emerging consumer survey databook 2013
DESCRIPTION
This Credit Suisse Emerging Consumer Survey Databook provides granular detail of the market research that underpins the conclusions and themes highlighted in the Credit Suisse Emerging Consumer Survey 2013, a comprehensive and exclusive study of the consumption patterns and plans of individuals residing in eight key economies across the emerging world. Specifically, the markets we have incorporated in this survey are China, India, Brazil, Russia, Saudi Arabia, Indonesia, South Africa and Turkey. In total, these markets account for over 3.3 billion people. - Download the Emerging Consumer Survey Databook 2013 (PDF): http://bit.ly/Isfvwn - Order the print version of the Emerging Consumer Survey Databook : http://bit.ly/1clJf8W Visit the Credit Suisse Research Institute website: http://bit.ly/18Cxa0pTRANSCRIPT
Emerging Consumer Survey Databook 2013
January 2013
Thought leadership from Credit Suisse Research and the world’s foremost experts
Research Institute
Contents
For more information, please contact:
Mujtaba Rana, Associate
Thematic Equity Research at Credit Suisse
Investment Banking
+44 20 7883 3773
Kiranjot Grewal, Analyst
Thematic Equity Research at Credit Suisse
Investment Banking
+44 20 7883 9247
3 Introduction
4 Credit Suisse Consumer Survey Universe
5 Brazil
26 China
47 India
68 Indonesia
89 Russia
110 Saudi
131 South Africa
152 Turkey
173 Methodology
174 Appendix: Questionnaire
178 About the survey
179 Imprint
179 General disclaimer/Important information
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 3
Introduction This Credit Suisse Emerging Consumer Survey Databook provides granular detail of the market research that underpins the conclusions and themes highlighted in the Credit Suisse Emerging Consumer Survey 2013, a comprehensive and exclusive study of the consumption patterns and plans of individuals residing in eight key economies across the emerging world. Specifically, the markets we have incorporated in this survey are China, India, Brazil, Russia, Saudi Arabia, South Africa, Indonesia and Turkey. In total, these markets account for over 3.3 billion people.
As comprehensive as this Databook is, we have not provided every aspect of the detail which can be derived from the survey along the lines of gender, age, city and rural/urban locations. This is available on request. The pages that follow have focused on income bands as a source of disaggregation of the responses which was a principal feature of the themes we have explored.
This report builds on work Credit Suisse published on consumption trends in emerging markets over the past 24 months. The Emerging Consumer Survey 2012 was in itself an extension to 2011’s survey and indeed the China Consumer Survey, a publication released annually since 2005. The survey structure and questionnaire used in this previous work has been used as a template for this project, ensuring both a degree of consistency with previous work and a comparable dataset across the different countries.
To conduct the primary research for this project, the Credit Suisse Research Institute engaged the global market research firm AC Nielsen to advise on the questionnaire construction and to undertake the interview process on our behalf. Using a global firm with local offices has provided a consistent approach to this multi-region survey, as well as allowing sufficient flexibility to incorporate questions specific to the countries concerned.
This survey is designed to capture information regarding the spending patterns (past, present and future) and general lifestyles and aspirations of the consumers across these markets. The data is proprietary to Credit Suisse and is based on face-to-face interviews carried out in 77 distinct regional areas, spread over the eight different countries. Data from such a sample will vary in quality due to the sampling and non-sampling problems inherent in all surveys. Approximately 1,500 respondents were surveyed for each region, with the largest two markets (India and China) having a larger sample size of 2,500 each. The male-to-female split between respondents was roughly 50:50 in all cases, with rural-to-urban split varying by country.
A total of over 14,200 respondents were screened and surveyed on questions within 12 categories: 1) general income and wealth, 2) autos, 3) food and beverages, 4) household and personal care, 5) luxury goods, 6) technology, 7) telecoms, 8) internet, 9) travelling, 10) property, 11) education and 12) healthcare. Detailed results from each of the eight markets are shown in the "Country Specific Data" section from page 5. The survey methodology is described in the appendix.
Although each respondent was asked up to 125 questions during the course of the survey, the Databook aims to present detailed information on those areas which investors may find most compelling and those which garnered the most thought-provoking ideas during the course of our study. Certain topics are more pertinent in some markets than others: questions on holiday plans yielded far more interesting results in Russia and Saudi Arabia than they did in India, for instance. Similarly, questions on stock market investments are more pertinent in China than they are in Indonesia. Nevertheless, for the sake of consistency, we have included a standard set of results for each market in this Databook. Numbered references within the tables, such as A7 and D5, allude to specific questions surveyed, a list of which can be found in the appendix. More detail is available on request.
Mujtaba Rana Equity Research, Credit Suisse Investment Banking
January 2013
Credit Suisse Em
erging Consum
er Survey Databook
2013 Source: Credit S
uisse Em
erging Consum
er Survey 2013
Credit Suisse Consumer Survey Universe
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 5
Brazil The beat goes on The Brazilian consumer is and remains the most optimistic in our survey, with a net balance of close to 68% of income-weighted respondents seeing their personal finances likely to improve in the next six months. Moreover, this optimism has increased since our last survey in a relatively broad-based fashion.
This might be surprising given a slower growth performance in Brazil in 2012. However, it has been less a feature of the personal sector, where the labour market has remained healthy and fiscal initiatives have been targeted to support consumption, and monetary policy to stimulate credit growth.
This breadth of optimism is another feature that distinguishes Brazil, as we saw earlier on. High income and low income consumers alike display confidence in the future in a way that, for example, the other major BRIC (Brazil, Russia, India and China) economy India fails to do. Backing both the level and spread of confidence are expectations of income growth expressed by consumers. While this may prove too optimistic, a range of 8%–12% income growth serves as a backdrop to their thinking.
The focus on discretionary items is typical of the categories of spending showing the greatest momentum – technology, fashion and spirits. Growth in staple products is less impressive. The growth in internet penetration stands out, having risen from 56% to 76% in the last two years. Importantly, this is across the income scale. This has underpinned growth in computing. We would expect penetration in smartphones to similarly accelerate.
For fear of leaving the impression that the Brazilian consumer is purely focused on more material items, we would flag that healthcare and education represent a higher-than-average share of typical spending. Essentially, there is a focus on both services and goods – a longer and structural theme in our research.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 6
Brazil: Spending sentiment Figure 1: Country product purchasing in 2012 vs survey average
Carbonated drinks
Beer
Spirits
DairyCosmetics
Fashion apparelSports shoes
Watches
Perfume Computers
Mobile phones
Smartphone
Internet access
Holidays
Property
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in B
razil
, 201
2
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in Brazil
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey.
Figure 2: Country product purchasing in 2012 vs change over 2011
Carbonated drinksBeer
Spirits
DairyCosmetics
Fashion apparel
Sports shoes
WatchesPerfume
Computers
Mobile phones
Smartphone
Internet access
Holidays
Property
Extra education
Cars
-6-4-202468
1012
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 7
Brazil: Demographics Figure 3: A6. Could you please tell me your age? Figure 4: N2. What is your total after tax monthly income?
32
41
1710
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
10
19
30
117
3 2 3
0
10
20
30
40
Betw
een
R$
490
- R
$1,
141
Betw
een
R$
1,14
2 - R
$1,
630
Betw
een
R$
1,63
1 -
R$
3,26
0
Betw
een
R$
3,26
1 - R
$4,
890
Betw
een
R$
4,89
1 - R
$6,
520
Betw
een
R$
6,52
1 - R
$8,
150
Betw
een
R$
8,15
1 - R
$11
,410
Mor
e th
anR
$ 11
,411
% o
f res
pond
ents
Note: Sample size: 1500 respondents across 5 geographical regions
Figure 5: Urban / Rural split Figure 6: Male / Female split
30
70
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
50 50
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 7: A9. How many people live in your household? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to answer
D.K
1 4 0 9 6 2 3 0 0 3 5 8 0 2 15 0 18 20 16 18 13 4 6 17 10 6 3 26 100 26 28 29 20 22 21 19 26 21 24 4 30 0 26 27 28 31 38 52 44 26 29 38 5 or more 25 0 20 19 25 29 27 23 28 26 31 32
Mean 3.57 3 3.3 3.34 3.57 3.65 3.79 3.94 3.89 3.52 3.66 3.95
Figure 8: A12. How many children does your household have? 1 51 67 41 50 52 52 54 58 46 50 50 56 2 37 33 42 35 32 39 39 35 50 41 40 32 3 10 0 11 12 12 7 5 4 4 9 7 9 4 2 0 4 3 2 2 2 4 0 0 0 3 5 or more 1 0 2 0 1 0 0 0 0 0 3 0
Median 1.65 1.33 1.84 1.67 1.67 1.59 1.54 1.54 1.58 1.59 1.65 1.59
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 8
Figure 9: A15. In your opinion is now a good time to make a major purchase?
