The Banker/IFAC SME Lender Survey
Type: Frequency Report
Date: 9/14/2009
Total number of responses collected: 559 (146 completed response / 413 partial responses)
1: Please describe the volume of lending activity to SMEs in terms of number of SME loan applications you
received in the first half of 2009 compared to the same period in 2008.
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Much more
7.7%
15
More
27.0%
53
About the same
22.4%
44
Fewer
32.1%
63
Much less
10.7%
21
Not Answered
Created using Vovici EFM Community
363
Mean
3.112
Standard Deviation
1.149
Valid Responses
196
Total Responses
Created using Vovici EFM Community
559
3: Please describe the volume of lending activity in terms of number of SME loans you approved during the first
half of 2009 compared to the same period in 2008.
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Much more
3.7%
7
More
25.4%
48
About the same
22.2%
42
Less
37.0%
70
Much less
11.6%
22
Not Answered
Created using Vovici EFM Community
370
Mean
3.275
Standard Deviation
1.081
Valid Responses
189
Total Responses
559
5: Please provide an indication of the average loan amounts approved for SMEs during the first half of 2009
compared with the same period in 2008.
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Much more
3.2%
6
More
21.3%
40
About the same
37.2%
70
Less
34.6%
65
Much less
3.7%
7
Not Answered
Created using Vovici EFM Community
371
Mean
3.144
Standard Deviation
0.905
Valid Responses
188
Total Responses
559
6: In the light of recent developments what action(s) do you anticipate your bank taking with respect to SME
lending in the coming 12–24 months?
Tick all that apply
(Respondents were allowed to choose multiple responses)
Response
Chart
Frequency
Count
23.1%
129
20.8%
116
2.3%
13
Tightening the loan criteria
10.4%
58
Loosening the loan criteria
4.8%
27
2.7%
15
Increasing the number of
loans approved for new
clients
Increasing loan amounts to
current clients
Further restricting the number
of loans issued
Further restricting loan
amounts
Created using Vovici EFM Community
Valid Responses
358
Total Responses
559
Created using Vovici EFM Community
7: What key information were you most focused on when considering SME loan applications before the credit
crisis?
Please rate on a scale of 1-5, with 1 being least important and 5 being most important
1 - Not
2
3
4
Total
Mean
Std Dev
1
5
18
45
98
167
4.401
0.844
0.6%
3.0%
10.8%
26.9%
58.7%
100.0%
3
9
40
50
66
168
3.994
1.006
1.8%
5.4%
23.8%
29.8%
39.3%
100.0%
6
20
53
54
34
167
3.539
1.057
3.6%
12.0%
31.7%
32.3%
20.4%
100.0%
3
9
49
65
41
167
3.790
0.937
1.8%
5.4%
29.3%
38.9%
24.6%
100.0%
3
12
46
75
32
168
3.720
0.915
1.8%
7.1%
27.4%
44.6%
19.0%
100.0%
important
Cash flow information
Count
% by
Row
Collateral
Count
% by
Row
Personal guarantees
Count
% by
Row
Business plans
Count
% by
Row
Forecasted/prospective
financial information
Count
% by
Row
Created using Vovici EFM Community
5 - Very
important
Directors/management
profiles
Count
% by
Row
Industry trends
Count
% by
Row
Key risk indicators
Count
% by
Row
Credit ratings and
references
Count
% by
Row
Financial statements
Count
% by
Row
2
12
52
61
41
168
1.2%
7.1%
31.0%
36.3%
24.4%
100.0%
1
16
51
72
26
166
0.6%
9.6%
30.7%
43.4%
15.7%
100.0%
3
4
37
66
57
167
1.8%
2.4%
22.2%
39.5%
34.1%
100.0%
8
22
27
61
47
165
4.8%
13.3%
16.4%
37.0%
28.5%
100.0%
2
9
40
59
57
167
1.2%
5.4%
24.0%
35.3%
34.1%
100.0%
13
20
29
42
61
165
7.9%
12.1%
17.6%
25.5%
37.0%
100.0%
36
30
45
44
8
163
3.756
0.945
3.639
0.882
4.018
0.908
3.709
1.158
3.958
0.953
3.715
1.292
2.742
1.215
Financial statements
accompanied by an
Count
audit report
% by
Row
Financial statements
accompanied by
another form of
Count
assurance report
Created using Vovici EFM Community
% by
22.1%
18.4%
27.6%
27.0%
4.9%
100.0%
35
30
49
36
11
161
21.7%
18.6%
30.4%
22.4%
6.8%
100.0%
25
47
40
31
18
161
15.5%
29.2%
24.8%
19.3%
11.2%
100.0%
2
5
23
58
77
165
1.2%
3.0%
13.9%
35.2%
46.7%
100.0%
9
1
4
10
18
42
21.4%
2.4%
9.5%
23.8%
42.9%
100.0%
Count
152
251
603
829
692
2527
% by Row
6.0%
9.9%
23.9%
32.8%
27.4%
100.0%
Row
Financial statements
accompanied by a
Count
2.739
1.222
2.814
1.236
4.230
0.888
3.643
1.575
N/A
N/A
compilation report
% by
Row
Tax return
Count
% by
Row
Transaction
history/account
Count
behavior
% by
Row
Other, please specify
below
Count
% by
Row
Total
Created using Vovici EFM Community
9: What key information are you most focused on when considering SME loan applications in the current
environment?
