User Guide - Commonwealth Bank of Australia
Contents
1. Alternatively you can email the BetterBusiness Insights team at businessinsights cba com au DISCLAIMER This report has been produced by Commonwealth Bank of Australia ABN 48 123 123 124 based on information available at the time of publishing We believe that the information in this report is correct and any opinions conclusions or recommendations are reasonably held or made at the time of its compilation but no warranty is made to accuracy reliability or completeness To the extent permitted by law neither Commonwealth Bank of Australia nor any of its subsidiaries accept liability to any person for loss or damage arising from the use of this report No person should act on the basis of this report without considering and if necessary taking appropriate professional advice upon their own particular circumstances We are under no obligation to and do not update or keep current the information contained in this report Past performance is not a reliable indicator of future performance If you receive this report in error please do not use or disclose the contents please delete and destroy all copies How to request a Better us ness Insights Report Screenshot Access link on CommBiz interface A CommBiz I Print Page ommbiz P Broadcast Messages sage found displaying 1 1 Date Message 10 12 2009 CommBiz is available throughout the Christmas period although the Bank will not be processing payme2. User Guide Contents Welcome to the new Better usiness Insights Report 3 4 How to request a BetterSusiness Insights Report 9 6 BetterSusiness Insights Report key sections 7 9 Frequently asked questions 10 14 Chart definitions 15 20 Welcome to the Better ws ness Insights Report The BetterBusiness Insights Report collates industry merchant analysis catchment and Australian economic data in a single report that is tailored for your business It offers you the information to better understand and anticipate trends in the market understand your customers anticipate changes in your operating environment and stay up to date with key issues and insights The report is provided free of charge to you through CommBiz This User Guide is divided into four sections that will help you get the most out of the BetterBusiness Insights Report 1 How to request the Includes detailed instructions on how to BetterBusiness Insights Report access the report through CommBiz 2 BetterBusiness Insights Report Summarises the main sections of the report Key Sections and how they relate to your business Contains answers to our most commonly 3 Frequently asked questions encountered questions Provides detailed definitions for all charts 4 Chart definitions included in the report DISCLAIMER This report has been produced by Commonwealth Bank of Australia ABN 48 123 123 124 based on information availa
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4. reliability or completeness To the extent permitted by law neither Commonwealth Bank of Australia nor any of its subsidiaries accept liability to any person for loss or damage arising from the use of this report No person should act on the basis of this report without considering and if necessary taking appropriate professional advice upon their own particular circumstances We are under no obligation to and do not update or keep current the information contained in this report Past performance is not a reliable indicator of future performance If you receive this report in error please do not use or disclose the contents please delete and destroy all copies CAN Frequently Asked Questions System and technical 14 Do need to install any software or hardware to access the BetterBusiness Insights Report As long as you have an existing Internet connection and access to your CommBiz service you should be able to request and access the BetterBusiness Insights Report The Report file is delivered in PDF format If you are unable to open the file on your computer you must install a PDF reader on your system available for free from www adobe com products reader html 15 Can I view the Report on my tablet or other mobile device Yes iPad users are able to view PDF files as attachments in the Mail application or through a dedicated PDF reader Users of Android based tablets should ensure that they have installed a PDF reader in
5. 6 12 months to allow enough time for new data to provide a meaningful analysis of your business environment Industry data from IBISWorld Bi annually timing varies by industry Merchant Analysis data Mid month Australian economic data Weekly Frequently Asked Questions Report data and security cont d 10 What do the some of the terms in the industry data mean Constant prices The dollar figures in the Key Statistics table including forecasts are adjusted for inflation using 2012 13 as the base year This removes the impact of changes in the purchasing power of the dollar leaving only the real growth or decline in industry metrics The inflation adjustments in IBISWorld s reports are made using the Australian Bureau of Statistics implicit GDP price deflator Employment The number of working proprietors partners permanent part time temporary and casual employees and managerial and executive employees Enterprise A division that is separately managed and keeps management accounts The most relevant measure of the number of firms in an industry Industry concentration IBISWorld bases concentration on the top four firms Concentration is identified as High Medium or Low High means the top four players account for over 70 of revenue Medium is 40 70 of revenue Low is less than 40 Industry revenue The total sales revenue of the industry at the end of the Financial Year including sales exclusive