0 14 1032 38 34 33 45
58 56 50
75 48 48 53 44 4131 28 40
14 7 7 11 6
0%
20%
40%
60%
80%
100%
Less than R$ 489 R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 10: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-24-10
-20-10
5
35 39
20
-50
-30
-10
10
30
Less than R$ 489 R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
Figure 11: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
75 70 58 67 69 76 75 69 74
25 25 39 31 30 23 23 28 26
0%
20%
40%
60%
80%
100%
Less than R$ 489 R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
Better About the same Worse
Figure 12: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
7565
5565 67
75 7366
74
0
20
40
60
80
Less than R$ 489 Between R$ 490 -R$ 1,141
Between R$ 1,142- R$ 1,630
Between R$ 1,631- R$ 3,260
Between R$ 3,261- R$ 4,890
Between R$ 4,891- R$ 6,520
Between R$ 6,521- R$ 8,150
Between R$ 8,151- R$ 11,410
More than R$11,411
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 9
Brazil: Income and Other Figure 13: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Bank account 37 50 16 23 38 44 59 71 75 83 34 21 Life insurance 9 0 1 1 4 9 28 40 39 40 9 9 Stock market 1 0 0 0 0 0 1 4 0 12 1 0 Cash 10 0 9 6 11 9 15 21 25 12 9 8 Mutual Fund 1 0 0 0 0 1 1 0 0 14 1 0 Property 0 0 1 0 0 0 0 0 0 7 1 0 No savings 3 0 0 0 1 4 7 8 17 14 5 0 Base : Unwtd 1500 4 153 288 455 169 108 52 36 42 127 66
Figure 14: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 2 0 3 2 1 3 3 2 3 5 1 0 -10% to -20% 5 50 11 5 3 7 2 4 3 10 3 9 -10% to flat 8 0 7 10 10 8 2 2 0 5 8 6 Unchanged 60 0 61 62 62 54 63 56 58 33 55 70 Flat to +10% 15 25 11 13 15 16 17 27 17 26 18 11 +10 to +20% 6 25 4 4 5 8 8 4 17 10 7 5 +20 to +30% 2 0 1 1 2 2 1 4 3 7 5 0 30%+ 2 0 1 2 2 2 5 2 0 5 3 0 Base : Unwtd 1500 4 153 288 455 169 108 52 36 42 127 66
Figure 15: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 0 0 0 0 0 0 2 0 0 0 0 0 -10% to -20% 2 0 3 3 2 2 0 2 0 0 2 0 -10% to flat 1 0 3 1 1 2 2 2 0 0 2 2 Unchanged 26 25 33 27 24 24 19 12 31 14 28 47 Flat to +10% 33 25 27 39 36 34 33 38 17 43 23 23 +10 to +20% 18 25 14 12 20 19 22 21 19 7 24 18 +20 to +30% 9 25 8 7 7 8 11 10 22 19 12 3 30%+ 10 0 11 11 9 10 11 15 11 17 9 8 Base : Unwtd 1500 4 153 288 455 169 108 52 36 42 127 66
Figure 16: N5. What proportion of your spending is done via credit cards? 0-5% 6 0 10 7 6 7 3 4 11 7 5 3 6-10% 9 25 9 9 11 8 7 6 14 2 8 6 11-15% 9 0 8 9 8 9 9 8 11 12 9 9 16-20% 6 25 5 4 7 9 9 8 3 2 8 3 21-25% 10 50 7 8 9 17 15 15 14 10 9 8 More than 25% 22 0 8 12 20 24 43 44 36 43 33 11 No credit card 32 0 52 47 34 23 11 10 8 19 20 39 Mean % exp 19 18 15 17 19 20 23 23 19 23 21 18 Base : Unwtd 1500 4 153 288 455 169 108 52 36 42 127 66
Figure 17: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 31 25 27 31 31 33 27 32 18 35 37 31 Staying the same 52 50 50 51 50 52 59 51 70 53 44 60 Decreasing 18 25 23 19 19 16 13 17 12 12 20 10 Base : Unwtd 1014 4 74 154 300 130 96 47 33 34 102 40
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 10
Brazil: Automobiles Figure 18: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Yes 55 50 16 27 55 78 91 92 93 89 79 53 No 45 50 84 73 45 22 9 8 7 11 21 47
Figure 19: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 14 0 9 13 15 16 16 22 14 11 9 18 No 86 100 91 87 85 84 84 78 86 89 91 82
Figure 20: B3. How many cars do you own in your household? 1 71 100 95 94 90 71 49 21 33 35 60 79 2 23 0 5 6 9 26 44 70 44 38 31 14 3 or more 5 0 0 0 1 3 6 9 22 26 9 7
Figure 21: B5. How long ago did you purchase this car? 1 year or less 30 50 14 22 25 24 44 48 41 53 32 31 2 to 4 years 53 50 59 46 55 67 46 45 59 44 49 45 5 to 7 years 10 0 14 16 13 5 4 3 0 0 16 14 8 to 10 years 4 0 9 10 6 4 3 3 0 0 0 3 More than 10 years ago
2 0 5 6 1 0 4 0 0 3 2 7
Base : Unwtd 711 2 22 69 220 111 79 33 27 34 85 29
Figure 22: B7. How did you finance it? All Cash 24 0 32 30 23 22 16 21 4 29 31 28 Cash + Auto loan
50 100 32 38 47 55 66 61 78 59 46 10
All Auto loan 18 0 27 29 23 17 14 15 11 6 13 10 Sum 100 0 100 100 100 100 100 100 100 100 100 100 Base : Unwtd 711 2 22 69 220 111 79 33 27 34 85 29
Figure 23: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
4 48 8
13
63
118
5
18 16 1419
7
2115
22 23 23
32 31 3134
1722 20 22
8
22
1016
50
37
2624
29
19
45
16
0
10
20
30
40
50
R$ 490 - R$ 1,141 R$ 1,142 - R$ 1,630 R$ 1,631 - R$ 3,260 R$ 3,261 - R$ 4,890 R$ 4,891 - R$ 6,520 R$ 6,521 - R$ 8,150 R$ 8,151 - R$ 11,410 More than R$ 11,411
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 11
Figure 24: B4. What brand is the car your household last purchased? Fiat 33 50 50 43 31 36 30 33 33 29 26 34 Volkswagen 23 0 27 28 28 23 18 21 19 15 16 24 GM 14 0 5 17 17 14 11 6 7 12 14 14 Ford 13 0 14 12 16 13 18 9 7 15 9 7 Renault 3 0 0 0 2 5 6 0 4 3 2 7 Citroen 3 0 0 0 2 2 3 9 4 0 6 3 Toyota 1 0 0 0 0 0 1 3 0 9 1 3 Base : Unwtd 711 2 22 69 220 111 79 33 27 34 85 29
Figure 25: B16. How do you plan to finance the upcoming car purchase? All Cash 18 0 19 8 21 24 4 0 0 25 31 0 Cash + Auto loan 58 100 31 75 49 56 83 78 100 58 59 50 All Auto loan 21 0 50 17 27 15 13 11 0 8 7 50 D.K. 3 0 0 0 3 6 0 11 0 8 3 0 Sum 100 100 100 100 100 100 100 100 100 100 100 100 Base : Unwtd 260 2 16 24 104 34 23 9 3 12 29 4
Figure 26: B17. How much do you plan to spend on the car you or your household is planning to purchase? Upto R$ 10000 5 0 6 13 8 0 0 0 0 0 7 0
R$ 10001 - 15000 9 50 19 13 11 6 0 0 0 8 10 0
R$ 15001 - 20000 22 0 38 42 25 15 13 33 33 8 10 0
R$ 20001 - 30000 27 50 6 17 25 47 26 33 67 25 28 25
More than R$ 30000 28 0 13 13 21 29 61 33 0 50 41 50
Base : Unwtd 260 2 16 24 104 34 23 9 3 12 29 4
Figure 27: B15. Which car brand are you most likely purchase? Foreign 95 100 87 95 97 96 99 99 101 100 98 100 Fiat 32 100 50 32 34 34 16 11 50 25 25 50 Volkswagen 22 0 19 24 23 19 21 22 50 25 17 50 GM 13 0 6 8 19 8 16 11 0 17 6 0 Local 1 0 6 0 1 3 0 0 0 0 0 0
Base : Unwtd 260 2 16 24 104 34 23 9 3 12 29 4
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 12
Brazil: Food & Beverage Figure 28: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Drinks: Yes 95 100 94 95 96 95 99 100 96 94 94 92
Drinks: No 5 0 6 5 4 5 1 0 4 6 6 8
Drinks: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Beer: Yes 64 33 53 58 65 66 67 73 92 72 82 46
Beer: No 36 67 47 42 35 34 33 27 8 28 18 54
Beer: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Bottled Water: Yes 69 67 63 57 71 83 82 89 84 84 66 54
Bottled Water: No 31 33 37 43 29 18 18 11 16 16 34 46
