Market Gaps on Access to Finance - Bank of Valletta

B: EU funds- Economic Sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 5 (31%) 4 (17%) 9 (29%) 7 (50%) 2 (12%)
Yes, Applied
Yes, applied but rejected/ refused to proceed
0 (0%) 1 (4%) 0 (0%) 1 (7%) 2 (12%)
further 4 (25%) 1 (4%) 4 (13%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 1 (4%) 3 (10%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 7 (44%) 17 (71%) 15 (48%) 5 (36%) 13 (76%)
B: EU funds- Firm Lifecycle
Emerging Developme Expansion
Start-Up Growth nt Growth Growth
Yes, Used 4 (40%) 1 (25%) 18 (24%) 4 (31%)
Yes, Applied 1 (10%) 0 (0%) 3 (4%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 1 (10%) 0 (0%) 8 (11%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 4 (5%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 4 (40%) 3 (75%) 41 (55%) 9 (69%)
C: Bank overdraft, credit line or credit cards overdraft- Firm Size
1 - 9: Micro 10 to 49: Small
50 to 249:
Medium
Yes, Used 30 (61%) 30 (79%) 15 (100%)
Yes, Applied 5 (10%) 1 (3%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 14 (29%) 7 (18%) 0 (0%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%)
C: Bank overdraft, credit line or credit cards overdraft- Economic Sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 11 (69%) 22 (92%) 19 (61%) 9 (64%) 14 (82%)
Yes, Applied 0 (0%) 2 (8%) 2 (6%) 2 (14%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 5 (31%) 0 (0%) 10 (32%) 3 (21%) 3 (18%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
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