"Data were collected by The Survey Shop in November 2009. A total of 402 interviews
were conducted by telephone using quota sampling. Respondents were qualified as
owners, managers and decision-makers, and the data are representative of SMEs in
UK and Ireland."
Data were collected by The Survey Shop in June 2010. A total of 406 interviews were conducted by telephone using quota sampling. Respondents were qualified as owners, managers and decision-makers, and the data are representative of SMEs in UK and Ireland.
Dividend Weekly World 16 2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
The Harris Buzz Report is conducted monthly and establishes the levels of buzz surrounding the latest news and product releases within technology, telecoms, media and entertainment.
When looking at national level the latest movies top the ranking in discussion buzz this month. The third instalments of The Hobbit and Taken top the list together with controversial comedy The Interview and Oscar-nominated Stephen Hawking biopic, The Theory of Everything.
Outside of movies, we see the proposed Paramount Pictures resort edges ahead of the gaming and technology news.
Free to download, the Harris Buzz Report is conducted monthly and establishes the levels of buzz surrounding the latest news and product releases within technology, telecoms, media and entertainment.
Using three key Buzz metrics, each report examines; the level of awareness and familiarity with each product release or news story, the degree of discussion amongst peers and the scale of excitement it generates.
Fieldwork for this wave (48) was conducted in January 2015.
Dividend Weekly No. 36/2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
By http://long-term-investments.blogspot.com
Data were collected by The Survey Shop in June 2010. A total of 406 interviews were conducted by telephone using quota sampling. Respondents were qualified as owners, managers and decision-makers, and the data are representative of SMEs in UK and Ireland.
Dividend Weekly World 16 2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
The Harris Buzz Report is conducted monthly and establishes the levels of buzz surrounding the latest news and product releases within technology, telecoms, media and entertainment.
When looking at national level the latest movies top the ranking in discussion buzz this month. The third instalments of The Hobbit and Taken top the list together with controversial comedy The Interview and Oscar-nominated Stephen Hawking biopic, The Theory of Everything.
Outside of movies, we see the proposed Paramount Pictures resort edges ahead of the gaming and technology news.
Free to download, the Harris Buzz Report is conducted monthly and establishes the levels of buzz surrounding the latest news and product releases within technology, telecoms, media and entertainment.
Using three key Buzz metrics, each report examines; the level of awareness and familiarity with each product release or news story, the degree of discussion amongst peers and the scale of excitement it generates.
Fieldwork for this wave (48) was conducted in January 2015.
Dividend Weekly No. 36/2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
By http://long-term-investments.blogspot.com
Dividend Weekly - World Yield Repot No39 2013Dividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Dividend weekly 48 2012 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommendet Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Size your Sales Force, Allocate FTEs, Create Sales Force Call Plans for all your Customers and Teams, and overall Field Force Effectiveness in the Healthcare Industry (Pharma, Biotech, Generics, and Medical Devices Business).
Mix your marketing channels by Customer Type at the same time. Define Your Commercial Strategy. Increase your ROI and Maximize Profitability long term.
Finally, share your solutions with your team in implement a customer-centric solution.
Ideal to boost your Sales Force Effectiveness and Commercial Excellence.
Powerful software, reliable process, and visual results. PromoPlanner4 makes your analysis easier, faster, and more robust.
Gone are the days where your country management is left without a solid solution for Strategic and Operational Planning in your Region! Say goodbye to personal bias and politics in the planning process.
After 15 years of evolution and thousands of projects in 92 countries we have now launched version 4 of the PromoPlanner.
Optimise your sales force and marketing resource allocation in house and with ease! Team Structure, Plan of Action, Marketing Channel Mix by Customer.
A true must-have skill for you and your organization.
www.promo-planner.com
Dividend Weekly 20/2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Companies all over the world come to Regus to find the flexible workspace that enables them to do business more effectively. We have over 800,000 customers using our business centres every day, this gives us a wealth of experience in all workplace issues. If you’re looking for an expert to speak at your event, big or small, we are happy to provide trained speakers to talk about the issues your audience want to discuss.
Please contact Henry Collinge at press.office@regus.com if you would like a Regus speaker to present at your event.
Find out more about Regus: http://www.regus.com/?utm_campaign=slideshare
Ipsos MORI Captains of Industry Survey 2016Ipsos UK
More than four in five business leaders hope UK voters will vote to “stay” in the forthcoming EU referendum according to a new Ipsos MORI study.
The findings, from “Captains of Industry”, a survey of more than 100 of the most senior figures in top UK companies, show most think continuing EU membership would be best for their business (87%), are personally hoping for a “stay” result in the forthcoming referendum (87%) and would themselves vote to stay in (83%) if there was a referendum tomorrow.
Ipsos MORI Captains of Industry Study 2016Ipsos UK
The annual Ipsos MORI Captains of Industry study finds that at the time of interviewing, 58% of Captains felt that since the referendum the decision to leave the EU has had a negative impact on their business. A third of Captains (31%) didn’t feel that Brexit had made any difference to the business situation for their company and just 11% feel it has made a positive impact.
Business leaders of the FTSE 500 anticipate a more negative business situation in the next 12 months. Two thirds (66%) feel the business situation of their company will be more negative post Brexit, with only 13% suggesting it will have a positive impact. However, the data suggests that this could improve in the long term, with a third of those interviewed (32%) feeling they would see a positive impact on their business in five years’ time and 45% expected to feel a negative impact.
Ipsos MORI Captains of Industry Survey 2018Ipsos UK
Three quarters (74%) of business leaders expect the general economic condition of the country will decline over the next 12 months, up from 66% this time last year. Just 8% expect it to improve.
The overwhelming majority of the FTSE 500 see the resolution of uncertainty around Brexit as the most important issue facing Britain today (95%).
Most are not confident in the ability of the government to negotiate a good deal for UK businesses with the EU (68%). Only one fifth (19%) of business leaders agree they are confident.