Bottled Water:Base 1116 3 128 228 334 120 79 37 25 32 82 48
Spirits: Yes 39 33 31 34 37 44 49 38 76 56 43 29
Spirits: No 61 67 69 66 63 56 51 62 24 44 57 71
Spirits: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Dairy: Yes 90 67 91 88 90 95 90 76 96 97 88 81
Dairy: No 10 33 9 12 10 5 10 24 4 3 12 19
Dairy: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Figure 29: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 58 71 57 54 59 57 54 64 60 66 57 64 Coca-Cola 31 43 31 29 33 33 27 34 33 32 28 33 Drinks - Local 42 29 43 46 41 43 46 36 40 34 43 36 Guarana Antartic 19 14 15 18 19 23 20 24 26 23 16 17 Dolly 5 14 4 7 6 4 6 1 1 2 4 1 Drinks - Base 1064 3 120 217 320 114 78 37 24 30 77 44 Beer - Foreign 7 50 4 3 4 7 10 14 10 17 9 19 Beer - Local 93 50 96 97 96 93 90 86 90 83 91 81 Skol 28 0 32 28 29 31 29 22 39 21 23 17 Brahma 18 0 14 17 18 19 18 20 14 19 24 19 Antartica 12 0 12 12 12 8 8 13 20 23 11 14 Itaipava 15 0 16 16 16 15 13 12 10 15 15 11 Beer - Base 714 1 68 133 218 79 53 27 23 23 67 22 Water - Foreign 3 0 3 4 1 2 5 4 3 11 5 4 Water - Local 92 67 90 91 95 95 93 92 97 85 87 87 Crystal 19 33 20 18 22 18 17 17 13 15 14 24 Bonafont 15 33 8 11 16 18 21 17 10 3 21 16 Minalba 13 0 8 15 12 14 20 15 13 13 9 18 Water - Base 775 2 81 131 236 99 65 33 21 27 54 26 Spirits - Foreign 68 100 58 52 67 75 75 88 94 87 64 83 Smirnoff 24 100 22 19 25 21 29 28 26 16 23 34 Johnnie Walker 14 0 7 9 14 18 12 24 29 23 13 14 Spirits - Local 27 0 37 43 27 20 22 8 6 3 30 17 Cachaca - 51 9 0 13 17 8 5 5 4 0 0 13 3 Conhaques 5 0 6 9 5 0 7 0 0 0 9 3 Spirits - Base 435 1 40 78 124 53 39 14 19 18 35 14 Dairy - Foreign 59 50 59 56 58 59 60 67 70 61 60 61 Nestle 24 25 25 22 24 25 22 27 30 24 21 25 Dairy - Local 40 50 39 43 41 40 40 33 30 38 38 37 Parmalat 15 0 16 14 15 15 16 19 15 15 13 14 Dairy - Base 999 2 116 201 301 114 71 28 24 31 72 39
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 13
Figure 30: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Drinks: Yes 33 33 41 37 32 33 39 27 24 3 33 25 Drinks: No 67 67 59 63 68 67 61 73 76 97 67 75
Drinks: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Beer: Yes 22 33 18 27 23 19 22 16 20 3 28 19
Beer: No 78 67 82 73 77 81 78 84 80 97 72 81
Beer: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Water: Yes 27 0 27 25 28 31 34 27 36 9 29 23
Water: No 73 100 73 75 72 69 66 73 64 91 71 77
Water: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Spirits: Yes 12 33 13 11 14 16 14 11 16 0 7 10
Spirits: No 88 67 88 89 86 84 86 89 84 100 93 90
Spirits: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Dairy: Yes 37 33 46 41 36 34 44 24 32 16 33 31
Dairy: No 63 67 54 59 64 66 56 76 68 84 67 69
Dairy: Base 1116 3 128 228 334 120 79 37 25 32 82 48
Figure 31: C4. What % of your diet is made up of meat? 0% 3 0 0 2 3 1 1 5 8 9 6 8 0-5% 16 0 23 17 14 17 11 19 12 6 17 10 6-15% 35 33 41 36 35 35 37 38 36 28 23 31 16-25% 22 33 16 23 24 23 20 14 32 22 24 15 More than 25% 20 0 17 19 20 23 29 22 8 31 22 13
Figure 32: C5. How do you think your meat consumption is likely to change over the next 12 months?
29 3020 15 19 21 20 22
67
55 5671 72 68
68 76 69
17 14 10 14 12 11
0%
20%
40%
60%
80%
100%
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
Plan
ned
spen
d on
mea
t in
12
mon
ths (
% o
f pop
. like
ly to
ch
ange
inta
ke)
More The same Less
Figure 33: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
-33
1216
10
17 10
16 13
-35
-25
-15
-5
5
15
25
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 14
Brazil: Home & Personal Care Figure 34: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Tissues: Yes 74 75 72 67 73 82 83 83 85 87 74 62 Tissues: No 26 25 28 33 27 18 17 17 15 13 26 38 Tissues: Base 1280 4 144 255 388 136 83 41 27 38 109 55
Fem Hygiene: Yes 86 100 85 83 89 82 90 100 69 95 85 81 Fem Hygiene: No 14 0 15 17 11 18 10 0 31 5 15 19 Fem Hygiene: Base 647 2 94 125 172 73 48 16 13 20 53 31 Cosmetics: Yes 82 100 88 79 84 86 82 83 81 87 74 60 Cosmetics: No 18 0 13 21 16 14 18 17 19 13 26 40 Cosmetics: Base 1280 4 144 255 388 136 83 41 27 38 109 55
Figure 35: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 69 33 48 65 67 76 82 86 78 92 61 67 Scott 31 33 23 32 30 36 35 33 33 42 26 33 Cottonelle 21 0 17 23 20 20 22 19 25 23 21 26 Tissues - Local 24 33 37 28 24 16 16 7 22 6 34 20 Tissues - Base 947 3 104 171 283 112 69 34 23 33 81 34 Fem Hygiene - Foreign
40 25 37 39 41 42 36 46 42 42 48 39
Always 31 25 36 34 28 35 29 25 21 27 31 25 Fem Hygiene - Local 59 75 63 60 58 58 64 54 58 58 52 61 Sempre Livre 23 25 25 28 24 17 22 25 16 21 13 20 Intimus Gel 21 50 19 17 22 26 22 18 26 24 14 18 Fem Hygiene - Base 556 2 80 104 153 60 43 16 9 19 45 25 Cosmetics - Foreign 58 67 64 64 55 52 57 59 64 63 56 51 Avon 20 22 31 24 20 19 14 15 14 11 13 18 Dove 9 0 9 10 9 8 12 10 9 11 8 12 Cosmetics - Local 41 33 35 35 44 48 43 40 36 37 43 49 Natura 23 11 25 21 26 25 20 18 17 18 21 29 Boticário 15 11 9 11 15 19 18 17 17 13 18 15 Cosmetics - Base 1045 4 126 201 326 117 68 34 22 33 81 33 Figure 36: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 18 25 18 16 18 18 18 27 11 11 23 16 Tissues: Base 1280 4 144 255 388 136 83 41 27 38 109 55 Fem Hygiene: Yes 20 0 22 26 16 14 21 31 15 5 25 23 Fem Hygiene: Base 647 2 94 125 172 73 48 16 13 20 53 31 Cosmetics: Yes 33 25 38 35 33 27 29 34 22 26 39 29 Cosmetics: Base 1280 4 144 255 388 136 83 41 27 38 109 55
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 15
Brazil: Luxury Goods Figure 37: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Fashion: Yes 61 100 58 52 65 59 61 71 77 77 64 64 Fashion: No 39 0 42 48 35 41 39 29 23 23 36 36 Fashion: Base 1047 4 126 213 314 117 70 28 22 26 77 50
Leather: Yes 27 50 29 19 30 29 23 46 41 62 18 14 Leather: No 73 50 71 81 70 71 77 54 59 38 82 86 Leather: Base 1047 4 126 213 314 117 70 28 22 26 77 50 Sportswear: Yes 57 100 44 49 61 62 59 75 73 85 55 60 Sportswear: No 43 0 56 51 39 38 41 25 27 15 45 40 Sportswear: Base 1047 4 126 213 314 117 70 28 22 26 77 50 Watches: Yes 13 0 10 9 9 15 13 29 27 38 19 16 Watches: No 87 100 90 91 91 85 87 71 73 62 81 84 Watches: Base 1047 4 126 213 314 117 70 28 22 26 77 50 Jewellery: Yes 9 0 7 6 7 9 6 29 27 31 12 14 Jewellery: No 91 100 93 94 93 91 94 71 73 69 88 86 Jewellery: Base 1047 4 126 213 314 117 70 28 22 26 77 50 Perfumes: Yes 71 50 65 67 74 76 76 82 82 88 65 58 Perfumes: No 29 50 35 33 26 24 24 18 18 12 35 42 Perfumes: Base 1047 4 126 213 314 117 70 28 22 26 77 50
