The Voice of Australian Business - Wave 5
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Transcript of The Voice of Australian Business - Wave 5
![Page 1: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/1.jpg)
The Voice of Australian Business 2016Wave 5
![Page 3: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/3.jpg)
What is The Voice?The Voice of Australian Business is a long term research project that follows and explores the mindset, needs, expectations and concerns of the Small to Medium (SME) business environment in Australia. The survey is conducted online with business owners, ‘C’ suite or Directors (decision makers) who are remunerated for their time. The survey has been carried out twice a year since 2014 and each survey examines key areas of SME concerns yet retains lines of questioning around business confidence, growth and technology. This is the fIfth ‘Voice’ survey and the data represents what SMEs are telling us.
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Why does Bentleys collect this data?
• There are 2,121,235 businesses in Australia
• Of which 2,045,333 are SMEs
• They produce over 90% of GDP
• They provide approx. 69% of the workforce
Source Australian Bureau of Statistics 2015
• SMEs feel that they do not have a ‘Voice’
• A professional services firm needs to understands its clients concerns.
• Bentleys wants to position itself as a ‘thought leader’
![Page 5: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/5.jpg)
The Voice 5 - What did Bentleys ask?• The current SME
environment– • Business Confidence• Barriers to Growth and success• Start-ups, founders and failures
• Attitudes towards technology–
• Who has adopted the Cloud?• How has the NBN been
received?
• Domestic and International Influences –
• How is the Turnbull Government tracking?
• Brexit and Trump –so what?
• Superannuation and Retirement
• The proposed changes – do you know what is happening?
• Can SME business owners retire comfortably?
• SMEs and Foreign Investment–
• Do SMEs want foreign investment?
• How do SMES get advice on foreign investment
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What is an SME?
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Definitions?
micro: 1-4 employees
small: 5-19 employees
medium: 20-200 employees
Metro – A capital city or its surrounding suburbs
Non-Metro – a non state or territory capital or a regional or remote area
![Page 8: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/8.jpg)
Data Available
Micro
Small
Medium
39%
36%
23%
By Size
Improve profits
Improve cash flow
Improve business value
46%
19%
14%
36%
28%
11%
By Location
Non-metro Metro
![Page 9: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/9.jpg)
The Voice 5 - What did we learn?• Larger SMEs are maintaining greater confidence than
their smaller counterparts• Growth is the goal for the coming year for small and
medium businesses• Willingness to lean on external advice and guidance
greater for larger businesses • Outsourcing is occurring most commonly for accounting
and IT support• SMEs will generally apply technology once they feel it is
needed, rather than proactively implement • Mixed reception to the NBN • Trump, Brexit, Terrorism –not a concern, but market
volatility is• Expectations on Turnbull doing right by SMEs are
generally low • Awareness of proposed changes to Superannuation is
low
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The current SME Environment
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Wave 5
Wave 4
Wave 3
Wave 2
Wave 1
21%
14%
25%
16%
18%
40%
40%
34%
44%
41%
23%
25%
25%
24%
22%
13%
18%
15%
14%
16%
3%
3%
2%
3%
3%
Confidence in business prospects over next 12 months
Extremely confident Somewhat confident Neither confident nor worried
Somewhat worried Extremely worried
Confidence is beginning to recover
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Total
Micro
Small
Medium
Metro
Non-metro
0.207317073170732
0.186746987951807
0.229885057471264