The Deloitte CFO Survey 2014 Q2 results - Risk appetite at new highDeloitte UK
Find out more at http://www.deloitte.co.uk/cfosurvey
Risk appetite among the chief financial officers (CFOs) of the UK’s largest companies has reached a seven year high.
- CFO risk appetite hits a seven year high despite economic and financial uncertainties.
- CFOs more positive on government policies and give strong vote of confidence to Bank of England.
- Worries over UK political risks eclipse economic risks for CFOs.
- Credit cheaper and more available than any time in seven years.
This is the 29th quarterly survey of chief financial officers and group finance directors of major companies in the UK.
The Q3 2014 survey took place between 8th and 22nd September.
118 CFOs participated, including the CFOs of 28 FTSE 100 and 40 FTSE 250 companies. The rest were CFOs of other UK-listed companies, large private companies and UK subsidiaries of major companies listed overseas. The combined market value of the 79 UK-listed companies surveyed is £462 billion, or approximately 20% of the UK quoted equity market.
The Deloitte CFO Survey is the only survey of major corporate users of capital that gauges attitudes to valuations, risk and financing.
Dividend Weekly - World Yield Repot No39 2013Dividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Dividend weekly 48 2012 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommendet Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Size your Sales Force, Allocate FTEs, Create Sales Force Call Plans for all your Customers and Teams, and overall Field Force Effectiveness in the Healthcare Industry (Pharma, Biotech, Generics, and Medical Devices Business).
Mix your marketing channels by Customer Type at the same time. Define Your Commercial Strategy. Increase your ROI and Maximize Profitability long term.
Finally, share your solutions with your team in implement a customer-centric solution.
Ideal to boost your Sales Force Effectiveness and Commercial Excellence.
Powerful software, reliable process, and visual results. PromoPlanner4 makes your analysis easier, faster, and more robust.
Gone are the days where your country management is left without a solid solution for Strategic and Operational Planning in your Region! Say goodbye to personal bias and politics in the planning process.
After 15 years of evolution and thousands of projects in 92 countries we have now launched version 4 of the PromoPlanner.
Optimise your sales force and marketing resource allocation in house and with ease! Team Structure, Plan of Action, Marketing Channel Mix by Customer.
A true must-have skill for you and your organization.
www.promo-planner.com
Dividend Weekly 20/2013 By http://long-term-investments.blogspot.comDividend Yield
The Dividend Weekly is a weekly published Fact Book with focus on dividend stocks. With this book, investors get a full overview of major leaders and laggards. In addition, they get a feeling of which dividend stocks are popular and which ones are the best investment opportunities in markets that are going up and down.
The book has the following items:
- Best 1-Week Performing Dividend Stocks
- Best Dividend Stocks Year-To-Date
- Best Yielding Stocks At New Highs
- Most Recommended Dividend Stocks
- Overbought Dividend Stocks
- Most Shorted Dividend Stocks
- Best Dividend Aristocrats in Canada and USA
- Stocks With Dividend Growth From Last Week
- Best Yielding Stocks From the World's Leading Stock Exchanges and Indices
- Ex-Dividend Stocks For Next Week
Thanks to http://long-term-investments.blogspot.com
Companies all over the world come to Regus to find the flexible workspace that enables them to do business more effectively. We have over 800,000 customers using our business centres every day, this gives us a wealth of experience in all workplace issues. If you’re looking for an expert to speak at your event, big or small, we are happy to provide trained speakers to talk about the issues your audience want to discuss.
Please contact Henry Collinge at press.office@regus.com if you would like a Regus speaker to present at your event.
Find out more about Regus: http://www.regus.com/?utm_campaign=slideshare
Ipsos MORI Captains of Industry Survey 2016Ipsos UK
More than four in five business leaders hope UK voters will vote to “stay” in the forthcoming EU referendum according to a new Ipsos MORI study.
The findings, from “Captains of Industry”, a survey of more than 100 of the most senior figures in top UK companies, show most think continuing EU membership would be best for their business (87%), are personally hoping for a “stay” result in the forthcoming referendum (87%) and would themselves vote to stay in (83%) if there was a referendum tomorrow.
Ipsos MORI Captains of Industry Study 2016Ipsos UK
The annual Ipsos MORI Captains of Industry study finds that at the time of interviewing, 58% of Captains felt that since the referendum the decision to leave the EU has had a negative impact on their business. A third of Captains (31%) didn’t feel that Brexit had made any difference to the business situation for their company and just 11% feel it has made a positive impact.
Business leaders of the FTSE 500 anticipate a more negative business situation in the next 12 months. Two thirds (66%) feel the business situation of their company will be more negative post Brexit, with only 13% suggesting it will have a positive impact. However, the data suggests that this could improve in the long term, with a third of those interviewed (32%) feeling they would see a positive impact on their business in five years’ time and 45% expected to feel a negative impact.
Ipsos MORI Captains of Industry Survey 2018Ipsos UK
Three quarters (74%) of business leaders expect the general economic condition of the country will decline over the next 12 months, up from 66% this time last year. Just 8% expect it to improve.
The overwhelming majority of the FTSE 500 see the resolution of uncertainty around Brexit as the most important issue facing Britain today (95%).
Most are not confident in the ability of the government to negotiate a good deal for UK businesses with the EU (68%). Only one fifth (19%) of business leaders agree they are confident.
The Deloitte CFO Survey 2014 Q2 results - Risk appetite at new highDeloitte UK
Find out more at http://www.deloitte.co.uk/cfosurvey
Risk appetite among the chief financial officers (CFOs) of the UK’s largest companies has reached a seven year high.
- CFO risk appetite hits a seven year high despite economic and financial uncertainties.
- CFOs more positive on government policies and give strong vote of confidence to Bank of England.
- Worries over UK political risks eclipse economic risks for CFOs.
- Credit cheaper and more available than any time in seven years.
This is the 29th quarterly survey of chief financial officers and group finance directors of major companies in the UK.
The Q3 2014 survey took place between 8th and 22nd September.
