B2B and Consumer
                    43
                    59
                     3
                   5%
                    *6
                   9%
                    21
                  35%
                    20
                  33%
                     0
                   0%
                    10
                  17%
                  20.8
                           4-Sep-12
Business Barometer June 2012

Table 15/ 1

QA11 Whether turnover has increased or decreased by up to 10% or 10% or more compared with 12 months ago (amo

Base: All who Don't know by what percentage their turnover has increased or decreased compared with 12 months ago
                                                                    Sector                             Size of business
                                          Total Prim/Manu Const            TRAD Services           1 to 9
Unweighted row                               22              1       1          6        14            10
Total                                        21              2       3          8         8            17
Up to 10%                                     4              2       0          2         1             3
                                           22%          100%        0%       25%       10%           19%
Over 10%, up to 20%                           8              0       0          5         4             7
                                           41%             0%       0%       54%       48%           42%
More than 20%                                 4              0       3          2         *-            4
                                           22%             0% 100%           21%        0%           26%
Don't know                                    3              0       0          0         3             2
                                           16%             0%       0%        0%       42%           12%
Page 12

IFF Research JN5136
d with 12 months ago (among those who did not know the exact increase/decrease figure)

d with 12 months ago
          Size of business             Exporter                                 Customers
                 10 to 49  50 to 249   Yes      No      B2B only   Consumer only Any public sector
                        8          4     3      19             4               5                 9
                        2          1     2      18             *               7                 5
                        1          *      *      4             *               0                 1
                     26%        70%     2%    24%           65%              0%               18%
                        1          0     2       6             0               4                 1
                     37%         0%    79%    35%            0%             59%               13%
                        0          0     0       4             0               2                 3
                      0%         0%     0%    25%            0%             26%               52%
                        1          *      *      3             *               1                 1
                     37%        30%    19%    15%           35%             15%               17%
rs
     B2B and Consumer
                     9
                    12
                     3
                  28%
                     4
                  35%
                     3
                  22%
                     2
                  15%
                          4-Sep-12
Business Barometer June 2012

Table 16/ 1

QA12 In the next 12 months do you expect your turnover to increase, decrease or stay roughly the same?

Base: All Respondents
                                                            Sector                               Size of business
                                       Total    Prim/Manu Const    TRAD Services             1 to 9
Unweighted row                           500            91   49      123     237               227
Total                                    500            69   62      166     204               420
Increase                                 143            25   14       44      59              *106
                                        29%           36%  23%      27%     29%               25%
Decrease                                  81             6    4       32      38                 71
                                        16%            9%   7%      20%     19%               17%
Stay the same                            257            36  *43       83      95              *227
                                        51%           52%  69%      50%     47%               54%
Don't know                                19             2    *        6      11                 15
                                         4%            3%   1%       3%      5%                 4%
Unwilling to answer                         *            0    0        0        *                 0
                                          *%           0%   0%       0%       *%                0%
Page 13

IFF Research JN5136
ghly the same?


         Size of business              Exporter                                Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91     121    379         174             136               187
                      69         11     111    389         166             147               172
                     *31          *5     39    103         *59             *32                52
                    45%        45%     35%    27%         35%             22%               30%
                       9          *1     21      60         24             *36               *14
                    13%         7%     19%    15%         14%             25%                8%
                     *25           5    *47   *210         *74              76              *101
                    37%        46%     43%    54%         45%             51%               59%
                       3           *      3      15          9               3                 6
                     4%         2%      3%      4%         5%              2%                3%
                        *          *       *      *          0                *                0
                      *%         *%      *%     *%         0%               *%               0%
rs
     B2B and Consumer
                   150
                   157
                    46
                  29%
                    19
                  12%
                    86
                  55%
                     6
                   4%
                     0
                   0%
                            4-Sep-12
Business Barometer June 2012

Table 17/ 1

QA13a By what percentage do you expect turnover to increase by in the next 12 months (among those who expect tu

Base: All who expect turnover to increase in the next 12 months
                                                               Sector                          Size of business
                                           Total   Prim/Manu Const    TRAD Services        1 to 9
Unweighted row                               170           39   15       41      75            57
Total                                        143           25   14       44      59          106
Up to 5%                                      36            8    3       13      11            25
                                            25%          33%  23%      29%     19%          24%
6%-10%                                        36            5    1       14      17           *22
                                            26%          19%   9%      31%     28%          21%
11%-20%                                       34          *11    3       *5      15            29
                                            24%          44%  19%      12%     26%          27%
21%-50%                                       24           *1   *7        4      12            20
                                            17%           4%  49%       9%     21%          19%
51% and over                                   1            0    0        0       1             1
                                             1%           0%   0%       0%      2%            1%
Don't know                                    11            0    0       *9       2             8
                                             7%           0%   0%      19%      3%            8%
Mean Score                                  15.2         11.9 22.6     10.5    17.8         16.3
Page 14

IFF Research JN5136
among those who expect turnover to increase)?


         Size of business             Exporter                               Customers
                10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                      78         35     53    117          76              36                65
                      31          5     39    103          59              32                52
                       9          2      6      30         11               9                12
                    28%        32%    16%    29%         19%             28%               22%
                     *12          2     10      26         19               8                 9
                    39%        37%    26%    25%         33%             26%               18%
                       5          1     11      23         17              *4               *22
                    14%        17%    29%    22%         28%             12%               42%
                       4          1      8      17          9               6                 8
                    12%        11%    20%    16%         16%             19%               16%
                       0          0      1       0          0               0                 0
                     0%         0%     3%      0%         0%              0%                0%
                       2          *      2       8          2              *5                *1
                     6%         3%     5%      8%         4%             16%                2%
                    12.3       12.1   19.8   13.5          15            12.9              15.8
rs
     B2B and Consumer
                    51
                    46
                    13
                  28%
                     9
                  19%
                    14
                  30%
                     7
                  14%
                     1
                   3%
                     3
                   6%
                    17
                            4-Sep-12
Business Barometer June 2012

Table 18/ 1

QA13b By what percentage do you expect turnover to decrease by in the next 12 months (among those who expect tu

Base: All who expect turnover to decrease in the next 12 months
                                                               Sector                         Size of business
                                           Total   Prim/Manu Const    TRAD Services       1 to 9
Unweighted row                                76           8     9       21      38           39
Total                                         81           6     4       32      38           71
Up to 5%                                      18           2     *        6       9           15
                                            22%          32%  10%      19%     25%         21%
6%-10%                                        24           2     *        7      15           21
                                            29%          33%   7%      21%     39%         30%
11%-20%                                       14            *    1        8       5           12
                                            17%           5%  19%      25%     13%         17%
21%-50%                                        5           0     *        2       3            5
                                             7%           0%   2%       6%      9%           7%
51% and over                                   6           0     0        4       1            5
                                             7%           0%   0%      13%      3%           7%
Don't know                                    14           2    *3        5       4           13
                                            18%          30%  61%      17%     11%         18%
Mean Score                                  19.4           8  13.4       26    15.9        20.1
Page 15

IFF Research JN5136
among those who expect turnover to decrease)?


        Size of business             Exporter                               Customers
               10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                     28          9     16      60         18              31                23
                      9          1     21      60         24              36                14
                      2          *      4      14          6               9                 3
                   26%        51%    18%    23%         26%             24%               19%
                      3          *      7      17          7              *6                 6
                   30%         6%    32%    28%         30%             17%               45%
                      2          *      6       8          5               8                 1
                   21%        28%    30%    13%         21%             23%                7%
                      0          *      2       3          1               1                 1
                    0%        15%     9%      6%         5%              3%               10%
                      1          0      0       6          0              *5                 1
                    7%         0%     0%      9%         0%             14%                5%
                      1          0      2      12          4               7                 2
                   16%         0%    11%    20%         17%             19%               15%
                   14.6       12.3   12.9   21.9        12.2            27.3              15.8
rs
     B2B and Consumer
                    20
                    19
                      3
                  15%
                   *10
                  51%
                     **
                   2%
                      2
                  11%
                      1
                   3%
                      3
                  17%
                  13.4
                            4-Sep-12
Business Barometer June 2012

Table 19/ 1

QA14 Whether expect turnover to increase or decrese by up to 10% or 10% or more compared in the next 12 months

Base: All who Don't know by what percentage they expect turnover to increase or decrease by in the next 12 months
                                                                  Sector                                 Size of business
                                          Total Prim/Manu Const           TRAD Services              1 to 9
Unweighted row                               24             2        1          9        12              13
Total                                        25             2        3        14          6              21
Up to 10%                                    13             2        3          6         3              12
                                           52%          83% 100%            44%        40%            56%
Over 10%, up to 20%                           4             0        0          4         0               4
                                           17%            0%      0%        31%         0%            17%
More than 20%                                 2             0        0          0         2               1
                                            8%            0%      0%         0%        32%              5%
Don't know                                    6             *        0          4         2               5
                                           23%          17%       0%        26%        28%            22%
Page 16

IFF Research JN5136
red in the next 12 months (among those who did not know the exact increase/decrease figure)

the next 12 months
          Size of business             Exporter                                 Customers
                 10 to 49  50 to 249   Yes      No      B2B only   Consumer only Any public sector
                       10          1     5       19            6               9                 7
                        3          *     4       21            7              12                 3
                        1          *     2       11            4               8                 1
                     24%       100%    48%    53%           65%             63%               33%
                        1          0     0        4            0               0                 1
                     20%         0%     0%    21%            0%              0%               21%
                        1          0      *       2            1               1                 1
                     27%         0%     5%      9%           8%             11%               22%
                        1          0     2        4            2               3                 1
                     28%         0%    47%    17%           27%             26%               23%
rs
     B2B and Consumer
                    7
                    6
                    1
                  21%
                    4
                  71%
                    0
                   0%
                    1
                   9%
                           4-Sep-12
Business Barometer June 2012

Table 20/ 1

QA15 Taking into account all sources of income in the last 12 months, did you generate a profit or surplus

Base: All Respondents
                                                                   Sector                           Size of business
                                           Total Prim/Manu Const          TRAD Services         1 to 9
Unweighted row                               500            91      49      123     237           227
Total                                        500            69      62      166     204           420
                                             183             months 26
Yes - and profit/surplus increased compared with previous 1226               57      75          *148
                                            37%           37%     42%      34%     37%           35%
                                             155             months 19
Yes - but profit/surplus decreased compared with previous 1221               56      60           135
                                            31%           31%     30%      34%     29%           32%
No                                           132            18      15       48      50           112
                                            26%           26%     24%      29%     25%           27%
Don't know                                    27             4       3       *3     *18             23
                                             5%            6%      4%       2%      9%             5%
Refused                                         2            0       0        2        *             2
                                              *%           0%      0%       1%       *%            *%
Any profit made in the last 12 months        339            47      45      112     135           283
                                            68%           68%     72%      68%     66%           67%
Page 17

IFF Research JN5136
profit or surplus


          Size of business             Exporter                                Customers
                 10 to 49  50 to 249   Yes      No     B2B only   Consumer only Any public sector
                      182         91    121    379          174             136               187
                       69         11    111    389          166             147               172
                       30          5     46    138          *73             *43                65
                     44%        47%    41%    35%          44%             29%               38%
                       17          3     36    120           47              50                52
                     24%        31%    32%    31%          28%             34%               30%
                       18         *2     24    108          *34              48                43
                     26%        16%    21%    28%          21%             32%               25%
                        4          1      4      23          10               7                11
                      6%         5%     4%      6%          6%              5%                7%
                         *         0     *2       **          2               0                 2
                       *%        0%     2%      *%          1%              0%                1%
                       47         *9     81    257          120              93               117
                     68%        78%    73%    66%          72%             63%               68%
rs
     B2B and Consumer
                   150
                   157
                    53
                  34%
                    52
                  33%
                    46
                  29%
                     6
                   4%
                     0
                   0%
                   105
                  67%
                         4-Sep-12
Business Barometer June 2012

Table 23/ 1

QA16B Do you expect to make a profit in the next 12 months?

Base: All Respondents
                                                            Sector                     Size of business
                                       Total   Prim/Manu Const     TRAD Services   1 to 9
Unweighted row                           500           91    49      123     237     227
Total                                    500           69    62      166     204     420
Yes                                      384          *62    45      136    *142     322
                                        77%          90%   72%      82%     70%     77%
No                                       101            *7   12       27     *56       86
                                        20%          10%   19%      16%     28%     21%
Unwilling to answer                        5             *    0        2       3        4
                                         1%            *%   0%       1%      2%       1%
Don't know                                 9             *   *5        1       2        8
                                         2%            *%   9%       1%      1%       2%
Page 18

IFF Research JN5136
Size of business              Exporter                                 Customers
       10 to 49  50 to 249    Yes      No     B2B only   Consumer only Any public sector
            182         91     121    379          174             136               187
             69         11     111    389          166             147               172
             53        *10      91    294          130            *104              *145
           76%        86%     82%    75%          78%             71%               84%
             14          1     *13     *89          30             *39               *23
           20%        12%     11%    23%          18%             26%               13%
              1           *     *4       *1         *5                *                *5
            2%          *%     4%       *%         3%               *%               3%
              1           *      3        6          1               4                 **
            2%         1%      3%      1%          1%              3%                 *%
rs
     B2B and Consumer
                   150
                   157
                   124
                  79%
                    29
                  18%
                     0
                   0%
                     4
                   3%
                          4-Sep-12
Business Barometer June 2012

Table 24/ 1

QA17 Over the next two to three years, do you aim to grow your business?

Base: All Respondents
                                                           Sector                      Size of business
                                       Total   Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                           500           91   49      123     237      227
Total                                    500           69   62      166     204      420
Yes                                      304           47   31      *89    *138     *241
                                        61%          68%  50%      54%     68%      57%
No                                       187           22   31       71     *64     *173
                                        37%          32%  50%      43%     31%      41%
Unwilling to answer                        3            0    0        2        *        2
                                         1%           0%   0%       1%       *%       *%
Don't know                                 6            *    0        4       1         5
                                         1%           *%   0%       2%      1%        1%
Page 19

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No   B2B only    Consumer only Any public sector
            182         91     121    379        174              136               187
             69         11     111    389        166              147               172
            *54         *9     *77   *227       *112              *72              *117
           79%        84%     69%    58%        68%              49%               68%
            *14         *1     *32   *156         53              *71                55
           20%        11%     28%    40%        32%              48%               32%
              *          **       *     2          0               *2                 0
            1%         3%       *%     1%        0%               2%                0%
              1           *      2      3           *               2                 0
            1%         2%      2%      1%         *%              1%                0%
rs
     B2B and Consumer
                   150
                   157
                   100
                  64%
                    54
                  34%
                     0
                   0%
                     3
                   2%
                             4-Sep-12
Business Barometer June 2012

Table 25/ 1

QA18 Do you expect to fund your business growth using internal finances or from external finance providers?

Base: All who aim to grow their business over the next 2-3 years
                                                                Sector                           Size of business
                                            Total   Prim/Manu Const    TRAD Services         1 to 9
Unweighted row                                347           70   34       75     168           134
Total                                         304           47   31       89     138           241
Internal finance                              196          *23   23       56      94           156
                                             64%          50%  74%      63%     68%           65%
External finance                               36            8    1        9      19             30
                                             12%          17%   3%      10%     13%           12%
Both                                           66          *15    7       20      24             51
                                             22%          32%  21%      23%     18%           21%
Don't know                                      6            1    1       *4       1              4
                                              2%           1%   2%       4%       *%            1%
Page 20

IFF Research JN5136
finance providers?


        Size of business             Exporter                               Customers
               10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                    137         76     97    250         136              73               143
                     54          9     77    227         112              72               117
                     35         *5     53    143         *82             *37                83
                   65%        49%    69%    63%         73%             52%               71%
                      5          1      5      31         *7             *15                *7
                   10%         9%     7%    14%          6%             21%                6%
                     12         *4     18      48         23              16                26
                   22%        38%    24%    21%         20%             22%               23%
                      2          *      1       5          1              *4                 1
                    3%         5%     1%      2%         1%              5%                1%
rs
     B2B and Consumer
                   110
                   100
                    63
                  63%
                    14
                  14%
                    22
                  22%
                     1
                   1%
                             4-Sep-12
Business Barometer June 2012

Table 26/ 1

QA18A. Are you planning to increase investment in your business in the next 12 months to achieve growth?

Base: All who aim to grow their business over the next 2-3 years
                                                                Sector                          Size of business
                                            Total   Prim/Manu Const    TRAD Services        1 to 9
Unweighted row                                347           70   34       75     168          134
Total                                         304           47   31       89     138          241
Yes                                           210           31   21      *70     *88          164
                                             69%          67%  67%      79%     63%          68%
No                                             92           15   10      *17     *50            75
                                             30%          33%  33%      19%     36%          31%
Don't know                                      2            0    0        2       1             2
                                              1%           0%   0%       2%       *%           1%
Page 21

IFF Research JN5136
achieve growth?


       Size of business             Exporter                               Customers
              10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
                   137         76     97    250        136              73               143
                    54          9     77    227        112              72               117
                    38          7     55    155        *86             *39                87
                  71%        76%    72%    68%        76%             54%               74%
                    16          2     20     72        *25             *33               *28
                  29%        22%    26%    32%        22%             46%               24%
                     *          *      2      1          2                *                2
                   1%         2%     2%      *%        2%               *%               2%
rs
     B2B and Consumer
                   110
                   100
                    70
                  70%
                    30
                  30%
                      *
                    *%
                              4-Sep-12
Business Barometer June 2012

Table 27/ 1

QA18B. Which of these types of investment, if any, are you planning to do in the next 12 months?

Base: All who aim to increase investment in the next 12 months
                                                                Sector                             Size of business
                                           Total   Prim/Manu Const     TRAD Services           1 to 9
Unweighted row                               241           48    23       58     112               90
Total                                        210           31    21       70      88             164
Training of existing staff                   148          *18    18       46      67             113
                                            71%          57%   87%      65%     76%             69%
Buy new equipment or machinery               136          *30    16       40     *49             103
                                            65%          96%   79%      57%     56%             62%
Hiring new staff                             127           18   *17       43      48               95
                                            60%          57%   84%      62%     55%             58%
Move to larger/better quality premises        27            4     4        7      12               19
                                            13%          13%   19%      10%     13%             12%
Advertising/marketing                         15            1     0        5       9               11
                                             7%           2%    0%       7%     11%               6%
Improving property/premises                   10            1     0       *7       2                7
                                             5%           2%    0%      10%      2%               4%
Expansion of business                          9             *   *3        3       3                7
                                             4%           1%   13%       5%      3%               4%
Research and Development                       8            2     *        3       3                6
                                             4%           6%    2%       4%      4%               4%
New stock/products                             6             *    0        2       4                5
                                             3%           1%    0%       3%      4%               3%
IT                                             5            0     0        1      *4                3
                                             3%           0%    0%       1%      5%               2%
New capital/funding                            3             *    *        0       2                2
                                             1%            *%   1%       0%      3%               1%
Acquisition of another business                1            0     0        0       1                0
                                              *%          0%    0%       0%      1%               0%
Other                                          4            2     *        0       2                3
                                             2%           5%    2%       0%      2%               2%
Don't know                                     3            0     0        0       3                3
                                             2%           0%    0%       0%      4%               2%
Page 22

IFF Research JN5136
Size of business             Exporter                                 Customers
       10 to 49  50 to 249   Yes      No     B2B only    Consumer only Any public sector
             95         56     71    170          104               45               101
             38          7     55    155           86               39                87
             30         *6     38    111           57               27               *72
           78%        85%    68%    72%          67%              70%               83%
             28          5     34    102           58              *19               *64
           74%        72%    62%    66%          68%              49%               74%
             26         *6     36      91          54               24                58
           67%        81%    65%    59%          63%              60%               67%
              6         *2    *13     *14          10                6                12
           15%        30%    24%      9%         11%              16%               14%
              4          1       5     10           8                *                  5
            9%        12%     9%      6%          9%               1%                6%
              3          *       2       8          2                1                  6
            7%         5%     4%      5%          2%               2%                7%
              2          *       3       6          3                3                  4
            5%         4%     5%      4%          3%               7%                4%
              2          1      *8      *1          1                2                 *6
            4%         9%    14%       *%         2%               5%                7%
              1          *       2       4          3               *3                 **
            2%         4%     4%      3%          3%               9%                 *%
              2          *       *       5          3                0                  4
            4%         5%     1%      3%          4%               0%                5%
              *          *       *       3           *               *                  2
            1%         3%      *%     2%           *%              1%                3%
              1          *       1       *          1                0                  *
            1%         1%     1%       *%         1%               0%                 *%
              1          *       1       3          1                *                  1
            3%         1%     1%      2%          1%               1%                1%
              0          0       0       3          0               *2                  1
            0%         0%     0%      2%          0%               6%                1%
rs
     B2B and Consumer
                    72
                    70
                    49
                  70%
                    50
                  71%
                   *36
                  51%
                      6
                   8%
                      6
                   9%
                     *7
                  10%
                      4
                   5%
                      3
                   4%
                      *
                    *%
                      2
                   3%
                      2
                   3%
                      *
                    *%
                      3
                   4%
                      0
                   0%
                          4-Sep-12
Business Barometer June 2012

Table 28/ 1

QA19 Have you introduced new or significantly improved products or services in the past 12 months?

Base: All Respondents
                                                            Sector                              Size of business
                                       Total    Prim/Manu Const    TRAD Services            1 to 9
Unweighted row                           500            91   49      123     237              227
Total                                    500            69   62      166     204              420
Yes                                      223            28   29       80      86             *182
                                        45%           41%  47%      48%     42%              43%
No                                       276            41   33       86     117             *238
                                        55%           59%  53%      52%     57%              57%
Don't know                                  *            0    0        0        *                0
                                          *%           0%   0%       0%       *%               0%
Page 23

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
             35         *7    *71   *153          70              60               *92
           51%        61%    64%    39%         42%             41%               53%
             34         *4    *40   *236          96              87               *80
           49%        39%    36%    61%         58%             59%               47%
              *          0      0       *          0               0                  *
            1%         0%     0%      *%         0%              0%                 *%
rs
     B2B and Consumer
                   150
                   157
                    75
                  47%
                    82
                  52%
                      *
                    *%
                         4-Sep-12
Business Barometer June 2012

Table 29/ 1

QA20 Have you introduced new or significantly improved processes in the last 12 months?

Base: All Respondents
                                                           Sector                             Size of business
                                       Total   Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                           500           91   49      123     237             227
Total                                    500           69   62      166     204             420
Yes                                      149           23   15       48      64            *114
                                        30%          34%  23%      29%     31%             27%
No                                       351           46   48      118     140            *306
                                        70%          66%  77%      71%     69%             73%
Page 24

IFF Research JN5136
Size of business             Exporter                              Customers
       10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
            182         91    121    379        174             136               187
             69         11    111    389        166             147               172
            *29         *6     33    116         48              43                58
           42%        54%    30%    30%        29%             30%               34%
            *40         *5     78    273        117             104               114
           58%        46%    70%    70%        71%             70%               66%
rs
     B2B and Consumer
                   150
                   157
                    48
                  31%
                   109
                  69%
                          4-Sep-12
Business Barometer June 2012

Table 32/ 1

QA21 Over the past 12 months, has your business funded or arranged any training and development for staff in the or

Base: All Respondents
                                                            Sector                                Size of business
                                        Total   Prim/Manu Const    TRAD Services              1 to 9
Unweighted row                            500           91   49      123     237                227
Total                                     500           69   62      166     204                420
Yes                                       321           47   35      *85    *154               *250
                                         64%          68%  56%      51%     76%                60%
No                                        179           22   27      *81     *50               *170
                                         36%          32%  44%      49%     24%                40%
Page 25

IFF Research JN5136
velopment for staff in the organisation, including any informal on the job training?