0.226666666666667
0.217391304347826
0.197604790419162
0.402439024390244
0.373493975903614
0.448275862068966
0.413333333333333
0.397515527950311
0.407185628742515
0.234756097560976
0.253012048192771
0.206896551724138
0.226666666666667
0.211180124223603
0.25748502994012
0.125
0.168674698795181
0.0804597701149425
0.08
0.130434782608696
0.119760479041916
0.0304878048780488
0.0180722891566265
0.0344827586206897
0.0533333333333333
0.0434782608695652
0.0179640718562874
Extremely confident Somewhat confident Neither confident nor worriedSomewhat worried Extremely worried
Confidence in business prospects over the next 12 months
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This confidence leads to…likely business action
Acquire new customers
Grow revenue
Grow profits
Hire new staff
Introduce new products or services
Invest in new technology
Invest in new plant or equipment
Invest in marketing/advertising
Exit the industry (e.g., orderly closure or sale)
Introduce new initiatives to support your employee value proposition (e.g., flexible working; staff bonus scheme)
Invest in new premises
Obtain/seek specialised turnaround or restructuring advice
Re-finance
Acquire a new business
Make formal appointment over business (e.g., Administrator/ Liquidator)
None of the above
49%
34%
32%
28%
23%
21%
16%
13%
8%
7%
6%
4%
4%
2%
2%
13%
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This confidence leads to…an opportunity – a touch point
Acquire new customers
Grow revenue
Grow profits
Hire new staff
Introduce new products or services
Invest in new technology
Invest in new plant or equipment
Invest in marketing/advertising
Exit the industry (e.g., orderly closure or sale)
Introduce new initiatives to support your employee value proposition (e.g., flexible working; staff bonus scheme)
Invest in new premises
Obtain/seek specialised turnaround or restructuring advice
Re-finance
Acquire a new business
Make formal appointment over business (e.g., Administrator/ Liquidator)
None of the above
49%
34%
32%
28%
23%
21%
16%
13%
8%
7%
6%
4%
4%
2%
2%
13%
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Trends over time – 12 months
Acquire new customers
Grow profits
Grow revenue
Introduce new products or services
Hire new staff
Invest in new technology
Invest in marketing
Invest in new plant or equipment
Introduce new initiatives to support your employee value proposition (e.g., flexible working; staff bonus scheme)
Invest in new premises
Re-finance
Acquire a new business
Exit the industry (e.g., orderly closure or sale)
Obtain/seek specialised turnaround or restructuring advice
Make formal appointment over business (e.g., Administrator/ Liquidator)
None of the above0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
40%
28%
27%
25%
22%
20%
17%
15%
7%
6%
6%
5%
5%
5%
2%
17%
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Where is this confidence coming from?
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What was wanted from the Budget?
Total
Micro
Small
Medium
Metro
Non-metro
0.230994152046784
0.127272727272727
0.222222222222222
0.436781609195402
0.295698924731183
0.153846153846154
0.37719298245614
0.454545454545455
0.322222222222222
0.28735632183908
0.349462365591398
0.41025641025641
0.391812865497076
0.418181818181818
0.455555555555556
0.275862068965517
0.354838709677419
0.435897435897436
Will the 2016-17 Budget include measures beneficial to business operations?
Yes
I’m not sure
No
![Page 18: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/18.jpg)
What did you get from the Budget?
Total
Micro
Small
Medium
Metro
Non-metro
0.02
0.02
0
0.03
0.02
0.02
0.1
0.06
0.15
0.15
0.12
0.08
0.62
0.64
0.61
0.57
0.63
0.6
0.22
0.23
0.22
0.2
0.2
0.24
0.04
0.05
0.02
0.05
0.03
0.05
The Federal Budget announced in May this year – how has it impacted your business?
A significant positive impact A positive impact No impact A negative impactA significant negative impact
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What affects Confidence?