118 CFOs participated, including the CFOs of 28 FTSE 100 and 40 FTSE 250 companies. The rest were CFOs of other UK-listed companies, large private companies and UK subsidiaries of major companies listed overseas. The combined market value of the 79 UK-listed companies surveyed is £462 billion, or approximately 20% of the UK quoted equity market.
The Deloitte CFO Survey is the only survey of major corporate users of capital that gauges attitudes to valuations, risk and financing.
Dans sa dernière étude « PwC Golden Age Index : how well are OECD economies adapting to an older workforce ? », le cabinet d’audit et de conseil PwC compare l’emploi des seniors (travailleurs âgés de plus de 55 ans) dans 34 pays de l’OCDE.
PwC’s new Golden Age Index – how well are countries harnessing the power of o...PwC
One of the key megatrends affecting the UK and most other developed countries is an ageing population. Harnessing the potential of older workers will therefore become an increasingly important source of competitive advantage for both nations and businesses.
To explore how the UK compares with other OECD economies in this regard, PwC has developed a new ‘Golden Age index’ comparing how well they are utilising workers aged 55 and over. The index includes relative employment, earnings and training rates for older workers for 34 OECD countries over the period since 2003.
5 Years on: Recruitment company shareprice performance sept 12th 2008 dateMarcus Panton
An updated and slightly more detailed analysis showing how 12 listed recruitment companies have performed since the market crash of 2008.
This analysis show's extra information such as headcount, market cap, interim report highlights (and a few low lights), 2013 performance, Q3 performance, graphs, charts and some simple observations.
I hope that if you work in recruitment, you will find this simple analysis of interest and hopefully it'll trigger some interesting conversations.
Note - Initially I put this together simply out of interest as an investor, trader and recruitment professional, it goes without saying that you should not base any investment decision on anything I have included in this analysis.
Similar to 15 jan 10.qbe business sentiment survey jan 2010 - data extract (20)
In this edition we highlight the latest HSE accident statistics, which present a mixed picture with regard to fatal incidence rate in the construction sector.
"QBE offers private car, fleet car, commercial vehicle, coach and bus, taxis and self-drive hire programmes, all delivered by an experienced team of specialist underwriters.
Locally empowered motor underwriters also operate from six national branches. They are able to deliver flexible and innovative solutions, along with QBE's renowned high quality service.
The provision of client focused insurance solutions through specialist underwriters, quality claims handling and strategic risk management has established QBE as a market leader in the motor insurance sector.
"
"The Health & Safety at Work Act 1974, the basis of health & safety law in this country, sets out employer’s duties to its employees and members of the general public and the duties that employees have to themselves and each other. Remember that the law states that a motor vehicle is a place of work. The Road Safety Bill contains a number of measures aimed at helping to improve safety on the roads of Great Britain and to help achieve targets for the reduction of casualty frequency and in particular revisions to the law relative to the use of mobile phones which is covered under the “Drivers” section of this document. A general introduction has been produced explaining how the new offence of corporate manslaughter/homicide works and where it will apply. It is intended to provide fundamental information to employers, senior managers and others seeking an overview of the new legislation.
"
"This quarterly publication aims to provide you with up to date developments pertaining to health, safety and legal liability issues within the construction industry.
Recent adverse publicity has hit the construction industry when the Office of Fair Trading fined 103 construction companies a total of £129.5 million, after they were found to have colluded on building contracts.
"
QBE's insight into employer's responsibilities in relation to work related dermatitis. It highlights best practices, legal requirements and includes guidance and other information.
QBE's quick guide to the importance of promoting safe behaviour at work, highlighting best practices, legal requirements and including guidance and other information.
Hand Arm Vibration Syndrome (HAVS) and the prevention, limitation and elimination thereof. QBE's short guide for employers, cataloguing best practices, legal requirements and includes guidance and other information.
Employers have general duties to contractors under the Health and Safety at Work Act. This QEB factsheet outlines these, and sets out best practices, legal requirements and includes guidance and other information.
Risk assessments are a core requirement of modern Health and Safety legislation. Here is QBE's short guide to best practices in risk assesment, legal requirements in relation to this legislation and includes guidance and further information for employers.
QBE's compact guide to employer's responsibilities in relation to their employees use of vehicles in conjunction with work. It highlights best practices, legal requirements and includes guidance and other information.
It is estimated that in up to 80% of work related accidents the employee’s behaviour or their acts or omissions is a contributing factor. HSE research1 concluded that proprietary and in-house behavioural safety processes improve
safety when implemented effectively. One study reported an 85% improvement in accident rates. Successful behavioural safety programmes require senior management commitment, suitable resources and effective planning to ensure they fit in with your organisation’s culture and
health and safety management system.
QBE supports clients who decide to implement behavioural safety processes and this Issues Forum discusses the key elements of successful behavioural safety programmes, with practical advice on how to implement one and the pitfalls to avoid.
Thought leadership insurance document from QBE European Operations.
This guide has been constructed to help you and your staff through the potentially complex aftermath of a serious or fatal accident on site. It covers key areas of the law and offers practical guidance on what to do when organisations and individuals are faced with criminal charges under health and safety and corporate manslaughter legislation.
"Recent research from the HSE (1) confirms QBE’s long held view that the burden of musculoskeletal disorders (MSDs) to employers is significant, with the highest cost relating to time lost from work. It is no coincidence that financial losses associated with extended lost time often make up the largest component of high-value personal injury claims, offering a component of the business case and a logical rationale for promoting proactive rehabilitation and absence management. We acknowledge the vital importance of ensuring early and appropriate intervention for those who experience MSDs, particularly where this has the potential to
escalate into extended absence. In meeting this objective, the role of the case manager is pivotal in liaising between affected individuals and
the organisation to facilitate a successful return to work – a point echoed within the HSE report.