6. a focused guide on the Merchant Analysis section of the report which is where you will find comprehensive information that leads to insights on your business performance your competitors performance and your customer base CAN Better usi ness Insights Report Key Sections 01 Industry Clothing Retailing Merchant Analysis Go Sir gt n PILE Tia Key message Understand your industry key challenges and growth outlook Benchmark comparison with competitors and gain an insight into customers Understand the geographic segments of customer business including population and employment 04 Australian Economy Tw Thermo Phra cite Boon Wear barre rendere b pota Australian Economy gt sea Understanding drivers of the local economy Chart data and key insights Key issues and success factors Challenges facing industry players Turnover growth and employment statistics Industry target market Analyse sales growth and monthly transactions for merchant data compared to industry competitors Gain insights into customer demographics loyalty and spend patterns Review population and employment insights for the catchment Understand resident and working population profiles Determine the impact of fiscal and monetary policy on your business CAN Merchant Analysis Guid
7. respective range below to view transaction history 2 messages found displaying 1 2 Date 12 01 2010 4 21 57 PM 12 01 2010 4 19 18 PM 2mess ges found displaying 1 2 Account number Available Balance 389210080123 loading 301011270611 loading Account name RADFORD LEGAL Lococo Legal Services Law Practice Trust Account Bartram Lawyers Pty Ltd IAN BENJAMIN AND CO Last 30 days Account type Solicitors Trust Account Solicitors Trust Account Solicitors Trust Account 310310233380 loading Solicitors Trust Account 325410068935 loadina Last 15 days Last 45 days Click here for more options gt Messages a Today s Transactions x 3 unread messages Kea No Transactions Today Outstanding Verifications Outstanding Transactions Service Requests No Outstanding Yerifications Direct Credit No Open Requests Service Name Legal Services Board Change Useful links o I want to Change my password You are in the office Change Find out more CommBiz CommBiz Markets CommSec Colonial First State Commonwealth Bank Research Asset Finance Receivables Finance Business Sales Indicator gt TradeXchange v Two ways to access the report 1 Click on the BetterBusiness Insights Report menu option on the right hand side of the screen or 2 Choose Business Intelligence from the Functions tab at the top of the scree
8. Bank cardholders both debit and credit cards that transact on CommBank merchant terminals As a result the Analysis will not represent some transactions e g Transactions by non CommBank cardholders and some competitors e g those that are not clients of CommBank s merchant terminal services In some cases you will not receive the Merchant Analysis as part of the Report Here are some possible reasons for this Insufficient transaction data you have not maintained CommBank merchant terminal facilities settling to a CommBank account for at least 6 months at the time of requesting the Report with sufficient transactions to analyse The Nominated e mail address you supplied in the request screen did not match your e mail address recorded in CommBiz Not enough competitors or benchmark data exists to make a meaningful analysis e g in a monopoly or duopoly type setting For detailed explanations on the charts in the report refer to the Chart definitions section on pages 15 20 of this document Contact your Relationship Executive or Relationship Manager should you require any assistance CAN Frequently Asked Questions General information 1 What is the BetterBusiness Insights Report and why is it valuable for your business The BetterBusiness Insights Report collates industry merchant analysis catchment and Australian economic data in a single report that is specific to your business It offers you t
9. Income Distribution and Dwelling Value Household Income Distribution compared to benchmark Chart left depicts the percentage vt cia Resident change of household income distribution low average high very high compared to national I Son Population average benchmark i sm i Profile 25 al j g Cultural Distribution compared to benchmark Chart right depicts the percentage change of ORE TIA a EE cultural groups compared to the national average benchmark a e See Age Income and Gender Distribution o Age and Income Chart left depicts combinations of age band Young Older and income 50 EE ae Working di p classification Low Average High as percentages of the total catchment population 2 50 Population Mi a E compared with the national average Ma ta 2 Profile Varg 7 omg Wang Cer Cider Older Gender Distribution Chart right depicts the percentage distribution of gender in the PR SAVER ae catchment area compared with the national average Working Population by Occupation Z Working Population by Occupation Working Population by Occupation Chart top depicts the percentage distribution of the cca RT a i A E working population by occupation within the catchment area compared with the national o u E u a A M mr average Working Working Population by Industry Population The bottom chart depicts the percentage of working population by industry ete ST 134 ies Profile ria
