Ferratum Group European and Commonwealth Christmas Barometer™ 2015

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 2

Christmas holiday spending relativeto disposable household income

UNITED KINGDOM

SLOVAKIA

AUSTRALIA

SPAIN

CROATIA

LITHUANIA

ESTONIA

ROMANIA

CZECH REPUBLIC

GERMANY

NEW ZEALAND

ALL COUNTRIES

POLAND

FINLAND

BULGARIA

LATVIA

DENMARK

SWEDEN

CANADA

FRANCE

NORWAY

NETHERLANDS

167

137

126

124

115

113

109

108

107

102

101

100

97

90

89

88

86

85

81

67

55

41

38.5 %

31.4 %

29.1 %

28.5 %

26.4 %

26.1 %

25.2 %

24.9 %

24.6 %

23.1 %

23.4 %

23 %

22.2 %

20.8 %

20.5 %

20.4 %

19.6 %

19.9 %

18.7 %

15.5 %

12.6 %

9.4 %

SPENDING IN RELATION TOOTHER COUNTRIES

European and CommontwealthChristmas spending 2015

17.1 %

15.5 %

10.8 %

10 %

9.6 %

9.5 %

7.3 %

5.7 %

5 %

3.9 %

3.9 %

1.9 %

TOYS AND GAMES

BOOKS

SWEETS

CONSUMER ELECTRONICS

COSMETICS

CLOTHING

HOUSEHOLD UTILITIES

SPORTS GEAR

ALCOHOL

WELL-BEING

MUSIC

GIFT CARDS

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 3

Household Christmas holiday spending forecast 2015

20 %

64.6 %

15.4 %

LESS THAN A YEAR AGO

MORE THAN A YEAR AGO

SAME AS A YEAR AGO

Index of online purchases 2015

UNITED KINGDOM

GERMANY

NETHERLANDS

FRANCE

BULGARIA

SWEDEN

CZECH REPUBLIC

NORWAY

DENMARK

ALL COUNTRIES

SLOVAKIA

FINLAND

LITHUANIA

POLAND

NEW ZEALAND

ROMANIA

SPAIN

LATVIA

CANADA

ESTONIA

AUSTRALIA

CROATIA

38.9 %

31.6 %

27.2 %

26.4 %

25.5 %

25 %

25 %

25 %

23.2 %

20.3 %

21.6 %

20.3 %

20.2 %

19.1 %

18 %

17.9 %

17.6 %

16.9 %

15.8 %

15.6 %

15.5 %

13.3 %

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 4

22.4 %

14.3 %

11.1 %

7.5 %

Australia

Spending in relation to other countries: 126 (FE group = 100)Spending relative to household income: 29.1 % (947 €)Share of online purchases: 15.5 %

23.1 % TOYS AND GAMES

CLOTHING

GIFT CARDS

CONSUMER ELECTRONICS

BOOKS

16.3 %

13.6 %

7.9 %

8.2 %

United Kingdom

Spending in relation to other countries: 167 (FE group = 100)Spending relative to household income: 38.5 % (1144 €)Share of online purchases: 38.9 %

22.6 % CLOTHING

BOOKS

SPORTS GEAR

TOYS AND GAMES

ALCOHOL

23.7 %

13.3 %

10.9 %

8.7 %

Slovakia

Spending in relation to other countries: 137 (FE group = 100)Spending relative to household income: 31.4 % (655 €)Share of online purchases: 20.3 %

24.7 % TOYS AND GAMES

COSMETICS

HOUSEHOLD UTILITIES

CONSUMER ELECTRONICS

BOOKS

13.4 %

11.5 %

10.6 %

8.4 %

Croatia

Spending in relation to other countries: 115 (FE group = 100)Spending relative to household income: 26.1 % (426 €)Share of online purchases: 13.3 %

32.3 % BOOKS

MUSIC

CONSUMER ELECTRONICS

TOYS AND GAMES

ALCOHOL

15.7 %

15.1 %

13 %

11.3 %

Lithuania

Spending in relation to other countries: 113 (FE group = 100)Spending relative to household income: 26.1 % (502 €)Share of online purchases: 20.2 %

20.7 % TOYS AND GAMES

SWEETS

COSMETICS

BOOKS

HOUSHOLD UTILITIES

20.5 %

9.8 %

9.1 %

8.7 %

Spain

Spending in relation to other countries: 124 (FE group = 100)Spending relative to household income: 28.5 % (726 €)Share of online purchases: 17.6 %

29.9% TOYS AND GAMES

BOOKS

SPORTS GEAR

COSMETICS

CLOTHING

Top holiday spending behaviour in Europe and Commonwealth countries

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 5

19.7 %

16.4%

12.6 %

11.4 %

Romania

Spending in relation to other countries: 108 (FE group = 100)Spending relative to household income: 24.9 % (356 €)Share of online purchases: 17.9 %

19.7 % TOYS AND GAMES

SWEETS

HOUSEHOLD UTILITIES

BOOKS

COSMETICS

14.8 %

10.6 %

9.1 %

8.7 %

Estonia

Spending in relation to other countries: 109 (FE group = 100)Spending relative to household income: 25.2 % (501 €)Share of online purchases: 15.6 %

22.9 % BOOKS

ALCOHOL

WELL-BEING

TOYS AND GAMES

SPORTS GEAR

COSMETICS

20.1 %

14.7 %

12.6 %

5.5 %

New Zealand

Spending in relation to other countries: 101 (FE group = 100)Spending relative to household income: 23.1 % (612 €)Share of online purchases: 18 %