Figure 38: F3. If so, what brand was this / brands were these? Fashion - Foreign 17 20 5 9 8 23 12 45 32 53 24 16 Fashion - Local 81 80 89 87 90 76 88 55 68 47 73 79 C & A Marisa 31 60 47 32 36 28 29 10 25 9 24 32 Fashion - Base 641 4 73 110 204 69 43 20 17 20 49 32 Leather - Foreign 24 0 5 7 12 32 43 45 45 37 52 15 Leather - Local 59 50 57 57 74 50 48 45 55 60 40 62 Forum 3 0 0 5 1 2 4 5 10 9 0 0 Leather - Base 283 2 37 41 94 34 16 13 9 16 14 7 Sportswear - Foreign
60 80 39 59 55 70 77 71 68 76 56 50
Adidas 18 20 12 16 14 26 17 22 26 27 23 14 Nike 21 60 10 22 22 24 27 22 13 14 12 25 Sportswear - Local 33 20 38 35 38 25 19 29 32 24 33 42 Olympikus 14 0 9 17 17 10 9 16 23 3 12 19 Sportswear - Base 601 4 56 105 192 72 41 21 16 22 42 30 Watches - Foreign 40 0 0 32 13 45 44 82 55 73 59 50 Citizen 10 0 0 9 0 9 22 27 0 18 18 20 Casio 4 0 0 5 0 14 0 0 9 0 0 10 Watches - Local 47 0 50 50 71 41 56 18 45 27 41 40 Orient 13 0 17 9 10 9 22 18 9 18 24 10 Champion 9 0 0 14 19 9 11 0 9 0 6 0 Watches - Base 132 0 12 19 28 17 9 8 6 10 15 8 Jewellery - Foreign 8 0 0 0 0 20 0 13 0 13 36 0 Enzo 4 0 0 0 0 10 0 0 0 13 18 0 Jewellery - Local 70 0 33 58 86 70 75 88 100 88 45 57 Jewellery - Base 94 0 9 12 21 10 4 8 6 8 9 7 Perfumes - Foreign 27 0 33 26 18 25 36 50 15 64 28 28 Perfumes - Local 72 100 66 74 81 74 64 50 85 36 70 72 Natura 34 50 40 39 39 34 16 19 33 11 26 35 Perfumes - Base 744 2 82 143 232 89 53 23 18 23 50 29
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 16
Figure 39: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Fashion: Up to R$ 100
24 50 45 36 23 13 5 5 6 15 20 28
Fashion: R$ 100-500 61 25 48 61 70 67 72 45 65 40 47 53 Fashion: R$ 500-1000
12 25 7 3 7 19 19 35 29 25 22 16
Fashion: R$ 1000-1700
1 0 0 0 0 0 5 5 0 5 6 3
Fashion: More than R$ 1700
1 0 0 0 0 1 0 10 0 15 4 0
Fashion: Mean Exp R$
336 313 240 240 285 379 423 640 421 645 482 347
Leather: Up to R$ 100
23 0 49 24 21 24 6 15 33 6 14 0
Leather: R$ 100-500 60 100 46 68 69 56 63 54 22 56 43 86 Leather: R$ 500-1000
14 0 5 5 7 18 31 23 44 25 36 14
Leather: R$ 1000-1700
2 0 0 2 1 3 0 8 0 13 0 0
Leather: More than R$ 1700
1 0 0 0 1 0 0 0 0 0 7 0
Leather: Mean Exp R$
348 300 227 299 317 363 428 454 433 531 532 364
Sportswear: Up to R$ 100
21 0 41 25 21 13 5 10 6 9 26 30
Sportswear: R$ 100-500
64 100 55 69 70 74 63 57 56 36 48 60
Sportswear: R$ 500-1000
12 0 4 7 8 11 27 29 31 41 19 10
Sportswear: R$ 1000-1700
2 0 0 0 1 3 2 5 6 14 5 0
Sportswear: Mean Exp R$
338 300 234 280 300 354 471 460 494 609 417 285
Watches: Up to R$ 100
27 0 58 32 39 24 0 13 0 10 7 50
Watches: R$ 100-500
50 0 42 58 43 47 89 25 33 30 80 38
Watches: R$ 500-1000
16 0 0 5 14 18 11 25 67 30 13 13
Watches: Mean Exp R$
406 0 183 316 323 476 350 869 600 730 347 256
Jewellery: Up to R$ 100
50 0 67 50 71 60 25 0 0 38 44 86
Jewellery: R$ 100-500
29 0 22 50 24 20 50 38 17 25 33 14
Jewellery: R$ 500-1000
10 0 0 0 5 10 0 13 33 25 22 0
Jewellery: Mean Exp R$
381 0 322 200 179 330 513 969 975 513 311 129
Perfumes: Up to R$ 100
47 100 63 57 49 38 23 30 33 9 40 62
Perfumes: R$ 100-500
49 0 34 41 49 56 74 43 61 74 56 38
Perfumes: R$ 500-1000
4 0 2 2 2 6 4 17 6 13 4 0
Perfumes: Mean Exp R$
227 100 184 196 211 249 272 409 258 387 238 176
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 17
Figure 40: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 41: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
100
67 6575 72
6071 73
81
0
20
40
60
80
100Le
ss th
an R
$48
9
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$ 3,
260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
75
3326
36
2630
39 41
58
0
20
40
60
80
Less
than
R$
489
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$ 3,
260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 42: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 43: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
0
11
6
11
17 16
2527
38
0
10
20
30
40
Less
than
R$
489
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$
3,260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
0
13
610 10 9
2932
35
0
10
20
30
40
Less
than
R$
489
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$
3,260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 44: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 45: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
75
6256
69 7167
71 68
88
0
20
40
60
80
Less
than
R$
489
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$
3,260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
75
45
5564
7263 64
59
81
0
20
40
60
80
Less
than
R$
489
R$ 49
0 - R
$1,1
41
R$ 1,
142 -
R$
1,630
R$ 1,
631 -
R$
3,260
R$ 3,
261 -
R$
4,890
R$ 4,
891 -
R$
6,520
R$ 6,
521 -
R$
8,150
R$ 8,
151 -
R$
11,41
0
More
than
R$
11,41
1
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 18
Brazil: Technology and Internet Figure 46: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
500 800 1400 2400 4100 5600 7300 More than 8200
Income (R$)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 47: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R $ 11,411
Would prefer not to
answer
D.K
Blue-Ray DVD Player
1 0 0 1 1 1 0 0 0 11 3 0
Camcorder 2 0 1 2 2 1 5 7 0 0 4 2
Desktop computer 5 25 9 8 5 7 2 0 0 0 5 5
Digital Camera 4 0 3 5 3 2 4 12 0 16 4 5
DVD Player 1 0 3 2 1 0 1 0 0 0 0 2
E-Reader 0 0 0 0 0 0 1 0 0 0 0 2
GPS/Navigation 1 0 0 0 0 3 2 2 0 3 1 0
Internet Service 1 0 0 1 1 1 1 0 0 3 0 0 Mobile Phone
(Basic) 3 0 5 5 4 1 0 2 0 3 3 2
Mobile Phone (Smartphone)
7 25 3 6 8 6 6 7 6 21 8 7
MP3 0 0 0 0 0 1 0 2 0 0 0 0
Netbook 5 25 6 4 6 3 4 2 3 5 7 0
Notebook PC 6 25 5 6 5 7 1 0 3 3 10 11
LCD TV 1 0 0 1 1 1 0 2 0 8 0 0
Flat screen TV 1 0 3 1 0 1 0 0 0 0 0 0
Tablet 20 25 16 24 21 17 20 12 19 24 20 14
None of these 7 0 4 8 6 11 3 2 3 8 20 5 Figure 48: GB1. What is the most important factor in choosing a retailer when buying durable goods like electronics and technology products? Price 61 50 69 67 62 59 49 55 53 50 52 65 Finance Terms 5 0 5 4 6 3 7 2 3 3 3 4 Service 5 0 5 2 3 5 10 10 16 11 4 9 Range 5 0 4 2 5 5 7 5 13 5 13 5 Store location 1 0 1 1 1 1 0 0 0 3 4 4 On sale/special offer
14 25 10 18 14 12 12 7 3 13 17 9
After sales service 4 0 1 2 3 8 7 14 9 11 5 2 Other 5 25 3 4 6 6 7 7 3 5 3 4 Base : Unwtd 1358 4 147 269 416 148 94 42 32 38 111 57
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 19
Figure 49: l6. What services have you used in the last 6 months?