10. are ordered highest to lowest totalling 100 Chart Definitions Merchant Analysis Payments Percentage Growth versus Industry Competitors Percentage Growth versus Industry Competitors since Juk 2011 Chart depicts three monthly merchant terminal sales percentage growth compared to a Sales Growth baseline quarter sales 50 and Monthly Transactions IM Merchant performance is compared to the competitive set Aug 2011 Now2011 Feb 2012 May 2012 Your Growth Competitors Growth Monthly Sales versus Industry Competitors Chart depicts the percentage of total merchant terminal sales value for each month and the percentage of total merchant terminal transactions transaction volume for each month Sales Growth and Monthly Transactions Merchant performance is compared to the competitive set This data can be used to view seasonality of sales across a 12 month period JW Ag Sep Oct Now Dec Jan Feb Mr Ape Mey Jun 2011 2011 2011 2011 2011 2011 2012 2012 2012 2012 2012 2012 E Your Estimated Volume S Competitors Estimated Volume O Your Estimated Sales gt Competitors Estimated Sales Merchant versus Industry Competitors senna Chart depicts the percentage of each merchant terminal method of payment over 12 months ard Type MasterCard Merchant performance is compared to the competitive set E Commercial amp ner Relative Size of your Business to Industry Competitors Relative Size of your Busi
11. ble at the time of publishing We believe that the information in this report is correct and any opinions conclusions or recommendations are reasonably held or made at the time of its compilation but no warranty is made to accuracy reliability or completeness To the extent permitted by law neither Commonwealth Bank of Australia nor any of its subsidiaries accept liability to any person for loss or damage arising from the use of this report No person should act on the basis of this report without considering and if necessary taking appropriate professional advice upon their own particular circumstances We are under no obligation to and do not update or keep current the information contained in this report Past performance is not a reliable indicator of future performance If you receive this report in error please do not use or disclose the contents please delete and destroy all copies Welcome to the Better ws ness Insights Report Your Relationship Executive or Relationship Manager is your key contact for any information or assistance you require regarding the BetterBusiness Insights Report including but not limited to Questions you may have about the report and its data Technical issues in accessing the report Feedback on the report In addition to being available to assist you your Relationship Executive or Relationship Manager will welcome the opportunity to discuss the BetterBusiness Insights Report with you
12. ce CAN Frequently Asked Questions Requesting the Report 6 How do I request a BetterBusiness Insights Report You can request a copy of the BetterBusiness Insights Report through CommBiz Please refer to the section of this guide titled How to request a BetterBusiness Insights Report on page 6 of this guide Report data and security 7 Where does the data come from There are multiple sources of data Industry data Based on information from IBISWorld who is Australia s largest provider of industry based research Merchant Analysis data Sourced from businesses within the competitive set who have CommBank merchant terminal facilities Customer demographics data Sourced from CommBank cardholders transacting on CommBank merchant terminals Population data Sourced from the Australian Bureau of Statistics ABS Australian economic data Sourced from CommBank Economic Analysis gt gt 8 What is a competitive set A set of companies in similar industries and similar locations to form a basis of comparison for your business performance The industry is what is recorded in the CommBank merchant system 9 How often is the data in the BetterBusiness Insights Report updated You can access the report mid month to find new Merchant Analysis data However given the Report collates data from multiple sources the data is updated according to the table below We recommend requesting a Report every
13. chant transactions volume by demographic Background i of Value percentage of annual merchant transaction value by demographic Avg per Trans the average spend per transaction by demographic Customer Loyalty The top table identifies repeat business from CommBank cardholders as defined by repeat business at a singular merchant terminal The bottom table identifies cardholders who transact across any of the client s merchant terminals over 12 months of Customers percentage of unique CommBank card holders who transact at the Loyalty merchant terminal by annual patronage sorted from high to low of Volume percentage of annual merchant transaction volume by annual patronage of Value percentage of annual merchant transaction value by annual patronage Avg per Trans the average spend per transaction by annual patronage say s se s A i e Dys 2534 ys 3549 ys 50 64 ys gt Otys I Tirri Value Arnage Spend per Customer Acnge Spend per Transaction wo su Das Consumer Profile amp z z 5 gt Multi cultural Households High Income Professional Households Households Wealthy Young Multi cultural Singles Young High Income Singles Low Income Singles Young High Income Families Medium Income Households esescesesce ii Do you have many repeat customers Note If you have only one store then both tables will be lentical Repeat customers at same locat