Please rate on a scale of 1-5, with 1 being least important and 5 being most important
1 - Not
2
3
4
Total
Mean
Std Dev
2
2
8
36
112
160
4.588
0.756
1.3%
1.3%
5.0%
22.5%
70.0%
100.0%
0
4
13
39
103
159
4.516
0.754
0.0%
2.5%
8.2%
24.5%
64.8%
100.0%
4
14
34
49
61
162
3.920
1.075
2.5%
8.6%
21.0%
30.2%
37.7%
100.0%
3
7
30
69
52
161
3.994
0.925
1.9%
4.3%
18.6%
42.9%
32.3%
100.0%
3
7
23
69
59
161
4.081
0.922
1.9%
4.3%
14.3%
42.9%
36.6%
100.0%
important
Cash flow information
Count
% by
Row
Collateral
Count
% by
Row
Personal guarantees
Count
% by
Row
Business plans
Count
% by
Row
Forecasted/prospective
financial information
Count
% by
Row
Created using Vovici EFM Community
5 - Very
important
Directors/management
profiles
Count
% by
Row
Industry trends
Count
% by
Row
Key risk indicators
Count
% by
Row
Credit ratings and
references
Count
% by
Row
Financial statements
Count
% by
Row
2
8
37
58
56
161
1.2%
5.0%
23.0%
36.0%
34.8%
100.0%
0
5
22
64
69
160
0.0%
3.1%
13.8%
40.0%
43.1%
100.0%
2
2
18
55
83
160
1.3%
1.3%
11.3%
34.4%
51.9%
100.0%
8
10
29
51
62
160
5.0%
6.3%
18.1%
31.9%
38.8%
100.0%
2
6
33
49
69
159
1.3%
3.8%
20.8%
30.8%
43.4%
100.0%
12
11
28
39
71
161
7.5%
6.8%
17.4%
24.2%
44.1%
100.0%
32
22
36
50
16
156
3.981
0.945
4.231
0.803
4.344
0.825
3.931
1.128
4.113
0.948
3.907
1.249
2.974
1.305
Financial statements
accompanied by an
Count
audit report
% by
Row
Financial statements
accompanied by
another form of
Count
assurance report
Created using Vovici EFM Community
% by
20.5%
14.1%
23.1%
32.1%
10.3%
100.0%
30
21
38
45
21
155
19.4%
13.5%
24.5%
29.0%
13.5%
100.0%
22
27
53
29
28
159
13.8%
17.0%
33.3%
18.2%
17.6%
100.0%
1
4
13
38
104
160
0.6%
2.5%
8.1%
23.8%
65.0%
100.0%
9
1
4
7
17
38
23.7%
2.6%
10.5%
18.4%
44.7%
100.0%
Count
132
151
419
747
983
2432
% by Row
5.4%
6.2%
17.2%
30.7%
40.4%
100.0%
Row
Financial statements
accompanied by a
Count
3.039
1.324
3.088
1.270
4.500
0.801
3.579
1.638
N/A
N/A
compilation report
% by
Row
Tax return
Count
% by
Row
Transaction
history/account
Count
behavior
% by
Row
Other, please specify
below
Count
% by
Row
Total
Created using Vovici EFM Community
11: What key information are you likely to be most focused on when considering SME loan applications in the
coming 12–24 months?
