Navike po pitanju štednje - pregled po zemljama
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The document provides an overview of survey results from 2014 investigating saving behaviors in 7 countries. Key findings include: - Most respondents said saving is important, though satisfaction levels with current savings amounts varied significantly between countries. - Common savings products included savings accounts, pensions, and life insurance. Usage of these products was stable compared to 2013. - Monthly savings amounts ranged from €35-€188 on average across countries. - Main motivations for saving were financial security, retirement provision, and ability to afford future purchases. Motivations were largely consistent with 2013 trends.
Navike po pitanju štednje - pregled po zemljama
- 1. THE SAVINGS BEHAVIOR COUNTRY OVERVIEW a representative survey among the general population 15+ September 2014
- 2. Survey design 1 Research aim The present report provides an overview on the results of the 2014 Savings Research, investigating in 7 countries people’s behavior, attitudes, motives and strategies in regard to saving. Detailed results per country are available in separate reports. Method/ Sample • telephone interviews, nationwide • representative for the bankable population, aged 15+ years Sample size Austria: n = 900 Croatia: n = 500 Czech Republic: n = 500 Serbia: n = 500 Slovak Republic: n = 501 Hungary: n = 500 Romania: n = 515 Timing Interviewing took place in September 2014. Trend developments are shown compared to the survey in September 2013. Contact Research Director Ansgar Löhner Tel: 0043/ 732 77 22 55 - 208 mob.: 0043/ 676 9164650 loehner@imas.at Project Executive Astrid Heinrich Tel: 0043/ 732 77 22 55 - 217 heinrich@imas.at
- 3. The importance of saving 2 Question 1: "First in general, how important do you personally assess 'putting money away'? Would you say, 'putting money away' is for you –" % Austria Czech Republic General population 15+ in - Slovak Republic Hungary Romania Croatia Serbia (n=901) (n=500) (n=501) (n=500) (n=515) (n=500) (n=500) Putting money away is - Very important - 1 Rather important - 2 Only somewhat important - 3 Of minor importance - 4 Not important at all - 5 38 43 7 6 6 37 35 16 7 5 30 39 16 7 9 21 50 18 4 8 57 30 7 4 1 27 49 15 6 4 43 34 15 3 5 Average 2,1 2,3 2,3 1,6 2,0 2,1 1,9
- 4. The importance of saving - Trend 3 Question 1: "First in general, how important do you personally assess 'putting money away'? Would you say, 'putting money away' is for you –" General population 15+ in - +/- Diff. to 2013 % Austria Czech Republic Slovak Republic Hungary Romania Croatia Serbia Putting money away is - Very important - 1 -1 +2 -1 -2 -1 -4 +3 Rather important - 2 +1 +2 +1 +7 -2 +2 +0 Only somewhat important - 3 -2 -1 +3 -4 -1 +0 +0 Of minor importance - 4 +1 +0 -1 +0 +3 +2 -4 Not important at all - 5 +1 -2 -1 -1 +1 +1 +1 Average +0,1 -0,1 +0,0 -0,1 +0,1 +0,1 -0,1
- 5. The Top 3 used savings products 4 Question 2: "What about you, which of the following savings-products do you personally use? Do you personally have a -" Austria Czech Republic Slovak Republic % Base: General population 15 + (n=901) (n=500) (n=501) Savingsbook, -card Gonvernment endorsed pension insurance Savingsaccount Building savings Life insurance, capital assurance Life insurance, capital assurance Life insurance, capital assurance Building savings Government endorsed pension saving Hungary Romania Croatia Serbia (n=500) (n=515) (n=500) (n=500) Life insurance, capital assurance Gold or other precious metals Savingsbook, -card, -account Life insurance Savingsbook, - card, - account Life insurance Life insurance Fixed deposit saving Government endorsed pension insurance Term deposits Building savings A vista Optional pension Saving products are personally used: 78 65 40 55 49 45 53 49 41 34 32 14 26 24 18 18 43 15 13 9 9 7
