Overview of ING International Survey results on financial competence. Graphical illustrations of notable differences
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1 Overview of ING International Survey results on financial competence Graphical illustrations of notable differences
2 INDEX 1 Financial education 2 Financial knowledge 3 Keeping control of money 4 Men and women 5 Conflicts concerning money 6 Financial shopping attitude 7 Contact Information Overview of ING International Survey results on financial competence Graphical illustrations of notable differences AUTHORS Ian Bright Robbert Keller CLIENT ING Bank N.V. SECTOR TNS NIPO DATE CREATED May 8th, 2012
3 Overview of ING International Survey results on financial competence 11 countries are compared in this report. Besides this comparison, this report also offers graphs reflecting the perception and attitudes of the European consumer towards financial education and financial knowledge. 3
4 Financial education 1
5 Major differences between countries in the level of financial education received On average, fewer than half of consumers say they have not received any financial education. Fewer than 30% of all consumers have received financial education at school. 60% Have you ever received financial education? (choose all that apply) 50% 40% 30% 20% 10% 0% Yes, at school Yes, I was taught by my parents or friends and family Yes, I am self-taught by following information on the internet, in the press or on the TV and radio Yes, I am self-taught by reading books No, I have not received financial education Austria Belgium France Germany Italy Luxembourg Netherlands Poland Spain Turkey United Kingdom Overview of ING International Survey results concerning financial competence Financial education 5
6 The proportion of consumers who have not received any financial education is lowest among young people Young people (18-24) are the group that most often claim to have received financial education at school. Receiving financial education correlates negatively with age. Despite the fact that one out of three young people say they had financial education at school, a third still claim to have received no financial education. 50% Have you ever received financial education? (choose all that apply) 45% 40% 35% 30% 25% 20% 15% Yes, at school 10% 5% Yes, I was taught by my parents or friends and family Yes, I am self-taught by following information on the internet, in the press or on the TV and radio Yes, I am self-taught by reading books 0% years years years years 55+ years No, I have not received financial education Overview of ING International Survey results concerning financial competence Financial education 6
7 Strong preference across Europe for financial education to be taught in schools On average, more than four out of five consumers think that financial education should be taught in schools. France has the lowest percentage of consumers who think financial education should be taught in schools. 100% Do you think financial education should be taught in schools? Percentage of those who think financial education should be taught in schools. 95% 90% 85% 80% 75% 70% 65% 60% 55% 50% Poland United Kingdom Netherlands Austria Turkey Italy Belgium Germany Luxembourg Spain France Overview of ING International Survey results concerning financial competence Financial education 7
8 Financial knowledge 2
9 Testing financial competence (1 of 2) The IIS asked respondents five questions to assess their understanding of concepts and products that are important in managing money. Question 1: Understanding how interest rates work Suppose you had 100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow? Possible answers: (a) Around 102 (b) Around 105 (c) Around 110 (d) Do not know (e) Prefer not to answer Question 2: Understanding how inflation affects how much people can buy Imagine the interest rate on your savings account was 1% and inflation was 2% per year. After one year, how much would you be able to buy with the money in this account? Possible answers: (a) More than today (b) Exactly the same as today (c) Less than today (d) Do not know (e) Prefer not to answer Question 3: Understanding how bonds work If interest rates rise, what will typically happen to bond prices? Possible answers: (a) They will rise (b) They will fall (c) They will stay the same (d) Do not know (e) I do not know what a bond is (f) Prefer not to answer Overview of ING International Survey results concerning financial competence Financial knowledge 9
10 Testing financial competence (2 of 2) Question 4: Understanding how mortgages work A 15 year mortgage typically requires higher monthly payments than a 30 year mortgage, but the total interest paid over the life of the loan will be less. Possible answers: (a) True (b) False (c) Do not know (d) Prefer not to answer Question 5: Understanding risk and return For the same amount of money, a person can enter one of the following lotteries. Lottery A pays a prize of $200 and the chance of winning is 5%. Lottery B pays a prize of $90,000 and the chance of winning is 0.01%. In either case, if one does not win, one does not get any money. Which lottery pays the higher average amount? Possible answers: (a) Lottery A (b) Lottery B (c) The two lotteries pay the same average amount (d) Do not know (e) Prefer not to answer Note these questions are the same as used in several international surveys and studies that test and benchmark financial competence and financial education. Overview of ING International Survey results concerning financial competence Financial knowledge 10
11 Results of financial competence test The overall results of the five-question financial competence test showed interest rates and inflation were widely understood. But the relationship between bonds and interest rates was only known by one-in-four respondents. Correct Incorrect Did not know or did not answer Interest rate question 79% 11% 10% Inflation question 75% 9% 16% Bond question 25% 38% 37%* Mortgage question 54% 24% 22% Risk and return question 41% 27% 32% *Includes seven percent of who replied I do not know what a bond is. Overview of ING International Survey results concerning financial competence Financial knowledge 11
12 Turkey performs best in the financial education test It is remarkable that Turkey not only most frequently answered all questions correctly (also four / five answers combined), it is also the country with the highest percentage without any correct answers. 40% Percentages of correct answers. (Total of five questions) 35% 30% 25% 20% 15% 10% 5% 0% Correct 0 Correct 1 Correct 2 Correct 3 Correct 4 Correct 5 Austria Belgium France Germany Italy Luxembourg Netherlands Poland Spain Turkey United Kingdom Overview of ING International Survey results concerning financial competence Financial knowledge 12