          Size of business                Exporter                                   Customers
                 10 to 49  50 to 249      Yes      No       B2B only    Consumer only Any public sector
                      182         91       121    379            174              136               187
                       69         11       111    389            166              147               172
                      *60        *11       *88   *233            114               85              *124
                     86%        98%       79%    60%            69%              58%               72%
                       *9          **      *23   *156             52               62               *48
                     14%         2%       21%    40%            31%              42%               28%
rs
     B2B and Consumer
                   150
                   157
                    99
                  63%
                    58
                  37%
                           4-Sep-12
Business Barometer June 2012

Table 33/ 1

QA21a Has any of this training been used to develop management skills?

Base: All whose business has funded/arranged training for staff over past year
                                                                     Sector                      Size of business
                                          Total Prim/Manu Const              TRAD Services   1 to 9
Unweighted row                              389             72        39         73    205     139
Total                                       321             47        35         85    154     250
Yes                                         137            *15        16         29    *78      *95
                                           43%            31%      44%         34%    51%     38%
No                                          183            *32        20         56    *75    *155
                                           57%            69%      56%         66%    49%     62%
Page 26

IFF Research JN5136
Size of business             Exporter                              Customers
       10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
            161         89    105    284        138              99               159
             60         11     88    233        114              85               124
            *35         *7     42     95         52              31               *63
           59%        66%    48%    41%        46%             36%               51%
            *24         *4     46    137         61              54               *61
           41%        34%    52%    59%        54%             64%               49%
rs
     B2B and Consumer
                   116
                    99
                    41
                  41%
                    58
                  59%
                           4-Sep-12
Business Barometer June 2012

Table 34/ 1

QA21B Over the next 12 months do you expect to reduce, maintain or increase your investment in training?

Base: All whose business has funded/arranged training for staff over past year
                                                                     Sector                       Size of business
                                          Total Prim/Manu Const              TRAD Services   1 to 9
Unweighted row                              389             72        39         73    205     139
Total                                       321             47        35         85    154     250
Reduce investment in training                30              4         1        *13     12      *27
                                            9%             9%        2%        16%     8%     11%
Maintain investment in training             218             31       *30         57    101     172
                                           68%            65%      84%         67%    66%     69%
Increase investment in training              71             12         5         14     40       51
                                           22%            26%      14%         17%    26%     20%
Don't know                                    2              0         0          1      1         1
                                            1%             0%        0%         1%     1%        *%
Page 27

IFF Research JN5136
ment in training?


         Size of business              Exporter                              Customers
                10 to 49  50 to 249    Yes      No   B2B only   Consumer only Any public sector
                     161         89     105    284        138              99               159
                      60         11      88    233        114              85               124
                       3          **      7     23         *4             *13                11
                     5%         2%      8%    10%         4%             16%                9%
                      39           7     65    153         81              57                81
                    66%        64%     74%    66%        71%             67%               65%
                      16         *4      15     56         28              14                32
                    27%        34%     17%    24%        25%             17%               26%
                       1           0      1      1          1               0                 0
                     1%         0%      1%      *%        1%              0%                0%
rs
     B2B and Consumer
                   116
                    99
                    10
                  10%
                    68
                  69%
                    21
                  21%
                     0
                   0%
                          4-Sep-12
Business Barometer June 2012

Table 35/ 1

QA22 Does your business currently sell goods or services or licence your products outside of the UK?

Base: All Respondents
                                                            Sector                               Size of business
                                        Total   Prim/Manu Const    TRAD Services             1 to 9
Unweighted row                            500           91   49      123     237               227
Total                                     500           69   62      166     204               420
Yes                                       111          *23   *6       37      45                 89
                                         22%          33%  10%      23%     22%               21%
No                                        388          *46  *56      128     158               330
                                         78%          67%  90%      77%     77%               79%
Don't know                                  1            0    0        0       1                  1
                                           *%          0%   0%       0%      1%                 *%
Page 28

IFF Research JN5136
e of the UK?


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91     121    379         174             136               187
                      69         11     111    389         166             147               172
                      18         *4     111      *-        *62             *17               *50
                    26%        40%    100%      0%        37%             12%               29%
                      51         *7       *-   388        *103            *130              *122
                    74%        60%      0% 100%           62%             88%               71%
                       0          0       0      1           1               0                 0
                     0%         0%      0%      *%         1%              0%                0%
rs
     B2B and Consumer
                   150
                   157
                   *23
                  14%
                  *135
                  86%
                     0
                   0%
                             4-Sep-12
Business Barometer June 2012

Table 36/ 1

QA22a What percentage of your annual turnover do exports or overseas licensing account for?

Base: All who currently export goods or sell outside the UK
                                                                Sector                            Size of business
                                            Total   Prim/Manu Const    TRAD Services          1 to 9
Unweighted row                                121           41    6       31      43              49
Total                                         111           23    6       37      45              89
Up to 5%                                       33            5   *6       10      13              25
                                             30%          24%  93%      26%     28%            28%
6%-10%                                         20          *10    0        4       5             *18
                                             18%          46%   0%      12%     10%            20%
11%-20%                                        20           *1    0        8      11              16
                                             18%           4%   0%      22%     23%            18%
21%-50%                                        11            3    *        4       4               9
                                             10%          14%   5%      11%      8%            10%
51% and over                                   23            2    *       10      10              19
                                             20%          10%   2%      28%     22%            21%
Don't know                                      4            *    0        1       3               2
                                              4%           2%   0%       2%      8%              3%
Mean Score                                   27.7           18    7     32.2    32.1           28.5
Page 29

IFF Research JN5136
Size of business            Exporter                           Customers
       10 to 49  50 to 249      Yes    B2B only   Consumer only Any public sector
             44         28       121         72              12                51
             18          4       111         62              17                50
              7          1        33        *12               5                12
           41%        30%       30%        20%             28%               23%
              1           *       20        *16               4                 6
            7%         5%       18%        25%             22%               13%
              4          *-       20         12               4                 9
           20%         0%       18%        20%             21%               19%
              2          1        11          7               0               *10
           11%        13%       10%        11%              0%               19%
              3          1        23         13               4                11
           15%        30%       20%        22%             22%               23%
              1         *1         4          1               1                 2
            6%        21%        4%         2%              7%                4%
           21.4       40.7      27.7       29.8            25.6              33.5
rs
     B2B and Consumer
                    32
                    23
                   *13
                  59%
                     **
                   1%
                      4
                  18%
                      2
                  11%
                    *1
                   3%
                      2
                   8%
                  10.5
                             4-Sep-12
Business Barometer June 2012

Table A23/ 1

QA23 In the next 12 months do you expect your export/overseas sales to increase, decrease or stay roughly the same

Base: All who currently export goods or sell outside the UK
                                                                Sector                           Size of business
                                            Total   Prim/Manu Const    TRAD Services         1 to 9
Unweighted row                                121           41    6       31      43             49
Total                                         111           23    6       37      45             89
Increase                                       31            8    0       *4     *19            *21
                                             28%          36%   0%       9%     42%           24%
Decrease                                        8            2    0         4      2             *7
                                              7%           7%   0%      10%      5%             8%
Stay the same                                  70           13    6       28     *23             58
                                             63%          56% 100%      75%     52%           66%
Don't know                                      3            *    0         2       *             2
                                              2%           1%   0%       6%       *%            2%
NET                                            23            6    0        **    *17            *14
                                             21%          29%   0%       *%     37%           15%
Page 30

IFF Research JN5136
se or stay roughly the same as the last 12 months?


          Size of business           Exporter                                Customers
                 10 to 49  50 to 249     Yes         B2B only   Consumer only Any public sector
                       44         28      121              72              12                51
                       18          4      111              62              17                50
                       *8          2       31             *24               1                14
                     43%        41%      28%             38%              7%               28%
                        0          *        8              *2              *4                 2
                      0%         4%       7%              3%             21%                5%
                       10          2       70              35              12                34
                     55%        49%      63%             56%             71%               67%
                        1          *        3               2               *                 0
                      3%         7%       2%              3%              1%                0%
                       *8          2       23             *22             *-2                12
                     43%        37%      21%             35%            -14%               24%
rs
     B2B and Consumer
                    32
                    23
                    *2
                  11%
                      2
                  11%
                    17
                  76%
                      1
                   3%
                     **
                   *%
                            4-Sep-12
Business Barometer June 2012

Table 38/ 1

QA24 Do you have any plans to start exporting or licensing your products or services outside UK in the next 12 month

Base: All who don’t export or sell goods outside the UK (or who don’t know or refused to say whether they do)
                                                                      Sector                               Size of business
                                             Total Prim/Manu Const           TRAD Services             1 to 9
Unweighted row                                 379            50       43         92       194            178
Total                                          389            46       56       128        159            331
Yes                                               9            *        *          5         3              6
                                               2%            1%       *%         4%        2%             2%
No                                             378            44       56       123        155            323
                                              97%           95% 100%           96%        98%            98%
Don't know                                        2            2        0          0         0              2
                                                *%           4%       0%         0%        0%             1%
Page 31

IFF Research JN5136
ide UK in the next 12 months?


         Size of business           Exporter                            Customers
                10 to 49  50 to 249       No   B2B only   Consumer only Any public sector
                     138         63      379        102             124               136
                      51          7      389        104             130               122
                       2         *1        9          4                *                4
                     4%         8%       2%         4%               *%               3%
                      49         *6      378        100             128               118
                    96%        92%      97%        96%             99%               97%
                       0          0        2          0               2                 0
                     0%         0%        *%        0%              1%                0%
rs
     B2B and Consumer
                   118
                   135
                     4
                   3%
                   130
                  97%
                     0
                   0%
                            4-Sep-12
Business Barometer June 2012

Table 39/ 1

QA24a What are the barriers that prevent your business exporting?

Base: All who aren't exporting and have no plans to do so
                                                                   Sector                      Size of business
                                            Total Prim/Manu Const         TRAD Services    1 to 9
Unweighted row                                367              48   42       88     189      173
Total                                         378              44   56      123     155      323
                                              218
Do not have a product/service that can be exported            *14   34       70     *99      182
                                             57%            33%   60%      57%     64%      56%
Not part of business plan                     112              11   15      *47      38        99
                                             30%            25%   28%      38%     25%      31%
                                               61
Have sufficient business in the UK already/prefer to be local *14    6      *11      30        55
                                             16%            32%   10%       9%     19%      17%
Lack of finance to enable exporting            13               2    3        3        5       11
                                              4%              4%   6%       3%      3%        3%
Little knowledge of how to export              12               1    1        6        5       10
                                              3%              1%   2%       4%      3%        3%
Regulations inc. Legislation, red tape         10               2    0        2        6        8
                                              3%              4%   0%       2%      4%        3%
Difficulty finding overseas customers          10               3    *        4        3        8
                                              3%              6%   *%       4%      2%        2%
Put off by cashflow/exchange rate/payment risks8                0    3        4       **        6
                                              2%              0%   5%       4%       *%       2%
Competition in the EU                           6               2    0        0        5        6
                                              2%              4%   0%       0%      3%        2%
Taxes/duties                                    4               0    0       *4        *        4
                                              1%              0%   0%       3%       *%       1%
Logistics unspec.                               3               *   *3        0        0        3
                                              1%              1%   5%       0%      0%        1%
Business too small/newly started                2               0    0        2        *        2
                                              1%              0%   0%       1%       *%       1%
System/standards too different abroad            *              0    *        0        0        0
                                               *%             0%   1%       0%      0%        0%
Other                                           8               *    0        3        5        7
                                              2%              1%   0%       2%      3%        2%
Don't know                                      2               0    0        0        2        2
                                              1%              0%   0%       0%      2%        1%
Refused                                         2               0    0        2        0        2
                                              1%              0%   0%       2%      0%        1%
Page 32

IFF Research JN5136
Size of business           Exporter                             Customers
       10 to 49  50 to 249       No    B2B only    Consumer only Any public sector
            134         60      367          96              122               132
             49          6      378         100              128               118
             32          4      218          51               80                72
           64%        59%      57%         51%              62%               61%
             11          2      112          28               38                38
           23%        29%      30%         28%              30%               32%
             *5          1       61          17               18                15
            9%        20%      16%         17%              14%               12%
              2          *       13            3               4                  2
            5%         1%       4%          3%               3%                2%
              1          *       12            3               2                 *7
            3%         6%       3%          3%               2%                6%
              2          0       10            5               3                 **
            4%         0%       3%          5%               2%                 *%
              1          *       10            *               3                  1
            3%         5%       3%           *%              2%                1%
              1          0        8            0               3                  *
            2%         0%       2%          0%               2%                 *%
              *          0        6            0               0                  2
            1%         0%       2%          0%               0%                1%
              1          0        4            0               2                  0
            2%         0%       1%          0%               2%                0%
              *          0        3            0              *3                  *
            1%         0%       1%          0%               2%                 *%
              *          0        2            0               0                  2
            1%         0%       1%          0%               0%                2%
              *          0         *           *               0                  0
            1%         0%        *%          *%              0%                0%
              1          *        8            3               2                  2
            2%         3%       2%          3%               2%                2%
              0          *        2           *2               0                  *
            0%         1%       1%          2%               0%                 *%
              0          0        2            2               0                  2
            0%         0%       1%          2%               0%                2%
rs
     B2B and Consumer
                   114
                   130
                    68
                  52%
                    42
                  32%
                    25
                  19%
                     7
                   6%
                     7
                   5%
                     2
                   1%
                     6
                   5%
                     5
                   4%
                     6
                   5%
                     2
                   2%
                      *
                    *%
                     2
                   2%
                     0
                   0%
                     3
                   2%
                     0
                   0%
                     0
                   0%
                          4-Sep-12
Business Barometer June 2012

Table B1/ 1

QB1 In the last 6 months have you made any changes to your long term planned investment levels as a direct result o

Base: All Respondents
                                                                  Sector                          Size of business
                                             Total Prim/Manu Const       TRAD Services        1 to 9
Unweighted row                                 500           91    49       123    237          227
Total                                          500           69    62       166    204          420
                                                78
Significantly reduced or delayed investment plans             8     9        28     33            66
                                              16%          11%   15%       17%    16%          16%
Slightly reduced or delayed investment plans 78               9    12        29     28            66
                                              16%          13%   19%       17%    14%          16%
Not changed your long term investment plans 308             *50    38        93    127          263
                                              62%          73%   61%       56%    62%          63%
                                                16
Slightly increased or brought forward investment plans        2     1         2    *11           *10
                                               3%           2%    1%        1%     5%            2%
                                                15
Significantly increased or brought forward investment plans    *    3       *10     *2            11
                                               3%            *%   4%        6%     1%            3%
REDUCED OR DELAYED INVESTMENT                  156           17    21        56     62          131
                                              31%          24%   34%       34%    30%          31%
INCREASED OR BROUGHT FORWARD INVESTMENT         31            2     3        12     14           *21
                                               6%           3%    5%        7%     7%            5%
Refused                                          6             *    0         4      2             5
                                               1%            *%   0%        2%     1%            1%
NET                                           -125          -15   -18       -44    -48         -110
                                             -25%         -22% -28%       -27%   -24%         -26%
Page 33

IFF Research JN5136
nt levels as a direct result of recent economic conditions?


          Size of business                Exporter                                     Customers
                 10 to 49  50 to 249      Yes      No         B2B only    Consumer only Any public sector
                      182         91       121    379              174              136               187
                       69         11       111    389              166              147               172
                       12         *1        17      61              20               22               *19
                     17%         6%       15%    16%              12%              15%               11%
                       10          2        21      57              31               17                29
                     15%        18%       18%    15%              19%              12%               17%
                       38          7        65    243              106               99               110
                     55%        62%       58%    63%              64%              67%               64%
                       *5          *         5      10               3                3               *10
                      8%         4%        5%      3%              2%               2%                6%
                        3          1         2      14               6                5                 5
                      5%         7%        2%      3%              4%               3%                3%
                       22          3        37    118               51               40                47
                     31%        25%       34%    30%              31%              27%               27%
                       *9          1         7      24               9                8                15
                     12%        11%        6%      6%              5%               5%                8%
                        1          *         2       4                *               1                  *
                      1%         3%        2%      1%               *%              1%                 *%
                      -13         -2       -30     -95             -42              -32               -33
                    -19%       -14%      -27% -24%               -25%             -22%              -19%
rs
     B2B and Consumer
                   150
                   157
                   *34
                  21%
                    26
                  17%
                   *86
                  55%
                     6
                   4%
                     2
                   1%
                   *60
                  38%
                     7
                   5%
                    *4
                   3%
                   -53
                 -34%
                             4-Sep-12
Business Barometer June 2012

Table B2B/ 1

QB2B In the last 6 months, have you made any changes to your plans for growing your business?

Base: All Respondents
                                                            Sector                             Size of business
                                        Total   Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                            500           91   49       123    237             227
Total                                     500           69   62       166    204             420
Significantly reduced growth plans         65            6  *15        29     *15              57
                                         13%           9%  24%       17%      8%            14%
Slightly reduced growth plans              64            8   10        18      28              52
                                         13%          12%  15%       11%    14%             12%
Not changed growth plans                  299          *49   31        99    120             256
                                         60%          71%  50%       60%    59%             61%
Slightly increased growth plans            43            4    4         9     *26              33
                                          9%           6%   6%        5%    13%               8%
Significantly increased growth plans       25            1    3         9      12              18
                                          5%           1%   4%        5%      6%              4%
REDUCED                                   129           15  *24        47      44            109
                                         26%          21%  39%       28%    21%             26%
INCREASED                                  68            5    7        18     *38             *51
                                         14%           7%  11%       11%    19%             12%
Refused                                     4            0    0         2       2               3
                                          1%           0%   0%        1%      1%              1%
NET                                       -62          -10  -18       -29      -5             -58
                                        -12%         -14% -28%      -18%     -3%           -14%
Page 34

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
            182         91     121    379         174             136               187
             69         11     111    389         166             147               172
               7         **     11      54         16              16                16
           11%         4%     10%    14%         10%             11%                9%
             10           2     14      50         22              24                17
           15%        15%     13%    13%         13%             16%               10%
             37           6     66    232         101              94               106
           54%        53%     60%    60%         61%             64%               62%
               9          2      9      34         14              10                17
           13%        14%      8%      9%         9%              7%               10%
               5          1      8      16         11               *3              *15
            8%         9%      7%      4%         7%              2%                8%
             18           2     26    104          38              40               *33
           26%        20%     23%    27%         23%             27%               19%
            *14         *3      17      51         26              13               *31
           20%        23%     16%    13%         15%              9%               18%
               *        *1       2       2          1                *                1
             *%        5%      2%       *%        1%               *%               1%
              -4          *     -8     -53        -12             -27                -2
           -5%         3%     -7% -14%           -8%            -18%               -1%
rs
     B2B and Consumer
                   150
                   157
                   *32
                  21%
                    18
                  11%
                    88
                  56%
                    11
                   7%
                     6
                   4%
                   *50
                  32%
                    17
                  11%
                     2
                   1%
                   -33
                 -21%
                             4-Sep-12
Business Barometer June 2012

Table B3/ 1

QB3 In the last 6 months, has your level of exports changed as a direct result of recent economic conditions?

Base: All who currently export goods or sell outside the UK
                                                                Sector                             Size of business
                                            Total   Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                                121           41    6       31      43               49
Total                                         111           23    6       37      45               89
Significantly reduced                           7            3    0        4       *                5
                                              6%          11%   0%      10%      1%               6%
Slightly reduced                                9            3    0        4       2                7
                                              8%          13%   0%      11%      5%               8%
Not changed                                    77           14    6       24      33               61
                                             69%          63%  95%      63%     74%             68%
Slightly increased                             11            2    0        2       7                9
                                             10%          10%   0%       6%     15%             10%
Significantly increased                         4            1    *        *       2                2
                                              3%           3%   5%       1%      5%               3%
REDUCED                                        16            5    0        8      *3               13
                                             14%          24%   0%      21%      6%             15%
INCREASED                                      15            3    *        2       9               11
                                             13%          13%   5%       6%     20%             13%
Refused                                         4            0    0        4       0                4
                                              3%           0%   0%      10%      0%               4%
Page 35

IFF Research JN5136
onomic conditions?


         Size of business           Exporter                            Customers
                10 to 49  50 to 249     Yes    B2B only    Consumer only Any public sector
                      44         28      121         72               12                51
                      18          4      111         62               17                50
                       1          *        7          4                0                 3
                     6%         3%       6%         7%               0%                5%
                       2          *        9          5                4                 3
                     9%         9%       8%         8%              21%                6%
                      13          3       77         43               10                35
                    73%        66%      69%        70%              58%               69%
                       1          1       11          8                0                 7
                     7%        12%      10%        13%               0%               13%
                       1          *        4          1                0                 3
                     5%        10%       3%         2%               0%                7%
                       3          1       16         10                4                 6
                    14%        12%      14%        15%              21%               11%
                       2          1       15          9                0                10
                    12%        23%      13%        15%               0%               20%
                       0          0        4          *-               4                 0
                     0%         0%       3%         0%              21%                0%
rs
     B2B and Consumer
                    32
                    23
                     2
                  10%
                     1
                   3%
                    17
                  74%
                     3
                  12%
                     *
                   1%
                     3
                  13%
                     3
                  13%
                     0
                   0%
                          4-Sep-12
Business Barometer June 2012

Table 50/ 1

QB6 Which of the following represent obstacles to the success of your business?