- 6. The Top 3 used savings products - Trend 5 Question 2: "What about you, which of the following savings-products do you personally use? Do you personally have a -" +/- Diff. to 2013 Austria Czech Republic Slovak Republic % Saving products are personally used: Base: General population 15 + Savingsbook, -card -3 Gonvernment endorsed pension insurance +1 Savingsaccount +4 Building savings -1 Life insurance, capital assurance +2 Life insurance, capital assurance +2 Life insurance, capital assurance -1 Building savings -2 Government endorsed pension saving +2 Hungary Romania Croatia Serbia Life insurance, capital assurance -1 Gold or other precious metals *) Savingsbook, -card, -account +4 Life insurance +0 Savingsbook, - card, - account -4 Life insurance +4 Life insurance +1 Fixed deposit saving +0 Government endorsed pension insurance -2 Term deposits +2 Building savings +1 A vista -1 Optional pension +5 *) Not asked before
- 7. Current monthly average savings amount 6 Question 3: "And how much money do you currently put away? If you do not have a monthly savings plan, please convert it to monthly. Would you say you currently save per month -" +/- Diff. to 2013 Savers in - Austria 188 € +7 € - - Czech Republic 75 € -6 € 2 054 CZK -24 CZK Slovak Republic 96 € +6 € - - Hungary 49 € +0 € 15 396 HUF +627 HUF Romania 41 € +1 € 181 RON +2 RON Croatia 60 € +2 € 457 KN +25 KN Serbia 35 € -1 € 4 200 RSD +15 RSD *) Average exchange rate past 12 months Average in EUR Average in local currency *) *) *) *) *)
- 8. Satisfaction with current savings amount 7 Question 4: "Are you satisfied with the amount you currently are able to save or not? Would you say you are –" % Austria Czech Republic Slovak Republic Savers in - Hungary Romania Croatia Serbia (n=856) (n=456) (n=447) (n=370) (n=358) (n=343) (n=300) With current savings amount - Very satisfied - 1 Rather satisfied - 2 So so -3 Less satisfied - 4 Not at all satisfied - 5 18 28 28 20 6 9 34 30 14 12 9 24 20 17 30 8 18 23 21 31 6 16 28 18 31 5 27 23 24 22 5 17 15 33 29 Average 2,7 2,9 3,3 3,5 3,5 3,3 3,6
- 9. Satisfaction with current savings amount - Trend 8 Question 4: "Are you satisfied with the amount you currently are able to save or not? Would you say you are –" Savers in - +/- Diff. to 2013 % Austria Czech Republic Slovak Republic Hungary Romania Croatia Serbia With current savings amount - Very satisfied - 1 -1 +1 +0 +1 +0 -2 +0 Rather satisfied - 2 +0 +2 +0 +1 +3 +0 +5 So so -3 -4 -8 -7 +4 -5 +7 -3 Less satisfied - 4 +3 +2 +2 +1 +1 +1 +8 Not at all satisfied - 5 +1 +2 +5 -6 +1 -5 -11 Average +0,1 +0,1 +0,1 -0,1 +0,0 +0,0 -0,2
- 10. Motivations for saving 9 Question 5: "All in all, what is your motivation to save money? I will now read to you various possible motivations to put money away. Please always tell me if this is personally for you a motivation to save money as well." % Austria Czech Republic Slovak Republic Hungary Romania Croatia Serbia Personal motivation for saving - (n=856) (n=456) (n=447) (n=370) (n=358) (n=343) (n=300) Saveguarding: Financial back up, for emergencies As an old age pension provision, in order to stop working earlier, as nursing care insurance Purchases: So that I can afford something later on For smaller and larger acquisitions, renovations For vacation trip Without a special reason Savers in - 87 45 29 63 28 5 94 66 70 66 20 2 95 47 66 65 29 2 81 45 22 53 13 1 90 40 56 63 34 3 81 23 24 34 17 6 72 24 43 36 22 7
- 11. Motivations for saving - Trend 10 Question 5: "All in all, what is your motivation to save money? I will now read to you various possible motivations to put money away. Please always tell me if this is personally for you a motivation to save money as well." Savers in - +/- Diff. to 2013 % Austria Czech Republic Slovak Republic Hungary Romania Croatia Serbia Personal motivation for saving - Saveguarding: Financial back up, for emergencies -2 +0 +1 +1 -3 -5 -3 As an old age pension provision, in order to stop working earlier, as nursing care insurance -2 -2 -4 +0 +0 -6 -4 Purchases: So that I can afford something later on -10 +1 +0 -5 +0 +0 -2 For smaller and larger acquisitions, renovations -9 -1 -7 +0 -2 -1 -2 For vacation trip +0 -7 +0 -6 -2 +7 -3 Without a special reason +2 +2 +1 +0 +0 -3 -1