Please rate on a scale of 1-5, with 1 being least important and 5 being most important
1 - Not
2
3
4
Total
Mean
Std Dev
1
3
2
39
117
162
4.654
0.662
0.6%
1.9%
1.2%
24.1%
72.2%
100.0%
0
3
18
51
90
162
4.407
0.760
0.0%
1.9%
11.1%
31.5%
55.6%
100.0%
3
13
31
54
59
160
3.956
1.030
1.9%
8.1%
19.4%
33.8%
36.9%
100.0%
2
6
23
66
63
160
4.138
0.887
1.3%
3.8%
14.4%
41.3%
39.4%
100.0%
3
4
25
63
65
160
4.144
0.903
1.9%
2.5%
15.6%
39.4%
40.6%
100.0%
important
Cash flow information
Count
% by
Row
Collateral
Count
% by
Row
Personal guarantees
Count
% by
Row
Business plans
Count
% by
Row
Forecasted/prospective
financial information
Count
% by
Row
Created using Vovici EFM Community
5 - Very
important
Directors/management
profiles
Count
% by
Row
Industry trends
Count
% by
Row
Key risk indicators
Count
% by
Row
Credit ratings and
references
Count
% by
Row
Financial statements
Count
% by
Row
1
6
32
67
52
158
0.6%
3.8%
20.3%
42.4%
32.9%
100.0%
0
4
20
63
72
159
0.0%
2.5%
12.6%
39.6%
45.3%
100.0%
1
3
20
56
78
158
0.6%
1.9%
12.7%
35.4%
49.4%
100.0%
6
9
23
51
70
159
3.8%
5.7%
14.5%
32.1%
44.0%
100.0%
2
4
31
55
63
155
1.3%
2.6%
20.0%
35.5%
40.6%
100.0%
10
12
28
37
71
158
6.3%
7.6%
17.7%
23.4%
44.9%
100.0%
30
21
38
46
17
152
4.032
0.863
4.277
0.779
4.310
0.813
4.069
1.074
4.116
0.904
3.930
1.227
2.993
1.299
Financial statements
accompanied by an
Count
audit report
% by
Row
Financial statements
accompanied by
another form of
Count
assurance report
Created using Vovici EFM Community
% by
19.7%
13.8%
25.0%
30.3%
11.2%
100.0%
32
20
39
44
17
152
21.1%
13.2%
25.7%
28.9%
11.2%
100.0%
20
30
53
24
30
157
12.7%
19.1%
33.8%
15.3%
19.1%
100.0%
1
1
16
42
98
158
0.6%
0.6%
10.1%
26.6%
62.0%
100.0%
10
1
3
9
18
41
24.4%
2.4%
7.3%
22.0%
43.9%
100.0%
Count
122
140
402
767
980
2411
% by Row
5.1%
5.8%
16.7%
31.8%
40.6%
100.0%
Row
Financial statements
accompanied by a
Count
2.961
1.312
3.089
1.273
4.487
0.755
3.585
1.643
N/A
N/A
compilation report
% by
Row
Tax return
Count
% by
Row
Transaction
history/account
Count
behavior
% by
Row
Other, please specify
below
Count
% by
Row
Total
Created using Vovici EFM Community
13: Do your lending policies require some form of assurance on the entity’s financial statements from an external
professional accountant?
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Yes
65.9%
108
No
34.1%
56
Not Answered
Created using Vovici EFM Community
298
Mean
1.341
Standard Deviation
0.476
Valid Responses
164
Total Responses
462
14: If you answered yes to question 13, what form of assurance do you require the SME to obtain from an external
professional accountant to support the financial statements?
(Respondents were allowed to choose multiple responses)
Response
Chart
Audit
Frequency
Count
20.6%
95
2.8%
13
2.8%
13
Another form of assurance
(for example, negative,
limited, or moderate
assurance)
Other, please specify
Created using Vovici EFM Community
Valid Responses
121
Total Responses
462
15: If you answered no to question 13, what other type of service or information do you typically require from an
external professional accountant?