34 34 3019
42
60
33 29
55
112
36
9587 85
55 60 60
1 3 40
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 50: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Yes 76 75 45 65 77 82 97 95 100 100 82 95 No 24 25 55 35 22 18 3 5 0 0 17 5
Figure 51: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 92 100 80 92 92 97 94 91 97 100 94 94 No 7 0 19 8 8 2 6 9 3 0 6 6 Don’t know 0 0 1 0 0 1 0 0 0 0 0 0
Figure 52: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 23 33 14 19 16 22 24 22 19 36 49 33 The same 60 33 66 64 62 61 58 68 65 50 47 52 Less 17 33 19 17 22 17 18 9 16 14 4 15 Base : Unwtd 1047 3 67 180 327 122 88 41 31 36 92 60
Figure 53: I3. Who is your main Internet Service provider? iG Central do Cliente
3 0 3 3 4 3 6 5 0 0 1 0
UOL Central do Assinante
13 33 3 11 15 18 14 20 13 3 14 8
Pi velox 26 0 34 23 28 23 18 37 35 42 16 32 Terra ISP 17 33 12 17 15 16 17 12 23 17 29 17 Others 15 0 22 13 14 18 24 15 23 17 9 8
Figure 54: I4. Which is your most frequently used search engine? Google 86 100 87 87 87 84 89 88 94 92 76 82
MSN 7 0 7 7 7 8 7 5 0 3 7 8
UOL Busca 1 0 0 0 1 1 0 2 0 3 0 0
Bing Web 1 0 1 0 1 0 0 0 3 0 1 2
Ask.com 0 0 0 1 1 0 1 0 0 0 0 0
Yahoo! Search 4 0 0 3 3 5 2 2 3 3 11 5
Globo Busca 0 0 0 0 0 0 0 0 0 0 2 0
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 20
Brazil: Telecommunications Figure 55: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Yes, I pay for it 91 100 88 89 93 91 98 97 94 95 90 82 Yes, employer pays 1 0 0 0 1 1 0 0 3 3 2 0 Yes, somebody else pays
2 0 5 2 2 4 1 3 3 0 1 7
No, I do not 6 0 7 9 5 4 1 0 0 3 7 12 Base : Unwtd 1337 4 152 266 405 143 89 38 33 37 110 60
Figure 56: H3. What brand is your current mobile handset? Foreign 97 100 91 95 98 98 100 100 97 100 99 100
Nokia 30 100 38 28 32 23 40 29 30 25 23 32
Samsung 23 0 28 20 22 23 20 32 30 33 19 25
Local 2 0 6 4 1 2 0 0 3 0 1 0
Base 1260 4 141 242 386 137 88 38 33 36 102 53
Figure 57: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 38 100 25 28 46 43 44 0 50 56 40 27 No 62 0 75 72 54 57 56 100 50 44 60 73 No Response 0 0 0 0 0 0 0 0 0 0 0 0 Figure 58: H12. Which brand of Smartphone handset will you buy? Foreign 73 100 65 72 78 71 76 93 49 89 59 82 Nokia 21 0 19 20 22 32 18 31 17 21 20 5 Samsung 23 50 30 23 24 18 18 23 8 42 14 24 Local 0 0 2 1 1 0 0 0 0 0 0 0 Don’t Know 15 0 8 19 10 14 21 0 42 11 27 14 Base 537 2 63 107 160 57 39 13 12 19 44 21
Figure 59: H8. How much do you spend, on average, on mobile telephone bills per month?
75 61 5033 25
10 5 9
2528
3644
3840
37 3325
8 914
1617 21 18
14
15 13 21
19
11 18 24 1836
0%
20%
40%
60%
80%
100%
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% of
resp
onde
nts
Upto 20 R$ 20 - 40 R$ 40 - 70 R$ 70 - 100 R$ More than 100 R$
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 21
Brazil: Travel Figure 60: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
2512
2840 39 41
67
44
73
100
29
4861 56
69
9075 80
0
20
40
60
80
100
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 61: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
At home 37 0 72 72 42 24 17 9 0 17 23 42 Elsewhere in the country
58 100 28 27 58 69 74 76 93 72 63 58
International destination
5 0 0 1 1 6 10 15 7 10 15 0
Base : Unwtd 516 1 18 79 171 62 42 33 14 29 48 19
Figure 62: J4. What was the main form of transport that you used to reach you holiday destination? Car 40 0 0 36 50 43 46 27 29 38 30 45 Bus 21 0 40 50 31 15 9 3 7 8 14 36 Train 0 0 0 0 0 0 0 0 0 0 0 0 Aeroplane 2 0 0 0 1 6 6 0 0 0 0 0 Other 37 100 60 9 18 36 40 70 64 54 57 18 Base : Unwtd 326 1 5 22 100 47 35 30 14 24 37 11
Figure 63: J7. Where are you planning to go for your next holiday? At home 21 25 37 41 23 14 1 9 4 3 16 29 Elsewhere in the country
75 75 63 59 77 78 93 84 96 78 75 64
International destination
4 0 0 0 0 8 6 7 0 19 9 7
Base : Unwtd 793 4 43 133 261 90 70 44 24 32 64 28
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 22
Brazil: Property Figure 64: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Yes 75 67 72 62 71 77 88 100 89 84 85 95 No 25 33 28 38 29 23 12 0 11 16 15 5 Base : Unwtd 1259 3 127 247 396 135 83 43 28 32 110 55
Figure 65: K2. If you do not own your own property, on what terms do you occupy the property? Rented 91 100 94 95 92 87 70 0 100 60 82 67 Mortgaged 0 0 0 0 0 0 0 0 0 0 0 0 Borrowed 9 0 6 5 8 13 30 0 0 40 18 33 Base : Unwtd 317 1 36 95 116 31 10 0 3 5 17 3
Figure 66: K3. What is the market value of the property? Up to R$ 100,000 25 0 67 41 28 15 7 0 4 4 4 6 R$ 100,000 – 300,000
41 50 19 36 49 55 48 49 44 41 30 23
R$ 300,000 – 500,000
10 0 2 0 6 17 30 30 16 19 18 0
R$ 500,000 –800,000
3 50 1 1 1 3 3 12 12 7 4 0
More than R$ 800,000
2 0 0 0 0 1 3 2 8 22 3 2
Don’t Know 20 0 11 22 17 9 10 7 16 7 40 69 Base : Unwtd 942 2 91 152 280 104 73 43 25 27 93 52
Figure 67: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 22 0 32 31 16 11 17 14 0 33 32 33 First-time home 48 0 56 51 61 59 44 14 29 17 16 0 Investment 13 100 4 5 10 16 22 14 43 25 16 33 Change of location 9 0 8 7 7 7 17 14 0 8 8 33 Base : Unwtd 290 1 25 55 87 44 18 7 7 12 25 9
Figure 68: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 50 33 46 50 55 47 51 60 46 53 44 29 No Change 26 0 19 26 26 25 33 26 32 38 30 29 Decrease 17 67 25 19 15 20 13 12 18 6 14 15 Don’t know 7 0 9 5 5 7 4 2 4 3 13 27 Base : Unwtd 1259 3 127 247 396 135 83 43 28 32 110 55
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 23
Figure 69: K5. Do you or your household intend to purchase a property in the next 2 years?