Base: All Respondents
                                                              Sector                     Size of business
                                          Total Prim/Manu Const      TRAD Services   1 to 9
Unweighted row                              500           91   49      123     237     227
Total                                       500           69   62      166     204     420
The economy                                 381           47   52     *140    *142     319
                                           76%          68%  84%      84%     70%     76%
Competition in the market                   263           32  *41       89     100     219
                                           53%          47%  66%      54%     49%     52%
                                            236
Taxation, VAT, PAYE, National Insurance, business rates   32   34      *94     *76     198
                                           47%          47%  54%      57%     37%     47%
Cash flow                                   210           25   27       72      86     176
                                           42%          36%  44%      43%     42%     42%
Regulations                                 188           30   26       64      68    *147
                                           38%          44%  42%      39%     33%     35%
Obtaining finance                           167           17   20       56      74     141
                                           33%          25%  32%      34%     36%     34%
Transport issues                            102           17   11       37      37       82
                                           20%          25%  17%      23%     18%     20%
Lack of financial understanding              84           *6   12       33      34       74
                                           17%           9%  19%      20%     17%     18%
Keeping up with new technology               83           11    6      *39      27       71
                                           17%          17%  10%      23%     13%     17%
Recruiting staff                             77            9    5       27      37      *56
                                           15%          13%   8%      16%     18%     13%
Shortage of skills generally                 70           10    5       29      26      *48
                                           14%          14%   7%      18%     13%     11%
Lack of broadband access                     59            8    7       21      23       47
                                           12%          12%  11%      13%     11%     11%
Pensions                                     58            6    7       17      29       45
                                           12%           9%  11%      10%     14%     11%
Availability / cost of suitable premises     53            4    3      *24      21       42
                                           11%           6%   5%      15%     10%     10%
Shortage of managerial skills/expertise      49            5    4        9     *30      *34
                                           10%           8%   7%       6%     15%       8%
Keeping staff                                42            5    4       13      21       34
                                            8%           7%   6%       8%     10%       8%
Crime                                        35            6    4      *21      *5       29
                                            7%           8%   6%      13%      2%       7%
Lack of sales / work                         11            *    0       *8       3       10
                                            2%           *%   0%       5%      1%       2%
Customers not paying on time                  9            0    3        2       5        9
                                            2%           0%   4%       1%      2%       2%
Government/local council policy               6            0    0        4       2        5
                                            1%           0%   0%       2%      1%       1%
Rising costs            3     *    *3    0     *     3
                      1%    *%    4%    0%   *%    1%
Other                  13    1      1    6     5    10
                      3%    1%    1%    4%   3%    2%
None of these          20     *     3    6    12    19
                      4%    1%    4%    3%   6%    4%
Page 36

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
            182         91     121    379         174             136               187
             69         11     111    389         166             147               172
             54           8     81    299         120             116               134
           78%        72%     73%    77%         73%             78%               78%
             36          *8     62    201         *74              83                85
           52%        72%     56%    52%         45%             56%               49%
             34           4     52    184          81              65                76
           49%        37%     47%    47%         49%             44%               44%
             30           4     43    168          64              55                65
           44%        32%     38%    43%         38%             38%               38%
            *36           5     49    139          61              64                66
           52%        48%     44%    36%         36%             43%               38%
             23           3     34    133         *44              48                64
           33%        30%     31%    34%         26%             33%               37%
             18           2     22      80         26              26                40
           26%        15%     20%    21%         16%             18%               23%
              9          *1    *11     *73         *9              28                31
           14%         7%     10%    19%          5%             19%               18%
             10           2    *25     *57         24             *35                23
           15%        17%     23%    15%         15%             24%               13%
            *18          *3     16      62         32              17                20
           26%        29%     14%    16%         19%             12%               12%
            *18          *4     14      55        *34              17                25
           27%        32%     13%    14%         21%             12%               15%
             11           1    *25     *34         17              15                25
           16%        11%     22%      9%        10%             10%               14%
             11           2     14      45         19              20                16
           16%        16%     12%    11%         12%             14%                9%
              9           2     16      37         12             *24                13
           12%        16%     14%    10%          7%             16%                8%
            *12          *2     11      38         21              11               *23
           18%        22%     10%    10%         12%              7%               13%
              7           1      9      33         *8              15                18
           10%        10%      8%      9%         5%             10%               10%
              5           1      9      26          8             *16                 9
            7%         6%      8%      7%         5%             11%                5%
              1           *      3       8         *7               2                 2
            2%          *%     2%      2%         4%              1%                1%
              *-          0      0       9          2               0                 4
            0%         0%      0%      2%         1%              0%                2%
              1           0       *      5          2               2                 2
            1%         0%       *%     1%         1%              1%                1%
 0     *    0     3     *    0    *3
0%   2%    0%   1%    *%    0%   2%
 2     *    2    11    2     4     6
3%   3%    2%   3%    1%    3%   4%
 1     *    3    18    7     5     8
2%   4%    2%   5%    4%    4%   5%
rs
     B2B and Consumer
                   150
                   157
                   125
                  79%
                    85
                  54%
                    81
                  52%
                   *80
                  51%
                    56
                  36%
                    61
                  39%
                   *47
                  30%
                   *43
                  27%
                    22
                  14%
                    23
                  14%
                    16
                  10%
                    22
                  14%
                    18
                  11%
                    14
                   9%
                    14
                   9%
                    17
                  11%
                    10
                   7%
                     2
                   1%
                    *7
                   5%
                     2
                   1%
 *3
2%
  6
4%
  3
2%
                          4-Sep-12
Business Barometer June 2012

Table 51/ 1

QB7 Which is the biggest obstacle to the success of your business?

Base: All Respondents
                                                              Sector                       Size of business
                                          Total Prim/Manu Const      TRAD Services    1 to 9
Unweighted row                              500           91   49      123     237      227
Total                                       500           69   62      166     204      420
The economy                                 187           20  *32       64      71      162
                                           37%          29%  51%      39%     35%      39%
Obtaining finance                            63            7    7      *13     *35        54
                                           13%          11%  11%       8%     17%      13%
Cash flow                                    51            9    6       13      22        43
                                           10%          14%  10%       8%     11%      10%
                                             41
Taxation, VAT, PAYE, National Insurance, business rates    9    3       15      14        33
                                            8%          13%   4%       9%      7%        8%
Competition in the market                    40            5    7       13      16        32
                                            8%           7%  11%       8%      8%        8%
Regulations                                  26            5    1         8     12       *18
                                            5%           7%   1%       5%      6%        4%
Shortage of skills generally                 11           *4    0         2      5          9
                                            2%           6%   0%       1%      2%        2%
Transport issues                              7            0    0        *6      1          5
                                            1%           0%   0%       3%      1%        1%
Recruiting staff                              7           *4    *         1      2          4
                                            1%           6%   1%        *%     1%        1%
Government/local council policy               5            0    0         4      2          5
                                            1%           0%   0%       2%      1%        1%
Lack of sales / work                          5            *    0        *4       *         4
                                            1%           *%   0%       3%       *%       1%
Availability / cost of suitable premises      5            0    0        *4      1          5
                                            1%           0%   0%       2%      1%        1%
Lack of broadband access                      4            2    0         2       *         3
                                            1%           2%   0%       2%       *%       1%
Customers not paying on time                  4            0    0         2      2          4
                                            1%           0%   0%       1%      1%        1%
Crime                                         4            0    0         4      0          4
                                            1%           0%   0%       2%      0%        1%
Rising costs                                  3            0    3         0      0          3
                                            1%           0%   4%       0%      0%        1%
Keeping staff                                 3           *2    0         0      1          3
                                            1%           2%   0%       0%      1%        1%
Lack of financial understanding               3            *    0         2      1          2
                                            1%           *%   0%       1%       *%        *%
Keeping up with new technology                3            0    0         *      2          2
                                            1%           0%   0%        *%     1%        1%
Shortage of managerial skills/expertise        *           *    0         0      0          0
                                             *%          1%   0%       0%      0%        0%
Other                   4     *    1     2     1     3
                      1%    1%    1%    1%   1%    1%
None of these          20     *    3     6    12    19
                      4%    1%    4%    3%   6%    4%
Don't know              4    0      *    2     2     4
                      1%    0%    *%    1%   1%    1%
Page 37

IFF Research JN5136
Size of business              Exporter                                  Customers
       10 to 49  50 to 249    Yes      No     B2B only    Consumer only Any public sector
            182         91     121    379          174              136               187
             69         11     111    389          166              147               172
             21           3    *50   *137           63               58                72
           30%        31%     45%    35%          38%              39%               42%
               8          1     17      46          24               17                19
           11%        10%     15%    12%          15%              12%               11%
               7          1      *6    *45          11               16                12
           10%         5%      5%    12%           7%              11%                7%
               8         **       5     36            9              12                11
           12%         2%      5%      9%          5%               8%                6%
               7         *2       7     33          14               14                10
           10%        17%      6%      9%          9%              10%                6%
              *6         *1       6     20          11                 5                9
            9%        12%      5%      5%          7%               3%                5%
               3          *       1     10           *7                2                5
            4%         2%      1%      3%          4%               1%                3%
               2          0       1       6           1                3                1
            3%         0%      1%      1%           *%              2%                 *%
               2         *1       4       3          *5                1                3
            3%         5%      3%      1%          3%               1%                2%
               1          0       *       5           2                2                2
            1%         0%       *%     1%          1%               1%                1%
               1          *       1       4           3                *                2
            2%          *%     1%      1%          2%                *%               1%
               0          *       1       4           0               *4                1
            0%          *%     1%      1%          0%               2%                1%
               1          *       0       4           0                1                2
            1%          *%     0%      1%          0%                *%               1%
               0          0       0       4           2                0                4
            0%         0%      0%      1%          1%               0%                2%
               0          0       2       2           0                2                2
            0%         0%      2%       *%         0%               1%                1%
               0          0       0       3           0                0                3
            0%         0%      0%      1%          0%               0%                2%
               0          0       0       3           0                1                0
            0%         0%      0%      1%          0%               1%                0%
               1          *      *2      *1           *               *2                 *
            1%         1%      2%       *%          *%              2%                 *%
               0         **       0       3           2                0                3
            0%         3%      0%      1%          1%               0%                1%
               *          *       *       0           *                0                 *
             *%        1%       *%     0%           *%              0%                 *%
 1     *     1      4    1     *    3
2%   3%    1%    1%     1%   *%    2%
 1     *     3    18     7    5     8
2%   4%    2%    5%     4%   4%    5%
 0     *    *4     **    2    2     2
0%   1%    4%    *%     1%   1%    1%
rs
     B2B and Consumer
                   150
                   157
                    57
                  36%
                    13
                   8%
                   *22
                  14%
                    18
                  11%
                    11
                   7%
                    10
                   6%
                      2
                   1%
                      3
                   2%
                      *
                    *%
                      1
                   1%
                      2
                   1%
                      0
                   0%
                     *3
                   2%
                      2
                   1%
                      2
                   1%
                      3
                   2%
                      2
                   1%
                      0
                   0%
                      0
                   0%
                      *
                    *%
 3
2%
 3
2%
  *
*%
                               4-Sep-12
Business Barometer June 2012

Table 52/ 1

QB7a Is the ecomony the main barrier to the success of your business for any of the following reasons?

Base: All who mentioned economy as main barrier to success
                                                                   Sector                         Size of business
                                               Total   Prim/Manu Const    TRAD Services       1 to 9
Unweighted row                                   169           27   19       47      76           87
Total                                            187           20   32       64      71         162
Lack of demand from customers                    158           19   26       53      61         139
                                                85%          95%  82%      82%     86%         85%
Uncertainty about the future                     148           17   23       48      60         131
                                                79%          86%  73%      74%     84%         81%
Increased running costs                          110           12   18      *48     *31           95
                                                59%          63%  57%      75%     44%         59%
Increased competition                             80            9   15       27      29           69
                                                43%          45%  46%      42%     42%         42%
Not the right time to invest in the business      56            9   12       24     *11           49
                                                30%          44%  38%      38%     16%         30%
Other                                             29            4    6        6      14           25
                                                16%          18%  19%       9%     19%         16%
Don't know                                         4            1    *        2       1            3
                                                 2%           3%   1%       4%      2%           2%
Page 38

IFF Research JN5136
wing reasons?


         Size of business             Exporter                               Customers
                10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                      54         28     51    118          66              45                70
                      21          3     50    137          63              58                72
                      17          3     44    114          54              48                64
                    80%        90%    88%    84%         84%             83%               89%
                      15          2     39    109          51              44               *63
                    70%        64%    78%    80%         81%             76%               88%
                      13          2     27      83        *27              40                38
                    63%        51%    54%    61%         42%             70%               53%
                       9          2     23      57         23              27                29
                    45%        51%    47%    41%         36%             47%               40%
                       6          1     13      43        *11             *24               *13
                    28%        33%    27%    32%         18%             41%               18%
                       4          *      8      22         13               5                11
                    18%         8%    16%    16%         21%              8%               16%
                       2          *      3       2          3               0                 1
                     7%         1%     5%      1%         5%              0%                2%
rs
     B2B and Consumer
                    50
                    57
                    48
                  85%
                    44
                  77%
                    36
                  63%
                    25
                  44%
                    20
                  35%
                    11
                  19%
                     1
                   2%
                           4-Sep-12
Business Barometer June 2012

Table 53/ 1

QB8 What do you consider to be the causes of this cash flow difficulty?

Base: All who mentioned cashflow as an obstacle to the success of their business
                                                                    Sector                      Size of business
                                              Total Prim/Manu Const         TRAD Services   1 to 9
Unweighted row                                  202         30      26          50     96       95
Total                                           210         25      27          72     86     176
                                                steady
Income tends to fluctuate while outgoings are 171           20      20          58     73    *147
                                               81%        79%     75%         80%    85%     84%
                                                137
Late payment from individual customers to whom you sell     18     *25         *33     61    *120
                                               65%        71%     93%         46%    71%     68%
                                                you
Late payment from other businesses to whom 137 sell         18     *26         *36     57     116
                                               65%        72%     96%         51%    66%     66%
                                                  97
High levels of working capital required by business         12      12          39     34       78
                                               46%        49%     45%         54%    40%     45%
Early payment required by your suppliers          89        13     *17          34    *26       78
                                               42%        50%     62%         47%    30%     44%
Individual customers expect you to offer credit 86          11     *16          30    *28       74
                                               41%        45%     59%         42%    33%     42%
Timing of tax payments                            83         8        9        *36     30       69
                                               39%        32%     34%         50%    34%     39%
High levels of investment required by business 59            5        5        *28     21      *44
                                               28%        18%     19%         39%    24%     25%
Outgoings tend to fluctuate but income is steady 44          4        4         19     17       38
                                               21%        16%     16%         26%    19%     22%
                                                  41
Difficult/expensive to get credit from your suppliers        2       *9        *25     *4       36
                                               19%         9%     34%         35%     4%     21%
Banks less willing to lend / reducing overdraft 4            *        0          2      1        3
                                                2%         1%      0%          3%     2%       2%
Lack of work / recession in general                4         0        0          1      4        4
                                                2%         0%      0%          1%     4%       2%
Waiting for/unpredictability of grant funding      1         0        0          1      0        0
                                                 *%        0%      0%          1%     0%       0%
Other                                             11         *        3          6     *1        8
                                                5%         1%     11%          8%     2%       5%
Don't know                                         2        *2        0           *     0        2
                                                1%         6%      0%           *%    0%       1%
Page 39

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
             80         27      44    158          68              49                71
             30           4     43    168          64              55                65
             22         *2      36    135          50              49                58
           72%        53%     84%    81%         78%             89%               89%
            *15           2     29    108         *48             *20               *49
           49%        63%     69%    64%         76%             36%               77%
             18           2     30    107          47             *17               *53
           61%        66%     71%    64%         74%             31%               82%
             17           1     16      81         28              32               *19
           57%        39%     39%    48%         44%             57%               30%
             10         *1      17      72         24              26                27
           34%        18%     41%    43%         38%             47%               42%
             11           1     14      72         30             *16                26
           35%        41%     34%    43%         48%             29%               40%
             13           1     12      71        *15             *29                27
           43%        22%     29%    42%         23%             53%               42%
            *13           1      8      51         16             *23                 *9
           43%        38%     19%    30%         25%             42%               14%
              6           *      5      39         12             *19                10
           18%         6%     11%    23%         20%             35%               15%
              4           *      5      35         10              16                14
           14%         7%     13%    21%         15%             28%               22%
              1           *      *       4          *              *4                  *
            4%         5%      1%      2%         1%              6%                 *%
              1           0     *3      *1          2               0                  2
            2%         0%      7%      1%         3%              0%                4%
              1           0      0       1          0               0                  1
            2%         0%      0%      *%         0%              0%                1%
              3           0      2       8          5               *                  4
            9%         0%      5%      5%         7%              1%                7%
              0          **      *       2          0               2                  0
            0%         8%      1%      1%         0%              3%                0%
rs
     B2B and Consumer
                    69
                    80
                    61
                  77%
                   *61
                  77%
                   *65
                  81%
                    35
                  45%
                    36
                  45%
                    35
                  44%
                    33
                  42%
                    18
                  23%
                   *10
                  13%
                    13
                  17%
                      *
                    *%
                     0
                   0%
                     1
                   1%
                     6
                   7%
                      *
                    *%
                           4-Sep-12
Business Barometer June 2012

Table 54/ 1

QB9 Which is the main cause of this cash flow difficulty?

Base: All who mentioned cashflow as an obstacle to the success of their business
                                                                    Sector                       Size of business
                                              Total Prim/Manu Const         TRAD Services    1 to 9
Unweighted row                                  202         30      26          50     96        95
Total                                           210         25      27          72     86      176
                                                  74
Late payment from other businesses to whom you sell          9     *16         *17     31        61
                                               35%        36%     59%         24%    37%      35%
                                                  41
Income tends to fluctuate while outgoings are steady         6       **         12    *23        35
                                               20%        24%      1%         17%    27%      20%
                                                  40
Late payment from individual customers to whom you sell      4        9         12     16       *37
                                               19%        14%     31%         16%    18%      21%
                                                  13
High levels of working capital required by business          1        *          8      4        11
                                                6%         2%      1%         10%     5%        6%
Early payment required by your suppliers           8         2        1          5      *-        5
                                                4%         8%      4%          7%     0%        3%
Timing of tax payments                             5         0        0          2      2         3
                                                2%         0%      0%          3%     3%        2%
High levels of investment required by business 4             *        0         *4       *        4
                                                2%         1%      0%          6%      *%       2%
                                                   4
Difficult/expensive to get credit from your suppliers       *2        0          2      0         4
                                                2%         7%      0%          3%     0%        2%
Outgoings tend to fluctuate but income is steady3            0        0          0      3         2
                                                2%         0%      0%          0%     4%        1%
Individual customers expect you to offer credit 2            0        *          2      0         2
                                                1%         0%      1%          2%     0%        1%
Banks less willing to lend / reducing overdraft    *         0        0          0       *        0
                                                 *%        0%      0%          0%      *%       0%
Other                                             11         0        *          6      4         7
                                                5%         0%      1%          9%     5%        4%
Don't know                                         6         2        0          2      2         4
                                                3%         8%      0%          3%     2%        3%
Page 40

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
             80         27      44    158          68              49                71
             30           4     43    168          64              55                65
             11           1     13      61        *31               *4              *29
           37%        39%     31%    36%         49%              7%               46%
              6           1     10      31         12             *17                12
           20%        15%     23%    19%         19%             30%               18%
             *2           1      9      31          8              13                 9
            5%        16%     20%    18%         13%             23%               14%
              1           0      2      10          6                4                3
            5%         0%      6%      6%         9%              6%                5%
              3           *      1       7          *               *6                1
            9%         3%      3%      4%         1%             10%                2%
              2           0      0       5          1               *4                0
            5%         0%      0%      3%         1%              7%                0%
              0          **      0       4          *                2                 *
            0%        13%      0%      3%         1%              4%                 *%
              0           0      2       2          0                0                4
            0%         0%      4%      1%         0%              0%                6%
              1           0      0       3          1                *                1
            2%         0%      0%      2%         1%               *%               1%
              *           0      0       2          *                0                0
            1%         0%      0%      1%         1%              0%                0%
              *           0      0       *          0                0                 *
            1%         0%      0%      *%         0%              0%                 *%
             *4           *      3       7          1                4                4
           12%         5%      8%      4%         1%              8%                6%
              1           *      2       3          4                2                1
            3%         8%      6%      2%         6%              3%                1%
rs
     B2B and Consumer
                    69
                    80
                    34
                  42%
                    12
                  15%
                    16
                  20%
                     3
                   4%
                     2
                   3%
                     0
                   0%
                     2
                   2%
                     4
                   5%
                     2
                   3%
                     2
                   2%
                     0
                   0%
                     3
                   4%
                     *
                   *%
                          4-Sep-12
Business Barometer June 2012

Table 62/ 1

QC4bi Have you sought general advice and information for running your business in the last 12 months?

Base: All Respondents
                                                           Sector                               Size of business
                                       Total   Prim/Manu Const    TRAD Services             1 to 9
Unweighted row                           500           91   49      123     237               227
Total                                    500           69   62      166     204               420
Yes                                      208           25   29       61      94               169
                                        42%          36%  46%      37%     46%               40%
No                                       288           44   34      105    *106               247
                                        58%          63%  54%      63%     52%               59%
Don't know                                 4            *    0        0      *4                  3
                                         1%           *%   0%       0%      2%                 1%
Page 41

IFF Research JN5136
st 12 months?


        Size of business             Exporter                              Customers
               10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
                    182         91    121    379        174             136               187
                     69         11    111    389        166             147               172
                     34          5     46    162         65              55                76
                   49%        46%    42%    42%        39%             38%               44%
                     35          6     65    223         99              91                96
                   51%        53%    58%    57%        59%             62%               55%
                       *         *       *     4          2               1                  *
                     *%        1%      *%     1%        1%              1%                 *%
rs
     B2B and Consumer
                   150
                   157
                    70
                  44%
                    87
                  55%
                      *
                    *%
                           4-Sep-12
Business Barometer June 2012

Table 63/ 1

QC4bii Was the advice that you sought mainly from the public or private sector?

Base: All who have sought business advice
                                                                Sector                     Size of business
                                            Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                                232           32   25       47     128       93
Total                                         208           25   29       61      94     169
Public sector                                  22            4    0        4     *14       18
                                             11%          16%   0%       6%     15%     11%
Private sector                                135           14   22       45      55     111
                                             65%          55%  76%      74%     58%     65%
Both                                           51            7    7       12      25       40
                                             25%          29%  24%      20%     26%     24%
Page 42

IFF Research JN5136
Size of business             Exporter                              Customers
       10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
             91         48     51    181         70              60               100
             34          5     46    162         65              55                76
              3          1      5     17          9               7                 9
            9%        11%    11%    10%        14%             12%               11%
             21          3     30    105         39              39               *40
           63%        61%    66%    65%        61%             71%               53%
              9          1     11     40         16              10               *27
           28%        28%    23%    25%        25%             17%               36%
rs
     B2B and Consumer
                    75
                    70
                     5
                   8%
                    47
                  68%
                    17
                  24%
                           4-Sep-12
Business Barometer June 2012

Table 64/ 1

QC4biii What did you seek advice about last year?