Recent interest rate cuts
The re-prioritisation of the small business portfolio by the Federal Government
The falling Australian dollar
The Federal Budget announced in May this year
The election of the ‘slim majority’ Turnbull Government
The threat of Australia’s AAA credit rating being downgraded
3%
3%
2%
2%
2%
2%
27%
22%
16%
10%
9%
5%
56%
61%
54%
62%
62%
70%
9%
10%
21%
22%
19%
18%
4%
4%
8%
4%
9%
6%
Attitudes to the impact of Australian political and economic events on business - overall
A significant positive impact A positive impact No impact A negative impactA significant negative impact
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Brexit, Terrorism, Refugees and the US Election
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Attitudes to the impact of international political and economic events
General market volatility
The slowdown of China’s economy
Terrorist activity
The upcoming US elections
Humanitarian issues (e.g., refugee crisis in Europe)
Brexit (UK exit from the European Union)
2%
2%
1%
1%
1%
1%
5%
7%
4%
7%
5%
6%
49%
64%
73%
77%
82%
81%
38%
25%
17%
13%
10%
9%
5%
3%
6%
2%
2%
2%
A significant positive impact A positive impact No impact A negative impactA significant negative impact
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Not much faith in the Turnbull Government
Total
Micro
Small
Medium
Metro
Non-metro
0.0152439024390244
0.0120481927710843
0.0114942528735632
0.0266666666666667
0.0062111801242236
0.0239520958083832
0.149390243902439
0.13855421686747
0.172413793103448
0.146666666666667
0.124223602484472
0.173652694610778
0.38109756097561
0.367469879518072
0.390804597701149
0.4
0.434782608695652
0.329341317365269
0.265243902439024
0.259036144578313
0.275862068965517
0.266666666666667
0.273291925465839
0.25748502994012
0.189024390243902
0.22289156626506
0.149425287356322
0.16
0.161490683229814
0.215568862275449
Expectations of the Turnbull government to address issues af -fecting SMEs
Very high expectations High expectations Neither high nor low expectations Low expectationsVery low expectations
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Not much faith in the Turnbull Government -quotesChaos.
Micro, Brisbane
Constant bickering between the parties over non-significant issues, and not much real action on anything.Micro, other Queensland
Ditching the obsession with same sex marriage and getting on with reducing burdens on small business.Small, other QueenslandI'm afraid not much. The lack of a Senate majority is going to be a significant issue in terms of moving forwards.Medium, other Victoria
Little - no decisions made as majority is too slim.Small, Brisbane
The leader of the country needs to have courage and to have some people not like them for the good governing of this country... turning over leaders and not letting them complete term is a great distraction for polls and ratings only… these people need to be in term for the whole 9 yards to make any small improvement to this country. BTW it is in such disarray it need stability which we have not had the past ten (10) years and I feel we are a laughing stock and not taken seriously on the world stage.Micro, Melbourne
The senate not being an obstruction to the government in getting the budget under control. The Senate to do its job with the Australian economy and what is good for Australia as its focus and get rid of stupid political self interest. Micro, other NSW
They move very little really, every change costs us more for services and goods, then there is more rules and changes to try to keep up with.Micro, other NSW
To follow through with the promises. he needs to go back to the parties conservation roots this will encourage small business. Try and get the company tax cuts through the senate and to push the building regulation policy through.Small, other Queensland
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The life of an SME
![Page 25: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/25.jpg)
Age of the Business
Total
Micro
Small
Medium
Metro
Non-metro
0.173780487804878
0.228915662650602
0.126436781609195
0.106666666666667
0.136645962732919
0.209580838323353
0.301829268292683
0.265060240963855
0.367816091954023
0.306666666666667
0.347826086956522
0.25748502994012
0.524390243902439
0.506024096385542
0.505747126436782
0.586666666666667
0.515527950310559
0.532934131736527
0-4 years 5-10 years 11+ years
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Describes their business as a start-up
Total
Micro
Small
Medium
Metro
Non-metro
0.25
0.27
0.26
0.21
0.3
0.2
0.75
0.73
0.74
0.79
0.7
0.8
Yes No
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Founders and Sole Founders
Total
Micro
Small
Medium
Metro
Non-metro
0.185975609756098
0.265060240963855
0.160919540229885
0.04
0.211180124223603
0.161676646706587
0.277439024390244
0.373493975903614
0.218390804597701
0.133333333333333
0.242236024844721
0.311377245508982
0.536585365853659
0.36144578313253
0.620689655172414
0.826666666666667
0.546583850931677
0.526946107784431
Is the founder of their business
Neither Joint founder Sole founder
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Age of Sole Founders
Total
Micro
Small
Medium
Metro
Non-metro
38.4
4132.8
30.4
3838
![Page 29: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/29.jpg)
Previous involvement in other businesses
10 or more6-94-52-31 only
2%2%
11%
43%42%
The number of businesses previously involved in on a senior/decision-making level
![Page 30: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/30.jpg)
Previous involvement in other businesses that have failed?
