1. Saving, borrowing and paying in Finland Spring 2011

2. Survey >Coverage -2,407 ( aged 15 to 74 ) >Sample is large enough to be reliable >Representative random sample, Finland in miniature >Time of interviews: February 2011, exactly one year after previous survey >Interviewed by: IRO Research Oy 1st June 2011 © Federation of Finnish Financial Services 2

3. Current financial situation Which of the following statements describes your financial situation? © Federation of Finnish Financial Services

4. Savings and investment Do you hold savings or investments at the moment? ”YES” © Federation of Finnish Financial Services

5. Savings and investment vehicles Which of the following vehicles do you hold? % of respondents (n= 2,407 in 2011) © Federation of Finnish Financial Services

6. Saving and investment criteria How much was your choice of savings or investment vehicle impacted by the following factors? % of respondents (2.407 in 2011) © Federation of Finnish Financial Services

7. Credit situation % of respondents (n=2,407 in 2011) Do you hold a loan or credit at the moment? © Federation of Finnish Financial Services

8. Borrowing plans Are you planning to take a new loan or credit during the next 12 months? ”YES” % of respondents (n=2,407 in 2011) © Federation of Finnish Financial Services

9. Housing loan repayment period, 2011 What was the original repayment period of your housing loan? % of housing loans taken during the last two years (n=220 in 2011) © Federation of Finnish Financial Services

10. Average home loans Respondents who currently have a home loan (n=714 in 2011) € How big is your home loan at the moment? © Federation of Finnish Financial Services

11. How much of home purchase is financed with loan, broken down by loan size "Roughly how many percent of your home purchase was financed with loan?" © Federation of Finnish Financial Services

12. Ratio of debt service costs to disposable income Approximately, how many percent of your monthly net income is used for installments and interest on loans? %, covers those who have loan of any kind (n=1193 in 2011) or housing loan (n=714 in 2011) © Federation of Finnish Financial Services

13. Changes in repayment plans % of respondents (n=1,193 in 2011) "Have you repaid the loans according to the original plan or have you made changes to the original repayment plan?" © Federation of Finnish Financial Services

14. Risk factors in personal finances Which of the following risk factors do you see as a threat to your financial situation ? % of respondents (n=2407 in 2011) © Federation of Finnish Financial Services

15. Risks affecting home loans What risks do you think may affect your housing loan? % of those who see risks that may affect their housing loans (n=94 in 2011) © Federation of Finnish Financial Services

16. Loans covered by loans insurance Are any of your loans covered by payment protection insurance which secures repayment of the loan? % of respondents who have a loan (n=1193 in 2011) or housing loan (n=714 in 2011) © Federation of Finnish Financial Services

17. Interest rate cap Do you have an interest rate cap on your loan to ensure interest payments stay within agreed limit? Are you going to have your interest rate capped to protect against rate rises above agreed? © Federation of Finnish Financial Services

18. Preparing for interest rate rises Are you prepared for possible interest rate rises which would raise the cost of servicing your housing loan? % of respondents who have a housing loan (n=714 in 2011) © Federation of Finnish Financial Services

19. Use of internet Do you use internet? % of respondents (n=2407 in 2011) % © Federation of Finnish Financial Services

20. Typical ways of paying bills © Federation of Finnish Financial Services of respondents (2407 in 2011) What is the most typical way you pay your bills?

21. Receiving bills electronically % of those who pay bills on the web Do you receive e-bills to your online banking site? © Federation of Finnish Financial Services

22. Approach to electronic billing Would you like to get e-bills to your online banking site? Of those who pay bills online but do not receive e-bills (1456 in 2011) © Federation of Finnish Financial Services

23. Awareness of electronic billing Do you know what an electronic bill is? Of respondents (2407 in 2011) © Federation of Finnish Financial Services

24. Paying for daily shopping How do you pay your daily shopping normally? of respondents (2407 in 2011) © Federation of Finnish Financial Services