Base: All who have sought business advice
                                                              Sector                      Size of business
                                            Total Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                                232         32   25       47     128        93
Total                                         208         25   29       61      94      169
Financial advice                              104         15  *24       31     *35       *91
                                             50%        59%  83%      50%     38%      53%
Business plan/strategy                         33          4     1      12      15       *23
                                             16%        17%   5%      20%     16%      13%
Business growth                                25          2     *-     10      13       *16
                                             12%         8%   0%      16%     14%      10%
Legal advice                                   19          *     1       7      11        15
                                              9%         2%   2%      11%     12%        9%
Tax/national insurance law and payments        18          *     3       4      10        14
                                              9%         2%  12%       6%     11%        8%
Regulations                                    17          2     3       6       6        14
                                              8%         8%  10%      10%      7%        8%
Employment law/redundancies                    17          4     0       3       9        13
                                              8%        15%   0%       6%     10%        8%
Marketing/advertising                          13          0     3       4       6       *12
                                              6%         0%   9%       6%      7%        7%
Training/skills needs                          12          1    *6       3       3         8
                                              6%         2%  20%       5%      3%        5%
Management/Leadership                           5          0     0       0       5         5
                                              2%         0%   0%       0%      5%        3%
Selling/closing the business                    4          0     0       2       2         4
                                              2%         0%   0%       3%      2%        2%
                                                4
Sales inc. trying to get more work/more customers          0     0       1       3         2
                                              2%         0%   0%       1%      4%        1%
Internet / websites / I.T.                      4          0     0      *4        *        4
                                              2%         0%   0%       6%       *%       2%
Late payments                                   3          0     0       0       3         3
                                              2%         0%   0%       0%      4%        2%
Health and Safety                               3          0     0      *3        *        2
                                              1%         0%   0%       5%       *%       1%
                                                3
Property/Premises inc. Leasing, moving, purchasing         *     0       1       1         1
                                              1%         1%   0%       2%      1%        1%
Technical unspec.                               2         *2      *      0        *        2
                                              1%         8%    *%      0%       *%       1%
Product information e.g. sourcing/developing    2         *2     0       0        *        2
                                              1%         8%   0%       0%       *%       1%
Pensions                                        2          0     0      *2        *        2
                                              1%         0%   0%       3%       *%       1%
Market research/industry information            2          0     0       2       0         2
                                              1%         0%   0%       3%      0%        1%
Patents/intellectual property                   2          2     0     0    0     2
                                              1%          7%    0%    0%   0%    1%
Manufacturing                                   2          2     0     0    0     2
                                              1%          7%    0%    0%   0%    1%
Quality control                                 1          1      *    0     *    0
                                              1%          3%    1%    0%   *%    0%
Contracts/Tendering                             1          0     0     1    0     0
                                              *%          0%    0%    1%   0%    0%
Government grants available                     1           *    0     0     *    0
                                              *%          1%    0%    0%   *%    0%
                                                 *
HR/Personnel issues inc. Recruitment, staffing, payroll    0     0     0     *    0
                                              *%          0%    0%    0%   *%    0%
Productivity/efficiency                          *          *    0     0    0     0
                                              *%          1%    0%    0%   0%    0%
Grants/funding (non-governmental/unspec.)        *         0     0     0     *    0
                                              *%          0%    0%    0%   *%    0%
Other                                          10           *    1     2    7     7
                                              5%          1%    2%    4%   7%    4%
Don't know                                      1          0      *    0     *    0
                                              *%          0%    1%    0%   *%    0%
Page 43

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No     B2B only   Consumer only Any public sector
             91         48      51    181           70              60               100
             34           5     46    162           65              55                76
            *12         *2      23      82          33              24                37
           37%        32%     49%    50%          50%             43%               48%
             *9           1      7      25           9              13                  9
           27%        15%     16%    16%          14%             23%               11%
             *7           1      8      17          10               9                 *5
           22%        21%     17%    10%          15%             16%                6%
               4        *1       4      15           4               6                  7
           11%        21%      8%    10%           7%             11%                9%
               4          *      2      16           4               7                  7
           12%         9%      4%    10%           6%             12%                9%
               2        *1       1      16           8               4               *10
            6%        18%      2%    10%          12%              7%               13%
               3          1      5      12           8               4               *11
            8%        14%     10%      7%         12%              7%               15%
              **          *     *9      *4           3               6                  5
            1%         2%     19%      2%          4%             11%                7%
               3        *1       1      11           4               3                  6
            9%        15%      2%      7%          6%              6%                8%
               1          0      2        3          3               1                  3
            2%         0%      5%      2%          4%              2%                4%
               0          0      0        4          0               0                  2
            0%         0%      0%      3%          0%              0%                3%
               1          *     *3      *1           1               0                 *4
            4%         4%      7%      *%          1%              0%                5%
               *          *      2        2          *               2                  *
            1%         1%      4%      1%          *%              4%                 *%
               0          0      1        2          1               0                  2
            0%         0%      2%      1%          2%              0%                3%
               1         **      *        3          *               2                  *
            2%        10%      1%      2%          1%              3%                 *%
             *2           *      1        2          1               2                  *
            5%         1%      2%      1%          2%              3%                 *%
               *          *      *        2          2               0                  *
            1%         4%      1%      1%          3%              0%                 *%
               *          *     *2       **          0               *                  2
            1%         1%      5%      *%          0%              *%                2%
               0          *      0        2          0              *2                  0
            0%         1%      0%      1%          0%              3%                0%
               0          0      2       *-          0               2                  0
            0%         0%      4%      0%          0%              3%                0%
  0     0    2     *-    0     0     2
0%    0%    4%    0%    0%    0%    2%
  0     0    2     *-    0     0     2
0%    0%    4%    0%    0%    0%    2%
 *1     *     *    1      *    0     1
4%    2%    1%    1%    *%    0%    1%
  1     0    1     0     1     0     0
2%    0%    2%    0%    1%    0%    0%
  *    **    0     1      *     *     *
1%    7%    0%    *%    *%    *%    *%
  *     *     *     *    0     0      *
1%    1%    *%    *%    0%    0%    *%
  0     *    0      *    0     0      *
0%    3%    0%    *%    0%    0%    *%
  0     *    0      *    0     0      *
0%    1%    0%    *%    0%    0%    *%
  2     *    1     8     5     1     5
7%    3%    3%    5%    7%    1%    7%
  1     0    0     1     0     0      *
2%    0%    0%    *%    0%    0%    *%
rs
     B2B and Consumer
                    75
                    70
                    36
                  51%
                     9
                  13%
                     6
                   8%
                     6
                   9%
                     5
                   7%
                     5
                   8%
                     4
                   6%
                     1
                   2%
                     2
                   3%
                     1
                   2%
                     4
                   6%
                     1
                   1%
                     2
                   3%
                     2
                   3%
                     1
                   1%
                     0
                   0%
                     *
                   1%
                    *2
                   3%
                     *
                   *%
                     0
                   0%
 2
3%
 2
3%
 1
2%
 0
0%
  *
*%
  *
*%
  *
*%
  *
*%
 5
6%
  *
*%
                               4-Sep-12
Business Barometer June 2012

Table 65/ 1

QC4biv How satisfied or dissatisfied were you with the information you found?

Base: All who have received business advice
                                                              Sector                     Size of business
                                          Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                              232           32   25       47     128       93
Total                                       208           25   29       61      94     169
Very satisfied                               69           10    9       20      30       55
                                           33%          41%  32%      33%     32%     32%
Fairly satisfied                            107            9   19       30      50       89
                                           51%          35%  65%      49%     53%     52%
Neither satisfied nor dissatisfied            6            2    1        1       3       *3
                                            3%           8%   2%       1%      3%       2%
Fairly dissatisfied                          18            2    0        6       9       16
                                            8%           8%   0%      11%     10%       9%
Very dissatisfied                             3            0    *        2       1        3
                                            2%           0%   1%       3%      1%       2%
Don't know                                    5            2    0        2       1        4
                                            3%           7%   0%       4%      1%       3%
SATISFIED                                   176           19   28       49      80     143
                                           85%          76%  97%      81%     85%     85%
DISSATISFIED                                 21            2    *        8      10       19
                                           10%           8%   1%      14%     11%     11%
Page 44

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             91         48     51    181          70              60               100
             34          5     46    162          65              55                76
             13          2     14      55         25              18                26
           38%        34%    31%    34%         39%             32%               34%
             15          3     25      82         34              28                39
           45%        57%    53%    51%         53%             50%               52%
             *3          *      0       6          1               2                 1
            9%         2%     0%      4%         1%              3%                2%
              1          *      5      13          3               5                 7
            4%         4%    10%      8%         4%              9%               10%
              1          0      1       2          1               *                  *
            2%         0%     2%      1%         2%              *%                 *%
              1          *      2       3          1               3                 2
            2%         3%     4%      2%         1%              5%                2%
             28          5     39    137         *59              45                66
           83%        91%    84%    85%         92%             82%               86%
              2          *      6      15          4               5                 8
            6%         4%    12%      9%         6%             10%               10%
rs
     B2B and Consumer
                    75
                    70
                    19
                  27%
                    37
                  53%
                     3
                   5%
                     7
                  10%
                     2
                   3%
                     2
                   2%
                    56
                  80%
                     9
                  13%
                          4-Sep-12
Business Barometer June 2012

Table 66/ 1

C4bv Are you aware of the Bussinesslink.gov.uk website? And if so have you used it for any purpose in the last 12 mo

Base: All Respondents
                                                               Sector                             Size of business
                                           Total Prim/Manu Const       TRAD Services          1 to 9
Unweighted row                               500          91   49        123     237            227
Total                                        500          69   62        166     204            420
                                             118
Have used Bussinesslink.gov.uk website in last 12 months 15    13         41      49              94
                                            24%         23%  21%        25%     24%            22%
                                             297          44   30         94
Aware of Bussinesslink.gov.uk website BUT HAVE NOT USED IT in last 12 months     129            252
                                            59%         64%  48%        57%     63%            60%
Not aware of Bussinesslink.gov.uk website     81           9  *19         30     *23              71
                                            16%         13%  31%        18%     11%            17%
Don't know                                     4           *     *         0       3               2
                                             1%          *%   1%         0%      1%              1%
AWARE                                        415          59  *43        135    *178            346
                                            83%         87%  69%        82%     87%            83%
Page 45

IFF Research JN5136
ny purpose in the last 12 months?


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91    121     379         174             136               187
                      69         11    111     389         166             147               172
                      21          4      30      88         36              30               *52
                    30%        32%    27%     23%         22%             20%               30%
                      38          6      71    226         106              84                95
                    56%        58%    64%     58%         64%             57%               55%
                       9         *1    *10      *71         23              31                25
                    13%         8%      9%    18%         14%             21%               14%
                       1          *       0       4          1               2                 1
                     2%         2%      0%      1%          *%             2%                 *%
                      59         10   *101    *314         142            *114               147
                    85%        91%    91%     81%         86%             77%               85%
rs
     B2B and Consumer
                   150
                   157
                    41
                  26%
                    92
                  58%
                    24
                  15%
                      *
                    *%
                   133
                  84%
                           4-Sep-12
Business Barometer June 2012

Table 67/ 1

C4bvi Have you used the Businesslink.gov.uk website since the start of November 2011?

Base: All who have used the Businesslink.gov.uk website in the last 12 months
                                                                     Sector                     Size of business
                                           Total Prim/Manu Const            TRAD Services   1 to 9
Unweighted row                               136            22       12         33     69       52
Total                                        118            15       13         41     49       94
Yes                                           81              9       *4        31     38      *61
                                            69%           55%      32%        76%    77%     65%
No                                            31             *7        6        10     *8       27
                                            26%           45%      48%        24%    16%     29%
Don't know                                     6              0       *3         0      4        6
                                             5%            0%      21%         0%     7%       6%
Page 46

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             54         30     34    102          40              35                59
             21          4     30      88         36              30                52
            *17          3     21      61         23              20                38
           84%        75%    68%    69%         63%             68%               74%
              3          1     10      21          7               9                11
           16%        19%    32%    24%         20%             31%               21%
              0          *      0       6         *6               *                 3
            0%         6%     0%      7%        17%              1%                5%
rs
     B2B and Consumer
                    46
                    41
                    27
                  66%
                    14
                  34%
                     *-
                   0%
                             4-Sep-12
Business Barometer June 2012

Table 68/ 1

C4bvii The content and look of the Businesslink.gov.uk website has recently been updated. Did you notice any chang

Base: All who have used the Businesslink.gov.uk website since the start of November 2011
                                                                         Sector                       Size of business
                                               Total Prim/Manu Const              TRAD Services   1 to 9
Unweighted row                                    105            17        7           25    56       35
Total                                               81             9       4           31    38       61
Yes - Noticed a change in the content               19             *-     *3            9     8       16
                                                 24%            0%      67%          29%   20%     26%
No - Did not notice a change in the content         49            *8       1           14    25       35
                                                 60%           96%      26%          47%   67%     57%
                                                     7             0
N/A - Visited the website for the first time earlier this month ( so unable *to say)    4     2        6
                                                   9%           0%       8%          14%    6%     10%
                                                     6
Don't know / Can't remember whether noticed a change in content     *      0            3     3        4
                                                   7%           4%       0%          10%    7%       7%
Page 47

IFF Research JN5136
d. Did you notice any change in the content of the website when you last visited it?


          Size of business                Exporter                                   Customers
                 10 to 49  50 to 249      Yes      No       B2B only    Consumer only Any public sector
                       47         23        27      78            31               24                49
                       17          3        21      61            23               20                38
                        3          *         3      17            *2                4                11
                     17%         9%       12%    28%             7%              18%               28%
                       12         *2        15      34           *19               11                20
                     67%        82%       73%    56%            83%              55%               54%
                        1          0         3       4             2               *4                 3
                      6%         0%       14%      7%           10%              19%                9%
                        2          *         0       6             0                2                 4
                     10%         8%        0%    10%             0%               9%               10%
rs
     B2B and Consumer
                    36
                    27
                     7
                  24%
                    17
                  62%
                     1
                   4%
                     3
                  10%
                            4-Sep-12
Business Barometer June 2012

Table 69/ 1

C4bviii What did you think of the content and usefulness of the Businesslink.gov.uk website compared to the previou

Base: All who have noticed the updating of the Businesslink.gov.uk website
                                                             Sector                  Size of business
                                            Total Const      TRAD Services       1 to 9     10 to 49
Unweighted row                                 20        2        6         12        8            8
Total                                          19        3        9          8       16            3
Content and usefulness is now much better than3        *3
                                                previously        0          1        3            1
                                             17%     96%        0%         9%     17%           22%
                                               14       *-
Content and usefulness is now somewhat better than previously 8              5       12            1
                                             71%      0%       92%        73%     76%           48%
Don't know / not sure                           2        *        1          1        1            1
                                             11%      4%        8%        19%       7%          31%
ANY BETTER                                     17        3        8          6       15            2
                                             89%     96%       92%        81%     93%           69%
Page 48

IFF Research JN5136
site compared to the previous version of the website?


e of business                Exporter                                Customers
                50 to 249    Yes      No     B2B only   Consumer only Any public sector   B2B and Consumer
                         4     2      18            2               7                 9                  7
                         *     3      17            2               4                11                  7
                         0     0       3            0               *                 3                   *
                      0%      0%    20%           0%             12%               27%                  3%
                         *     2      11            1               2                 8                  6
                     20%     96%    67%          32%             62%               72%                 94%
                        **      *      2           *1               1                 *                   *
                     80%      4%    13%          68%             26%                1%                  2%
                        **     2      15           *1               3                11                  6
                     20%     96%    87%          32%             74%               99%                 98%
                            4-Sep-12
Business Barometer June 2012

Table 70/ 1

C4bix Which, if any, of the following types of support or advice are you aware of?

Base: All Respondents
                                                                     Sector                                 Size of business
                                            Total Prim/Manu Const             TRAD Services            1 to 9
Unweighted row                                500            91       49         123        237           227
Total                                         500            69       62         166        204           420
                                                72           12       15
The new growth and improvement services offered on businesslink.gov.uk which 18               November
                                                                                   began this 27           59
                                             14%           17%      23%         11%        13%          14%
                                                93           14      *18         *19          41           80
The new comprehensive start-up service 'My New Business' on the Businesslink.gov.uk website offering tools and advice
                                             19%           20%      30%         12%        20%          19%
The national mentoring website 'mentor SME' 113              20       12          35          45           95
                                             23%           30%      20%         21%        22%          23%
                                              138             and     14
Information on the Businesslink.gov.uk website about finance21 options available  49          53          115
                                             28%           31%      23%         30%        26%          27%
                                              from          *27       23          48         *50
Additional support when you apply for finance 149 your bank in the form of a Government guaranteed loan *117
                                             30%           40%      37%         29%        25%          28%
UKTI support for SME exporters                  71          *15        **         22          34           58
                                             14%           22%       1%         13%        17%          14%
A new Business Link telephone helpline which118              19       12          43          44          100
                                               provides support to users of the Businesslink.gov.uk website
                                             24%           28%      19%         26%        22%          24%
The Business in You campaign and website 26                  *8         5           7         *6           21
                                               5%          11%       9%          4%          3%           5%
                                                26            2
The GrowthAccelerator, which supports high growth potential firms       3           7         14           21
                                               5%           4%       4%          4%          7%           5%
None of the above                             200            22       29          57         *93        *174
                                             40%           32%      46%         35%        45%          42%
Don't know / can't remember                      1            0         0           1          0             0
                                               *%           0%       0%           *%         0%           0%
Page 49

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
             11          2     15      57         21              20                29
           15%        18%    13%    15%         13%             13%               17%
             11          2     20      73         25              26                36
           16%        16%    18%    19%         15%             18%               21%
             15          3     31      83         36              30                45
           22%        27%    28%    21%         22%             20%               26%
             19          3     30    108          49              33               *60
           28%        30%    27%    28%         30%             22%               35%
            *28         *4    *42   *107         *60              37                53
           40%        40%    38%    28%         36%             25%               31%
             11          2    *40     *31        *43              *3                28
           15%        21%    36%      8%        26%              2%               16%
             16          3     19      99        *26              33                48
           23%        25%    17%    25%         16%             22%               28%
              4          *      4      21          5               5                 9
            6%         2%     4%      5%         3%              4%                5%
              4          1      5      22         11               6                 9
            6%         5%     4%      6%         7%              4%                5%
            *22          4    *32   *169          59              66                60
           32%        35%    28%    43%         36%             45%               35%
              1          0      0       1          1               0                 0
            1%         0%     0%       *%         *%             0%                0%
rs
     B2B and Consumer
                   150
                   157
                    24
                  15%
                    36
                  23%
                    38
                  24%
                    44
                  28%
                    46
                  29%
                    22
                  14%
                    46
                  29%
                    12
                   7%
                     6
                   4%
                    62
                  40%
                     0
                   0%
                            4-Sep-12
Business Barometer June 2012

Table 71/ 1

C4bx Which, if any, of the following types of support or advice have you used in the last 12 months?

Base: All Respondents
                                                                     Sector                               Size of business
                                            Total Prim/Manu Const            TRAD Services           1 to 9
Unweighted row                                500            91       49        123       237           227
Total                                         500            69       62        166       204           420
                                                 7             2      *3          1         2
The new growth and improvement services offered on businesslink.gov.uk which began this November           6
                                               1%           3%       4%          *%       1%            1%
                                                 5             0      *3          2         1              4
The new comprehensive start-up service 'My New Business' on the Businesslink.gov.uk website offering tools and advice
                                               1%           0%       4%         1%         *%           1%
The national mentoring website 'mentor SME' 15                *6      *5          *-        4            13
                                               3%           8%       9%         0%        2%            3%
                                                about finance *9 options available
Information on the Businesslink.gov.uk website 36             and      4         11        11            30
                                               7%          14%       6%         7%        6%            7%
                                                10             2       1          3         4
Additional support when you apply for finance from your bank in the form of a Government guaranteed loan *6
                                               2%           3%       2%         2%        2%            1%
UKTI support for SME exporters                  19            *6       0          4         8            14
                                               4%           9%       0%         3%        4%            3%
                                                 7              *     *3          1         3
A new Business Link telephone helpline which provides support to users of the Businesslink.gov.uk website 5
                                               1%            *%      4%         1%        1%            1%
The Business in You campaign and website         2             0       0          0         2              1
                                               *%           0%       0%         0%        1%             *%
                                                 3
The GrowthAccelerator, which supports high growth potential *2firms    0          0         2              3
                                               1%           3%       0%         0%        1%            1%
None of the above                             424           *52       50        144       180         *362
                                             85%           75%      80%        87%       88%          86%
Don't know / can't remember                      6              *     *3          2         1             *3
                                               1%           1%       4%         1%         *%           1%
Page 50

IFF Research JN5136
Size of business             Exporter                                 Customers
       10 to 49  50 to 249   Yes      No    B2B only    Consumer only Any public sector
            182         91    121    379         174              136               187
             69         11    111    389         166              147               172
              1          *       *      7           1                *                 3
            2%         1%      *%     2%         1%                *%               2%
              1          0      0       5           0                *                 3
            1%         0%     0%      1%         0%                *%               2%
              2          *      1      14           2                3                *9
            2%         2%     1%      4%         1%               2%                5%
              5          1      6      30          *6                7               14
            7%         6%     5%      8%         3%               5%                8%
             *4          *      3       7           3                1                *7
            6%         3%     3%      2%         2%               1%                4%
              4          1    *16      *3           9               **               10
            6%         7%    14%      1%         6%                *%               6%
              1          *      3       3           *                *                 5
            2%         3%     3%      1%          *%               *%               3%
              *          0      0       2           1                0                 *
            1%         0%     0%      *%         1%               0%                 *%
              *          0       *      3           2                0                 0
            1%         0%      *%     1%         1%               0%                0%
            *53          9    *87   *337         145             *137              *136
           78%        80%    78%    87%         87%              93%               79%
             *3          *      1       5           4                *                 4
            4%         2%     1%      1%         2%                *%               2%
rs
     B2B and Consumer
                   150
                   157
                     2
                   2%
                     2
                   1%
                     6
                   4%
                    16
                  10%
                     4
                   2%
                     7
                   4%
                     3
                   2%
                     0
                   0%
                     2
                   1%
                  *122
                  78%
                     2
                   1%
                             4-Sep-12
Business Barometer June 2012

Table 72/ 1

C4bxi Can you tell me whether you were made aware of this new or altered support through any of the following...?

Base: All who are aware of any types if government support
                                                                      Sector                                 Size of business
                                             Total Prim/Manu Const           TRAD Services               1 to 9
Unweighted row                                 315             64      34         80         137           134
Total                                          299             47      34        108         111           246
The Businesslink.gov.uk website                105             20      11         39          35             87
                                              35%           43%      32%        37%         32%           35%
Other websites for business users               82           *18        7         25          33            *72
                                              28%           38%      20%        23%         30%           29%
Local or national newspapers                    97             16      11         30          39             81
                                              32%           34%      33%        28%         35%           33%
An Accountant                                   60             13      *1         27          19             52
                                              20%           28%       4%        25%         17%           21%
Your bank                                       27              7       4         13          *3             21
                                               9%           14%      12%        12%          3%             8%
Business membership organisations and trade 91                 14      FPB, Institute of Directors, Chamber 78 Commerce)
                                                bodies (e.g. FSB, CBI, *4         30         *43             of
                                              30%           30%      11%        28%         38%           32%
A customer, supplier or other business contact 32               7       2          6         *18             25
                                              11%           14%       5%         6%         16%           10%
Enterprise agencies                             27              2       1          6         *17             22
                                               9%             5%      4%         6%         15%             9%
                                                25
Any other public sector sources of advice or support            4       *          5         *16             19
                                               8%             8%      1%         5%         14%             8%
A solicitor/lawyer                               5             *4       *          1           0              4
                                               2%             8%      1%         1%          0%             1%
Training providers                              27              4       4          7          11             19
                                               9%             9%     12%         6%         10%             8%
                                                32
An online professional network (such as Linkedin)               4       4         *5         *20             26
                                              11%             9%     10%         5%         18%           11%
Television                                       2              *       0          0           2              2
                                               1%             *%      0%         0%          2%             1%
Other                                           16              2       *          3         *10             13
                                               5%             5%      1%         3%          9%             5%
                                                12                     *5          5          *1             10
No - have not been directed to / provided information on where0to find support or advice for businesses in the last 12 months
                                               4%             0%     16%         5%          1%             4%
Don't know                                      18              2      *6          7           3             15
                                               6%             5%     18%         6%          3%             6%
Page 51

IFF Research JN5136
h any of the following...?