"
Presentation on Corporate Risk management poresented to the QBE European Operations Issues Risk forum 14 November 2007 by Rodney Wilson
Partner, BLM Liverpool
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
15 jan 10.qbe business sentiment survey jan 2010 - data extract
1. Page 1 of 47
QBE’s THIRD BUSINESS SENTIMENT SURVEY
DATA EXTRACT
London, 15 January 2010
About the QBE’s Third Business Sentiment Survey
Data were collected by The Survey Shop in November 2009. A total of 402 interviews
were conducted by telephone using quota sampling. Respondents were qualified as
owners, managers and decision-makers, and the data are representative of SMEs in
UK and Ireland. The data are representative of SMEs in the UK and Ireland, grouped
by region (East, London, Midlands & Wales, North Midlands, North West, Scotland,
South West, Yorkshire & North East and Ireland) and by number of employees (Up to
10, 10 to 49 and 50 to 250).
About QBE
Founded in Australia over 100 years ago, QBE Insurance Group is a specialist
business insurer, now operating out of 45 countries across the globe. We have been
active in the UK since 1904, orginally within the marine insurance market, but
branching out more recently to offer commercial insurance to companies across the
UK. At the end of 2008, the Group’s turnover was over £6bn, making it one of the
largest insurance firms in the UK.
We provide insurance for a broad range of business categories, including property,
motor (commercial, bus and fleet), public and product liability insurance, professional
indemnity, leisure and sport, marine, energy, aviation, and specialty insurance,
including bloodstock.
In the UK QBE is rated a leading insurer for claims service,* among the top three
insurance companies for service overall by Insurance Times, 2008 and was chosen
as ‘most competitive insurer’ in July 2009**.
* June 2009, source: Gracechurch Survey
** Source: Insurance Times
2. Page 2 of 47
QBE is proud to be the official insurance partner of the Guinness Premiership. This
partnership with the world’s most competitive domestic rugby union competition will
allow QBE’s brand to develop and business to grow in the UK.
-ENDS-
For further information please contact:
Samantha Whiteley, Haggie Financial
Tel: + 44 20 7417 8989; email Samantha.Whiteley@haggie.co.uk
Henny Breakwell, Haggie Financial
Tel: +44 20 7417 8989 email: Henny.Breakwell@haggie.co.uk
3. Page 3 of 47
Extracts from QBE’s Third Business Sentiment Survey
How do you expect your business to be affected in the next 6 months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Sales turnover to increase
greatly in the next 6
months
5% 5% 11% 11% 8% 5% 0% 3% 8% 2%
Sales turnover to increase
a little in the next 6
months
28% 27% 24% 32% 35% 27% 36% 33% 33% 18%
Sales turnover to stay the
same in the next 6 months
41% 49% 37% 34% 30% 57% 51% 50% 39% 33%
Sales turnover to decrease
a little in the next 6
months
19% 16% 18% 11% 19% 5% 10% 13% 17% 37%
Sales turnover to decrease
a great deal in the next 6
months
7% 3% 11% 13% 8% 5% 3% 3% 3% 10%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
4. Page 4 of 47
Extracts from QBE’s Third Business Sentiment Survey
How do you expect your business to be affected in the next 6 months?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Sales turnover to increase
greatly in the next 6 months
5% 2% 6% 5% 6% 6%
Sales turnover to increase a
little in the next 6 months
28% 18% 31% 26% 31% 31%
Sales turnover to stay the
same in the next 6 months
41% 33% 43% 44% 35% 31%
Sales turnover to decrease a
little in the next 6 months
19% 37% 14% 17% 25% 26%
Sales turnover to decrease a
great deal in the next 6
months
7% 10% 6% 8% 2% 6%
Column Total 100% 100% 100% 100% 100% 100%
5. Page 5 of 47
Extracts from QBE’s Third Business Sentiment Survey
How do you expect your business to be affected in the next 6 months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Sales turnover to
increase greatly in the
next 6 months
5% 3% 4% 0% 3% 5% 9% 7% 9%
Sales turnover to
increase a little in the
next 6 months
28% 13% 32% 25% 43% 15% 24% 33% 23%
Sales turnover to stay
the same in the next 6
months
41% 47% 44% 45% 38% 35% 40% 33% 55%
Sales turnover to
decrease a little in the
next 6 months
19% 29% 19% 20% 8% 30% 13% 23% 9%
Sales turnover to
decrease a great deal in
the next 6 months
7% 8% 1% 10% 10% 15% 15% 4% 5%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
6. Page 6 of 47
Extracts from QBE’s Third Business Sentiment Survey
Are current business conditions the most favourable you have experienced in the last 18 months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Yes 29% 43% 32% 26% 30% 24% 26% 28% 44% 20%
No 67% 54% 66% 68% 59% 76% 74% 63% 53% 77%
Don’t know 4% 3% 3% 5% 11% 0% 0% 10% 3% 3%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
7. Page 7 of 47
Extracts from QBE’s Third Business Sentiment Survey
Are current business conditions the most favourable you have experienced in the last 18 months?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Yes 29% 20% 31% 28% 29% 34%
No 67% 77% 64% 68% 67% 66%
Don’t know 4% 3% 4% 5% 4% 0%
Column Total 100% 100% 100% 100% 100% 100%
8. Page 8 of 47
Extracts from QBE’s Third Business Sentiment Survey
Are current business conditions the most favourable you have experienced in the last 18 months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Yes 29% 29% 27% 25% 25% 25% 44% 23% 32%
No 67% 63% 69% 65% 70% 75% 53% 77% 55%
Don’t know 4% 8% 4% 10% 5% 0% 4% 0% 14%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
9. Page 9 of 47
Extracts from QBE’s Third Business Sentiment Survey
Would you say your business is now better placed to make the most of an upturn in the economy than it was 18 months ago?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Yes 54% 49% 37% 50% 54% 46% 56% 60% 61% 60%
No 37% 43% 45% 39% 30% 46% 36% 30% 33% 34%
Don’t know 9% 8% 18% 11% 16% 8% 8% 10% 6% 6%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
10. Page 10 of 47