No
Yes, after less than 1 year
Yes, after 1-5 years
Yes, after 5-10 years
Yes, after more than 10 years
84%
5%
8%
2%
2%
If that business failed(previously involved in more than one business)
![Page 31: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/31.jpg)
Competition.Small, Queensland
Director of the company taking money out of business and not replacing.Medium, Melbourne
Disinterest of bankers.Micro, SA
Economic downturn.Medium, Hobart
Foreign imports.Micro, Melbourne
Cyclone/fruit flySmall, Queensland
Government contracts that were tendered for not being renewed.Medium, Sydney
GOVERNMENT tariff changes.Micro, Brisbane
Increased government charges and taxes.Micro, Melbourne
Inflation.Micro, Queensland
It went bankrupt and we lost all of our money.Medium, other NSW
Lack of customers.Medium, Darwin
Lack of trade.Micro, NSW
Over extended in technology.Micro, Queensland
Poor management.Micro, Canberra
Slow economy.Medium, Perth
We did not anticipate market change quick enough and faced demand dropped too quickly.Micro, NSW
We moved out of the city area and postal rates were too high.Micro, Queensland
Withdrawal of vital contracts, product not sufficiently developed.Small, Sydney
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Opportunities and Observations
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Risk Management
Total
Micro
Small
Medium
Metro
Non-metro
0.335329341317365
0.207547169811321
0.340909090909091
0.563218390804598
0.359116022099448
0.30718954248366
0.131736526946108
0.106918238993711
0.136363636363636
0.172413793103448
0.138121546961326
0.124183006535948
0.532934131736527
0.685534591194969
0.522727272727273
0.264367816091954
0.502762430939227
0.568627450980392
Yes I’m not sure No
Competitors
Reputation
Information technology reliability
Employee resignation
Having a successor for the business
Premise leasing arrangements (rent)
Banking / financier relationship
Relationships with creditors
Under insurance
0% 10%20%30%40%50%
38%34%
23%21%
14%14%13%13%12%11%
9%8%8%7%7%6%5%
10%
Do you have a formal Risk Management process? The top business risks for SMEs
![Page 34: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/34.jpg)
Extent to which each area of the organisation is challenging and time
consumingThe active daily management of the
business
Accounting
Marketing/PR
Bookkeeping
Administration
IT support
Human resources
48%
35%
23%
21%
18%
17%
16%
51%
22%
14%
26%
21%
19%
8%
Most Challenging
Most time consuming
![Page 35: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/35.jpg)
Describing technology use in the organisation
We are very tech savvy and we proactively look for new and in-novative technology to apply to our business practices
We keep abreast of new technologies relevant to us, but it’s not a core focus of our growth
We want to integrate new techonologies into our business, but don’t have the resources to do so
When we need a new technology solution, we will research and adopt
We don’t take much intereset in new technology and wouldn’t describe ourselves as innovative
13%
40%
10%
17%
20%
![Page 36: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/36.jpg)
Interest in attracting foreign investment
Total
Micro
Small
Medium
Metro
Non-metro
0.0152439024390244
0.0180722891566265
0.0114942528735632
0.0133333333333333
0.031055900621118
0.0457317073170732
0.0240963855421687
0.0344827586206897
0.106666666666667
0.062111801242236
0.029940119760479
0.0945121951219512
0.0542168674698795
0.114942528735632
0.16
0.130434782608696
0.0598802395209581
0.125
0.102409638554217
0.160919540229885
0.133333333333333
0.142857142857143
0.107784431137725
0.719512195121951
0.801204819277108
0.67816091954023
0.586666666666667
0.633540372670807
0.802395209580838
Extremely interested Very interested Moderately interestedSomewhat interested Not at all interested