          Size of business             Exporter                                 Customers
                 10 to 49  50 to 249   Yes      No     B2B only    Consumer only Any public sector
                      123         58     86    229          115               80               125
                       46          7     80    220          106               81               112
                       16          2    *21     *84          31               27               *47
                     35%        31%    27%    38%          29%              33%               42%
                       *9          2     21      61          28               26                34
                     18%        28%    27%    28%          26%              33%               30%
                       14          2     23      73          39               32                29
                     30%        22%    30%    33%          37%              39%               26%
                        7          1    *22     *38          22               13                23
                     16%        11%    28%    17%          20%              16%               20%
                        5         *1      7      21           6                3                13
                     12%        19%     8%      9%          5%               4%               11%
                       10          2     25      66          28               31                34
                     22%        31%    31%    30%          27%              38%               31%
                        7          1     10      22          14               10                13
                     15%        10%    12%    10%          13%              12%               12%
                        4          *      5      22           6                8                11
                     10%         5%     6%    10%           6%              10%               10%
                        5          1      3      22          10                6                10
                     11%        14%     4%    10%          10%               8%                9%
                        1          *      2        2          1                0                  2
                      2%         1%     3%      1%          1%               0%                2%
                        7          1      6      21           8                4                  9
                     15%        10%     7%      9%          8%               5%                8%
                        6          1     10      22          13               *2                17
                     12%         7%    13%    10%          12%               3%               15%
                        0          *     *2       **           *               0                  2
                      0%         2%     3%       *%          *%              0%                2%
                        3          *      4      12           4                6               *11
                      7%         6%     5%      6%          4%               7%                9%
                        1          1      5        7          4                5                 **
                      3%         7%     7%      3%          4%               6%                 *%
                        3          *      3      15           5                4                  8
                      7%         5%     4%      7%          5%               5%                7%
rs
     B2B and Consumer
                    97
                    95
                    37
                  39%
                    24
                  26%
                   *23
                  24%
                    24
                  25%
                   *18
                  19%
                    27
                  28%
                     8
                   9%
                    10
                  11%
                     8
                   8%
                    *4
                   4%
                    13
                  13%
                   *17
                  18%
                    *2
                   2%
                     5
                   5%
                     3
                   3%
                     9
                   9%
                           4-Sep-12
Business Barometer June 2012

Table 95/ 1

C21 Have you had any difficulties, or important information or advice needs that you did not get external advice or sup

Base: All Respondents
                                                             Sector                                 Size of business
                                         Total   Prim/Manu Const    TRAD Services               1 to 9
Unweighted row                             500           91   49      123     237                 227
Total                                      500           69   62      166     204                 420
Yes                                         14            1    3        6       5                   11
                                           3%           1%   4%       3%      3%                   3%
No                                         484           68   59      160     197                *409
                                          97%          99%  95%      97%     97%                 97%
Don't know                                   2            0    *        0       2                    *-
                                            *%          0%   *%       0%      1%                   0%
Page 52

IFF Research JN5136
ot get external advice or support for in the past 12 months?


         Size of business                Exporter                                  Customers
                10 to 49  50 to 249      Yes      No       B2B only   Consumer only Any public sector
                     182         91       121    379            174             136               187
                      69         11       111    389            166             147               172
                       3           *        2      12             2               2                 5
                     5%         1%        2%      3%            1%              1%                3%
                     *64         11       109    376            162             146               166
                    93%        96%       98%    97%            98%             99%               96%
                      *1          **        0       2             1               0                 1
                     2%         2%        0%      *%            1%              0%                 *%
rs
     B2B and Consumer
                   150
                   157
                   *10
                   6%
                  *147
                  93%
                     1
                    *%
                             4-Sep-12
Business Barometer June 2012

Table 96/ 1

C22 Which of the following were reasons why you did not seek information or assistance for these difficulties or need

Base: Ask all who have had difficulties
                                                                      Sector                       Size of business
                                               Total Prim/Manu Const         TRAD Services     1 to 9
Unweighted row                                    15             3     1         5       6          7
Total                                             14             1     3         6       5         11
                                                    8
You had doubts about the benefit or value of obtaining advice *        0         5       3          6
                                                57%           59%     0%      89%     51%       54%
                                                    8
You did not know where to find the appropriate advice            *     0         4       4          5
                                                55%           59%     0%      68%     70%       48%
                                                    8
You did not feel that the right type of advice existed           *     0         5       3          6
                                                55%           18%     0%      87%     54%       55%
                                                    7            *     3
You had concerns about whether you would be able to trust external advice        4       *-         6
                                                51%           41% 100%        76%      0%       58%
You did not have time to use external advice        7            *     3         4       *-         6
                                                50%           18% 100%        77%      0%       58%
You had sufficient expertise and resource within 5               *
                                                    your own business  0        *4        *         4
                                                36%           41%     0%      77%      9%       33%
Obtaining advice would have been too expensive      5            *     0        *4        *         4
                                                34%           41%     0%      76%      4%       33%
Other                                               1            0     0         1       0          0
                                                 4%            0%     0%      11%      0%         0%
Page 53

IFF Research JN5136
or these difficulties or needs?


         Size of business             Exporter                               Customers
                10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                       7          1     4       11          5               1                 8
                       3          *     2       12          2               2                 5
                       2          *     1        7          1               2                 3
                    65%       100%    31%    62%         47%           100%                63%
                       2          *     2        6          2               2                 4
                    76%       100%    69%    52%         88%           100%                71%
                       2          *     1        7         **               2                 3
                    53%       100%    44%    57%          5%           100%                54%
                       1          0      *       7          *               2                *1
                    29%         0%    12%    59%         12%           100%                12%
                       1          *     0        7          1               2                **
                    22%       100%     0%    61%         34%           100%                 2%
                       1          0     1        4          1               2                 *
                    45%         0%    31%    37%         41%           100%                 9%
                       1          0      *       4          1               2                 1
                    35%         0%    12%    38%         21%           100%                12%
                       1          0     1        0          0               0                 1
                    19%         0%    25%      0%         0%              0%               12%
rs
     B2B and Consumer
                     9
                    10
                     5
                  51%
                     4
                  39%
                     6
                  59%
                     5
                  52%
                     4
                  45%
                     2
                  23%
                     2
                  24%
                     1
                   6%
                            4-Sep-12
Business Barometer June 2012

Table 97/ 1

C22a Earlier you said that you were aware of support in the form of a Government guaranteed loan, was this in any of

Base: All aware of suppport in form of government guaranteed loan
                                                              Sector                               Size of business
                                          Total   Prim/Manu Const    TRAD Services             1 to 9
Unweighted row                              166           37   20       40      69                 61
Total                                       149           27   23       48      50               117
EFG - Enterprise Finance Guarantee           34            7    4       13      10                 23
                                           23%          25%  18%      26%     20%               20%
SFLG - Small firms loan Guarantee            60           10   *4       21      25                 47
                                           40%          37%  17%      44%     49%               40%
The National loan Guarantee Scheme           49           12    4       18      15                 38
                                           33%          45%  16%      38%     30%               33%
Other                                         4            1    0        1       3                  2
                                            3%           2%   0%       1%      5%                 2%
Don't know                                   52           10  *12       14      16                 43
                                           35%          36%  55%      28%     31%               37%
Page 54

IFF Research JN5136
eed loan, was this in any of the following programmes?


         Size of business               Exporter                                 Customers
                10 to 49  50 to 249     Yes      No      B2B only   Consumer only Any public sector
                      71         34       51    115            73              36                60
                      28          4       42    107            60              37                53
                       9         *2       13     21            12               5                15
                    33%        42%      30%    20%           20%             14%               29%
                      11          2       19     41           *33              *9                22
                    40%        48%      45%    38%           55%             24%               42%
                       8         *3       16     33            18              14               *12
                    30%        64%      38%    31%           30%             39%               22%
                       1          0       *4      **            1               0                 3
                     5%         0%       9%      *%           1%              0%                6%
                       8          1       12     40            20              15                17
                    29%        20%      28%    37%           34%             42%               32%
rs
     B2B and Consumer
                    45
                    46
                    11
                  25%
                    17
                  38%
                    14
                  31%
                     1
                   2%
                    16
                  35%
                          4-Sep-12
Business Barometer June 2012

Table 98/ 1

C23 In the last 12 months have you used a business mentor - that is somebody with business expertise who supports

Base: All Respondents
                                                           Sector                               Size of business
                                       Total   Prim/Manu Const    TRAD Services             1 to 9
Unweighted row                           500           91   49      123     237               227
Total                                    500           69   62      166     204               420
Yes                                       52            4  *12       15      22                *39
                                        10%           5%  19%       9%     11%                 9%
No                                       447           65  *50      151     181              *381
                                        89%          95%  81%      91%     89%               91%
Don't know                                 1            0    0         *       *                 0
                                          *%          0%   0%        *%      *%                0%
Page 55

IFF Research JN5136
ess expertise who supports you through the development and running of your business on a continous basis?


         Size of business              Exporter                                 Customers
                10 to 49  50 to 249    Yes      No      B2B only   Consumer only Any public sector
                     182         91     121    379           174             136               187
                      69         11     111    389           166             147               172
                     *11           2     16      36           20              13                19
                    16%        16%     14%      9%          12%              9%               11%
                     *58         *9      95    353           146             135               153
                    84%        81%     85%    91%           88%             91%               89%
                        *         **       *      *            0               0                  *
                      *%        3%       *%     *%           0%              0%                 *%
ontinous basis?


rs
            B2B and Consumer
                          150
                          157
                           15
                          9%
                          142
                         90%
                            1
                           *%
                           4-Sep-12
Business Barometer June 2012

Table 99/ 1

C24 Which of these best describes your business mentor?

Base: Ask all who have used a business mentor
                                                                     Sector                     Size of business
                                          Total Prim/Manu Const             TRAD Services   1 to 9
Unweighted row                                65             9         7       13      36       21
Total                                         52             4        12       15      22       39
A specialist business mentor                  22             2         3        5      11       16
                                           42%           67%       28%       36%     50%     41%
                                              16                      *9        2
Somebody who provides other services to businesses, such as*an accountant or lawyer     5       13
                                           31%             8%      72%       16%     22%     34%
A friend or peer                               8              *        0       *5       3        6
                                           15%             8%        0%      33%     13%     15%
                                               3
Somebody with a commercial interest in your business, e.g. an *investor0        0       2        1
                                             5%            8%        0%       0%     10%       3%
Other                                          3             0         0        2       1        3
                                             6%            0%        0%      14%      5%       7%
Don't know                                     *              *        0        0       0        0
                                             1%            8%        0%       0%      0%       0%
Page 56

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             30         14     20      45         27              16                24
             11          2     16      36         20              13                19
              5          1    *11     *11        *13              *1                10
           46%        52%    68%    31%         66%              6%               51%
              2          *     *1     *16          3               4                 7
           21%        15%     3%    43%         17%             27%               37%
              2          *      4       4          2              *4                 1
           18%         8%    24%    11%         11%             34%                7%
              1          *      1       2          1               1                 1
           11%         9%     3%      6%         4%             11%                5%
              0          *      0       3          *              *3                 0
            0%        16%     0%      9%         1%             22%                0%
              *          0      *       0          0               0                 0
            3%         0%     2%      0%         0%              0%                0%
rs
     B2B and Consumer
                    18
                    15
                     4
                  26%
                    *9
                  62%
                     1
                   8%
                     *
                   3%
                     0
                   0%
                     *
                   2%
                           4-Sep-12
Business Barometer June 2012

Table 100/ 1

C25 How do you primarily interact with your business mentor?

Base: Ask all who have used a business mentor
                                                             Sector                     Size of business
                                         Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                              65           9     7       13      36       21
Total                                       52           4    12       15      22       39
Face to face                                40           3    12       11      15       32
                                          76%          84%  97%      73%     66%     81%
By telephone                                10            *    0        3       6        6
                                          18%           8%   0%      23%     27%     16%
By email                                     2           0     *        1       1        1
                                           4%           0%   3%       4%      6%       3%
Other                                        *            *    0        0       *        0
                                           1%           8%   0%       0%      1%       0%
Page 57

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             30         14     20      45         27              16                24
             11          2     16      36         20              13                19
              7          1     13      27         14              12                16
           60%        69%    83%    73%         68%             91%               84%
              3          *      2       8          4               1                 3
           26%        21%    11%    22%         22%              7%               13%
              1          0      1       2          2               *                 *
           11%         0%     4%      5%         9%              2%                2%
              *          *      *       *          *               0                 *
            3%         9%     2%      *%         2%              0%                1%
rs
     B2B and Consumer
                    18
                    15
                    10
                  69%
                     4
                  28%
                     *
                   2%
                     *
                   1%
                           4-Sep-12
Business Barometer June 2012

Table 101/ 1

C25a Has business mentoring helped your business in any of the following areas...?

Base: Ask all who have used a business mentor
                                                             Sector                      Size of business
                                         Total   Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                              65           9     7       13      36        21
Total                                       52           4    12       15      22        39
Developing business plans and strategy      40           3     7       10     *21        30
                                          77%          80%  55%      67%     96%      77%
Enhancing leadership and management skills 30            1     6       *5     *17        21
                                          57%          40%  53%      33%     78%      55%
Increasing sales or profits                 22           2     3       *3     *14        18
                                          43%          56%  28%      19%     64%      45%
Developing new products or processes        15           2     0        4      *9        13
                                          29%          55%   0%      24%     42%      33%
People management such as recruitment       14           1     3       *1     *10        10
                                          28%          20%  25%       5%     46%      24%
Obtaining finance                           11           1     0       *7        3        6
                                          20%          16%   0%      50%     12%      16%
Other                                        5            *    3        2       **        4
                                          10%          12%  23%      12%      1%      11%
Don't know                                   3           0     0        3        0        2
                                           6%           0%   0%      21%      0%        5%
Page 58

IFF Research JN5136
Size of business             Exporter                                Customers
       10 to 49  50 to 249   Yes      No    B2B only    Consumer only Any public sector
             30         14     20      45         27               16                24
             11          2     16      36         20               13                19
              9          1     12      28        *19               11                12
           77%        80%    76%    78%         95%              83%               65%
              7         *2      7      23         11                6                13
           61%        86%    42%    64%         53%              45%               66%
              4          1      5      18         10                4                 7
           36%        40%    29%    49%         51%              31%               38%
              1          *     *9      *6        *10                3                 5
           13%        19%    57%    16%         50%              27%               26%
              4          *      4      10           6              *1                 4
           39%        27%    26%    28%         32%               6%               21%
              3          1      3       8           4               5                 2
           30%        40%    18%    21%         22%              36%               13%
              1          *      *       5          **               2                 3
            5%         7%     1%    14%          1%              16%               16%
              1          0      1       2           1               0                 1
           12%         0%     4%      7%         3%               0%                4%
rs
     B2B and Consumer
                    18
                    15
                    *9
                  60%
                     9
                  59%
                     8
                  55%
                    *2
                  10%
                     4
                  29%
                     2
                  11%
                     3
                  20%
                    *2
                  17%
                           4-Sep-12
Business Barometer June 2012

Table 102/ 1

C26 In the last 12 months have you considered taking on a business mentor?

Base: Ask all who have not used a business mentor
                                                                Sector                     Size of business
                                         Total      Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                             435              82   42      110     201     206
Total                                      448              65   50      151     182     381
Yes                                         30               4    3        *4    *18       24
                                           7%              7%   7%       3%     10%       6%
No                                         415              61   47     *146    *161     354
                                          93%             93%  93%      97%     89%     93%
Don't know                                   3               0    0         *      3        2
                                           1%              0%   0%        *%     1%       1%
Page 59

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
            152         77     101    334         147             120               163
             58           9     95    353         146             135               153
              5           1      9      21          9              *2                15
            9%         6%      9%      6%         6%              1%               10%
             53           8     86    329         135            *133               138
           91%        90%     91%    93%         92%             99%               90%
               *         **       *      3          2               0                  *
             *%        3%       *%     1%         2%              0%                 *%
rs
     B2B and Consumer
                   132
                   142
                   *16
                  11%
                  *126
                  88%
                     1
                    *%
                            4-Sep-12
Business Barometer June 2012

Table 103/ 1

C26a Were any of these reasons why you did not take on a business mentor in the last 12 months?

Base: All who have considered, but not used, a business mentor
                                                                         Sector                     Size of business
                                              Total Prim/Manu Const             TRAD Services   1 to 9
Unweighted row                                     31             6       3         5      17       14
Total                                              30             4       3         4      18       24
You were unable to identify a suitable business 13  mentor        4       3         1       6       11
                                               43%             80%      90%      15%     31%     45%
You identified somebody, but decided not to use 9    them         1        *        1       8        7
                                               30%             13%      10%      15%     42%     28%
                                                                  0
Have only started looking into this recently/Still in5process of deciding 0         *       5        5
                                               17%               0%      0%       7%     26%     19%
Other                                                1             *      0         1       0        0
                                                  3%             7%      0%      15%      0%       0%
Don't know                                           2            0       0        *2       *        2
                                                  7%             0%      0%      47%      1%       8%
Page 60

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             13          4     12      19         11               4                14
              5          1      9      21          9               2                15
              2          0      4       9          4               *                  7
           38%         0%    40%    44%         47%             13%               45%
              2          *      4       5          3               *                  6
           39%        51%    45%    24%         39%              3%               40%
              0          *      *       5          *              *1                 **
            0%        49%     3%    22%          3%             72%                2%
              1          0      1       0          1               0                  0
           19%         0%    11%      0%        11%              0%                0%
              *          0      0       2          0               *                  2
            4%         0%     0%    10%          0%             13%               13%
rs
     B2B and Consumer
                    14
                    16
                     5
                  30%
                     6
                  36%
                     3
                  22%
                     0
                   0%
                     2
                  12%
                           4-Sep-12
Business Barometer June 2012

Table 104/ 1

C27 Are you currently acting as or considering becoming a business mentor for another business owner or entrepren

Base: All Respondents
                                                                    Sector                      Size of business
                                            Total Prim/Manu Const           TRAD Services   1 to 9
Unweighted row                                500           91       49       123     237     227
Total                                         500           69       62       166     204     420
                                                53           4        6        *6
Currently acting as a business mentor for another business owner or entrepreneur?     *36       45
                                             11%           6%     10%         4%     18%     11%
                                                20           1
Not currently acting as a mentor but considering becoming one?        3         9       8       17
                                               4%          2%       4%        5%      4%       4%
Neither of these                              422          *63       53      *148    *157     354
                                             84%          92%     86%        89%     77%     84%
Don't know                                       5           0        0         2       2        4
                                               1%          0%       0%        1%      1%       1%
Page 61

IFF Research JN5136
usiness owner or entrepreneur?


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                     182         91    121     379         174             136               187
                      69         11    111     389         166             147               172
                       7          1       7      45        *28              *6               *28
                    10%        10%      7%    12%         17%              4%               16%
                       4          *      *1     *20          7             *11                 3
                     5%         1%      1%      5%         4%              7%                2%
                      58         10   *101    *321        *127             131               141
                    84%        89%    91%     82%         76%             89%               82%
                       1          0       2       3         *4               0                 0
                     1%         0%      2%      1%         3%              0%                0%
rs
     B2B and Consumer
                   150
                   157
                    17
                  11%
                     3
                   2%
                   136
                  86%
                     1
                    *%
                             4-Sep-12
Business Barometer June 2012

Table 105/ 1

C28 Has being a business mentor helped your own business in any of the following areas...?

Base: All who currently act as a business mentor
                                                                        Sector                        Size of business
                                              Total Prim/Manu Const            TRAD Services      1 to 9
Unweighted row                                   51              6        6        5         34       24
Total                                            53              4        6        6         36       45
Enhancing leadership and management skills 32                    4       **        6         22       28
                                               61%           86%       5%      100%        61%     62%
                                                 27              3       **
Increasing sales or profit due to having the chance to reflect on your own business5strategy 18       25
                                               51%           78%       5%       85%        50%     55%
None of the above areas                          14              1       *6        0          8       11
                                               26%           14%      89%        0%        21%     25%
Don't know                                        *              0        0        0          *        0
                                                *%             0%      0%        0%         1%       0%
Page 62

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
             18           9     11      40         25               5                28
              7           1      7      45         28               6                28
              4           *      5      27         17               2                19
           53%        42%     67%    60%         61%             44%               67%
              2          **      2      25         15               2                15
           32%         9%     28%    55%         53%             36%               55%
              2           1      2      12          6               3                 5
           28%        58%     23%    27%         22%             53%               19%
              *           0      *       0          0               0                 *
            3%         0%      3%      0%         0%              0%                1%
rs
     B2B and Consumer
                    18
                    17
                    11
                  64%
                     9
                  49%
                     5
                  27%
                     *
                   1%
                            4-Sep-12
Business Barometer June 2012

Table D1B/ 1

QD1B How would you describe your business's relationship with its bank? Please answer on a scale of 1 to 5, where o

Base: All Respondents
                                                            Sector                               Size of business
                                       Total   Prim/Manu Const     TRAD Services             1 to 9
Unweighted row                           500           91    49      123     237               227
Total                                    500           69    62      166     204               420
5 - Very good                            147           25    18       39      65               119
                                        29%          36%   29%      24%     32%               28%
4 - Fairly good                          155           27    17       49      63               130
                                        31%          39%   27%      30%     31%               31%
3 - Neither poor nor good                120           13    18       49      41               105
                                        24%          18%   29%      29%     20%               25%
2 - Fairly poor                           38            *1    3       13      21                 34
                                         8%           1%    5%       8%     10%                 8%
1 - Very poor                             30             3    3      *15       8                 24
                                         6%           5%    5%       9%      4%                 6%
POOR                                      68            *4    7       29      29                 58
                                        14%           6%   11%      17%     14%               14%
GOOD                                     302          *51    35      *88     128               249
                                        60%          75%   56%      53%     63%               59%
Don't know                                 7             *   *3        0       4                  6
                                         1%            *%   5%       0%      2%                 1%
Refused                                    3             1    0        0       2                  2
                                         1%           1%    0%       0%      1%                 1%
NET                                      235          *48    28      *60      99              *191
                                        47%          69%   46%      36%     49%               45%
Page 63

IFF Research JN5136
on a scale of 1 to 5, where one signifies the relationship is very poor and 5 that it is very good


         Size of business                 Exporter                                    Customers
                10 to 49  50 to 249       Yes      No        B2B only    Consumer only Any public sector
                     182         91        121    379             174              136               187
                      69         11        111    389             166              147               172
                      24         *4        *41   *106             *60               38                44
                    35%        40%        37%    27%             36%              26%               26%
                      20         *5         27    128              51               49                56
                    30%        43%        24%    33%             31%              33%               33%
                      13           2        22      97            *29               39                44
                    19%        15%        20%    25%             18%              26%               25%
                       4          **        10      28             10               11                12
                     6%         2%         9%      7%             6%               7%                7%
                       6          *-         6      24             13               10                 9
                     8%         0%         5%      6%             8%               7%                5%
                      10          **        16      52             22               20                20
                    14%         2%        14%    13%             14%              14%               12%
                      45         *9         68    234            *111               87               101
                    65%        82%        61%    60%             67%              59%               58%
                       1           *         2       4              3                1                *5
                     1%         1%         2%      1%             2%               1%                3%
                       1           0        *2      *1              1                0                 2
                     1%         0%         2%      *%              *%              0%                1%
                      35         *9         52    182             *88               66                80
                    50%        81%        47%    47%             53%              45%               47%
rs
     B2B and Consumer
                   150
                   157
                    42
                  27%
                    46
                  29%
                    44
                  28%
                    15
                  10%
                     7
                   5%
                    23
                  14%
                    88
                  56%
                     3
                   2%
                     0
                   0%
                    65
                  41%
                          4-Sep-12
Business Barometer June 2012

Table 108/ 1

QD1C At any point in the last 6 months have you had a bank overdraft facility for your business?