14. e In this section your merchant data is compared to a series of companies called the competitive set to provide an overview of your business performance vs that of your competitive set This section aggregates transaction data and presents a summary of basic demographics spending behaviour and loyalty figures i e repeat business for your customer base This section aggregates transaction data and presents summary information about your customer base specific to their family composition and geographic location Confidentiality of CommBank Customer Proprietary Information We present information in aggregated summary format often only in percentages to ensure we comply with our privacy and confidentiality obligations In concentrated industries or locations information may not be disclosed All data provided to Commonwealth Bank clients through the report s Merchant Analysis is aggregated by industry and location without any indication of individual merchants transactions and performance The competitor and customer data used in the Merchant Analysis is based on client and transaction data present in CommBank s system The competitive set is a series of companies in similar industries and locations that form a basis of comparison for your business performance This is based on data aggregated from companies that are also merchant clients of CommBank The Merchant Analysis uses transaction data from Commonwealth
15. ealth Bank business clients through the BetterBusiness Insights Report s Merchant Analysis are aggregated by catchment and industry without any indication of individual merchants transactions and performance 13 Why does the data published in the Report seem to differ from my understanding of my business performance Please contact your Relationship Executive or Relationship Manager should you have any concerns about how the BetterBusiness Insights Report aligns with your understanding of your business performance Please note that the Merchant Analysis section provides an indication of relative performance only It is important to understand that the data used to generate this analysis only covers card transactions completed by CommBank cardholders on CommBank merchant terminals The Merchant Analysis Guide see page 9 of this document provides examples of data that the BetterBusiness Insights Report does not cover which may contribute to perceivable difference between the Merchant Analysis and your overall business performance The BetterBusiness Insights Report is subject to the following disclaimer This report has been produced by Commonwealth Bank of Australia ABN 48 123 123 124 based on information available at the time of publishing We believe that the information in this report is correct and any opinions conclusions or recommendations are reasonably held or made at the time of its compilation but no warranty is made to accuracy
16. h dropdown list and tick the boxes to indicate which additional documents you would like included 2 Enter a valid email address and submit 3 The report will be emailed to the nominated email address within two business days The Merchant Analysis Section of the Report will not be generated if You do not have CommBank merchant terminal facilities settling to a CommBank account There is less than 6 months of data or an Insufficient number of transactions There are insufficient competitors to provide a meaningful analysis The nominated e mail address you provided does not match the one on record in your CommBiz account CAN Better usi ness Insights Report Key Sections Overview Page 8 of this document summarises the key sections of the BetterBusiness Insights Report and examples of some insights that can be gleaned from these sections In addition to the key sections there are other sections you can opt to include as part of your customised BetterSusiness Insights Report Tips and tricks for a BetterBusiness contains information that can help you maximise your business success including managing cash flow managing risk planning and staff management Federal and state government agencies is a directory of government organisations that can provide information on matters such as legislation government grants staff issues trademarks and other business topics Page 9 of this document is
17. he information to better understand and anticipate trends in the market understand your customers anticipate changes in your operating environment and stay up to date with key issues and insights 2 What are the benefits to me in using this Report The Report provides you with insights that only Commonwealth Bank can provide 1 A service to support development of your business strategy 2 Powerful new insights on your customer base age gender spending habits 3 Benchmark your performance 3 What if I do not have merchant terminal facilities with CommBank Can I still use this Report Yes Although the Report will not contain the Merchant Analysis section the Industry Catchment and Australian Economy sections will provide useful insights on your business environment Contact your Relationship Executive or Relationship Manager if you would like a sample version of the BetterBusiness Insights Report including a full Merchant Analysis section Fees and charges 4 How much does the BetterBusiness Insights Report cost The report is provided free of charge to you through CommBiz If you would like a copy of the Report but are not subscribed to CommBiz please contact your Relationship Executive or Relationship Manager 5 What if I am interested in having further analytics performed as a service Please contact your Relationship Executive or Relationship Manager to enquire about our Client Analytics service Note this is a fee based servi