(Respondents were allowed to choose multiple responses)
Response
Chart
Compilation report
Frequency
Count
5.0%
23
6.7%
31
2.4%
11
Involvement of external
professional accountant not
required
Other, please specify
Created using Vovici EFM Community
Valid Responses
65
Total Responses
462
16: When considering extending credit to an SME, to what extent would you be influenced by the fact that an SME
has engaged an external professional accountant to provide assurance services and/or financial advice?
Please rate on a scale of 1-5, with 1 being not a factor to 5 being a great influence
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
1 - Not a factor
6.7%
11
2
11.0%
18
3
23.3%
38
4
42.3%
69
5 - Great influence
16.6%
27
Not Answered
Created using Vovici EFM Community
299
Mean
3.509
Standard Deviation
1.102
Valid Responses
163
Total Responses
462
4: Where do you currently reside?
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Afghanistan
0.0%
0
Åland Islands
0.0%
0
Albania
1.9%
3
Algeria
0.0%
0
American Samoa
0.0%
0
Andorra
0.6%
1
Angola, Republic of
0.0%
0
Anguilla
0.0%
0
Antarctica
0.0%
0
Antigua and Barbuda
0.0%
0
Argentina
7.0%
11
Armenia
0.0%
0
Aruba
0.0%
0
Australia
0.6%
1
Austria
1.3%
2
Azerbaijan
0.0%
0
Bahamas
0.0%
0
Created using Vovici EFM Community
Bahrain
0.6%
1
Bangladesh
0.0%
0
Barbados
0.6%
1
Belarus
0.6%
1
Belgium
0.0%
0
Belize
0.0%
0
Benin
1.3%
2
Bermuda
0.0%
0
Bhutan
0.0%
0
Bolivia
1.3%
2
Bosnia and Herzegovina
0.6%
1
Botswana
0.0%
0
Bouvet Island (Bouvetoya)
0.0%
0
Brazil
1.9%
3
0.0%
0
British Virgin Islands
0.0%
0
Brunei Darussalam
0.6%
1
Bulgaria
0.0%
0
Burkina Faso
0.0%
0
Burundi
0.0%
0
British Indian Ocean Territory
(Chagos Archipelago)
Created using Vovici EFM Community
Cambodia
0.6%
1
Cameroon
0.0%
0
Canada
0.0%
0
Cape Verde
0.0%
0
Cayman Islands
1.9%
3
Central African Republic
0.0%
0
Chad
0.0%
0
Chile
0.6%
1
China, People's Republic of
1.9%
3
Christmas Island
0.0%
0
Cocos (Keeling) Islands
0.0%
0
Colombia
1.3%
2
Comoros, Union of the
0.0%
0
0.6%
1
Congo, Republic of the
0.0%
0
Cook Islands
0.0%
0
Costa Rica
0.6%
1
Cote d'Ivoire
0.0%
0
Croatia
0.6%
1
Cuba
0.0%
0
Congo, Democratic Republic
of the
Created using Vovici EFM Community
Cyprus
0.0%
0
Czech Republic
0.0%
0
Denmark
1.3%
2
Djibouti
0.6%
1
Dominica
0.0%
0
Dominican Republic
1.3%
2
Ecuador
0.0%
0
Egypt
0.6%
1
El Salvador
0.0%
0
Equatorial Guinea
0.0%
0
Eritrea
0.0%
0
Estonia
0.0%
0
Ethiopia
0.0%
0
Faroe Islands
0.0%
0
Falkland Islands (Malvinas)
0.0%
0
Fiji
0.0%
0
Finland
0.0%
0
France
1.9%
3
French Guiana
0.0%
0
French Polynesia
0.0%
0
French Southern Territories
0.0%
0
Created using Vovici EFM Community
Gabon
0.0%
0
Gambia
1.3%
2
Georgia
0.0%
0
Germany
0.6%
1
Ghana
1.3%
2
Gibraltar
0.0%
0
Greece
0.0%
0
Greenland
0.0%
0
Grenada
0.0%
0
Guadeloupe
0.0%
0
Guam
0.0%