Base: All Respondents
                                                            Sector                                 Size of business
                                        Total   Prim/Manu Const    TRAD Services               1 to 9
Unweighted row                            500           91   49      123     237                 227
Total                                     500           69   62      166     204                 420
Yes                                       247          *41  *43       75     *88                 205
                                         49%          60%  69%      45%     43%                 49%
No                                        251          *27  *19       90    *115                 215
                                         50%          40%  30%      55%     56%                 51%
Don't know                                  2            0    *        0       1                   *-
                                           *%          0%   1%       0%      1%                   0%
Page 64

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
            182         91    121    379        174             136               187
             69         11    111    389        166             147               172
             36         *7     56    191         81             *58               *98
           52%        61%    51%    49%        49%             39%               57%
             32         *4     55    196         84             *89               *74
           46%        37%    49%    50%        51%             60%               43%
             *1          *      0      2          1                *                 *
            2%         2%     0%      *%         *%              *%                *%
rs
     B2B and Consumer
                   150
                   157
                   *92
                  59%
                   *65
                  41%
                      *
                    *%
                            4-Sep-12
Business Barometer June 2012

Table 109/ 1

QD2 Have you experienced any of the following changes to the Terms and Conditions for your business bank overdra

Base: All who have had an overdraft facility at some point within the last 6 months
                                                                        Sector                      Size of business
                                             Total Prim/Manu Const             TRAD Services    1 to 9
Unweighted row                                  242           53        33         59     97      105
Total                                           247           41        43         75     88      205
                                                  8
The bank cancelled your existing overdraft facility             2         *         2      5         8
                                                3%           4%        1%         2%     5%        4%
The bank reduced your overdraft limit            30             4         8         7     11        27
                                              12%           10%      20%          9%    12%      13%
The bank extended your overdraft limit           31             6         7         9     10        23
                                              13%           13%      16%         12%    11%      11%
The bank put up overdraft fees or interest rates65              8      *20         18     19        55
                                              26%           19%      48%         24%    21%      27%
The bank reduced overdraft fees or interest rates 6             2         *         2      2         5
                                                2%           4%         *%        3%     2%        2%
                                                 26
The bank asked or required you to offer more security           3         6        10      7        19
                                              11%            7%      14%         13%     8%        9%
                                                  4             0
The bank relaxed its requirements and allowed you to offer less security *3         1       *        3
                                                2%           0%        7%         1%      *%       1%
There have been no changes                      138           27       *16         44     52      117
                                              56%           64%      37%         59%    59%      57%
Don't know                                        6             1         0        *5       *        4
                                                2%           3%        0%         6%      *%       2%
Page 65

IFF Research JN5136
your business bank overdraft in the last 6 months?


         Size of business               Exporter                               Customers
                10 to 49  50 to 249     Yes      No    B2B only   Consumer only Any public sector
                      87         50       66    176          91              46               105
                      36          7       56    191          81              58                98
                       *          0        2       6          2               2                 4
                     1%         0%       4%      3%         2%              3%                4%
                       2          *        9      21          6               6               *17
                     7%         5%      16%    11%          8%             10%               18%
                       7          1        4      27          7               7                16
                    19%        19%       8%    14%          8%             11%               16%
                       9          1       10      56         21              10               *35
                    25%        14%      17%    29%         25%             17%               35%
                       1         *1       *3      *2          2               2                 3
                     2%         8%       6%      1%         3%              3%                4%
                       6          1        3      23          8               6                10
                    17%        13%       6%    12%         10%             10%               11%
                       1          *        1       3          1               0                 3
                     2%         3%       1%      2%         1%              0%                3%
                      18          3       33    105          46              38               *44
                    51%        50%      59%    55%         57%             65%               45%
                       1         *1        3       3          3               1                 2
                     3%        16%       6%      1%         4%              1%                2%
rs
     B2B and Consumer
                    85
                    92
                     5
                   5%
                    16
                  17%
                   *17
                  19%
                    30
                  32%
                     2
                   2%
                    12
                  13%
                     3
                   3%
                    44
                  48%
                     2
                   2%
                            4-Sep-12
Business Barometer June 2012

Table 110/ 1

QD3 In the last 6 months have you exceeded your authorised overdraft limit?

Base: All who have had an overdraft facility at some point within the last 6 months
                                                                        Sector                      Size of business
                                             Total Prim/Manu Const             TRAD Services    1 to 9
Unweighted row                                  242           53        33         59     97      105
Total                                           247           41        43         75     88      205
Yes - Once                                        7             *        3          1      2         5
                                                3%           1%        7%         1%     3%        2%
Yes - 2 or 3 times                               19             4        3          4      8        16
                                                8%           9%        6%         5%    10%        8%
Yes - More than 3 times                          11             0        3          4      4        10
                                                4%           0%        7%         6%     4%        5%
No - have not exceeded my overdraft limit       208           37        35         63     73      172
                                              84%           90%      80%         84%    83%      84%
Don't know                                        3             *        0         *3       *        2
                                                1%            *%       0%         4%      *%       1%
Page 66

IFF Research JN5136
Size of business             Exporter                                Customers
       10 to 49  50 to 249   Yes      No    B2B only    Consumer only Any public sector
             87         50     66    176          91               46               105
             36          7     56    191          81               58                98
              1          *      *       6          2                0                 4
            4%         3%     1%      3%         3%               0%                4%
              2          *      4      15          3                2                 5
            6%         3%     7%      8%         4%               3%                5%
              1          0      2       9          *-               4                 5
            3%         0%     3%      5%         0%               6%                5%
             31          5     47    161         *75               52                83
           87%        78%    84%    84%         93%              89%               85%
              *         *1     *3      *1           *               1                  *
            1%        16%     5%      *%         1%               1%                 *%
rs
     B2B and Consumer
                    85
                    92
                     4
                   4%
                   *12
                  13%
                    *7
                   8%
                   *66
                  72%
                     2
                   2%
                          4-Sep-12
Business Barometer June 2012

Table 111/ 1

QD4 At any point in the last 6 months, have you had an outstanding business bank loan?

Base: All Respondents
                                                           Sector                            Size of business
                                       Total   Prim/Manu Const    TRAD Services          1 to 9
Unweighted row                           500           91   49      123     237            227
Total                                    500           69   62      166     204            420
Yes                                      103          *21   16       31      35              86
                                        21%          31%  25%      19%     17%            20%
No                                       393          *48   46      132     167            332
                                        79%          69%  74%      80%     82%            79%
Don't know                                 4            0    *        3       1               2
                                         1%           0%   1%       2%      1%              *%
Page 67

IFF Research JN5136
Size of business             Exporter                                Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
             14          3     20     84         *26              33                32
           21%        28%    18%    22%         16%             22%               18%
             54         *7     89    304        *139             114               140
           78%        63%    80%    78%         84%             77%               81%
              1         *1     *3      *1          1                *                 *
            1%         9%     2%      *%          *%              *%                *%
rs
     B2B and Consumer
                   150
                   157
                   *41
                  26%
                  *113
                  72%
                     3
                   2%
                             4-Sep-12
Business Barometer June 2012

Table 112/ 1

QD5 Have you experienced any of the following changes to the Terms and Conditions of your existing business bank

Base: All who have had an outstanding business bank loan
                                                                      Sector                          Size of business
                                              Total Prim/Manu Const           TRAD Services       1 to 9
Unweighted row                                  101           26       12         26         37       44
Total                                           103           21       16         31         35       86
                                                  8
You got a variable rate loan and the interest rates increased 0         3          3          2        6
                                                7%           0%     18%        10%          5%       7%
                                                  7
The bank renegotiated terms of your existing loan and you got 2         3          2
                                                               worse terms than previously *           6
                                                7%           8%     18%          8%         1%       8%
The bank asked for more security                  6            2       *3          0          1        5
                                                6%          11%     18%          0%         3%       5%
                                                  3
The bank renegotiated terms of your existing loan and you got 0        *3          *
                                                               better terms than previously *          3
                                                3%           0%     18%          1%         *%       3%
                                                  3
You got a variable rate loan and the interest rates decreased 0        *3          *          0        3
                                                3%           0%     17%          1%         0%       3%
The bank cancelled your existing loan             2            0        0          2          0        2
                                                2%           0%       0%         6%         0%       2%
Other                                             1            0         *         0          *        0
                                                1%           0%       2%         0%         1%       0%
No changes                                       87           19      *10         26         33       73
                                               84%          88%     63%        83%         93%     86%
Don't know                                        2            *        0          2          *        2
                                                2%           2%       0%         6%         *%       2%
Page 68

IFF Research JN5136
our existing business bank loan over the last 6 months?


         Size of business               Exporter                                  Customers
                10 to 49  50 to 249     Yes      No       B2B only   Consumer only Any public sector
                      35         22       23      78            32              27                39
                      14          3       20      84            26              33                32
                       2          0        1       6             3               3                 2
                    12%         0%       6%      8%           11%              9%                6%
                       1          *        2       6             3               2                 2
                     5%         6%       9%      7%           11%              8%                6%
                       1          *        3       3            *4               *                 2
                     7%        10%      13%      4%           15%              1%                6%
                       0          *        *       3            *3               0                 *
                     0%        12%       2%      3%           12%              0%                1%
                       0          *        *       3             *               0                 3
                     0%        10%       2%      3%            1%              0%               10%
                       0          0        0       2             0               2                 0
                     0%         0%       0%      2%            0%              5%                0%
                       *          *        0       1             *               0                 0
                     2%         6%       0%      1%            1%              0%                0%
                      11          2       15      72            21              28                25
                    78%        77%      77%    86%            81%             85%               78%
                       *          *        *       2             *               2                 *
                     2%         1%       2%      2%            1%              6%                *%
rs
     B2B and Consumer
                    35
                    41
                     2
                   4%
                     2
                   5%
                     2
                   5%
                     0
                   0%
                     3
                   7%
                     0
                   0%
                     *
                   *%
                    35
                  84%
                     0
                   0%
                          4-Sep-12
Business Barometer June 2012

Table 113/ 1

QD5a Do you use a credit card for business purposes? If yes: In the last 6 months have you tended to carry an outstan

Base: All Respondents
                                                                Sector                             Size of business
                                            Total Prim/Manu Const      TRAD Services           1 to 9
Unweighted row                                500          91    49      123     237             227
Total                                         500          69    62      166     204             420
                                               balance
Have a business credit card, have carried over 29           2     1      *16      10               26
                                              6%          3%    1%      10%      5%               6%
                                              227
Have a business credit card, have NOT carried over balance*42    36       66      84            *179
                                             45%         61%   57%      40%     41%             43%
No - do not have a business credit card       241         *25    26       82     108            *213
                                             48%         36%   42%      49%     53%             51%
Don't know                                      3            *    0        2        *               2
                                              1%           *%   0%       1%       *%              *%
Refused                                          *          0     0        0        *               0
                                               *%         0%    0%       0%       *%              0%
Page 69

IFF Research JN5136
u tended to carry an outstanding balance over from one month to another on any of these cards?


         Size of business              Exporter                                    Customers
                10 to 49  50 to 249    Yes      No       B2B only    Consumer only Any public sector
                     182         91     121    379            174              136               187
                      69         11     111    389            166              147               172
                       3          1       8      20             6               12                10
                     4%         5%      8%      5%            4%               8%                6%
                     *42          6     *66   *161            *89              *50               *97
                    61%        55%     60%    41%            54%              34%               56%
                     *24         *4     *34   *207             70              *85               *65
                    35%        34%     31%    53%            42%              58%               38%
                        *        *1      *2       **             *                *                 *
                      *%        6%      2%      *%             *%               *%                *%
                        *         0       0        *            0                0                 0
                      *%        0%      0%      *%            0%               0%                0%
rs
     B2B and Consumer
                   150
                   157
                     9
                   6%
                    70
                  45%
                    75
                  48%
                     2
                   1%
                     0
                   0%
                           4-Sep-12
Business Barometer June 2012

Table 114/ 1

QD5b In the last 6 months has the amount you tend to carry over on your card(s)...

Base: All those who carried over a balance on credit card in last 6 months
                                                                      Sector                     Size of business
                                            Total Prim/Manu Const            TRAD Services   1 to 9
Unweighted row                                 23              2        3       10       8       13
Total                                          29              2        1       16      10       26
Significantly increased                         8              2        0        6       1        7
                                             30%            93%       0%      36%     10%     29%
Slightly increased                              3              0        *        0       2        2
                                              9%             0%      44%       0%     22%       9%
Stayed about the same                           9              0        *        6       3        8
                                             32%             0%      14%      41%     24%     30%
Slightly decreased                              6              0        0        4       2        6
                                             20%             0%       0%      23%     22%     23%
Significantly decreased                         2               *       0        0       2        2
                                              8%             7%       0%       0%     22%       9%
Don't know                                      *              0        *        0       0        0
                                              1%             0%      42%       0%      0%       0%
INCREASE                                       11              2        *        6       3       10
                                             39%            93%      44%      36%     32%     38%
INCREASE                                        8               *       0        4       5        8
                                             29%             7%       0%      23%     44%     32%
Page 70

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
              6          4      6      17          5               7                11
              3          1      8      20          6              12                10
              1          0      4       4          1               6                 2
           40%         0%    50%    21%         17%             48%               24%
              *          0      0       3          0               0                 3
           14%         0%     0%    13%          0%              0%               27%
              1          *      0       9          2               2                 3
           33%        78%     0%    45%         39%             18%               29%
              0          0     *4      *2          2               2                 2
            0%         0%    48%      9%        39%             15%               19%
              0          *      *       2          0               2                 *
            0%        22%     2%    11%          0%             19%                1%
              *          0      0       *          *               0                 0
           13%         0%     0%      2%         5%              0%                0%
              1          0      4       7          1               6                 5
           54%         0%    50%    34%         17%             48%               51%
              0          *      4       4          2               4                 2
            0%        22%    50%    20%         39%             34%               20%
rs
     B2B and Consumer
                     9
                     9
                     2
                  20%
                     3
                  29%
                     5
                  50%
                     0
                   0%
                     *
                   1%
                     0
                   0%
                     4
                  49%
                    **
                   1%
                          4-Sep-12
Business Barometer June 2012

Table 115/ 1

QD6 In the last 6 months has your business missed any repayments on a loan or leasing /HP agreement?

Base: All Respondents
                                                           Sector                              Size of business
                                       Total   Prim/Manu Const    TRAD Services            1 to 9
Unweighted row                           500           91   49      123     237              227
Total                                    500           69   62      166     204              420
Yes - Once                                 1            *    *         0       *                0
                                          *%          *%   1%       0%       *%               0%
Yes - 2 or 3 times                         5            0    0        *4      1                 5
                                         1%           0%   0%       2%      1%                1%
Yes - More than 3 times                    3            0    0         2      1                 3
                                         1%           0%   0%       1%      1%                1%
No missed payments                       408           60   53     *124     171              341
                                        82%          88%  85%      75%     84%              81%
We Don't have a lease/HP agreement        80            8    9      *36      28                69
                                        16%          12%  14%      22%     14%              16%
Don't know/Refused                         3            0    *         *      2                 1
                                         1%           0%   1%        *%     1%                *%
ANY MISSED PAYMENTS                        9            *    *         6      3                 8
                                         2%           *%   1%       4%      1%                2%
ANY LEASE/HP                             417           61   53     *129     174              350
                                        83%          88%  86%      78%     85%              83%
Page 71

IFF Research JN5136
HP agreement?


        Size of business              Exporter                               Customers
               10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                    182         91     121    379         174             136               187
                     69         11     111    389         166             147               172
                      1           0       *      1          1               0                  *
                    2%         0%       *%     *%         1%              0%                 *%
                      0           0      0       5          2               3                 2
                    0%         0%      0%      1%         1%              2%                1%
                       *          0      1       2          0               0                 1
                     *%        0%      1%      1%         0%              0%                1%
                     56        *10      89    319         136             113               146
                   82%        91%     80%    82%         82%             77%               85%
                     10         *1      21      59         26              30                22
                   15%         5%     19%    15%         16%             20%               13%
                      1          **       *      2          1               1                  *
                    2%         4%       *%     1%          *%             1%                 *%
                      1           0      2       8          3               3                 4
                    2%         0%      1%      2%         2%              2%                2%
                     58         10      90    327         139             116               150
                   84%        91%     81%    84%         84%             79%               87%
rs
     B2B and Consumer
                   150
                   157
                      0
                   0%
                      0
                   0%
                     *3
                   2%
                   132
                  84%
                    22
                  14%
                      *
                    *%
                      3
                   2%
                   135
                  86%
                          4-Sep-12
Business Barometer June 2012

Table 116/ 1

QD7 Have you tried to obtain finance for your business in the past 6 months?

Base: All Respondents
                                                             Sector                      Size of business
                                        Total    Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                            500            91   49      123     237      227
Total                                     500            69   62      166     204      420
Yes, once only                             69            11    7       18      32        55
                                         14%           16%  12%      11%     16%      13%
Yes, more than once                        14             2    1        5       7        *7
                                          3%            2%   1%       3%      3%        2%
No                                        409            56   54      136     163     *353
                                         82%           81%  87%      82%     80%      84%
Don't know                                  8             0    0       *7       1         6
                                          2%            0%   0%       4%       *%       1%
Refused                                      *            0    0        0        *        0
                                           *%           0%   0%       0%       *%       0%
ANY FINANCE SOUGHT                         83            13    8       23      39       *61
                                         17%           19%  13%      14%     19%      15%
Page 72

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
            182         91    121    379         174             136               187
             69         11    111    389         166             147               172
             13          1     17      52         22              18                24
           19%        10%    15%    13%         13%             12%               14%
              *6        *1      2      11          4               3                 5
            8%        12%     2%      3%         3%              2%                3%
            *49         *8     89    320         138             125               143
           71%        71%    80%    82%         83%             85%               83%
               1        *1      3       5          1               2                 1
            2%         7%     2%      1%         1%              1%                 *%
               *         0      0       *          0               0                 0
             *%        0%     0%      *%         0%              0%                0%
            *19          2     20      63         26              21                29
           27%        22%    18%    16%         16%             14%               17%
rs
     B2B and Consumer
                   150
                   157
                    27
                  17%
                     6
                   4%
                  *120
                  76%
                     5
                   3%
                     0
                   0%
                    33
                  21%
                             4-Sep-12
Business Barometer June 2012

Table 117/ 1

QD8 What did you try to obtain finance for (on the most important occasion tried to obtain finance)?

Base: All who tried to obtain finance for their business in the last 6 months
                                                                         Sector                      Size of business
                                               Total Prim/Manu Const            TRAD Services    1 to 9
Unweighted row                                    95             22       11       21      41        33
Total                                             83             13        8       23      39        61
Working capital, cashflow                         35             *1        4       12      17       *29
                                                42%             7%      55%      55%     44%      48%
Acquiring capital equipment or vehicles           17             *9        *        4       *4       *9
                                                21%           72%        3%      16%     11%      15%
Buying land or buildings                          12              1        *        2       *9        8
                                                15%             5%       4%      10%     22%      13%
Improving buildings                                7              2        0       *5       **        5
                                                 9%           15%        0%      22%      1%        8%
Research & Development                             1              *        0        0        1        1
                                                 2%             1%       0%       0%      3%        2%
Marketing                                           *             0        0        0        *        0
                                                  *%            0%       0%       0%      1%        0%
To meet tax payments                                *             0        0        0        *        0
                                                  *%            0%       0%       0%      1%        0%
Training/staff development                          *             0        0        0        *        0
                                                  *%            0%       0%       0%       *%       0%
Other                                             12              *       *3        *-       8       10
                                                14%             2%      38%       0%     21%      16%
Don't know                                          *             0        0        0        *        0
                                                  *%            0%       0%       0%       *%       0%
Page 73

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
             43         19      28      67         38              18                38
             19           2     20      63         26              21                29
              5          **      6      29          8              13                13
           29%        14%     33%    45%         31%             61%               44%
             *7         *1       6      12        *10               2                 5
           36%        61%     28%    19%         36%              9%               18%
              3           *      2      10          4               1                 3
           18%        16%     11%    16%         14%              5%                9%
              2           *      2       5          4               4                 2
           11%         2%     11%      8%        14%             17%                6%
              0           *      *       1          *               *                 *
            0%         9%      1%      2%         1%              *%                1%
              *           *      *       *          *               0                 *
            1%         2%      1%      *%         1%              0%                1%
              *           0      *       0          *               0                 *
            1%         0%      1%      0%         1%              0%                1%
              0           *      0       *          0               0                 *
            0%         2%      0%      *%         0%              0%                *%
              2           0      3       8         *1               3                 7
           10%         0%     17%    13%          3%             17%               23%
              0           *      0       *          0               0                 *
            0%         2%      0%      *%         0%              0%                *%
rs
     B2B and Consumer
                    34
                    33
                    14
                  43%
                      6
                  17%
                      6
                  18%
                     **
                   *%
                      1
                   4%
                      *
                   *%
                      0
                   0%
                      *
                   *%
                      6
                  18%
                      0
                   0%
                             4-Sep-12
Business Barometer June 2012

Table 118/ 1

QD9 What type of finance did you seek?

Base: All who tried to obtain finance for their business in the last 6 months
                                                                         Sector                      Size of business
                                               Total Prim/Manu Const            TRAD Services    1 to 9
Unweighted row                                    95             22       11       21      41        33
Total                                             83             13        8       23      39        61
Bank loan                                         32              3        1      *15      13        23
                                                39%           21%       13%      68%     33%      38%
Bank overdraft                                    21             *1       *6        5        9       17
                                                26%             5%      76%      22%     24%      28%
Leasing or hire purchase                          12             *7        *        2        3        7
                                                14%           52%        1%      10%      7%      12%
Grant                                              9              1        0        0       *9        8
                                                11%             6%       0%       0%     22%      13%
Mortgage for property purchase or improvement 5                   *        *        0       *5        5
                                                 7%             3%       1%       0%     13%        8%
Loan from family/business partner/directors        2              0        0        2        0        2
                                                 2%             0%       0%       8%      0%        3%
Supply chain finance                               1              0        0        1        1        0
                                                 1%             0%       0%       3%      1%        0%
Factoring                                          1              0        1        0        0        0
                                                 1%             0%       9%       0%      0%        0%
Equity investment from new shareholders             *             0        0        0        *        0
                                                  *%            0%       0%       0%      1%        0%
Equity investment from existing shareholders        *             0        0        0        *        0
                                                  *%            0%       0%       0%       *%       0%
Other                                              7             *3        *        1        3        3
                                                 8%           21%        4%       3%      7%        5%
Don't know                                          *             0        0        0        *        0
                                                  *%            0%       0%       0%       *%       0%
Page 74

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No    B2B only    Consumer only Any public sector
             43         19      28      67         38               18                38
             19           2     20      63         26               21                29
              8           1      8      24           7             *14                11
           44%        23%     42%    38%         25%              66%               38%
              4           *      6      16           6              *1               *15
           19%         7%     28%    25%         24%               3%               51%
              3         *1       3       9           6               2                 *1
           18%        41%     15%    14%         23%               9%                4%
              1           *      2       7          **              *5                  2
            5%         9%     10%    12%          2%              24%                9%
              1           *      0       5           3               *                  *
            3%         6%      0%      9%        10%               1%                1%
              0           0      0       2           2               0                  0
            0%         0%      0%      3%         7%               0%                0%
              1           0      0       1           1               0                  1
            6%         0%      0%      2%         2%               0%                2%
              1           0      0       1           *               0                  *
            4%         0%      0%      1%         1%               0%                1%
              *          **      *       0           *               0                  *
            1%         7%      2%      0%         1%               0%                1%
              0           *      *       0           *               0                  *
            0%         7%      1%      0%         1%               0%                1%
             *3           *     *4      *3           1               *                  4
           18%         9%     20%      4%         5%               2%               13%
              0           *      0       *           0               0                  *
            0%         2%      0%      *%         0%               0%                 *%
rs
     B2B and Consumer
                    34
                    33
                    12
                  35%
                   *14
                  43%
                     4
                  12%
                     2
                   5%
                     2
                   7%
                     0
                   0%
                     1
                   2%
                     *
                   1%
                     0
                   0%
                     0
                   0%
                     3
                  11%
                     0
                   0%
                             4-Sep-12
Business Barometer June 2012

Table 119/ 1

QD9a Before you applied for finance, how confident were you that you would be successful?