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Strategies for funding retirement
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Strategies for funding retirement
57% 43%
Has a strategy in place to fund retirement
Yes No
48%52%
Confident in ability to afford their desired lifestyle after retirement
(all respondents, n=328)
Yes No
Rely on my savings
Use income from rent or other investment dividends
Use my age pension
Sell my current house and move into a smaller one (i.e., downsize)
Sell my business
Sell my investments
Buy annuities (lifetime or fixed
Partially sell my business (e.g. find an equity partner)
Use an inheritance
Sell my house and rent instead
Other
0% 10% 20% 30% 40%
38%
35%
28%
25%
21%
19%
13%
11%
10%
3%
9%
Type of strategy for funding retirement
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Level of awareness of the proposed changes to Australia’s superannuation system in the 2016-17 Federal Budget
Total
Micro
Small
Medium
Metro
Non-metro
0.0884146341463415
0.0843373493975904
0.0804597701149425
0.106666666666667
0.118012422360248
0.0598802395209581
0.405487804878049
0.379518072289157
0.413793103448276
0.453333333333333
0.422360248447205
0.389221556886228
0.332317073170732
0.385542168674699
0.298850574712644
0.253333333333333
0.298136645962733
0.365269461077844
0.173780487804878
0.150602409638554
0.206896551724138
0.186666666666667
0.161490683229814
0.18562874251497I have been following this issue closely and know a lot about the proposed changesI am aware that changes are being discussed, and have a rough idea of what they areI have heard that changes are being discussed, but I don’t know much about what they areI didn’t know that there were any proposed changes
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Opinion of the proposed superannuation changes - overall
Introducing a $500,000 lifetime cap for non-concessional contributions
Lowering the superannuation concessional contributions cap to $25,000 per annum
Requiring those with combined incomes and superannuation contributions greater than $250,000 to pay 30 per cent tax on their concessional contributions, up from 15 per cent
Introducing a $1.6 million superannuation transfer balance cap on the total amount of superannuation that an individual can transfer into retirement phase accounts
5%
3%
5%
3%
11%
13%
9%
9%
15%
13%
10%
13%
11%
19%
9%
10%
47%
40%
56%
55%
11%
12%
10%
10%
Extreme impact on me High impact on me Moderate impact on me Some impact on meNo impact on me I'm not sure
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Opinion of the proposed superannuation changes – Introducing a $500,000 lifetime cap for non-
concessional contributions Total
Micro
Small
Medium
Metro
Non-metro
0.05
0.05
0.06
0.04
0.06
0.04
0.11
0.11
0.05
0.2
0.15
0.08
0.15
0.08
0.2
0.24
0.17
0.13
0.11
0.1
0.14
0.11
0.12
0.1
0.47
0.57
0.4
0.32
0.35
0.58
0.11
0.09
0.16
0.09
0.14
0.08
Extreme impact on me High impact on me Moderate impact on me Some impact on meNo impact on me I'm not sure
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Opinion of the proposed superannuation changes –lowering the superannuation concessional contributions cap to $25,000 per annum
Total
Micro
Small
Medium
Metro
Non-metro
0.03
0.04
0.05
0
0.06
0.01
0.13
0.07
0.17
0.2
0.14
0.11
0.13
0.09
0.14
0.21
0.16
0.11
0.19
0.2
0.17
0.16
0.19
0.18
0.4
0.48
0.31
0.33
0.32
0.49
0.12
0.11
0.16
0.09
0.14
0.1
Extreme impact on me High impact on me Moderate impact on me Some impact on meNo impact on me I'm not sure
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Opinion of the proposed superannuation changes - requiring those with combined incomes and superannuation
contributions greater than $250,000 to pay 30 per cent tax on their concessional contributions, up from 15 per cent
Total
Micro
Small
Medium
Metro
Non-metro (n=167)
0.05
0.04
0.03
0.09
0.07
0.03
0.09
0.07
0.1
0.13
0.09
0.1
0.1