3320 22 22 33 22 16 25
38
6780 78 78 67 78 84 75
63
0%
20%
40%
60%
80%
100%
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
No
Yes
Source: Company data, Credit Suisse estimates
Figure 70: K4 & K7 – Property Financing: ALL CASH
51
30 31 3325
2116
26
16 189
18
614
29
00
10
20
30
40
50
60
R$ 490 - R$ 1,141 R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 71: K4 & K7 – Property Financing: CASH + CREDIT
1925
3138
47 49 4452
28
53 48 50
83
57 57 58
0
20
40
60
80
R$ 490 - R$ 1,141 R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 72: K4 & K7 – Property Financing: ALL CREDIT
5
17 15 1216
1216
11
52
20
3227
11 14
0
42
0
10
20
30
40
50
R$ 490 - R$ 1,141 R$ 1,142 - R$1,630
R$ 1,631 - R$3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 24
Brazil: Education Figure 73: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Public 65 100 76 78 71 58 43 38 29 27 59 63 Private 33 0 18 21 26 41 59 63 67 80 41 38 None of these 3 0 6 2 4 3 0 0 4 0 2 0 Base : Unwtd 705 3 79 130 223 73 54 16 24 15 56 32
Figure 74: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 24 33 5 18 19 23 43 50 42 60 43 19 No 76 67 95 82 81 77 57 50 58 40 57 81 Base : Unwtd 705 3 79 130 223 73 54 16 24 15 56 32
Figure 75: L4. Do you yourself currently participate in any adult continuing education? Yes 11 0 8 8 10 13 16 29 13 19 9 14 No 89 100 92 92 90 87 84 71 87 81 91 86 Base : Unwtd 1308 4 145 261 409 139 91 38 31 32 101 57
Figure 76: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 19 25 17 14 16 19 26 18 19 34 27 32 About the same 68 50 63 67 73 73 63 76 81 63 60 51 Less 13 25 20 20 11 9 11 5 0 3 13 18 Base : Unwtd 1308 4 145 261 409 139 91 38 31 32 101 57
Figure 77: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
25
1714
1619
26
18 19
34
25
20 20
119
11
5
03
0
10
20
30
40
Less than R$489
R$ 490 - R$1,141
R$ 1,142 - R$1,630
R$ 1,631 -R$ 3,260
R$ 3,261 - R$4,890
R$ 4,891 - R$6,520
R$ 6,521 - R$8,150
R$ 8,151 - R$11,410
More than R$11,411Sp
endi
ng o
n ed
ucat
ion
& tr
aini
ng
in th
e ne
xt 1
2 m
onth
s (%
of
hous
ehol
ds)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 25
Brazil: Healthcare Figure 78: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Less than
R$ 489
R$ 490 - 1,142
R$ 1,142 - 1,630
R$ 1,631 - 3,260
R$ 3,261 - 4,890
R$ 4,891 - 6,520
R$ 6,521 - 8,150
R$ 8,151 - 11,410
More than R
$ 11,411
Would prefer not to
answer
D.K
Yes 65 100 85 76 70 61 43 31 44 26 54 49 No 35 0 15 24 30 39 57 69 56 74 46 51 Base : Unwtd 1209 3 138 250 365 128 87 35 25 31 96 51 Figure 79: M2. What services, if any, could you get free from the state? Hospital 87 100 93 85 88 83 86 91 73 63 87 84 Emergency Room 90 67 94 91 92 88 92 100 73 88 87 76 Prescriptions 66 33 73 59 72 71 62 73 55 75 50 40 Vaccinations 68 67 81 64 68 78 65 73 45 88 58 40 Diagnostic tests 58 33 63 56 61 62 59 82 45 63 42 40 Base : Unwtd 789 3 117 190 257 78 37 11 11 8 52 25
Figure 80: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 29 33 29 22 25 26 36 31 16 35 47 41 No 71 67 71 78 75 74 64 69 84 65 53 59 Base : Unwtd 1209 3 138 250 365 128 87 35 25 31 96 51 Figure 81: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 6 0 7 5 4 4 5 3 0 0 24 2 Same 37 0 23 31 39 40 39 37 48 58 39 47 Less 58 100 70 64 57 56 56 60 52 42 38 51 Base : Unwtd 1209 3 138 250 365 128 87 35 25 31 96 51 Figure 82: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Wouldn’t pay extra 80 100 93 89 81 82 62 66 68 55 63 73 1-10% extra 15 0 7 8 15 16 31 29 20 13 24 16 11-20% extra 3 0 0 3 2 1 6 6 12 3 9 6 21-30% extra 1 0 0 0 1 1 1 0 0 6 2 0 More than 30% extra 1 0 0 0 1 1 0 0 0 23 2 6 Base : Unwtd 1209 3 138 250 365 128 87 35 25 31 96 51
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 26
China An educated consumer Optimism among consumers in China has remained relatively robust. This may come as a surprise given the performance of the economy, its stock market and the political transition. However, this story reflects an uplift in sentiment in the low income brackets rather than a major change of outlook among the richest of consumers.
The weighted net balance of respondents expecting an improvement versus deterioration in their financial circumstances increased from 37% to 43%. However, we highlight the substantial change in fortunes among the poorer consumer, with net responses increasing by 10%–20%. This would of course tie in with the initiatives flowing from the Five Year Plan to boost real incomes among the poor.
However, this is not to say that the fortunes of higher income earners have gone into reverse. Household income is estimated as having grown at 4%–5% and expected by the same consumers to be closer to 6%–7% looking forward. In this regard, the disparity of incomes focused on by policymakers is not disappearing in a hurry.
In terms of the allocation of income, one feature remains unchanged and that is the attitude toward savings, which still represents an overwhelming home for income, with around a third of income recorded as heading for savings. Only Saudi Arabia comes to close to this.
There are two themes apparent in terms of spending (rather than saving) – technology and education. The increase in spending on smartphones is stronger than in any country in the survey, with numbers showing purchases up 18% versus a year ago. Moreover, the level of ownership and internet penetration suggests further scope for growth. Spending on education runs closely behind with a 13% increase. While a perception of conspicuous consumption is often associated with the Chinese consumer, the reality is a “smart consumer” who is increasingly well educated and technologically advanced.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 27
China: Spending sentiment Figure 83: Country product purchasing in 2012 vs survey average
Carbonated drinksBeer
Spirits
Dairy
CosmeticsFashion apparelSports shoes
Watches Perfume
Computers
Mobile phones
SmartphoneInternet access
Holidays
Property
Extra education
Private healthcare
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in C
hina,
2012
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in China
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey.
Figure 84: Country product purchasing in 2012 vs change over 2011
Carbonated drinksBeer
Spirits
DairyCosmetics
Fashion apparel
Sports shoesWatches
Perfume
Computers
Mobilephones
Smartphone
Internet access
HolidaysProperty
Extra education
Cars
-10
-5
0
5
10
15
20
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item Source: Credit Suisse Emerging Consumer Survey.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 28
China: Demographics Figure 85: A6. Could you please tell me your age? Figure 86: N2. What is your total after tax monthly
income?
26
41
20
13
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
25 6
8
12 119
16 17
11
0
10
20
Und
er R
MB
2000
(150
0)
RM
B 20
00-
2999
(249
9.5)
RM
B 30
00-
3999
(349
9.5)
RM
B 40
00-
4999
(449
9.5)
RM
B 50
00-
5999
(550
0)
RM
B 60
00-
6999
(650
0)
RM
B 70
00-
7999
(750
0)
RM
B 80
00-
9999
(900
0)
RM
B 10
000-
1499
9(1
2500
)Ab
ove
RM
B15
000
(200
00)
% o
f res
pond
ents
Note: Sample size: 2585 respondents across 10 geographical regions
Figure 87: Urban / Rural split Figure 88: Male / Female split
30
70
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
50 50
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 89: A9. How many people live in your household? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to answer
D.K
1 3 18 6 5 1 3 3 2 2 1 3 0 1 2 10 24 9 12 14 12 11 10 9 8 6 7 4 3 44 30 43 40 39 44 47 47 52 46 39 33 35 4 22 8 23 23 22 22 21 25 19 23 21 27 29 5 or more 21 20 19 19 24 20 18 16 18 22 32 33 31
Mean 3.49 2.88 3.39 3.38 3.53 3.44 3.4 3.43 3.43 3.56 3.72 3.87 3.85
Figure 90: A12. How many children does your household have? 1 86 58 78 60 75 84 94 95 92 93 83 90 75 2 14 42 23 40 23 16 6 5 8 7 15 10 25 3 1 0 0 0 3 1 0 0 0 0 2 0 0 4 0 0 0 0 0 0 0 0 0 1 0 0 0 5 or more 0 0 0 0 0 0 0 0 0 0 0 0 0 Mean 1.15 1.42 1.23 1.4 1.28 1.17 1.06 1.05 1.08 1.09 1.2 1.1 1.25
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 29
Figure 91: A15. In your opinion is now a good time to make a major purchase?