26.9 % CLOTHING

TOYS AND GAMES

CONSUMER ELECTRONICS

GIFT CARDS

SPORTS GEAR

19.3 %

13 %

11.9 %

7.8 %

Spending in relation to other countries: 107 (FE group = 100)Spending relative to household income: 24.6 % (578 €)Share of online purchases: 25 %

Czech Republic

26.7 % TOYS AND GAMES

BOOKS

CONSUMER ELECTRONICS

COSMETICS

CLOTHING

26.1 %

14.1 %

9.3 %

6.3 %

Poland

Spending in relation to other countries: 97 (FE group = 100)Spending relative to household income: 22.2 % (404 €)Share of online purchases: 19.1 %

28.2 %

TOYS AND GAMES

SWEETS

CLOTHING

BOOKS

13.3 %

10.4 %

10.4 %

7.8 %

Germany

Spending in relation to other countries: 102 (FE group = 100)Spending relative to household income: 23.4 % (808 €)Share of online purchases: 31.6 %

18.2 % TOYS AND GAMES

BOOKS

CLOTHING

WELL-BEING

SWEETS

Top holiday spending behaviour in Europe and Commonwealth countries

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 6

17.2 %

14.9 %

10.8 %

9.1 %

Latvia

Spending in relation to other countries: 89 (FE group = 100)Spending relative to household income: 20.4 % (355 €)Share of online purchases: 16.9 %

24.7 %

SWEETS

TOYS AND GAMES

BOOKS

COSMETICS

CLOTHING

18.4 %

15.3 %

12.2 %

7.8 %

Bulgaria

Spending in relation to other countries: 89 (FE group = 100)Spending relative to household income: 20.5 % (249 €)Share of online purchases: 25.5 %

26.9 % TOYS AND GAMES

SWEETS

BOOKS

COSMETICS

CONSUMER ELECTRONICS

18.9 %

17.4 %

7 %

6.8 %

Denmark

Spending in relation to other countries: 86 (FE group = 100)Spending relative to household income: 19.9 % (661 €)Share of online purchases: 23.2 %

25.8 % TOYS AND GAMES

BOOKS

SPORTS GEAR

CONSUMER ELECTRONICS

HOUSEHOLD UTILITIES

35 %

10 %

10 %

5 %

Canada

Spending in relation to other countries: 81 (FE group = 100)Spending relative to household income: 18.7 % (623 €)Share of online purchases: 15.8 %

40 % CLOTHING

TOYS AND GAMES

CONSUMER ELECTRONICS

GIFT CARDS

HOUSEHOLD UTILITIES

15.2 %

12.2 %

11.2 %

10.5 %

Spending in relation to other countries: 90 (FE group = 100)Spending relative to household income: 20.8 % (629 €) Share of online purchases: 20.3 %

Finland

19.1 % CLOTHING

SPORTS GEAR

ALCOHOL

CONSUMER ELECTRONICS

BOOKS

Top holiday spending behaviour in Europe and Commonwealth countries

21.1 %

9.9 %

8.2 %

7.9 %

Sweden

Spending in relation to other countries: 85 (FE group = 100)Spending relative to household income: 19.6 % (668 €)Share of online purchases: 25 %

25.5 % BOOKS

HOUSEHOLD UTILITIES

TOYS AND GAMES

COSMETICS

MUSIC

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 7

17.4 %

11.6 %

11.6 %

10.1 %

Spending in relation to other countries: 55 (FE group = 100)Spending relative to household income: 12.6 % (618 €)Share of online purchases: 25 %

Norway

27.5 % CLOTHING

WELL-BEING

TOYS AND GAMES

BOOKS

CONSUMER ELECTRONICS

22.8 %

11 %

10.8 %

7 %

Spending in relation to other countries: 41 (FE group = 100)Spending relative to household income: 9.4 % (336 €)Share of online purchases: 27.2 %

Netherlands

22.9 % CONSUMER ELECTRONICS

BOOKS

HOUSEHOLD UTILITIES

WELL-BEING

SPORTS GEAR

Top holiday spending behaviour in Europe and Commonwealth countries

21.4 %

9.7 %

9.2 %

7.1 %

France

Spending in relation to other countries: 67 (FE group = 100)Spending relative to household income: 15.5 % (445 €)Share of online purchases: 26.4 %

27.6 % TOYS AND GAMES

CLOTHING

SWEETS

CONSUMER ELECTRONICS

GIFT CARDS

FERRATUM GROUP CHRISTMAS BAROMETER™ 2015 The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and Com monwealth countries as a web survey with a standardised questionnaire for all locations. Incomes were stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly disposable income in each country. Disposable incomes were adjusted by each countries individual purchasing power parities based on 2014 gures by The World Bank. 14 205 household answered the survey.

page 8

How was Ferratum Group Christmas Barometer 2015 ™ conducted?

• The survey was conducted for Ferratum Group’s active customers in 21 countries across Europe and

Commonwealth countries as a web survey with a standardised questionnaire for all locations. Incomes are

stated in local currency and relative Christmas consuming is calculated as a ratio of family’s monthly

disposable income in each country. Disposable incomes were adjusted by each country, individual

purchasing power parity based on 2014 figures by The World Bank.

• 14 205 households participated in the survey. Respondents were aged between 21 and 65

and 57 % were women. The average available net income of participating households in these 21 countries

was € 805 – € 10 350. The avarage household size among the respondents was 3,2 persons.

• In addition to demographic factors, respondents were asked about disposable monthly net income, how

much they spend on their Christmas, which activities they spend their money on, how much shopping they

do online.

• The surveys used each country’s respective currency. Responses were evened out to reflect the respective

purchasing power of each country. All survey respondents were anonymous.