Base: All who tried to obtain finance for their business in the last 6 months
                                                                         Sector                      Size of business
                                               Total Prim/Manu Const            TRAD Services    1 to 9
Unweighted row                                    95             22       11       21      41        33
Total                                             83             13        8       23      39        61
Very confident                                    27              4        3        8      11       *15
                                                32%           33%       40%      37%     28%      24%
Fairly confident                                  33              5       *1        7     *20       *28
                                                40%           37%       10%      31%     51%      45%
Not very confident                                20              4        4        5       7        16
                                                24%           28%       47%      23%     18%      25%
Not at all confident                               3              *        0        2       1         3
                                                 4%             3%       0%       9%      3%        5%
Don't know                                          *             0        *        0        *        0
                                                  *%            0%       4%       0%       *%       0%
Page 75

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
             43         19     28      67         38              18                38
             19          2     20      63         26              21                29
            *10         *1     *3     *24         10               4                 8
           54%        57%    16%    37%         37%             17%               28%
             *4          1     10      23          9               9                11
           23%        32%    52%    36%         35%             44%               38%
              4          *      6      14          7               8                 7
           20%         9%    31%    21%         26%             38%               24%
              *          0      *       3          *               0                *3
            2%         0%     2%      5%         1%              0%               11%
              *          *      0       *          *               *                 0
            2%         2%     0%      1%         1%              *%                0%
rs
     B2B and Consumer
                    34
                    33
                    13
                  40%
                    13
                  40%
                     5
                  14%
                     2
                   6%
                     0
                   0%
                            4-Sep-12
Business Barometer June 2012

Table 120/ 1

QD9b. And before you applied for finance, did you take any of the following steps to try and ensure you were success

Base: All who tried to obtain finance for their business in the last 6 months
                                                                         Sector                     Size of business
                                               Total Prim/Manu Const            TRAD Services   1 to 9
Unweighted row                                    95             22       11       21      41       33
Total                                             83             13        8       23      39       61
You made sure you had an up to date business49     plan           8        4      *19     *18       35
                                                60%           63%       56%      82%     47%     57%
You spoke first with a bank to get their advice 42                5       *7       14      16       31
                                                51%           37%       89%      64%     40%     50%
                                                  24              4       *6
You had a business plan and/or application looked over by a professional adviser 5          9       19
                                                30%           31%       81%      20%     24%     31%
You spoke to other businesses to get their advice 19              2        3        4      11       16
                                                23%           16%       34%      18%     27%     26%
Your took a course in business finance             9              2        *        3       4        6
                                                11%           18%        4%      14%      9%       9%
You read some business websites                    8              0       *4        1       3        5
                                                10%             0%      51%       6%      8%       8%
None of these                                     17              2        *        2     *13       13
                                                20%           17%        1%       7%     33%     22%
Page 76

IFF Research JN5136
d ensure you were successful in obtaining finance?


         Size of business              Exporter                               Customers
                10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
                      43         19      28      67         38              18                38
                      19          2      20      63         26              21                29
                      13          2      11      38         16              16                15
                    69%        70%     58%    61%         62%             77%               53%
                      10          1      10      32         12              11                18
                    56%        36%     51%    51%         45%             55%               61%
                       4          1      *2     *22          5               8                 8
                    23%        32%     10%    36%         20%             37%               28%
                       3          *       3      17          5               7                 6
                    16%        18%     13%    27%         20%             33%               21%
                       4          *       4       6          2               1                 2
                    19%         2%     19%      9%         9%              3%                7%
                       3          *       1       7          2               2                 4
                    16%        13%      5%    12%          6%             11%               12%
                       3          1       6      11          4               1                 7
                    14%        30%     29%    18%         14%              6%               24%
rs
     B2B and Consumer
                    34
                    33
                    16
                  47%
                    19
                  57%
                    10
                  31%
                     6
                  18%
                     6
                  19%
                     4
                  13%
                   *11
                  33%
                            4-Sep-12
Business Barometer June 2012

Table 121/ 1

QD9c. Did your bank discuss whether a loan backed by a government guarantee was suitable for your business?

Base: All who tried to obtain finance in the past 6 months and who sought or accessed bank overdraft, bank loan, mortgage fo
                                                                     Sector                               Size of business
                                              Total Prim/Manu Const          TRAD Services            1 to 9
Unweighted row                                   53            8      8         15        22              20
Total                                            54            4      7         18        26              42
Yes                                                1          *1       *         0          *              0
                                                2%          18%     6%         0%        *%              0%
No                                               53           *3      7         18        26              42
                                               98%          79%    94%       100%      100%           100%
Don't know                                         *           *      0          0         0               0
                                                 *%          4%     0%         0%        0%              0%
Page 77

IFF Research JN5136
ble for your business?

draft, bank loan, mortgage for property purchase or improvment or credit card finance
          Size of business                  Exporter                                       Customers
                  10 to 49    50 to 249     Yes       No     B2B only Consumer only Any public sector
                        25             8      16       37             17                 11            24
                        11             1      12       42             16                 14            22
                         1            **       1        *              1                  0             *
                       9%          17%       5%       1%             4%                 0%            1%
                        10            *1      11       42             15                 14            22
                      91%          68%      94%      99%            96%               100%           99%
                         0             *       *        0              0                  0             *
                       0%          14%       1%       0%             0%                 0%            1%
rs
     B2B and Consumer
                    24
                    24
                     *
                   2%
                    24
                  98%
                     *
                   1%
                           4-Sep-12
Business Barometer June 2012

Table 122/ 1

QD9d Was this the Small Firms Loan Guarantee or the new Enterprise Finance Guarantee?

Base: All who discussed whether a loan backed by a government guarentee was suitable for their business
                                                             Sector                       Size of business
                                          Total Prim/Manu       Const Services            10 to 49
Unweighted row                                5           2          2          1                 3
Total                                         1           1          *          *                 1
Small Firms Loan Guarantee                    *           0          0          *                 0
                                            4%           0%        0%      100%                 0%
Enterprise Finance Guarantee                  1            *         *          0                 1
                                           67%          50%      100%        0%                67%
Don't know                                    *            *         0          0                 *
                                           29%          50%        0%        0%                33%
Page 78

IFF Research JN5136
or their business
    Size of business          Exporter                       Customers
                  50 to 249   Yes      No    B2B only   Any public sector   B2B and Consumer
                          2     2       3           2                   2                  3
                          *     1        *          1                   *                   *
                          *     0        *          0                   *                   *
                       32%     0%    10%          0%                 32%                 10%
                          *      *       *          1                   *                   *
                       68%    50%    90%        100%                 68%                 22%
                          0      *      0           0                   0                   *
                        0%    50%      0%         0%                  0%                 68%
                             4-Sep-12
Business Barometer June 2012

Table 123/ 1

QD10 Did you have any difficulties obtaining this finance from the first source you approached?

Base: All who tried to obtain finance for their business in the last 6 months
                                                                         Sector                       Size of business
                                               Total Prim/Manu Const            TRAD Services     1 to 9
Unweighted row                                    95             22       11       21      41         33
Total                                             83             13        8       23      39         61
Yes, was unable to obtain any finance             28              2        3       10      13         23
                                                34%           18%       44%      45%     32%       37%
                                                   4
Yes, obtained some but not all of the finance required            *        0        2       2          3
                                                 5%             3%       0%       9%      5%         5%
                                                   3
Yes, obtained all the finance required but with some problems 0            0       *2        *         2
                                                 3%             0%       0%      11%      1%         3%
No, had no difficulties in obtaining finance      47            *10        4       *8      25         34
                                                57%           77%       56%      36%     63%       55%
Don't know                                          *             *        0        0        *         0
                                                 1%             3%       0%       0%       *%        0%
ANY DIFFICULTIES                                  35             *3        3      *14      15         28
                                                42%           20%       44%      64%     37%       45%
Page 79

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
             43         19      28      67         38              18                38
             19           2     20      63         26              21                29
              5          **      6      22          8               8                10
           29%        11%     31%    35%         29%             37%               33%
              1           *      1       3          1               2                 2
            4%         2%      4%      5%         2%              9%                5%
              1           0      *       2          *              *2                 *
            4%         0%      1%      4%         1%             12%                1%
             11         *2      12      35         18               9                18
           60%        83%     64%    55%         67%             41%               60%
              *           *      0       *          *               *                 *
            2%         4%      0%      1%         1%              *%                *%
              7          **      7      28          8              12                11
           38%        13%     36%    44%         32%             58%               39%
rs
     B2B and Consumer
                    34
                    33
                    13
                  38%
                     *
                   1%
                     0
                   0%
                    20
                  60%
                     0
                   0%
                    13
                  40%
                              4-Sep-12
Business Barometer June 2012

Table 124/ 1

QD11 What type of finance did you have problems obtaining?

Base: All who had difficulties obtaining finance
                                                               Sector                     Size of business
                                          Total    Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                               33            4     4       11      14       15
Total                                        35            3     3       14      15       28
Bank loan                                    15            0     1      *13      *2       *9
                                           42%            0%  20%      88%     10%     34%
Bank overdraft                               13            1     3        4       5       11
                                           37%           25%  77%      31%     37%     41%
Grant                                         5            0     0        0       5        5
                                           14%            0%   0%       0%     33%     18%
Mortgage for property purchase or improvement 3            0     *        0       2        2
                                            7%            0%   3%       0%     17%       9%
Leasing or hire purchase                      2            2     0        0       0        2
                                            6%           75%   0%       0%      0%       6%
Equity investment from new shareholders       *            0     0        0       *        0
                                            1%            0%   0%       0%      1%       0%
Other                                         2            0     *        1       1        0
                                            5%            0%  10%       5%      4%       0%
Page 80

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No     B2B only   Consumer only Any public sector
             15           3      9      24           8              10                14
              7           *      7      28           8              12                11
             *5           *      2      13           1             *10                 4
           77%        15%     24%    47%          12%             80%               35%
              2           0      4      10           3              *1                *8
           25%         0%     50%    34%          32%              6%               69%
              0           0      0        5          0               2                 1
            0%         0%      0%    17%           0%             20%               11%
              0           *      0        3         *2               0                 *
            0%        33%      0%      9%         29%              0%                1%
              *           0     *2       **          2               0                 *
            5%         0%     23%      1%         19%              0%                3%
              *           0      *        0          *               0                 *
            3%         0%      3%      0%          3%              0%                2%
              2          **      1        1          *               *                 1
           21%        53%     16%      2%          5%              3%                8%
rs
     B2B and Consumer
                    13
                    13
                     4
                  32%
                   *10
                  74%
                     1
                   9%
                     *
                   1%
                     *
                   2%
                     0
                   0%
                     1
                   5%
                              4-Sep-12
Business Barometer June 2012

Table 125/ 1

QD11x Were you unable to obtain any finance from this first source because your application was rejected, or becaus

Base: All who were unable to obtain any finance
                                                               Sector                             Size of business
                                           Total   Prim/Manu Const    TRAD Services           1 to 9
Unweighted row                                25           3     4        8      10               12
Total                                         28           2     3       10      13               23
Application rejected                          24           2     3        8      11              *21
                                            83%          86%  87%      75%     89%             92%
Rejected the terms on offer                    3           0     *        2       *                2
                                             9%           0%  10%      18%      4%               8%
Other                                          1            *    *        0       1                0
                                             3%          14%   3%       0%      4%               0%
Don't know                                     1           0     0        1       *                0
                                             4%           0%   0%       7%      4%               0%
Page 81

IFF Research JN5136
on was rejected, or because you rejected the terms that were offered to you?


         Size of business               Exporter                                  Customers
                10 to 49  50 to 249     Yes      No       B2B only   Consumer only Any public sector
                      11          2       6       19             6               7                10
                       5          *       6       22             8               8                10
                      *3          *       4       19             7               6                 8
                    49%        62%      73%    86%            88%             72%               78%
                       1          0        *       2             *               2                 0
                    15%         0%       8%    10%             6%             28%                0%
                       1          *       0        1             1               0                 1
                    15%        38%       0%      4%            7%              0%               10%
                       1          0       1        0             0               0                 1
                    21%         0%      19%      0%            0%              0%               12%
rs
     B2B and Consumer
                    11
                    13
                    11
                  87%
                     0
                   0%
                     *
                   3%
                     1
                   9%
                             4-Sep-12
Business Barometer June 2012

Table 126/ 1

QD11y Why did you reject the finance offered?

Base: All who were unable to obtain finance due to rejecting the terms of the finance offered
                                                              Sector                   Size of business
                                            Total Const        TRAD Services              1 to 9     10 to 49
Unweighted row                                  3         1         1           1              1            2
Total                                           3         *         2           *              2            1
Interest rates too high                         3         *         2           *              2            1
                                           100% 100%           100%        100%           100%         100%
Fees too high                                   1         *         0           *              0            1
                                             31% 100%             0%       100%              0%        100%
Wanted (too much) personal securitisation       1         *         0           *              0            1
                                             31% 100%             0%       100%              0%        100%
                                                *
Wanted (too much) security on the business - cash reserves0         0           *              0            *
                                             18%       0%         0%       100%              0%          58%
Page 82

IFF Research JN5136
 Exporter           Customers
 Yes      No    B2B only Consumer only
   1       2           1             2
    *      2           *             2
    *      2           *             2
100% 100%          100%         100%
    *       *          *             *
100%    16%        100%           16%
    *       *          *             *
100%    16%        100%           16%
    *      0           *             0
100%      0%       100%            0%
                            4-Sep-12
Business Barometer June 2012

Table 127/ 1

QD11a Reasons given for application for finance being turned down/being given less finance than sought

Base: All who had difficulties obtaining finance or who were rejected for finance
                                                                       Sector                      Size of business
                                              Total Prim/Manu Const            TRAD Services   1 to 9
Unweighted row                                   25             3        2          9     11       14
Total                                            30             2        3         12     13       26
Your business sector was considered too risky 13                2        3          5      3       11
                                               42%          86%      89%         44%    21%     41%
Didn’t qualify/Not offered finance unspec.        8             2        *          2      4        7
                                               27%          71%      11%         20%    29%     27%
You were unable to provide enough security        5             0       *3          1      1        4
                                               16%            0%     89%          6%    11%     15%
You applied for too much money                    3             0        0          3      0        2
                                                9%            0%       0%        22%     0%       8%
                                                  1
Recession /current credit climate (no more information)         0        0          0      1        1
                                                4%            0%       0%         0%     9%       5%
Company too small/too new                          *            *        0          0      0        0
                                                1%          14%        0%         0%     0%       0%
Other                                             3             0        0          1      2        2
                                               10%            0%       0%         5%    19%       9%
No reasons given                                  5             0        0          4      2        5
                                               18%            0%       0%        30%    13%     19%
Don't know                                        2             0        0          0      2        2
                                                8%            0%       0%         0%    19%       9%
Page 83

IFF Research JN5136
ce than sought


        Size of business             Exporter                               Customers
               10 to 49  50 to 249   Yes      No    B2B only   Consumer only Any public sector
                      9          2      6      19          6               8                 9
                      4          *      5      25          8              10                 9
                      2          *      2      10          2               3                 5
                   44%        22%    40%    42%         24%             33%               56%
                      1          *      2       7          2               1                 1
                   22%        78%    30%    26%         21%             12%                5%
                      1          0      *       5          *               2                 3
                   21%         0%     4%    18%          3%             19%               31%
                      1          0      0       3          0               3                 0
                   16%         0%     0%    11%          0%             27%                0%
                      0          0      0       1          0               0                 1
                    0%         0%     0%      5%         0%              0%               13%
                      *          0      *       0          *               0                 0
                    7%         0%     6%      0%         4%              0%                0%
                      1          *     *2      *1         *2               1                 2
                   14%        22%    45%      3%        32%              6%               26%
                      1          0      1       5          1               4                 0
                   12%         0%     9%    19%          7%             36%                0%
                      0          0      0       2          2               0                 0
                    0%         0%     0%    10%         32%              0%                0%
rs
     B2B and Consumer
                     9
                    11
                     7
                  65%
                     5
                  45%
                     3
                  24%
                     0
                   0%
                     0
                   0%
                     0
                   0%
                     *
                   *%
                     1
                  11%
                     0
                   0%
                            4-Sep-12
Business Barometer June 2012

Table 130/ 1

QD12 Did you eventually go on to obtain the finance you needed for you business, for example from another source?

Base: All those who did not obtain the finance needed
                                                               Sector                           Size of business
                                           Total   Prim/Manu Const    TRAD Services         1 to 9
Unweighted row                                30           4     4        9      13             14
Total                                         32           3     3       12      14             26
Yes                                            5            *    0        3       2              3
                                            16%          12%   0%      26%     12%           12%
No                                            24           2     3        9       9             19
                                            73%          88% 100%      74%     63%           74%
Don't know                                     4           0     0        0       4              4
                                            11%           0%   0%       0%     25%           14%
Page 84

IFF Research JN5136
mple from another source?


         Size of business             Exporter                              Customers
                10 to 49  50 to 249   Yes      No   B2B only   Consumer only Any public sector
                      13          3     8      22          7               8                13
                       6          *     7      26          8              10                11
                       2          0      *      5          0               1                 2
                    33%         0%     7%    18%         0%              7%               18%
                       4          *     6      17          6               9                 9
                    67%       100%    93%    68%        71%             93%               82%
                       0          0     0       4          2               0                 0
                     0%         0%     0%    14%        29%              0%                0%
rs
     B2B and Consumer
                    13
                    13
                     3
                  25%
                     9
                  66%
                     1
                   9%
                           4-Sep-12
Business Barometer June 2012

Table 131/ 1

QD12B Was this from internal business sources or from an external finance provider?

Base: All who eventually went on to obtain required finance for business
                                                                  Sector              Size of business
                                             Total Prim/Manu         TRAD Services      1 to 9
Unweighted row                                   6             1         3       2           2
Total                                            5              *        3       2           3
Internal business sources                        2             0         1       *           0
                                              35%            0%        42%    28%          0%
External finance provider                        3              *        2       1           3
                                              65%         100%         58%    72%       100%
Page 85

IFF Research JN5136
Size of business          Exporter                          Customers
              10 to 49    Yes      No   Consumer only   Any public sector   B2B and Consumer
                     4      1       5               1                   3                  4
                     2       *      5               1                   2                  3
                     2       *      1               1                   *                  1
                  85%    100%    28%           100%                  23%                 34%
                     *      0       3               0                   2                  2
                  15%      0%    72%              0%                 77%                 66%
                            4-Sep-12
Business Barometer June 2012

Table 132/ 1

QD13 What was the consequence of you not being able to access the finance you needed?

Base: All who did not eventually go on to obtain required finance for business
                                                                       Sector                       Size of business
                                              Total Prim/Manu Const            TRAD Services    1 to 9
Unweighted row                                     24           3        4         6      11        12
Total                                              27           2        3         9      13        23
Deferred plans but eventually went ahead            7           0        *         1       *6        6
                                                26%           0%     13%         8%     48%      27%
Had to drop plans completely                        6          *2        0         1        3        4
                                                22%          86%       0%        8%     27%      18%
The business got into serious financial difficulties4           *        *        *4        0        4
                                                16%          14%     10%        42%      0%      16%
Put plans on hold                                   1           0        0         0        1        1
                                                  5%          0%       0%        0%     11%        5%
Other                                               2           0        0         2        *        2
                                                  7%          0%       0%       22%       *%       9%
Don't know                                          6           0       *3         2        2        6
                                                23%           0%     77%        20%     14%      25%
Page 86

IFF Research JN5136
Size of business              Exporter                               Customers
       10 to 49  50 to 249    Yes      No    B2B only   Consumer only Any public sector
              9           3     7       17          7               7                10
              4           *     6       21          8               9                 9
              1           *     2        5         *5               2                 3
           25%        33%     38%    23%         59%             25%               27%
              2           0     3        3          3               0                 1
           47%         0%     49%    14%         35%              0%               13%
              1           0      *       4          0               2                 3
           16%         0%      5%    20%          0%             20%               28%
              0          **     0        1          0               0                 *
            0%        53%      0%      7%         0%              0%                2%
              0           *     0        2          0               2                 *
            0%        15%      0%    10%          0%             22%                *%
              1           0     1        6          1               3                 3
           12%         0%      8%    27%          6%             33%               29%
rs
     B2B and Consumer
                      9
                    10
                     **
                   1%
                      3
                  32%
                      3
                  27%
                      1
                  12%
                      *
                   *%
                      3
                  27%
                            4-Sep-12
Business Barometer June 2012

Table D14/ 1

QD14 Thinking about the new finance you sought in the last 6 months, have you experienced any changes in the inter

Base: All who tried to obtain finance in the past 6 months and who sought or accessed bank overdraft, bank loan, mortgage for
                                                                      Sector                               Size of business
                                              Total Prim/Manu Const            TRAD Services           1 to 9
Unweighted row                                   53             8       8         15       22              20
Total                                            54             4       7         18       26              42
Yes - Interest rates charged have increased by 12               *
                                                  more than 1 percentage*point     6        6               8
                                               23%            9%      6%        31%      24%            20%
                                                   *            *       0
Yes - Interest rates charged have increased by less than 1 percentage point        0        *               0
                                                1%            9%      0%         0%       *%              0%
No change in interest rates charged              28             3       4          8       14              23
                                               52%           74%     52%        46%      53%            54%
                                                   2            0
Yes - Interest rates charged have decreased by less than 1 percentage0   point     0        2               2
                                                4%            0%      0%         0%      10%              5%
                                                   1            0       0
Yes - Interest rates charged have decreased by more than 1 percentage point        0        1               0
                                                1%            0%      0%         0%       2%              0%
INCREASED                                        13             1       *          6        6               8
                                               24%           18%      6%        31%      24%            20%
DECREASED                                          3            0       0          0        3               2
                                                5%            0%      0%         0%      12%              5%
Don't know                                       10             *       3          4        3               9
                                               19%            8%     42%        23%      11%            21%
NET                                              10             1       *          6        3               6
                                               18%           18%      6%        31%      12%            15%
Page 87

IFF Research JN5136
ed any changes in the interest rate charged for these products compared to what you were charged in the last few years?

draft, bank loan, mortgage for property purchase or improvement or credit card finance
           Size of business                  Exporter                                      Customers
                   10 to 49    50 to 249     Yes      No      B2B only Consumer only Any public sector
                         25             8      16      37             17                 11            24
                         11             1      12      42             16                 14            22
                          4             *       2      11              4                  3            *1
                       35%          12%      14%     25%            24%                20%            7%
                          *             *       0        *              *                 0             0
                        3%            5%      0%      1%             2%                 0%            0%
                          5             *       8      21             10                  7            15
                       48%          31%      63%     49%            62%                53%           65%
                          0             *       2       *-             0                  0             2
                        0%          19%      20%      0%             0%                 0%           10%
                          1             0       0       1              1                  0             1
                        5%            0%      0%      1%             3%                 0%            2%
                          4             *       2      11              4                  3            *1
                       38%          17%      14%     26%            26%                20%            7%
                          1             *      *2      *1              1                  0             3
                        5%          19%      20%      1%             3%                 0%           12%
                          1             *       *      10              1                  4             4
                       10%          33%       2%     24%             9%                27%           16%
                          4             *     *-1      11              4                  3           *-1
                       33%           -2%     -6%     25%            22%                20%           -6%
arged in the last few years?


rs
              B2B and Consumer
                             24
                             24
                              6
                           24%
                              *
                            *%
                             11
                           45%
                              2
                           10%
                              0
                            0%
                              6
                           24%
                              2
                           10%
                              5
                           21%
                              3
                           14%
                            4-Sep-12
Business Barometer June 2012

Table 134/ 1

QD15 Thinking about the new finance you sought in the last 6 months, have you experienced any changes in the Term

Base: All who tried to obtain finance in the past 6 months and who sought or accessed bank overdraft, bank loan, mortgage for
                                                                     Sector                                Size of business
                                              Total Prim/Manu Const          TRAD Services             1 to 9
Unweighted row                                   53            8       8         15        22              20
Total                                            54            4       7         18        26              42
Had to offer more/new collateral                 14           *2       3          5         3              10
                                               26%          62%     47%        28%       13%            24%
Had to pay new/increased fee                     14           *2       3          3         5              11
                                               25%          62%     42%        17%       21%            26%
Bank only released funds in stages                 4           0      *3          0         1               3
                                                7%           0%     42%         0%        2%              6%
                                                   3
Forced to use another product (e.g. invoice finance)            *     *3          0         0               3
                                                6%           9%     42%         0%        0%              6%
Forced to take out insurance                       3            *      *          2         0               2
                                                6%          12%      5%        14%        0%              4%
Other                                              1           0       *          0         1               0
                                                2%           0%      1%         0%        3%              0%
None / no changes                                29           *1       4          8        17              23
                                               53%          17%     51%        45%       65%            55%
Refused                                            1           0       *          0         1               0
                                                2%           0%      5%         0%        2%              0%
Don't know                                         6           0       0          4         2               6
                                               12%           0%      0%        24%        9%            15%
Page 88

IFF Research JN5136
ed any changes in the Terms and Conditions for these products compared to the Terms and Conditions available on these produc

draft, bank loan, mortgage for property purchase or improvement or credit card finance
           Size of business                  Exporter                                      Customers
                   10 to 49    50 to 249     Yes      No      B2B only Consumer only Any public sector
                         25             8      16      37             17                 11            24
                         11             1      12      42             16                 14            22
                          3             *        1     13              6                  2             5
                       30%          24%      10%     30%            35%                17%           24%
                          3             *       **    *13              4                  3             5
                       23%          19%       4%     31%            28%                22%           21%
                          1             *        *      4               *                 *             3
                        7%          19%       1%      8%             3%                 2%           14%
                          1             0        *      3              1                  0             3
                        6%           0%       3%      7%             4%                 0%           12%
                          1             *        *      3              0                 *3             *
                       12%          14%       4%      7%             0%                20%            1%
                          1             *        0      1              1                  *             1
                        7%          12%       0%      2%             3%                 2%            3%
                          5             *     *10     *19              7                  9            12
                       49%          16%      80%     46%            43%                64%           52%
                          1             0        1      *              1                  0             0
                        8%           0%       4%      1%             5%                 0%            0%
                          *-            *        0      6              3                  2             4
                        0%          33%       0%     15%            16%                14%           19%
onditions available on these products in the last few years?


rs
             B2B and Consumer
                            24
                            24
                             6
                          25%
                             6
                          26%
                             3
                          12%
                             3
                          11%
                             *
                           2%
                             *
                           *%
                            13
                          54%
                             0
                           0%
                             2
                           8%
                             4-Sep-12
Business Barometer June 2012

Table 135/ 1

QD16 Why have you not applied for finance in the last 6 months?

