1. 1 SAVING, BORROWING AND PAYING IN FINLAND Spring 2013

2. 2 Coverage 2,399 (aged 15 to 74) Sample is large enough to be reliable Representative random sample, Finland in miniature Time of interviews: February 2013, exactly one year after previous survey Interviewed by: IRO Research Oy © Federation of Finnish Financial Services SURVEY

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

4. 4 SAVINGS AND INVESTMENTS © Federation of Finnish Financial Services Do you hold savings or investments at the moment? ”YES”

5. 5 SAVINGS AND INVESTMENT VEHICLES © Federation of Finnish Financial Services Which of the following vehicles do you hold? % of respondents (n= 2,399 in 2013)

6. 6 SAVING AND INVESTMENT CRITERIA © Federation of Finnish Financial Services How much was your choice of savings or investment vehicle impacted by the following factors? % of respondents (2.399 in 2013)

7. 7 CREDIT SITUATION © Federation of Finnish Financial Services % of respondents (n=2,399 in 2013) Do you hold a loan or credit at the moment?

8. 8 BORROWING PLANS © Federation of Finnish Financial Services Are you planning to take a new loan or credit during the next 12 months? ”YES” % of respondents (n=2,399 in 2013)

9. 9 Source: Federation of Finnish Financial Services: Saving and borrowing in Finland, Spring 2013 HOME LOAN REPAYMENT PERIOD IN 2013 % of home loans taken during the last two years Average repayment periods : 2013: 17.9 years 2012: 17.4 years 2011: 17.8 years 2010: 17.4 years 2009: 18.5 years 2008: 18.8 years 1998: 11 years

10. 10 AVERAGE HOME LOANS © Federation of Finnish Financial Services Respondents who currently have a home loan (n=741 in 2013) € How big is your home loan at the moment?

11. 11 HOW MUCH OF HOME PURCHASE IS FINANCED WITH LOAN, BROKEN DOWN BY LOAN SIZE © Federation of Finnish Financial Services Roughly how many percent of your home purchase was financed with loan?

12. 12 RATIO OF DEBT SERVICE COSTS TO DISPOSABLE INCOME © Federation of Finnish Financial Services Approximately, how many percent of your monthly net income is used for instalments and interest on loans? %, covers those who have loan of any kind (n=1,268 in 2013) or housing loan (n=741 in 2013)

13. 13 CHANGES IN REPAYMENT PLANS © Federation of Finnish Financial Services % of respondents ( n=1,268 in 2013) "Have you repaid the loans according to the original plan or have you made changes to the original repayment plan?"

14. 14 RISK FACTORS IN PERSONAL FINANCES © Federation of Finnish Financial Services Which of the following risk factors do you see as a threat to your financial situation ? % of respondents (n=2,399 in 2013) Breakdown of individual risks:

15. 15 RISKS AFFECTING HOME LOANS © Federation of Finnish Financial Services What risks do you think may affect your housing loan? % of those who see risks that may affect their housing loans (n=140 in 2013)

16. 16 LOANS COVERED BY LOAN INSURANCE © Federation of Finnish Financial Services Are any of your loans covered by payment protection insurance which secures repayment of the loan? % of respondents who have a loan (n=1,268 in 2013) or housing loan (n=741 in 2013)

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

18. 18 PREPARING FOR INTEREST RATE RISES © Federation of Finnish Financial Services 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=741 in 2013)

19. 19 USE OF INTERNET © Federation of Finnish Financial Services Do you use the Internet? % of respondents (n=2,399 in 2013) %

20. 20 TYPICAL WAYS OF PAYING INVOICES © Federation of Finnish Financial Services of respondents (2,399 in 2013) What is the most typical way you pay your invoices?

21. 21 % of respondents (n=2,399 in 2013) CASH WITHDRAWAL WHERE DO YOU MOST OFTEN WITHDRAW CASH FROM? HOW ELSE DO YOU WITHDRAW CASH? 6% of Finns almost never withdraw cash Banking cards suitable for cash withdrawals: 97% of Finns have at least one Even in the age group of 70 years or older, more than 90% have at least one Banking cards suitable for cash withdrawals: 97% of Finns have at least one Even in the age group of 70 years or older, more than 90% have at least one

22. 22 RECEIVING INVOICES ELECTRONICALLY © Federation of Finnish Financial Services % of those who pay invoices online Do you receive e-invoices to your online banking site?

23. 23 APPROACH TO ELECTRONIC INVOICING © Federation of Finnish Financial Services Would you like to get e-invoices to your online banking site? Of those who pay invoices online but do not receive e-invoices (1,273 in 2013)

24. 24 AWARENESS OF ELECTRONIC INVOICING © Federation of Finnish Financial Services Do you know what an electronic invoice is? Of respondents (2,399 in 2013)

25. 25 PAYING FOR DAILY SHOPPING © Federation of Finnish Financial Services How do you pay your daily shopping normally? % of respondents (2,399 in 2013)

26. 26 % of respondents (n=2,399 in 2013) ONLINE SHOPPING HAVE YOU PURCHASED GOODS OR SERVICES ON THE INTERNET?

27. 27 % of respondents who had bought goods or services on the Internet (n=1,653 in 2013) PAYING FOR ONLINE SHOPPING WHICH OF THE FOLLOWING PAYMENT OPTIONS HAVE YOU USED WHEN SHOPPING ONLINE?