Extracts from QBE’s Third Business Sentiment Survey
Would you say your business is now better placed to make the most of an upturn in the economy than it was 18 months ago?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Yes 54% 60% 52% 47% 66% 77%
No 37% 34% 38% 42% 27% 17%
Don’t know 9% 6% 11% 11% 7% 6%
Column Total 100% 100% 100% 100% 100% 100%
11. Page 11 of 47
Extracts from QBE’s Third Business Sentiment Survey
Would you say your business is now better placed to make the most of an upturn in the economy than it was 18 months ago?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Yes 54% 53% 53% 55% 55% 53% 56% 51% 64%
No 37% 42% 39% 25% 40% 40% 36% 37% 18%
Don’t know 9% 5% 9% 20% 5% 8% 7% 12% 18%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
12. Page 12 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will before we see full economic recovery in [the UK / Ireland]?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
6 months 4% 3% 0% 11% 3% 8% 3% 0% 3% 4%
12 months 22% 30% 16% 16% 27% 14% 41% 28% 31% 13%
18 months 17% 8% 29% 21% 14% 16% 3% 18% 31% 16%
2 years 47% 38% 42% 42% 41% 54% 38% 43% 28% 66%
[Unprompted] Don’t know 10% 22% 13% 11% 16% 8% 15% 13% 8% 1%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
13. Page 13 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will before we see full economic recovery in [the UK / Ireland]?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
6 months 4% 4% 4% 4% 4% 6%
12 months 22% 13% 25% 20% 33% 17%
18 months 17% 16% 17% 17% 16% 23%
2 years 47% 66% 41% 48% 43% 46%
[Unprompted] Don’t know 10% 1% 13% 12% 5% 9%
Column Total 100% 100% 100% 100% 100% 100%
14. Page 14 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will before we see full economic recovery in [the UK / Ireland]?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
6 months 4% 5% 2% 5% 3% 8% 9% 0% 5%
12 months 22% 26% 20% 15% 25% 18% 25% 21% 32%
18 months 17% 18% 14% 20% 18% 23% 16% 15% 23%
2 years 47% 42% 53% 50% 55% 43% 38% 48% 36%
[Unprompted] Don’t
know
10% 8% 11% 10% 0% 10% 11% 16% 5%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
15. Page 15 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will take your business to recover from the recession?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
It already has 22% 27% 29% 24% 27% 30% 15% 28% 31% 8%
6 months 12% 19% 16% 18% 11% 14% 3% 23% 14% 6%
12 months 21% 14% 18% 11% 22% 14% 36% 15% 19% 27%
18 months 12% 8% 16% 13% 11% 16% 5% 8% 17% 12%
2 years 26% 19% 13% 26% 27% 16% 33% 13% 11% 45%
[Unprompted] Don’t know 7% 14% 8% 8% 3% 11% 8% 15% 8% 2%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
16. Page 16 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will take your business to recover from the recession?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
It already has 22% 8% 26% 21% 23% 26%
6 months 12% 6% 15% 12% 18% 3%
12 months 21% 27% 19% 20% 25% 14%
18 months 12% 12% 12% 13% 8% 6%
2 years 26% 45% 20% 27% 18% 40%
[Unprompted] Don’t know 7% 2% 9% 7% 7% 11%
Column Total 100% 100% 100% 100% 100% 100%
17. Page 17 of 47
Extracts from QBE’s Third Business Sentiment Survey
How long do you expect it will take your business to recover from the recession?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
It already has 22% 29% 22% 25% 23% 15% 27% 14% 27%
6 months 12% 8% 14% 5% 15% 15% 20% 5% 14%
12 months 21% 21% 14% 25% 23% 20% 24% 26% 23%
18 months 12% 13% 11% 25% 13% 10% 5% 14% 14%
2 years 26% 18% 27% 15% 25% 38% 18% 34% 18%
[Unprompted] Don’t
know
7% 11% 12% 5% 3% 3% 5% 7% 5%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
18. Page 18 of 47
Extracts from QBE’s Third Business Sentiment Survey
If current conditions were to continue for another twelve months how would your business be affected?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
It would provide the
opportunity for
profitability and growth
9% 11% 5% 16% 16% 5% 0% 13% 8% 7%
It would not be difficult to
maintain sales and
manage costs
21% 35% 29% 21% 16% 30% 18% 20% 33% 9%
It would be difficult but
manageable
50% 32% 47% 42% 43% 49% 69% 55% 44% 54%
It would be extremely
difficult to survive
21% 22% 18% 21% 24% 16% 13% 13% 14% 30%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
19. Page 19 of 47
Extracts from QBE’s Third Business Sentiment Survey
If current conditions were to continue for another twelve months how would your business be affected?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
It would provide the
opportunity for profitability
and growth
9% 7% 9% 7% 16% 6%
It would not be difficult to
maintain sales and manage
costs
21% 9% 25% 20% 23% 23%
It would be difficult but
manageable
50% 54% 48% 49% 52% 49%
It would be extremely
difficult to survive
21% 30% 18% 24% 10% 23%
Column Total 100% 100% 100% 100% 100% 100%
20. Page 20 of 47
Extracts from QBE’s Third Business Sentiment Survey
If current conditions were to continue for another twelve months how would your business be affected?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
It would provide the
opportunity for
profitability and growth
9% 5% 11% 5% 15% 3% 15% 3% 9%
It would not be difficult
to maintain sales and
manage costs
21% 26% 21% 20% 23% 20% 22% 15% 32%
It would be difficult but
manageable
50% 53% 47% 65% 43% 50% 44% 59% 36%
It would be extremely
difficult to survive
21% 16% 20% 10% 20% 28% 20% 23% 23%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
21. Page 21 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect each of the following business issues to increase, decrease or stay the same for your business in the next six
months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Competitors reducing
prices
53% 49% 42% 55% 51% 57% 62% 43% 42% 61%
Taxation issues 48% 46% 47% 61% 38% 51% 46% 38% 44% 53%
Shrinking sales 40% 32% 34% 34% 41% 46% 31% 35% 31% 52%
Increased costs from
suppliers
39% 35% 39% 61% 46% 54% 44% 43% 42% 21%
Business partners ceasing
trading
32% 38% 29% 21% 22% 27% 33% 25% 28% 44%
Crime-related issues (.i.e.