249 13 15 14 13 13 13 10 10
3836
51 50 50 51 55 56 59 60
28 5032 33 33 35 30 28 29 27
0%
20%
40%
60%
80%
100%
Under RMB2000
RMB 2000-2999
RMB 3000-3999
RMB 4000-4999
RMB 5000-5999
RMB 6000-6999
RMB 7000-7999
RMB 8000-9999
RMB 10000-14999
Above RMB15000
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 92: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
24
-9
27 30 28 27
36 38 38 39
-10
0
10
20
30
40
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
Source: Company data, Credit Suisse estimates
Figure 93: A16. Do you think the state of your own finances over the next 6 m will be better, worse or about the same?
34 37 38 40 38 43 44 48 49 56
4657 56 54 57 55 51 47 46 41
20
0%
20%
40%
60%
80%
100%
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
Better About the same Worse
Source: Credit Suisse survey. NB: Income brackets based on average monthly household income.
Figure 94: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
14
31 32 34 3341 39
43 4453
0
20
40
60
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey. NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 30
China: Income and Other Figure 95: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Bank account 88 66 69 81 83 89 92 93 94 90 88 77 86 Life insurance 23 10 11 15 22 17 23 24 26 31 29 23 18 Stock market 14 8 5 7 6 7 13 11 17 24 18 27 12 Cash 21 8 9 15 17 25 26 23 21 22 24 20 9 Mutual Fund 11 0 3 6 5 8 11 8 11 17 18 23 6 Treasury bond 5 0 3 1 2 3 5 3 6 7 10 10 4 Property 8 0 2 4 2 4 4 6 8 13 24 17 5 No extra saving 6 26 20 14 12 5 2 2 3 2 1 13 6 Collectables 3 0 1 1 1 1 1 2 4 5 8 7 3 Gold / Jewellery 5 0 0 1 2 2 2 5 7 8 12 7 5 Base : Unwtd 2550 50 127 154 203 318 272 217 398 431 272 30 78 Figure 96: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 2 10 6 2 2 0 1 0 2 1 3 0 1 -10% to -20% 2 4 4 5 2 3 1 2 4 1 1 0 6 -10% to flat 3 2 5 2 7 6 4 0 2 2 1 3 5 Unchanged 63 70 64 68 68 67 71 64 63 58 46 60 64 Flat to +10% 13 8 9 16 9 13 13 16 14 15 10 13 10 +10 to +20% 11 4 9 5 6 7 6 12 11 17 22 13 8 +20 to +30% 4 0 3 1 1 3 3 3 3 4 11 7 3 30%+ 2 2 1 1 2 1 0 2 2 2 6 3 1 Base : Unwtd 2550 50 127 154 203 318 272 217 398 431 272 30 78 Figure 97: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 0 0 1 0 1 0 0 0 0 0 1 0 0 -10% to -20% 1 2 2 3 1 0 1 1 1 1 1 0 1 -10% to flat 1 0 2 1 3 2 1 2 1 1 1 3 1 Unchanged 53 78 57 58 56 61 51 49 56 47 40 47 67 Flat to +10% 17 6 13 16 19 16 22 22 14 21 12 20 10 +10 to +20% 17 8 13 14 14 14 17 17 17 19 24 23 12 +20 to +30% 6 4 6 4 3 5 6 6 7 6 10 3 1 30%+ 4 2 4 5 2 2 1 3 5 4 12 3 6 Base : Unwtd 2550 50 127 154 203 318 272 217 398 431 272 30 78
Figure 98: N5. What proportion of your spending is done via credit cards? 0-5% 9 6 9 14 9 5 7 6 10 12 7 10 13 6-10% 9 4 5 6 8 8 10 11 9 14 12 0 5 11-15% 3 0 2 2 2 3 3 1 3 3 3 0 1 16-20% 4 0 2 3 4 2 4 4 6 5 7 0 1 21-25% 3 0 2 4 3 2 3 3 3 5 4 3 0 More than 25% 10 0 4 1 6 8 7 8 10 15 26 10 0 No credit card 59 88 75 68 64 68 63 60 58 45 42 73 65 Mean % exp 15 5 12 10 14 15 14 15 15 15 19 17 5 Base : Unwtd 2550 50 127 154 203 318 272 217 398 431 272 30 78
Figure 99: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 37 17 25 34 35 35 31 36 40 37 46 38 15 Staying the same 56 67 53 62 54 58 63 62 54 56 46 63 74 Decreasing 8 17 22 4 10 7 6 2 6 8 8 0 11 Base : Unwtd 1052 6 32 50 74 102 101 86 169 238 159 8 27
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 31
China: Automobiles Figure 100: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Yes 25 10 6 13 15 21 21 18 22 33 51 19 38 No 75 90 94 87 85 79 79 82 78 67 49 81 62
Figure 101: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 30 16 36 30 37 28 36 27 30 27 31 31 30 No 70 84 64 70 63 72 64 73 70 73 69 69 70
Figure 102: B3. How many cars do you own in your household? 1 83 100 100 100 88 90 84 85 93 84 68 80 61 2 14 0 0 0 4 5 12 12 6 14 27 20 30 3 or more 4 0 0 0 8 5 4 3 1 3 4 0 9
Figure 103: B5. How long ago did you purchase this car? 1 year or less 28 0 17 18 27 27 33 27 32 24 31 20 26 2 to 4 years 56 40 83 47 62 55 49 58 61 62 51 40 48 5 to 7 years 11 40 0 29 12 12 12 9 4 9 14 0 13 8 to 10 years 5 20 0 6 0 5 6 6 3 5 3 20 9 More than 10 years ago
1 0 0 0 0 2 0 0 0 0 2 20 4
Base : Unwtd 526 5 6 17 26 60 49 33 71 117 114 5 23
Figure 104: B7. How did you finance it? All Cash 80 60 83 82 96 82 76 76 79 81 78 80 78 Cash + Credit 14 40 0 6 4 12 22 24 15 14 14 20 4 All Credit 1 0 0 0 0 2 0 0 3 1 3 0 0 Part Exchange 1 0 17 0 0 0 2 0 0 1 3 0 0 Don’t Know 3 0 0 12 0 5 0 0 3 3 3 0 17 Base : Unwtd 526 5 6 17 26 60 49 33 71 117 114 5 23
Figure 105: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
0 4 2 16 5 2 4 6 9
29 8 12 9 12 12 8
20 23
2
15 15 1712 14 16 15 15 1112 8 12 15 19 22 19
2519 16
84
62 6054 53
45 47 4640 40
0102030405060708090
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 32
Figure 106: B4. What brand is the car your household last purchased? Foreign Cars 75 60 84 60 63 62 79 72 78 79 85 60 56 Volkswagen 19 40 0 24 15 13 27 21 24 17 19 20 17 Hyundai 9 0 50 6 0 5 10 6 15 9 8 20 0 Honda 8 0 0 0 12 7 8 6 11 5 10 20 13 Local Cars 17 40 0 18 28 29 18 21 14 15 13 20 26 Chery 4 0 0 6 12 3 4 15 4 4 1 0 4 Bingjing-hyundai 3 40 0 6 0 5 0 3 1 3 1 0 4 Changansuzuki 3 0 0 0 4 3 8 0 1 2 2 0 9 Base : Unwtd 526 5 6 17 26 60 49 33 71 117 114 5 23
Figure 107: B16. How do you plan to finance the upcoming car purchase? All Cash 52 0 71 38 32 59 45 46 47 55 59 67 50 Cash + Credit 42 100 29 54 59 39 48 46 47 37 37 33 38 All Credit 2 0 0 0 0 2 3 4 3 2 1 0 0 Part Exchange 1 0 0 0 5 0 0 0 3 1 1 0 0 Don’t Know 3 0 0 8 5 0 5 4 0 4 1 0 13 Base : Unwtd 371 1 14 13 22 41 40 26 38 91 71 6 8
Figure 108: B17. How much do you plan to spend on the car you or your household is planning to purchase? Upto RMB 100000 19 0 7 46 45 27 13 38 16 14 8 0 25 RMB 100’000 - 400’000