13 Few respondents thought that their level of financial knowledge was less than the average in their own country 70% How do you rate your financial knowledge compared with the average person in your country? I think I know.. 60% 50% 40% 30% 20% 10% 0% Austria Belgium France Germany Italy Netherlands Poland Spain Turkey United Kingdom More than the average person About the same Less than the average person Luxembourg Overview of ING International Survey results concerning financial competence Financial knowledge 13
14 Keeping control of money 3
15 In the majority of European countries people monitor their financial affairs very carefully On average, more than six out of ten consumers monitor their financial affairs very carefully. The only country where more people monitor their money moderately rather than carefully is Poland. 90% 80% How do you keep control of your money? 70% 60% 50% 40% 30% 20% 10% 0% Austria Belgium France Germany Italy Luxembourg Netherlands Poland Spain Turkey United Kingdom Very carefully. I check credit bank and card statements thoroughly I keep moderate control by checking bank and card statements occasionally I don't pay much attention to it Overview of ING International Survey results concerning financial competence Keeping control of money 15
16 The extent to which financial affairs are monitored increases with age On average, 6% of consumers claim not to pay much attention to their financial affairs. This percentage is highest among young people. More than 1 in 10 young people do not pay much attention to this at all. 80% How do you keep control of your money? 70% 60% 50% 40% 30% 20% 10% 0% years years years years 55+ years Very carefully. I check credit bank and card statements thoroughly I keep moderate control by checking bank and card statements occasionally I don't pay much attention to it Overview of ING International Survey results concerning financial competence Keeping control of money 16
17 Men and women 4
18 In the majority of countries people think that men and women are equally capable of managing money In Poland, Spain and Turkey, people believe that women are better at managing money than men. No country claimed men to be better at managing money than women. 70% In your opinion, are men or women better at managing money? 60% 50% 40% 30% 20% 10% 0% Austria Belgium France Germany Italy Luxembourg Netherlands Poland Spain Turkey United Kingdom Men Women There is no difference Overview of ING International Survey results concerning financial competence Men and Women 18
19 Major difference in perception between men and women concerning money management The majority of men think that men and women are equally capable of managing money. Both men and women have a preference for their own gender concerning managing money. This preference is extremely large among women, in comparison with what men indicate. 60% In your opinion, are men or women better at managing money? 50% 40% 30% 20% 10% 0% Men Women Men Women There is no difference Overview of ING International Survey results concerning financial competence Men and Women 19
20 In general, men scored higher than women in this survey s test of financial competence When the percentage of respondents who answered at least four questions in the test correctly is broken down by sex, we see a higher rate for men than women. This is perhaps surprising in light of the perceptions of which sex is better at managing money. 40% Percent of all respondents who answered at least four questions correctly 35% 30% 25% 20% 15% 10% 5% 0% Men Women Overview of ING International Survey results concerning financial competence Men and Women 20
21 Conflicts concerning money 5
22 The majority of consumers in a long-term relationship have no conflicts concerning financial affairs The Netherlands has the highest percentage of couples that have not had a conflict with their partner because of money. Only in Turkey and Poland is the number of couples that have ever had a conflict concerning financial affairs higher than the number of couples that never had such a conflict. 80% Have you ever had a conflict with your partner because of money? Percentage of those in a long-term relationship who have not had a conflict with their partner because of money 70% 60% 50% 40% 30% 20% 10% 0% Netherlands Belgium Germany Austria France Italy Spain United Kingdom Luxembourg Turkey Poland Overview of ING International Survey results concerning financial competence Conflicts concerning money 22
23 Financial shopping attitude 6
24 Major differences between countries on which consumers shop around for financial products Poland has the largest percentage of consumers who do not shop around for financial products because they like to stick to one financial provider/bank. This is almost twice as high as in the United Kingdom, where only one out of three consumers does not shop around for financial products because they like to stick to one financial provider/bank. 70% Percentage of people who don't shop around for financial products 60% 50% 40% 30% 20% 10% 0% Austria Belgium France Germany Italy Luxembourg Netherlands Poland Spain Turkey United Kingdom I don't shop around for financial products as I like to stick to one financial provider/bank Overview of ING International Survey results concerning financial competence Financial shopping attitude 24
25 The number of consumers that do not shop around for financial products is highest among older people The level to which people shop around for financial products decreases as people become older. Older people stick to one financial provider/bank more frequently than young people. 60% Percentage of people who don't shop around for financial products 50% 40% 30% 20% 10% 0% years years years years 55+ years I don't shop around for financial products as I like to stick to one financial provider\bank Overview of ING International Survey results concerning financial competence Financial shopping attitude 25
26 Contact Information 7
27 Contact List Country Contact Name Contact Phone Contact Andrea Hansal Liesbeth Van De Craen Maire Ginhoux Patrick Herwarth von Bittenfeld Elisa Pavan Pierre-Olivier Rotheval Ian Bright Ewa Szerszen Patricia Leiva Asenjo Buket Okumus Martin Rutland Ian Bright (Economist) TNS NIPO Robbert Keller Overview of ING International Survey results concerning financial competence Contact Information 27
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