0.05
0.14
0.17
0.13
0.08
0.09
0.11
0.06
0.09
0.1
0.08
0.56
0.67
0.51
0.39
0.5
0.62
0.1
0.05
0.16
0.12
0.11
0.09
Extreme impact on me High impact on me Moderate impact on me Some impact on meNo impact on me I'm not sure
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Opinion of the proposed superannuation changes - Introducing a $1.6 million superannuation transfer balance
cap on the total amount of superannuation that an individual can transfer into retirement phase accounts
Total
Micro
Small
Medium
Metro
Non-metro
0.03
0.04
0.01
0.05
0.04
0.02
0.09
0.04
0.11
0.16
0.11
0.07
0.13
0.1
0.13
0.21
0.16
0.1
0.1
0.09
0.09
0.13
0.13
0.07
0.55
0.67
0.48
0.35
0.45
0.64
0.1
0.07
0.17
0.09
0.11
0.09
Extreme impact on me High impact on me Moderate impact on me Some impact on meNo impact on me I'm not sure
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Has implemented The Australian Tax Office’s SuperStream system
Total
Micro
Small
Medium
Metro
Non-metro
0.317073170731707
0.307228915662651
0.35632183908046
0.293333333333333
0.335403726708075
0.29940119760479
0.26219512195122
0.174698795180723
0.28735632183908
0.426666666666667
0.229813664596273
0.293413173652695
0.420731707317073
0.518072289156627
0.35632183908046
0.28
0.434782608695652
0.407185628742515
Yes I'm not sure No
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The impact of implementing SuperStream on business - overall
Savings in time spent on superannuation
Savings in resources allocated to administering superannuation
Other impacts
No impacts
Too soon to tell
26%
10%
2%
38%
25%
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SMSF use
25%
75%
Has an SMSF
Yes No
I manage it myself
Financial adviser
Family member
Friend
Someone else
67%
34%
7%
1%
2%
The person who manages their SMSF
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Working with our clients on their business
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Case study• ‘Client A’ is a service based company• Operating in Perth for 10 years• And they have been a Taxation & Business
services client for 10 years
• The challenge: Falling profits • Our solution: Develop a budget and make a
plan based on the figures
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What is the cash flow story?
By understanding the ‘financial story’ of your business:• Make informed strategies to improve your
business and • Review the impact that changes to key drivers
have on your profit, cash flow and the value of your business.
![Page 51: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/51.jpg)
Profitability KPI’s
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What is the cash flow story?
![Page 53: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/53.jpg)
Business value indicator
![Page 54: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/54.jpg)
Why is a 3-way forecast needed?
• Don’t drive your business blindfolded• Easier to gain funding from a lending institution• Helps in working out what needs to be done to
achieve desired results
![Page 55: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/55.jpg)
3-way forecasting
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3-way forecasting
![Page 57: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/57.jpg)
3-way forecasting
![Page 58: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/58.jpg)
KPI Dashboard
![Page 59: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/59.jpg)
KPI Dashboard
![Page 60: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/60.jpg)
Bentleys Mentoring
• Tell your cash flow story• Get control of your numbers• Make informed decisions• Design a better future for your business
• Inspire, guide and give advice
![Page 61: The Voice of Australian Business - Wave 5](https://reader031.fdocuments.in/reader031/viewer/2022013013/58f062bf1a28abde2c8b461b/html5/thumbnails/61.jpg)
QUESTIONS?