18. ion of Customers of Volume of Value Avg per Once off only 67 Repeat 2 4 times Repeat 5 15 times Repeat gt 15 times customers at of of Customers of Volume of Value fe Repeat any of your per Once off only n 14 1 0 Chart Definitions Customer Location and Family Distance from Store Estimated Family Composition of your Customers Top Catchments Top Postcodes Customer Travel Distance Chart depicts the percentage split of unique CommBank card holders by distance from their place of residence and the merchant Represents 12 months of data 3 3 0 lt 7kn 7 15km 15 30km 30 50km gt SOkm Customer Travel Distance MM of Customers M of Spend Estimated Family Composition of your Customers Customers Chart left depicts the estimated percentage by family composition of unique CommBank card holders who transact at the Merchant Sales Value by Family Composition Chart right depicts the estimated percentage of CommBank card holders sales value at the Merchant by family composition Supporting data table presents average spend per unique CommBank card holder and Sales Value by Family Composition 4 rea i ui Family of Customers Avg Spend per Cust Avg Spend perTrans average spend per transaction for a CommBank card holder by family composition nce thet DI n Data captured at the merchant terminal over 12 m
19. n How to request a Better us ness Insights Report Screenshot Complete BetterBusiness Insights order form BetterBusiness Insights Contact Us Site Map endless 0005392 BetterBusiness Insights Service ID 100136191 Service Name Legal Services Board Change The BetterBusiness Insights Report is published solely for information purposes and is provided free of charge It has been developed to provide insights of specific markets and industry trends in those markets To view a sample copy of the BetterBusiness Insights Report please click here To obtain a copy of the BetterBusinessInsights Report User Guide please click here State Select v Catchments Industry Category Select v Industry Please tick to include Tips and Trick for a BetterBusiness ClList of Relevant Federal and State Government Agencies Cl Merchant Transaction Analysis Conditions apply please refer to the BetterBusiness Insights Report User Guide Nominated Email Address Cl Receive marketing information from Commonwealth Bank C Cancel _ As the information on this website has been prepared without considering your objectives financial situation or needs you should before acting on the information consider its appropriateness to your personal circumstances See Better Business Insight Report User Guide for further details To generate a report Choose the appropriate entry from eac
20. ness to Industry Competitors within 26km Radius Chart depicts the merchant terminal sales over 12 months compared to industry competitors within a specific geographic region The percentage of competitors with sales significantly less less similar greater and Di significantly greater sales when compared to the merchant are shown across the scale Competition Significanti Less Sales Similar Sales Greater Sales Significantty Less Sales Greater Sales Chart Definitions Customer Demographics and Loyalty Customers by Age Group and Gender Icons depict male and female customer base split who are using their CommBank card to LELE undertake transactions at the merchant Demographics Chart depicts percentage of unique customers who transacted at the merchant by age group over 12 months Percentage Value and Average Spend Chart depicts percentage representation of total sales by customer age group of seid CommBank card holders at the merchant over 12 months pen The average annual spend and average spend per transaction at the merchant are plotted by age group for CommBank card holders Customer Profile Consumer profiles are defined by Consumer Profile definitions in the Report Appendix l of Customers percentage of unique CommBank card holders from each ABS Socio recognised demographic that transact at the merchant terminal sorted from high to low economic of Volume percentage of annual mer
21. nts due on 11 26 01 AM Christmas Day 25 December 2009 Boxing Day Holiday 28 December 2009 and New Year s Day 1 January 2010 Please take the time to prepare and schedule your payments in advance of these dates We wish to extend our best wishes to our customers for the festive season and the coming year je found displaying 1 1 Accounts Summary Select the account and the respective range below to view transaction history Account number Available Balance 123113010251701 A Account name ASB Dry Run Account No 70 Account type Non CBA Account NZD B O ASB Dry Run Account No 70 Non CBA Account 123113010251700 us NZD CBA ABN Amro Account EUR Non CBA Account 0610415123 Last 15 days Last 30 days Last 45 days Click here for more options Messages No Unread Messages Today s Transactions No Transactions Today og Contact Us Site Map Functions M 2999928 User Name Christine Bell Verification Service una links o want to Change my password You are in the office Change Find out more Ul CommBiz CommBiz Markets CommSec Colonial First State Commonwealth Bank Research Asset Finance Reces Indicator gt IradeXchange BetterBusiness Insights fd Home Broadcast Messages Serice Requests Stop Cheques Bus fgfdgfd test messag Select the account and the