arson, theft etc)
32% 19% 18% 24% 24% 16% 36% 25% 22% 57%
Credit issues 29% 43% 16% 32% 30% 19% 31% 13% 11% 42%
Employment issues 18% 16% 18% 13% 16% 16% 10% 10% 17% 27%
Currency/ foreign
exchange issues
16% 11% 11% 18% 22% 11% 18% 33% 11% 13%
22. Page 22 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect each of the following business issues to increase, decrease or stay the same for your business in the next six
months?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Competitors reducing prices 53% 61% 50% 54% 47% 57%
Taxation issues 48% 53% 46% 48% 47% 49%
Shrinking sales 40% 52% 35% 40% 40% 31%
Increased costs from
suppliers
39% 21% 45% 39% 37% 43%
Business partners ceasing
trading
32% 44% 28% 31% 35% 34%
Crime-related issues (.i.e.
arson, theft etc)
32% 57% 23% 32% 28% 34%
Credit issues 29% 42% 24% 27% 35% 29%
Employment issues 18% 27% 15% 16% 23% 17%
Currency/ foreign exchange
issues
16% 13% 17% 15% 20% 14%
23. Page 23 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect each of the following business issues to increase, decrease or stay the same for your business in the next six
months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Competitors reducing
prices
53% 47% 48% 75% 45% 50% 55% 63% 45%
Taxation issues 48% 39% 45% 40% 63% 50% 56% 44% 50%
Shrinking sales 40% 34% 32% 30% 30% 53% 53% 48% 27%
Increased costs from
suppliers
39% 47% 31% 15% 33% 43% 53% 38% 68%
Business partners
ceasing trading
32% 21% 36% 35% 35% 35% 35% 29% 18%
Crime-related issues (.i.e.
arson, theft etc)
32% 32% 21% 35% 33% 48% 31% 42% 18%
Credit issues 29% 32% 26% 30% 33% 35% 33% 23% 23%
Employment issues 18% 26% 15% 10% 15% 23% 22% 16% 14%
Currency/ foreign
exchange issues
16% 13% 14% 15% 25% 10% 25% 11% 18%
24. Page 24 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect to invest in your business in the next 6 months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Yes 38% 35% 29% 39% 49% 32% 36% 38% 53% 34%
No 57% 46% 68% 55% 46% 59% 62% 58% 42% 64%
Don’t know 5% 19% 3% 5% 5% 8% 3% 5% 6% 2%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
25. Page 25 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect to invest in your business in the next 6 months?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Yes 38% 34% 39% 33% 47% 51%
No 57% 64% 55% 62% 49% 37%
Don’t know 5% 2% 7% 5% 4% 11%
Column Total 100% 100% 100% 100% 100% 100%
26. Page 26 of 47
Extracts from QBE’s Third Business Sentiment Survey
Do you expect to invest in your business in the next 6 months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Yes 38% 29% 34% 35% 38% 48% 44% 37% 41%
No 57% 58% 61% 55% 55% 48% 55% 62% 50%
Don’t know 5% 13% 5% 10% 8% 5% 2% 1% 9%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
27. Page 27 of 47
Extracts from QBE’s Third Business Sentiment Survey
Which of the following investments do you expect to make in the next six months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
New software/hardware/
equipment/plant/machinery
23% 22% 16% 24% 32% 24% 23% 23% 33% 17%
Marketing and advertising 17% 19% 11% 13% 30% 16% 10% 23% 19% 15%
New product lines/
services
15% 14% 3% 21% 24% 8% 13% 13% 25% 14%
Increased staff base 9% 16% 3% 11% 5% 3% 5% 8% 31% 6%
New premises 6% 5% 5% 8% 5% 5% 10% 5% 6% 4%
Youth employment and
training
6% 8% 0% 3% 5% 3% 5% 3% 11% 9%
Acquisitions 4% 3% 0% 5% 5% 3% 10% 8% 3% 2%
Not applicable – not
expecting to invest in
business
58% 59% 71% 58% 51% 68% 67% 60% 47% 53%
28. Page 28 of 47
Extracts from QBE’s Third Business Sentiment Survey
Which of the following investments do you expect to make in the next six months?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
New software/hardware/
equipment/plant/machinery
23% 17% 25% 18% 39% 26%
Marketing and advertising 17% 15% 18% 14% 24% 23%
New product lines/ services 15% 14% 15% 13% 17% 26%
Increased staff base 9% 6% 10% 6% 14% 17%
New premises 6% 4% 6% 4% 14% 3%
Youth employment and
training
6% 9% 5% 4% 10% 9%
Acquisitions 4% 2% 5% 2% 8% 6%
Not applicable – not
expecting to invest in
business
58% 53% 60% 63% 51% 43%
29. Page 29 of 47
Extracts from QBE’s Third Business Sentiment Survey
Which of the following investments do you expect to make in the next six months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
New software/hardware/
equipment/plant/machinery
23% 24% 20% 25% 35% 23% 29% 12% 27%
Marketing and advertising 17% 8% 13% 15% 23% 28% 16% 21% 14%
New product lines/
services
15% 5% 12% 5% 13% 13% 18% 23% 23%
Increased staff base 9% 11% 11% 20% 8% 5% 9% 4% 9%
New premises 6% 3% 7% 0% 3% 3% 11% 7% 5%
Youth employment and
training
6% 8% 6% 5% 5% 5% 5% 4% 9%
Acquisitions 4% 3% 4% 0% 5% 5% 7% 1% 5%
Not applicable – not
expecting to invest in
business
58% 68% 66% 65% 55% 50% 53% 53% 50%
30. Page 30 of 47
Extracts from QBE’s Third Business Sentiment Survey
If you expect to make an investment in your business in the next 6 months, how will you fund it?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Finance from cash flow 28% 35% 18% 29% 38% 24% 28% 30% 31% 25%
Bank loan 7% 3% 11% 11% 0% 5% 3% 10% 6% 11%
An investment from an
outside party
3% 0% 3% 0% 3% 3% 3% 0% 11% 5%
Finance from cost
reductions
3% 0% 3% 0% 3% 0% 0% 0% 8% 8%