0
Guatemala
0.0%
0
Guernsey
0.0%
0
Guinea
0.6%
1
Guinea-Bissau
0.6%
1
0.6%
1
0.0%
0
0.0%
0
Holy See (Vatican City State)
0.0%
0
Honduras
0.0%
0
Guyana, Co-operative
Republic of
Haiti
Heard Island and McDonald
Islands
Created using Vovici EFM Community
Hong Kong
0.6%
1
Hungary
1.3%
2
Iceland
0.0%
0
India
3.2%
5
Indonesia
0.6%
1
Iran
0.0%
0
Iraq
0.0%
0
Ireland
0.0%
0
Isle of Man
0.0%
0
Israel
0.0%
0
Italy
1.9%
3
Jamaica
0.6%
1
Japan
0.6%
1
Jersey
0.0%
0
Jordan
0.6%
1
Kazakhstan
0.0%
0
Kenya
0.0%
0
Kiribati
0.0%
0
0.0%
0
1.3%
2
Korea, Democratic People's
Republic of
Korea, Republic of
Created using Vovici EFM Community
Kuwait
0.0%
0
Kyrgyz Republic
0.0%
0
0.6%
1
Latvia
0.6%
1
Lebanon
0.6%
1
Lesotho
0.0%
0
Liberia
0.6%
1
Libyan Arab Jamahiriya
0.0%
0
Liechtenstein
0.0%
0
Lithuania
0.0%
0
Luxembourg
0.0%
0
Macao
0.6%
1
Macedonia
1.3%
2
Madagascar
0.0%
0
Malawi
0.6%
1
Malaysia
0.6%
1
Maldives
0.0%
0
Mali
0.0%
0
Malta
1.3%
2
Marshall Islands
0.0%
0
Lao People's Democratic
Republic
Created using Vovici EFM Community
Martinique
0.0%
0
Mauritania
0.0%
0
Mauritius
0.6%
1
Mayotte
0.0%
0
Mexico
0.6%
1
Micronesia
0.0%
0
Moldova
0.0%
0
Monaco
0.0%
0
Mongolia
0.6%
1
Montenegro
0.0%
0
Montserrat
0.0%
0
Morocco
0.6%
1
Mozambique
1.3%
2
Myanmar
0.0%
0
Namibia
1.3%
2
Nauru
0.0%
0
Nepal
2.5%
4
Netherlands Antilles
0.0%
0
Netherlands
0.6%
1
New Caledonia
0.0%
0
New Zealand
0.0%
0
Created using Vovici EFM Community
Nicaragua
0.0%
0
Niger
0.6%
1
Nigeria
3.2%
5
Niue
0.0%
0
Norfolk Island
0.0%
0
Northern Mariana Islands
0.0%
0
Norway
0.0%
0
Oman
0.6%
1
Pakistan
0.6%
1
Palau
0.0%
0
Palestinian Territory
0.0%
0
Panama
0.0%
0
Papua New Guinea
0.0%
0
Paraguay
0.0%
0
Peru
0.0%
0
Philippines
0.6%
1
Pitcairn Islands
0.0%
0
Poland
1.9%
3
Portugal
0.6%
1
Puerto Rico
0.0%
0
Qatar
0.0%
0
Created using Vovici EFM Community
Reunion
0.0%
0
Romania
0.6%
1
Russian Federation
1.3%
2
Rwanda
0.0%
0
Saint Barthelemy
0.0%
0
Saint Helena
0.0%
0
Saint Kitts and Nevis
0.0%
0
Saint Lucia
0.0%
0
Saint Martin
0.0%
0
Saint Pierre and Miquelon
0.0%
0
0.0%
0
Samoa
0.0%
0
San Marino
0.0%
0
Sao Tome and Principe
0.0%
0
Saudi Arabia
0.0%
0
Senegal
0.6%
1
Serbia
1.9%
3
Seychelles
0.0%
0
Sierra Leone
1.3%
2
Singapore
0.0%
0
Saint Vincent and the
Grenadines
Created using Vovici EFM Community
Slovakia
0.0%
0
Slovenia
0.6%
1
Solomon Islands
0.0%
0
Somalia
0.0%
0
South Africa
1.3%
2
0.0%
0
Spain
0.6%
1
Sri Lanka
0.6%
1
Sudan
0.0%
0
Suriname
0.0%
0
0.0%
0
Swaziland
0.0%
0
Sweden
0.6%
1
Switzerland
0.0%
0
Syrian Arab Republic
0.0%
0
Taiwan
1.9%
3
Tajikistan
0.0%
0
Tanzania
0.0%
0
Thailand
0.0%
0
Timor-Leste
0.0%
0
South Georgia and the South
Sandwich Islands
Svalbard & Jan Mayen
Islands
Created using Vovici EFM Community
Togo
0.0%
0
Tokelau
0.0%
0
Tonga
0.0%
0
Trinidad and Tobago
2.5%
4
Tunisia
0.0%
0
Turkey
2.5%
