HSBC Bank International Expat Explorer Survey 08

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1 HSBC Bank Intrnational Expat Explorr Survy 08 Rport On: Expat Existnc Th Survy Th Expat Explorr survy qustiond 2,155 xpatriats across four continnts about th opportunitis and challngs thy fac. Th survy rvald som fascinating insights into how xpat lif diffrs from country to country. Expat Existnc Expat Existnc is th first rport of thr in th Expat Explorr Sris and ranks th top ratd placs to liv basd on xpats own prsonal xprincs. Ky Findings Europan wos Sking th good lif abroad? Thn pack your suitcas and had for Singapor, th Unitd Arab Emirats (UAE) or th Unitd Stats. Ths thr countris mrgd as bst xpat locations ovrall in th survy. Th UK and Franc wr amongst th lowst ratd dstinations, scoring poorly on thir lvls of luxury and standards of accommodation. Earning and spnding mor Dspit th currnt conomic climat, xpats spnd mor whilst still bing abl to sav. Ovr half (58%) of xpats sav and invst mor than thy did in thir country of origin. 52% also spnd mor on food, 49% mor on shopping and 45% mor on socialising in thir nw country of rsidnc. Th UK is th last luxurious plac to liv as an xpat Top countris for saving includd India, th UAE and Singapor Whr six-figur salaris ar th norm Hong Kong and India basd xpats hav th highst salaris in th world; with clos to half arning mor than 100,000 p.a. Th highst paying profssions wr in financ and managmnt with 43% of popl working in ths industris arning a six figur salary. 49% of xpats in Hong Kong arn mor than 100k Expat Existnc Mthodology Each country was ratd according to living standards, whthr xpats can command a high salary and incras thir saving, which countris ar popular to sttl in th mdium-long trm and whthr thy xprinc an incras in luxury. For xampl: Bst Country Ranking Critria What dtrmins a good scor for a country? 1. Longvity Attracts nw xpats and whr xpats sttl down For Lifstyl 2. Earn and Sav Whr xpats can arn ovr 100k and incras thir savings 3. Luxurious Th biggst incras in luxury across 11 catgoris 4. Accommodation An incras in th quality of accommodation

2 Th final ranking is basd on th avrag scor for a country across th critria Each of th critria is wightd vnly Sampl siz of 2,155 Only countris with mor than 30 rsponss wr includd in ovrall tabl (14 in total). Expat Existnc Ovrall Rsults Country Longvity Earn & Sav Luxurious Accommodation Scor (avg) Singapor UAE USA Blgium Hong Kong Grmany Nthrlands Canada India Australia China Spain Franc UK Longvity Popular Dstinations Expats ar spnding longr away from hom, with 45% of thos survyd having livd abroad for mor than 5 yars. Irland and Nw Zaland hav th gratst prcntag of global travllrs, with mor than thr quartrs (8) of rspondnts from both countris stating that thy had bn away from hom for longr than thr yars. 3 Tim away from origin (%) ovrall 27% 2 21% 18% 1 9% 0 to 6 7 months 3 to 5 6 to 9 10 or mor months to 2 yars yars yars yars

3 Europ is a popular dstination ovrall in trms of th lngth of tim xpats stay thr mor than thr quartrs (82%) of xpats now living in th Nthrlands hav bn thr for thr or mor yars, followd by Grmany (77%) and Spain (76%) % Away from origin for thr or mor yars (%) top thr countris 82% 77% 76% 5 Nthrlands Grmany Spain Expats working in financ ar attractd to th USA. Expats tnd to stay in th USA for th mdium to long trm. Howvr, Amrica is not ncssarily viwd as a rtirmnt dstination by xpats - only 6% of xpats in th USA ar ovr Expat Profssions in th USA (%) 53% % 19% 6% Financial Profssional Othr Not paid Earn and Sav Expat salaris ar gnrally good, with at last 31% of xpats arning mor than 100,000 pr annum and mor than half arning ovr 60,000 annually. Expat salary (%, s quivalnt) ovrall 5% 2 4% 2% 11% 10 33% Undr 60k to 100k to 200k to 250k to 500k Won t Bas 60k 99k 199k 249k 499k plus say

4 Hong Kong-basd xpats hav th highst salaris in th world, with almost half (49%) arning mor than 100,000 p.a. 6 4 Salary abov 100k (%) Top 3 rsidnt countris 49% 42% 41% 2 Hong Kong India Singapor Howvr, Brazilian, Irish and Australian xpats ar th walthist in th world. 6 4 Salary abov 100k (%) Top 3 origin countris 48% 45% 39% 2 Brazil Irland Australia Expats ar not only arning mor but saving mor as wll, particularly in countris such as Singapor, th UAE and India. In India, for xampl, low living costs nabl 82% of xpats to sav mor than thy wr abl to in thir country of origin. Ovrall, 58% of xpats invst and sav mor, and mor than half (52%) of xpats also spnd mor on food, 49% mor on shopping and 45% mor on socialising in thir nw country of rsidnc. Luxurious Lifstyl Expat Existnc invstigats whthr xpats lifstyls ar mor luxurious than th livs thy hav lft bhind. Countris wr ratd on a numbr of catgoris, for xampl, accss to privat halthcar, owning mor than on proprty, ability to mploy staff (such as clanrs). Across th 11 catgoris of prcivd luxuris, on avrag xpats rportd an incras in ight of ths factors, with mploying staff rankd as th highst incras. 3 Nt chang in luxury (%) ovrall 2 1-8% -2% Dcras in luxury Incras in luxury 4% 9% 9% 11% 11% 13% 16% 19% -1 Sports Own > Own a Club Own a Gym Accss to > Privat Privat Rgular Employ tam 1 car boat mmbr pool mmbr 1 proprty child duc halthcar holidays staff mmbr Th UAE was th most luxurious dstination, with xpats xprincing incrass in 10 of th 11 catgoris, followd by Spain with incrass in nin of th 11 catgoris. Singapor, howvr, ratd highr than Spain ovrall with a gratr prcntag chang rgistrd ovr th luxurious catgory. Th UK was rankd th last luxurious with dcrass rcordd in nin of th 11 luxuris. Across all catgoris, mals rportd qual or highr xprincs of luxuris than fmals.

5 Standard of Accommodation Almost thr quartrs (74%) of xpats living in Singapor said that th quality of thir accommodation had improvd sinc moving away from thir country of origin, th highst amount rcordd in th study. This was followd by xpats living in th Unitd Stats (61%) and Blgium (59%). 10 Quality of Accommodation (%) Top 3 countris 75% 74% 61% 59% 5 Singapor US Blgium Th UK was idntifid as th most xpnsiv xpat location for accommodation, with ovr thr quartrs (85%) of xpats living in th UK rvaling that thir living costs had incrasd. Only on-fifth (19%) of rspondnts living in th UK also statd that th quality of thir accommodation had incrasd. India was th chapst country, with only on-fifth (21%) of xpats living in th country claiming that thir costs of accommodation had incrasd. Th Nthrlands (68%) and Singapor (64%) wr also idntifid as xpnsiv locations. Furthr information Plas visit for furthr information. Mdia nquiris to: Tim Mulln Hill & Knowlton + 44 (0) Anouchka Burton Hill & Knowlton + 44 (0) Issud by HSBC Bank Intrnational Limitd. HSBC Intrnational Limitd All Rights Rsrvd. AC11282

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