22. of excise and sales tax of goods and services plus transfers to other firms of the same business plus subsidies on production plus all other operating income from outside the firm such as commission income repair and service income and rent leasing and hiring income plus capital work done by rental or lease Receipts from interest royalties dividends and the sale of fixed tangible assets are excluded Target market Refers to the major market segments defined by industry or customer groups to which this industry caters 11 Why does my copy of the BetterBusiness Insights Report not include a Merchant Analysis section There are a few possible reasons for this 1 There is insufficient data to generate the Merchant Analysis section you must be an existing client of CommBank s merchant services for at least 6 months at the time of requesting the Report provided there are sufficient transactions to analyse 2 The Nominated e mail address you supplied in the request screen did not match your e mail address recorded in CommBiz Not enough competitors or benchmark data exists to make a meaningful analysis e g in a monopoly or duopoly type setting 4 Your merchant services must settle with the Commonwealth Bank to be eligible for this report oO CAN Frequently Asked Questions Report data and security cont d 12 Can competitors and or other companies see my business data No All data provided to Commonw
23. onths Where your Customers Live PRE TTI Chart depicts where the Merchant s customers live residential suburb for 12 months data Percentage of unique CommBank card customers Percentage of merchant transaction value Percentage of merchant transaction volume 3 0 Mentone NottingHill BoxHill Dandenong MelbourneCBD E ofCustomers IM of Value MM of Wiume Top Postcodes Chart depicts CommBank card holders by residential suburb and postcode for 12 months data Percentage of unique CommBank card holders who transacted at the merchant terminal Percentage of annual merchant terminal transaction volume Percentage of annual merchant terminal transaction value Average of each transaction value ofVolume of Value gog Ld 14 14 35 11 11 33 14 13 32 9 10 35 11 10 32 10 9 29 10 10 30 7 7 33 7 6 31 7 8 38 z Chart Definitions State and Catchment Overview Business Profile Top Catchments Chart depicts the top five catchment areas where businesses trade as a percentage of total businesses in the state The chart distinguishes the split of businesses with greater or less than 2 million dollars annual sales 20 8 Sales gt 2mi Sales lt 2mil J Top Industries Top Industries Chart depicts the top five industries in the state as a percentage of total business industries B Sie Semi Busine
24. order to view the BetterBusiness Insights Report The Report also can be accessed through any smartphone that can open PDF files However for maximum readability we recommend accessing the Report through devices with larger screens Further information 16 How can I get additional assistance provide feedback or discuss any questions on the BetterBusiness Insights Report Please contact your Relationship Executive or Relationship Manager should you require any assistance on the BetterBusiness Insights Report including but not limited to Questions you may have about the Report and its data Technical issues in accessing the Report Feedback on the Report Alternatively please email BusinessInsights cba com au Chart Definitions Industry Overview Revenue Growth Chart depicts growth in total industry revenue as a percentage calculated from June 2008 as baseline and forecasted out to 2015 Revenue Data is sourced from IBISWorld industry revenue and is based on financial year June end data Market Segmentation Chart depicts percentage split of total industry revenue by target market and represents current financial year data sourced from IBISWorld Target Market Target market categories can be defined by industry categories for business to business enterprises and age group for business to customer enterprises AA Tab eames gsi Ganaregeny gad Rn nase to 28 1043 44 1 65 in 2009 Customer groups
25. ss in the state i e 25 of all NSW businesses operate in Property and Business Services 25 Profile e i 1 A p ra el ssa The chart distinguishes the split of industries with greater or less than 2 million annual U Preeyend 7 E Comteten G Rati ad Agire 7 X Fnmoosni sales ia dana Unemployment Trend Unemployment Trend 10 3 Chart depicts the state unemployment and the catchment area unemployment over six Financial ai siii cain i Health months 5 Indicators 0 Feb 2012 Mar 2012 Apr 2012 May2012 Jun 2012 Jul 2012 Dandenong and Gippsland Unemployment 0 VIC Unemployment Estimated Sales and Transaction Volume for Merchants in this Catchment soy mm ee ni meet voli or marche cachet Financial Chart depicts estimated sales and transaction volume in millions for merchants in this o sasa Health catchment over six months A n f Indicators 160 337 Mar 2012 Apr 2012 May 2012 Jun 2012 Jul 2012 Aug 2012 Dandenong and Gippsland Sale Volume gt Dandenong and Gippsland Merchant Sale Value m CAN Chart Definitions Catchment Key Statistics Estimated Population by Age Resident Chart depicts percentage total catchment population by age group Population The percentage of catchment population by age group is compared to the national average TA 7 Profile benchmark of people in the same state and region type metro major regional or regional edi bi cis D ik Household
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