4
Turkmenistan
0.0%
0
Turks and Caicos Islands
1.9%
3
Tuvalu
0.0%
0
Uganda
1.3%
2
Ukraine
0.0%
0
United Arab Emirates
1.9%
3
United Kingdom
1.9%
3
United States of America
0.6%
1
0.0%
0
United States Virgin Islands
0.0%
0
Uruguay, Eastern Republic of
1.3%
2
Uzbekistan
0.0%
0
Vanuatu
0.0%
0
Venezuela
0.6%
1
United States Minor Outlying
Islands
Created using Vovici EFM Community
Vietnam
0.0%
0
Wallis and Futuna
0.0%
0
Western Sahara
0.0%
0
Yemen
0.0%
0
Zambia
0.0%
0
Zimbabwe
1.9%
3
Not Answered
Created using Vovici EFM Community
106
Mean
122.918
Standard Deviation
76.715
Valid Responses
158
Total Responses
264
18: And in which city specifically? (City:)
(Respondents were limited to brief text responses)
Response
Chart
Frequency
Count
44.3%
117
Accra
0.8%
2
Banjul
0.8%
2
Belgrade
1.1%
3
Budapest
0.8%
2
Buenos Aires
3.4%
9
Copenhagen
0.8%
2
Cotonou
0.8%
2
Dubai
0.8%
2
FREETOWN
0.8%
2
HARARE
1.1%
3
ISTANBUL
1.1%
3
JOHANNESBURG
0.8%
2
Kampala
0.8%
2
Kathmandu
1.5%
4
La Paz
0.8%
2
Lagos
1.5%
4
Created using Vovici EFM Community
London
0.8%
2
Maputo
0.8%
2
Montevideo
0.8%
2
Mumbai
1.1%
3
PARIS
1.1%
3
Port of Spain
1.1%
3
Providenciales
0.8%
2
Santo Domingo
0.8%
2
Sao Paulo
0.8%
2
Seoul
0.8%
2
Skopje
0.8%
2
Taipei
0.8%
2
TIRANA
0.8%
2
Warsaw
1.1%
3
Windhoek
0.8%
2
Other Responses
25.4%
67
Created using Vovici EFM Community
Valid Responses
264
Total Responses
264
19: Into which range does your bank's total assets fall?
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Less than US$100m
10.4%
16
US$101m-$1,000m
19.5%
30
US$1,001m-$10,000m
26.0%
40
US$10,001m-$100,000m
19.5%
30
Over US$100,000m
24.7%
38
Not Answered
Created using Vovici EFM Community
110
Mean
3.286
Standard Deviation
1.312
Valid Responses
154
Total Responses
264
20: How may corporate customers does your bank currently have?
(Respondents could only choose a single response)
Response
Chart
Frequency
Count
Less than 50
5.8%
9
51-100
3.8%
6
101-250
8.3%
13
251-500
10.3%
16
501-1,000
10.9%
17
1,001-5,000
19.2%
30
5,000+
41.7%
65
Not Answered
Created using Vovici EFM Community
108
Mean
5.410
Standard Deviation
1.849
Valid Responses
156
Total Responses
264
21: What is your job title/position? (Job title/position:)
(Respondents were limited to brief text responses)
Response
Chart
Frequency
Count
42.4%
112
Analyst
0.8%
2
Assistant Manager
0.8%
2
CEO
0.8%
2
0.8%
2
credit analyst
1.1%
3
deputy manager
0.8%
2
Director
1.1%
3
Head of SME
0.8%
2
Head of SMEs
0.8%
2
managing director
2.7%
7
Product Manager
1.1%
3
Risk Manager
0.8%
2
Senior Manager
2.3%
6
0.8%
2
42.4%
112
Coordinator in corporate
lending division
Vice President, Business
Banking
Other Responses
Created using Vovici EFM Community
Created using Vovici EFM Community
Valid Responses
264
Total Responses
264
Created using Vovici EFM Community