Not applicable – not
expecting to invest in
business
57% 62% 61% 58% 51% 68% 59% 63% 47% 51%
31. Page 31 of 47
Extracts from QBE’s Third Business Sentiment Survey
If you expect to make an investment in your business in the next 6 months, how will you fund it?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Finance from cash flow 28% 25% 29% 23% 41% 40%
Bank loan 7% 11% 6% 7% 8% 6%
An investment from an
outside party
3% 5% 3% 3% 2% 6%
Finance from cost
reductions
3% 8% 2% 2% 4% 9%
Not applicable – not
expecting to invest in
business
57% 51% 59% 62% 46% 43%
32. Page 32 of 47
Extracts from QBE’s Third Business Sentiment Survey
If you expect to make an investment in your business in the next 6 months, how will you fund it?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Finance from cash flow 28% 24% 25% 20% 40% 30% 25% 29% 41%
Bank loan 7% 5% 4% 5% 0% 10% 18% 10% 5%
An investment from an
outside party
3% 0% 2% 5% 3% 5% 5% 3% 9%
Finance from cost
reductions
3% 0% 2% 5% 5% 8% 2% 4% 5%
Not applicable – not
expecting to invest in
business
57% 66% 65% 60% 55% 43% 53% 53% 45%
33. Page 33 of 47
Extracts from QBE’s Third Business Sentiment Survey
In the current environment, how easy is it, or how easy would you expect it to be, for you to access commercial credit?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Very difficult 23% 24% 24% 24% 14% 16% 28% 8% 8% 38%
Difficult 35% 19% 34% 32% 35% 30% 31% 35% 53% 38%
Same as in previous times 35% 54% 29% 34% 46% 43% 38% 43% 31% 21%
Easy 5% 0% 11% 11% 3% 8% 0% 13% 6% 0%
Very easy 2% 3% 3% 0% 3% 3% 3% 3% 3% 3%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
34. Page 34 of 47
Extracts from QBE’s Third Business Sentiment Survey
In the current environment, how easy is it, or how easy would you expect it to be, for you to access commercial credit?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Very difficult 23% 38% 18% 27% 13% 17%
Difficult 35% 38% 33% 33% 40% 31%
Same as in previous times 35% 21% 40% 33% 37% 43%
Easy 5% 0% 6% 4% 8% 3%
Very easy 2% 3% 2% 2% 1% 6%
Column Total 100% 100% 100% 100% 100% 100%
35. Page 35 of 47
Extracts from QBE’s Third Business Sentiment Survey
In the current environment, how easy is it, or how easy would you expect it to be, for you to access commercial credit?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Very difficult 23% 21% 25% 20% 28% 20% 22% 27% 5%
Difficult 35% 24% 34% 35% 35% 48% 36% 36% 23%
Same as in previous
times
35% 39% 39% 30% 28% 28% 36% 27% 64%
Easy 5% 13% 1% 10% 8% 5% 4% 5% 0%
Very easy 2% 3% 1% 5% 3% 0% 2% 4% 9%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
36. Page 36 of 47
Extracts from QBE’s Third Business Sentiment Survey
Considering each of the following sources of business advice, which do you or your business expect to seek advice from in the
next six months?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Accountants 68% 65% 74% 71% 73% 54% 74% 75% 72% 62%
Banks 23% 19% 29% 34% 19% 16% 28% 35% 28% 13%
Local Chambers of
Commerce
18% 11% 21% 24% 24% 11% 15% 18% 25% 17%
Financial advisors 14% 19% 5% 16% 16% 5% 10% 28% 11% 16%
Lawyers 14% 14% 13% 16% 16% 8% 8% 23% 22% 12%
Marketing, advertising and
PR consultants
12% 8% 5% 5% 16% 3% 15% 23% 17% 12%
Insurance brokers 11% 8% 8% 21% 14% 0% 13% 13% 19% 10%
Insurers 5% 5% 3% 5% 0% 3% 3% 10% 3% 8%
37. Page 37 of 47
Extracts from QBE’s Third Business Sentiment Survey
Considering each of the following sources of business advice, which do you or your business expect to seek advice from in the
next six months?
Base = all Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Accountants 68% 62% 70% 66% 75% 69%
Banks 23% 13% 26% 21% 27% 29%
Local Chambers of Commerce 18% 17% 19% 17% 16% 34%
Financial advisors 14% 16% 14% 11% 23% 23%
Lawyers 14% 12% 15% 11% 23% 20%
Marketing, advertising and PR
consultants
12% 12% 12% 10% 19% 6%
Insurance brokers 11% 10% 12% 8% 19% 20%
Insurers 5% 8% 4% 4% 6% 11%
38. Page 38 of 47
Extracts from QBE’s Third Business Sentiment Survey
Considering each of the following sources of business advice, which do you or your business expect to seek advice from in the
next six months?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Accountants 68% 71% 68% 35% 83% 60% 67% 75% 59%
Banks 23% 24% 20% 25% 8% 20% 29% 25% 45%
Local Chambers of
Commerce
18% 11% 19% 25% 18% 23% 9% 22% 23%
Financial advisors 14% 21% 12% 15% 15% 20% 15% 7% 27%
Lawyers 14% 18% 18% 30% 10% 8% 13% 5% 23%
Marketing, advertising
and PR consultants
12% 8% 8% 20% 20% 15% 13% 12% 5%
Insurance brokers 11% 13% 10% 20% 5% 5% 18% 7% 32%
Insurers 5% 3% 8% 10% 3% 0% 7% 3% 5%
39. Page 39 of 47
Extracts from QBE’s Third Business Sentiment Survey
When buying business insurance, would you prefer to go direct to the insurer, rather than via a broker?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Yes 37% 38% 34% 21% 35% 32% 38% 40% 39% 42%
No 52% 43% 55% 66% 51% 59% 56% 45% 44% 52%
Don’t know 11% 19% 11% 13% 14% 8% 5% 15% 17% 6%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
40. Page 40 of 47
Extracts from QBE’s Third Business Sentiment Survey
When buying business insurance, would you prefer to go direct to the insurer, rather than via a broker?
Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Yes 37% 42% 35% 39% 33% 23%
No 52% 52% 53% 51% 52% 69%
Don’t know 11% 6% 13% 10% 16% 9%
Column Total 100% 100% 100% 100% 100% 100%
41. Page 41 of 47
Extracts from QBE’s Third Business Sentiment Survey
When buying business insurance, would you prefer to go direct to the insurer, rather than via a broker?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Yes 37% 29% 32% 35% 43% 50% 36% 41% 27%
No 52% 58% 56% 60% 43% 43% 49% 53% 59%
Don’t know 11% 13% 12% 5% 15% 8% 15% 5% 14%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
42. Page 42 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Banks are holding back
from lending and stalling
sound business
propositions
68% 73% 63% 61% 59% 73% 69% 60% 72% 74%
Banks generally are
lending wisely and
assessing each request on
its business merits
20% 8% 18% 32% 22% 22% 10% 33% 25% 17%
Banks are being reckless
and lending too much on
unsafe business
propositions
7% 11% 11% 8% 11% 3% 18% 0% 0% 6%
Not stated 4% 8% 8% 0% 8% 3% 3% 8% 3% 3%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
43. Page 43 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Base = all Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Banks are holding back from
lending and stalling sound
business propositions
68% 74% 66% 68% 66% 71%
Banks generally are lending
wisely and assessing each
request on its business
merits
20% 17% 21% 18% 25% 26%
Banks are being reckless
and lending too much on
unsafe business
propositions
7% 6% 8% 8% 6% 3%
Not stated 4% 3% 5% 6% 2% 0%
Column Total 100% 100% 100% 100% 100% 100%
44. Page 44 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Banks are holding back
from lending and stalling
sound business
propositions
68% 68% 72% 60% 70% 58% 75% 63% 73%
Banks generally are
lending wisely and
assessing each request
on its business merits
20% 18% 18% 30% 23% 25% 18% 21% 18%
Banks are being reckless
and lending too much on
unsafe business
propositions
7% 11% 6% 5% 3% 13% 5% 10% 5%
Not stated 4% 3% 4% 5% 5% 5% 2% 7% 5%
Column Total 100% 100% 100% 100% 100% 100% 100% 100% 100%
45. Page 45 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Region
All Eastern
England
London Midlands
& Wales
North
Midlands
North
West
Scotland South
west
Yorks/
N. East
Ireland
Total (402) (37) (38) (38) (37) (37) (39) (40) (36) (100)
Downward trend in
unemployment figures
83% 89% 74% 82% 70% 81% 85% 70% 83% 94%
Upward trend in world
stock market indices
80% 84% 66% 79% 84% 73% 79% 85% 72% 88%
Upward trend in property
prices
79% 76% 71% 82% 81% 76% 69% 83% 78% 85%
Upward trend in high
street retail sales
74% 70% 79% 82% 78% 73% 64% 63% 81% 76%
Rising interest rates 65% 78% 66% 74% 62% 62% 51% 68% 53% 66%
Upward trend in sales of
luxury cars
52% 46% 50% 53% 51% 59% 44% 43% 44% 62%
Upward trend in air travel 50% 51% 50% 50% 43% 38% 54% 50% 39% 59%
Decreasing trend in the
price of gold
50% 38% 55% 42% 46% 57% 36% 43% 50% 62%
Upward trend in sales of
champagne
27% 14% 32% 16% 41% 19% 23% 23% 28% 35%
46. Page 46 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Base = all Country Number of employees
All Ireland UK 1 to 9 10 to 49 50 to 249
Total (402) (100) (302) (284) (83) (35)
Downward trend in
unemployment figures
83% 94% 79% 83% 83% 83%
Upward trend in world stock
market indices
80% 88% 78% 79% 86% 83%
Upward trend in property
prices
79% 85% 77% 79% 84% 66%
Upward trend in high street
retail sales
74% 76% 74% 71% 86% 74%
Rising interest rates 65% 66% 64% 64% 69% 60%
Upward trend in sales of
luxury cars
52% 62% 49% 50% 61% 49%
Upward trend in air travel 50% 59% 47% 47% 55% 60%
Decreasing trend in the price
of gold
50% 62% 46% 48% 58% 46%
Upward trend in sales of
champagne
27% 35% 24% 27% 23% 31%
47. Page 47 of 47
Extracts from QBE’s Third Business Sentiment Survey
Thinking of how the banks are handling requests for borrowing from businesses during the downturn, which of the following best
describes your opinion?
Main business sector
All Building
/
Constn.
Business
/ Prof.
services
Financial
services
IT,
Media /
Printing
Leisure
/
Catering
Manufng.
/Eng.
Retail &
Distn.
Other
Total (402) (38) (114) (20) (40) (40) (55) (73) (22)
Downward trend in
unemployment figures
83% 79% 82% 90% 80% 83% 82% 85% 86%
Upward trend in world
stock market indices
80% 74% 84% 85% 68% 83% 82% 82% 77%
Upward trend in property
prices
79% 74% 85% 75% 73% 70% 84% 79% 73%
Upward trend in high
street retail sales
74% 76% 71% 65% 68% 65% 76% 84% 86%
Rising interest rates 65% 68% 72% 80% 60% 58% 56% 60% 64%
Upward trend in sales of
luxury cars
52% 47% 46% 55% 50% 50% 60% 58% 55%
Upward trend in air travel 50% 47% 50% 30% 43% 48% 49% 58% 68%
Decreasing trend in the
price of gold
50% 53% 46% 55% 48% 65% 47% 53% 32%
Upward trend in sales of
champagne
27% 24% 25% 10% 30% 40% 20% 34% 23%