Base: All who have not applied for finance in the last 6 months
                                                              Sector                      Size of business
                                            Total Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                                405         69   38      102     196      194
Total                                         417         56   54      143     164      358
You did not need finance                      334         46   43      113     131      285
                                             80%        83%  79%      79%     80%      80%
You did not want to take on additional risk   130         16   24       36      55     *118
                                             31%        28%  44%      25%     33%      33%
You thought the finance would be too expensive 56        *12    3      *11     *29        50
                                             13%        21%   6%       8%     18%      14%
You thought you would be rejected              42          7    6       11      18        38
                                             10%        12%  11%       8%     11%      11%
                                                6
Application process too complicated/time consuming         0    0        4       2         6
                                              1%         0%   0%       3%      1%        2%
Other                                           5          *    0        2       3         4
                                              1%         1%   0%       1%      2%        1%
Don't know                                      3          0    0        3       1         2
                                              1%         0%   0%       2%       *%       1%
Refused                                         1          *    0        0        *        0
                                               *%        1%   0%       0%       *%       0%
Page 89

IFF Research JN5136
Size of business              Exporter                                Customers
       10 to 49  50 to 249    Yes      No    B2B only    Consumer only Any public sector
            139         72      93    312         136              118               149
             50           9     92    326         139              127               143
             42           7     79    254        *121               99               122
           83%        81%     86%    78%         87%              79%               85%
            *11         *1     *17   *112         *28               42                43
           21%        16%     19%    35%         20%              33%               30%
              5           1      8      47        *12               16                23
           10%         7%      9%    15%          8%              12%               16%
              4          *-      9      33          *6              14                15
            8%         0%     10%    10%          4%              11%               10%
              0           0      2       4           2               2                 2
            0%         0%      3%      1%         1%               1%                2%
              1          **      1       5           1               3                 2
            2%         6%      1%      1%         1%               2%                1%
              1          **      2       1           *               1                  *
            2%         5%      2%      *%          *%              1%                 *%
              1           0      0       1           *               0                 0
            1%         0%      0%      *%          *%              0%                0%
rs
     B2B and Consumer
                   116
                   124
                    94
                  75%
                   *54
                  44%
                   *24
                  20%
                    18
                  15%
                     0
                   0%
                     1
                   1%
                     2
                   2%
                     0
                   0%
                         4-Sep-12
Business Barometer June 2012

Table 136/ 1

QE1 Which of these are your direct customers?

Base: All Respondents
                                                           Sector                      Size of business
                                         Total Prim/Manu Const    TRAD Services    1 to 9
Unweighted row                              500        91   49      123     237      227
Total                                       500        69   62      166     204      420
Other businesses                            323       *62   37      *86     139     *263
                                           65%       90%  59%      52%     68%      63%
The general public                          322       *34  *54     *125    *108     *279
                                           64%       50%  87%      75%     53%      66%
                                            172
Government departments or other public sector bodies   26   29      *37     *80      143
                                           34%       38%  47%      22%     39%      34%
Other                                         1         0    0        0       1         1
                                             *%       0%   0%       0%      1%        *%
Refused                                        *        0    0        0        *        0
                                             *%       0%   0%       0%       *%       0%
Page 90

IFF Research JN5136
Size of business             Exporter                                 Customers
       10 to 49  50 to 249   Yes      No    B2B only    Consumer only Any public sector
            182         91    121    379         174              136               187
             69         11    111    389         166              147               172
            *51         *9    *84   *239        *166                *-             *144
           74%        77%    76%    61%        100%               0%               84%
            *36          6    *45   *277           *-            *147               103
           53%        56%    40%    71%          0%            100%                60%
             25          5    *50   *122          58                *-              172
           36%        44%    45%    31%         35%               0%              100%
              0          0      0      1           0                0                 0
            0%         0%     0%      *%         0%               0%                0%
               *         0      0       *          0                0                 0
             *%        0%     0%      *%         0%               0%                0%
rs
     B2B and Consumer
                   150
                   157
                  *157
                 100%
                  *157
                 100%
                   *86
                  54%
                     0
                   0%
                     0
                   0%
                           4-Sep-12
Business Barometer June 2012

Table 137/ 1

QE1a have you actually done any work for governments departments or other public sector bodies in the last 6 month

Base: All who deal with government departments/public sector bodies
                                                                   Sector                        Size of business
                                          Total Prim/Manu Const           TRAD Services      1 to 9
Unweighted row                              187            34       27       29      97          76
Total                                       172            26       29       37      80        143
Yes                                         134            21       23       27      63       *107
                                           78%           79%     81%       73%     79%        75%
No                                           38             5        5       10      17         *35
                                           22%           21%     19%       27%     21%        25%
Don't know                                     *            0        0        0        *          0
                                             *%           0%      0%        0%       *%         0%
Page 91

IFF Research JN5136
r bodies in the last 6 months?


         Size of business              Exporter                       Customers
                10 to 49  50 to 249    Yes      No    B2B only   Any public sector    B2B and Consumer
                      67         44      51    136          56                 187                   93
                      25           5     50    122          58                 172                   86
                     *23         *5      43     91          47                 134                   67
                    92%        92%     86%    75%         80%                 78%                  78%
                      *2          **      7     31          12                  38                   18
                     8%         8%     14%    25%         20%                 22%                  21%
                       *           0      0       *          0                    *                   *
                     1%         0%      0%      *%         0%                   *%                  *%
                            4-Sep-12
Business Barometer June 2012

Table 140/ 1

QE1b1 Would you say that you are now doing more, less or about the same amount of work for the public sector as yo

Base: All who have dealt with government departments/public sector bodies in the last 6 months
                                                                   Sector                            Size of business
                                          Total Prim/Manu Const            TRAD Services         1 to 9
Unweighted row                              158            29       24          23         82        58
Total                                       134            21       23          27         63      107
Much more work                               15             2        3           5          5        13
                                           11%            8%     11%         20%          8%      12%
Slightly more work                           20             2        6           1         12        15
                                           15%            8%     25%           3%        19%      14%
Same as before                               57            *5       13          14         25        45
                                           43%          25%      57%         51%         40%      43%
Slightly less work                           15            *5        1           3          7        11
                                           12%          25%        3%        10%         11%      10%
Much less work                               26             7       *1           4         14        23
                                           20%          33%        4%        16%         22%      21%
Page 92

IFF Research JN5136
k for the public sector as you were 12 months ago?


         Size of business              Exporter                        Customers
                10 to 49  50 to 249    Yes      No    B2B only    Any public sector   B2B and Consumer
                      61         39      48    110          49                  158                  77
                      23          5      43      91         47                  134                  67
                       1          1       3      12          **                  15                   9
                     6%        15%      8%    13%          1%                  11%                 14%
                       5          1       4      17           9                  20                   7
                    20%        14%      9%    18%         19%                  15%                 10%
                      10          2      18      39         25                   57                  26
                    45%        39%     43%    43%         54%                  43%                 38%
                       4          1       5      10           3                  15                 *11
                    17%        18%     12%    11%          6%                  12%                 17%
                       3          1     *13     *14           9                  26                  14
                    12%        13%     29%    15%         20%                  20%                 21%
                            4-Sep-12
Business Barometer June 2012

Table 141/ 1

QE1c In the last 6 months have you noticed any change in the speed in which you've been paid by government depart

Base: All who have dealt with government departments/public sector bodies in the last 6 months
                                                                   Sector                            Size of business
                                          Total Prim/Manu Const            TRAD Services         1 to 9
Unweighted row                              158            29       24          23         82        58
Total                                       134            21       23          27         63      107
Payment has speeded up                       14             2        3           4          6        13
                                           11%            8%     11%         17%          9%      12%
Payment has slowed down                      15             *        3           4          6         9
                                           11%            2%     15%         16%         10%        9%
No change - still mainly paid promptly       77          *16        11          14         36        62
                                           57%          76%      45%         54%         57%      58%
No change - still mainly paid slowly         22             2        4           2         14        19
                                           17%          11%      17%           7%        23%      17%
Varies                                         *            *        0           0          0         0
                                             *%           1%       0%          0%         0%        0%
Don't know                                    6             *       *3           2         *1         5
                                            4%            1%     12%           7%         1%        4%
Page 93

IFF Research JN5136
paid by government departments or other public sector bodies?


        Size of business              Exporter                           Customers
               10 to 49  50 to 249    Yes      No        B2B only   Any public sector    B2B and Consumer
                     61         39      48    110              49                 158                   77
                     23          5      43      91             47                 134                   67
                      1          1       2      12              4                  14                    7
                    6%        11%      5%    13%              9%                 11%                  11%
                     *5          1       6       9              2                  15                    7
                   21%        15%     14%      9%             5%                 11%                  10%
                     12          3      21      56             31                  77                   41
                   54%        59%     50%    61%             67%                 57%                  61%
                      3          *     *12     *11              7                  22                    9
                   14%        10%     27%    12%             15%                 17%                  13%
                      *          0       0        *             0                    *                   0
                    1%         0%      0%       *%            0%                   *%                  0%
                      1          *       2       4              2                   6                    3
                    4%         4%      5%      4%             5%                  4%                   5%
                            4-Sep-12
Business Barometer June 2012

Table 142/ 1

QE1c1. Thinking about your main public sector client in the last 6 months, what type of public sector organisation is t

Base: All who have dealt with government departments/public sector bodies in the last 6 months
                                                                   Sector                            Size of business
                                          Total Prim/Manu Const            TRAD Services         1 to 9
Unweighted row                              158            29       24          23         82        58
Total                                       134            21       23          27         63      107
Local authorities                            79            10      *20          17         32        64
                                           59%          50%      84%         63%         51%      60%
Government departments                       23             3        3          *1        *16        19
                                           17%          14%      11%           2%        26%      18%
Health services                              20            *7        1           5          7        15
                                           15%          35%        2%        20%         11%      14%
Higher education institutions                 2             0        *           1          *         *-
                                            2%            0%       1%          5%         1%        0%
Other                                        10             *        *           3          7         9
                                            8%            2%       1%        10%         11%        8%
Page 94

IFF Research JN5136
blic sector organisation is this?


          Size of business             Exporter                       Customers
                 10 to 49  50 to 249   Yes      No    B2B only   Any public sector   B2B and Consumer
                       61         39     48    110          49                 158                  77
                       23          5     43      91         47                 134                  67
                       13          2    *15     *64        *17                  79                 *51
                     56%        51%    35%    70%         37%                 59%                 76%
                        2          1    *13     *10        *17                  23                   **
                     10%        25%    29%    11%         37%                 17%                  1%
                        4          1      7      13          7                  20                  11
                     19%        23%    16%    15%         15%                 15%                 17%
                        2          0      1       1          *                   2                    2
                      9%         0%     2%      1%         1%                  2%                  2%
                        1          *     *7      *3          5                  10                    3
                      6%         1%    17%      3%        10%                  8%                  4%
                            4-Sep-12
Business Barometer June 2012

Table 143/ 1

QE1c2. In the last six months how long, on average, would you say that it takes to get an invoice paid by your main pu

Base: All who have dealt with government departments/public sector bodies in the last 6 months
                                                                   Sector                            Size of business
                                          Total Prim/Manu Const            TRAD Services         1 to 9
Unweighted row                              158            29       24          23         82        58
Total                                       134            21       23          27         63      107
10 days or less to pay you                    8              2       0           0         *7         7
                                            6%            8%       0%          0%        11%        7%
11 to 15 days                                13              4       1           2          6        11
                                           10%          20%        4%          7%        10%      10%
16 to 20 days                                15             **      *6           4          6       *15
                                           12%            1%     26%         13%          9%      14%
21 to 30 days                                50              5       9          12         23        41
                                           37%          26%      38%         45%         37%      38%
Longer than 30 days                          43              9       7           7         19       *31
                                           32%          45%      31%         27%         30%      29%
Don't know                                    4              *       0           2          2         3
                                            3%            1%       0%          7%         4%        3%
Page 95

IFF Research JN5136
nvoice paid by your main public sector client? Allowing time for them to receive the invoice, would you say that it takes them...


          Size of business                Exporter                            Customers
                 10 to 49  50 to 249      Yes      No        B2B only    Any public sector    B2B and Consumer
                       61         39        48    110              49                  158                   77
                       23          5        43      91             47                  134                   67
                        1          0         *-      8             *5                    8                     3
                      5%         0%        0%      9%            12%                   6%                   4%
                        2          1          3     10              6                   13                     6
                      7%        16%        8%    11%             12%                  10%                   9%
                       *1          *         **    *15              4                   15                     9
                      3%         5%        1%    17%              9%                  12%                  13%
                        7          2        18      32             14                   50                   28
                     31%        44%       42%    35%             29%                  37%                  42%
                      *11          1       *19     *24             15                   43                   22
                     50%        31%       45%    26%             33%                  32%                  32%
                        1          *          2      2              3                    4                    **
                      4%         5%        5%      2%             5%                   3%                   *%
ou say that it takes them...
                           4-Sep-12
Business Barometer June 2012

Table 164/ 1

QE10 Do you anticipate the closure or full transfer of the ownership of your business in the next 12 months?

Base: All Respondents
                                                             Sector                                Size of business
                                        Total    Prim/Manu Const    TRAD Services              1 to 9
Unweighted row                            500            91   49      123     237                227
Total                                     500            69   62      166     204                420
Yes - closure                              16             0    0       *9       6                 *15
                                          3%            0%   0%       6%      3%                  4%
Yes - transfer ownership                   38            *2    6       10      20                  33
                                          8%            2%   9%       6%     10%                  8%
No - neither of these                     439           *67   53      144     175                367
                                         88%           98%  85%      87%     86%                87%
Don't know                                  7             0   *3        1       3                   5
                                          1%            0%   5%       1%      1%                  1%
Refused                                      *            0    0        0        *                  0
                                           *%           0%   0%       0%       *%                 0%
ANY CLOSURE/TRANSFER                       53            *2    6       20      26                 *48
                                         11%            2%   9%      12%     13%                11%
Page 96

IFF Research JN5136
e next 12 months?


         Size of business               Exporter                                 Customers
                10 to 49  50 to 249     Yes      No     B2B only    Consumer only Any public sector
                     182         91     121     379          174              136               187
                      69         11     111     389          166              147               172
                       1           0       2      14           5                7                 2
                     1%         0%       2%      4%          3%               5%                1%
                       5          **      *4     *34          15              *18                 9
                     7%         1%       3%      9%          9%              12%                5%
                      61        *11    *106    *333          146             *119               157
                    89%        99%     95%     86%          88%              81%               91%
                       2           0       0       7            *               4                 3
                     4%         0%       0%      2%           *%              2%                2%
                        *          0       0        *          0                0                 0
                      *%        0%       0%       *%         0%               0%                0%
                       5          **      *5     *48          19              *25               *12
                     7%         1%       5%    12%          12%              17%                7%
rs
     B2B and Consumer
                   150
                   157
                     4
                   2%
                    *5
                   3%
                  *146
                  93%
                     3
                   2%
                     0
                   0%
                    *9
                   5%
                             4-Sep-12
Business Barometer June 2012

Table E12/ 1

QE12 To what extent do you agree or disagree with the statement 'In 12 months time I am confident my business will s

Base: All Respondents
                                                             Sector                               Size of business
                                        Total   Prim/Manu Const     TRAD Services             1 to 9
Unweighted row                            500           91    49      123     237               227
Total                                     500           69    62      166     204               420
Agree strongly                            358           52   *35      118     154              *291
                                         72%          76%   56%      71%     76%               69%
Agree slightly                             86           14    15       28      29                *81
                                         17%          20%   23%      17%     14%               19%
Neither agree nor disagree                 25             1   *7        6      12                 21
                                          5%           1%   11%       3%      6%                 5%
Disagree slightly                          16             0   *6        6       4                 14
                                          3%           0%    9%       4%      2%                 3%
Disagree strongly                           9             *    0        6       3                  8
                                          2%            *%   0%       3%      1%                 2%
AGREE                                     445          *66   *49      146     183               372
                                         89%          96%   79%      88%     90%               89%
DISAGREE                                   24            **    6       12       7                 22
                                          5%            *%   9%       7%      3%                 5%
Don't know                                  6             2    1        2       2                  4
                                          1%           3%    1%       1%      1%                 1%
NET                                       420          *65   *43      135     177               350
                                         84%          95%   70%      81%     87%               83%
Page 97

IFF Research JN5136
confident my business will still be trading'?


          Size of business                 Exporter                               Customers
                 10 to 49  50 to 249       Yes      No    B2B only   Consumer only Any public sector
                      182         91       121     379         174             136               187
                       69         11       111     389         166             147               172
                      *57        *11       *89    *270        *131             *96               128
                     82%        95%       80%     69%         79%             65%               74%
                       *5          *1        15      72        *17              30                34
                      7%         5%       13%     18%         10%             20%               20%
                        3          **         5      20          9               7                  6
                      5%          *%        4%      5%         6%              4%                3%
                        1           0         2      14          4              *8                  2
                      2%         0%         2%      4%         2%              6%                1%
                        1           0         1       8          2               4                  1
                      1%         0%         1%      2%         1%              3%                 *%
                       62        *11       104     341         148             126              *162
                     89%       100%       93%     88%         89%             85%               94%
                        2           *-        3      22          6             *12                 *3
                      3%         0%         2%      6%         4%              8%                2%
                        2           0         *       6          3               3                  1
                      3%         0%         *%      2%         2%              2%                1%
                       59        *11      *101    *320         142            *113              *159
                     86%       100%       91%     82%         86%             77%               92%
rs
     B2B and Consumer
                   150
                   157
                   109
                  69%
                    34
                  22%
                     9
                   5%
                     3
                   2%
                     3
                   2%
                   143
                  91%
                     5
                   3%
                      *
                    *%
                   137
                  87%
                          4-Sep-12
Business Barometer June 2012

Table 168/ 1

QE14 The Department for Business, Innovation and Skills may be following up this study in a few months time. Would

Base: All Respondents
                                                           Sector                                Size of business
                                       Total   Prim/Manu Const    TRAD Services              1 to 9
Unweighted row                           500           91   49      123     237                227
Total                                    500           69   62      166     204                420
Yes                                      489           67   60      161     202                411
                                        98%          97%  96%      97%     99%                98%
No                                         6            0   *3        2       2                   6
                                         1%           0%   4%       1%      1%                  1%
Maybe                                      5            2    0        3       0                   4
                                         1%           3%   0%       2%      0%                  1%
Page 98

IFF Research JN5136
n a few months time. Would it be possible to recontact you at some point in the future?


         Size of business               Exporter                                    Customers
                10 to 49  50 to 249     Yes      No        B2B only   Consumer only Any public sector
                     182         91      121    379             174             136               187
                      69         11      111    389             166             147               172
                      68         11      111    378             162             145              *164
                    98%       100%     100%    97%             98%             99%               95%
                       *           *       0      6               3                *               *6
                     1%          *%      0%      2%             2%               *%               3%
                       1          0         *     4               1               2                 2
                     1%         0%        *%     1%             1%              1%                1%
rs
     B2B and Consumer
                   150
                   157
                   154
                  98%
                     2
                   1%
                     2
                   1%
                         4-Sep-12
Business Barometer June 2012

Table 169/ 1

QE15 Whether consent given for data linkage

Base: All Respondents
                                                           Sector                     Size of business
                                       Total   Prim/Manu Const    TRAD Services   1 to 9
Unweighted row                           500           91   49      123     237     227
Total                                    500           69   62      166     204     420
Yes                                      488           69   62     *156     201     408
                                        98%         100% 100%      94%     99%     97%
No                                        12            *    0       *9       3       12
                                         2%           *%   0%       6%      1%       3%
Page 99

IFF Research JN5136
Size of business             Exporter                               Customers
       10 to 49  50 to 249   Yes      No   B2B only    Consumer only Any public sector
            182         91    121    379        174              136               187
             69         11    111    389        166              147               172
             69         11    106    382       *166              141               170
           99%        99%    95%    98%       100%              96%               99%
              *          *      5      7          **               7                 2
            1%         1%     5%      2%         *%              4%                1%
rs
     B2B and Consumer
                   150
                   157
                   152
                  97%
                     5
                   3%

				
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