68 100 93 54 50 54 73 54 68 77 76 33 63
RMB 400’00 – 700’000
8 0 0 0 0 17 10 8 13 4 8 50 0
RMB 700’000 – 1’000’000
1 0 0 0 0 0 0 0 0 1 6 0 0
More than RMB 1’000’000
0 0 0 0 0 2 0 0 0 0 0 0 0
Base : Unwtd 371 1 14 13 22 41 40 26 38 91 71 6 8
Figure 109: B15. Which car brand are you most likely purchase? Foreign Cars 81 100 82 91 75 77 77 81 87 83 85 91 92
Volkswagen 17 0 15 32 17 10 12 15 14 21 16 20 20
Hyundai 13 100 15 16 6 19 10 15 18 12 8 10 10
Toyota 8 0 10 5 6 5 12 15 7 9 6 10 10
Audi 7 0 10 5 0 10 2 3 14 6 11 10 0 Local Cars 17 0 10 5 21 17 25 18 14 13 8 10 0 BYD 4 0 5 0 6 3 2 8 3 6 2 0 0 Base : Unwtd 371 1 14 13 22 41 40 26 38 91 71 6 8
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 33
China: Food & Beverage Figure 110: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Drinks: Yes 75 43 68 70 71 77 72 74 81 79 80 73 68
Drinks: No 25 57 32 30 29 23 28 26 19 21 20 27 32
Drinks: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Beer: Yes 67 50 62 75 62 64 69 65 69 69 75 45 46
Beer: No 33 50 38 25 38 36 31 35 31 31 25 55 54
Beer: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Bottled Water: Yes 82 60 77 91 86 78 78 77 84 83 86 77 80
Bottled Water: No 18 40 23 9 14 22 22 23 16 17 14 23 20
Bottled Water:Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Spirits: Yes 15 7 15 20 10 12 10 16 12 16 25 27 17
Spirits: No 85 93 85 80 90 88 90 84 88 84 75 73 83
Spirits: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Dairy: Yes 80 62 76 82 81 81 81 74 83 82 84 91 66
Dairy: No 20 38 24 18 19 19 19 26 17 18 16 9 34
Dairy: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Figure 111: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 79 68 76 71 78 80 81 79 82 80 80 73 82 Coca-Cola 22 21 21 20 21 23 23 20 24 22 24 19 27 Drinks - Local 20 28 24 28 21 19 19 21 18 19 18 27 19
Wahaha 4 6 6 6 6 5 5 4 5 3 3 6 3
Mizone 7 5 8 9 7 5 7 8 6 8 8 13 8 Drinks - Base 1408 18 69 85 105 182 133 119 215 259 167 16 40 Beer - Foreign 24 13 9 16 17 21 30 17 23 29 32 38 32 Budweiser 11 3 3 4 6 8 12 6 11 15 15 12 15 Beer - Local 73 89 87 81 79 79 70 82 75 68 66 62 67 Tsingtao 23 15 27 24 23 25 21 24 22 24 23 23 15 Snow 20 31 19 25 23 21 20 26 18 18 16 19 14 Yanjing 11 9 17 11 14 10 10 11 11 11 11 12 10 Beer - Base 1252 21 63 91 91 150 128 104 183 227 157 10 27 Water - Foreign 4 0 3 4 5 4 5 3 4 5 6 3 2 Water - Local 97 100 97 97 97 97 96 98 95 94 94 98 98 Nongfu Spring 34 32 30 35 30 32 33 32 35 37 35 36 35 Master Kong 25 30 33 26 30 27 24 28 25 22 18 21 24 Wahaha 13 11 16 12 14 12 15 12 14 12 11 18 9 Water - Base 1532 25 78 111 126 184 145 123 224 272 180 17 47 Spirits - Foreign 16 0 0 2 11 8 12 11 14 29 28 20 20 Spirits - Local 82 100 101 90 90 93 87 89 85 70 74 81 73 Niulanshan 10 0 8 15 10 12 7 17 11 11 7 10 7 Maotai 6 33 5 2 5 9 11 2 5 6 9 0 20 Wuliangye 6 0 13 12 0 3 0 7 6 6 10 0 0 Luzhoulaojiao 7 0 5 5 10 7 7 13 6 7 6 10 7 Spirits - Base 279 3 15 25 15 28 18 25 31 51 52 6 10 Dairy - Foreign 7 4 4 4 8 9 8 6 10 8 11 13 5 Dairy - Local 92 97 94 96 93 94 92 95 89 90 90 87 94 Mengniu 31 33 35 36 33 31 31 31 29 31 28 37 31 Yili 28 22 25 31 30 27 29 28 26 27 29 34 28 Bright 15 8 9 8 11 13 14 16 20 18 12 5 11 Dairy - Base 1505 26 77 100 119 191 150 118 221 269 175 20 39
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 34
Figure 112: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Drinks: Yes 27 14 29 23 25 30 24 21 30 28 32 14 25 Drinks: No 73 86 71 77 75 70 76 79 70 72 68 86 75
Drinks: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Beer: Yes 26 10 26 28 24 24 19 19 28 29 35 23 19
Beer: No 74 90 74 72 76 76 81 81 72 71 65 77 81
Beer: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Water: Yes 41 21 40 44 44 40 33 39 40 45 48 50 39
Water: No 59 79 60 56 56 60 67 61 60 55 52 50 61
Water: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Spirits: Yes 8 2 7 9 7 6 8 9 8 9 11 9 10
Spirits: No 92 98 93 91 93 94 92 91 92 91 89 91 90
Spirits: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Dairy: Yes 49 38 45 50 54 49 42 39 58 50 52 45 36
Dairy: No 51 62 55 50 46 51 58 61 42 50 48 55 64
Dairy: Base 1877 42 101 122 147 236 185 160 267 327 209 22 59
Figure 113: C4. What % of your diet is made up of meat? 0% 1 10 0 0 2 2 1 0 0 1 2 0 0 0-5% 18 38 32 16 27 19 17 14 15 15 10 18 27 6-15% 29 17 33 36 31 32 30 31 30 25 31 18 17 16-25% 16 12 12 15 14 15 21 15 16 22 16 18 8 More than 25% 33 21 23 30 24 30 30 38 37 37 40 41 36
Figure 114: C5. How do you think your meat consumption is likely to change over the next 12 months?
1222 21 27 25 30 32 25 23 20
5755 55 51 56 52 54 57 57 55
31 23 24 22 19 18 15 18 19 25
0%
20%
40%
60%
80%
100%
Under RMB2000
RMB 2000-2999
RMB 3000-3999
RMB 4000-4999
RMB 5000-5999
RMB 6000-6999
RMB 7000-7999
RMB 8000-9999
RMB 10000-14999
Above RMB15000
Plan
ned s
pend
on m
eat in
12
mont
hs (%
of po
p. lik
ely to
ch
ange
intak
e)
More The same Less
Figure 115: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
-19
-1 -3
5 6
1217
74
-5
-20
-10
0
10
20
Under RMB2000
RMB 2000-2999
RMB 3000-3999
RMB 4000-4999
RMB 5000-5999
RMB 6000-6999
RMB 7000-7999
RMB 8000-9999
RMB 10000-14999
Above RMB15000
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 35
China: Home & Personal Care Figure 116: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Tissues: Yes 85 79 84 90 86 82 84 82 86 87 88 76 81 Tissues: No 15 21 16 10 14 18 16 18 14 13 12 24 19 Tissues: Base 2176 43 111 131 173 285 239 180 337 356 233 25 63
Fem Hygiene: Yes 75 52 66 65 77 73 74 83 78 76 85 67 64 Fem Hygiene: No 25 48 34 35 23 27 26 17 22 24 15 33 36 Fem Hygiene: Base 1073 29 50 72 88 158 116 84 166 173 92 9 36 Cosmetics: Yes 47 28 35 44 49 45 46 44 47 53 56 48 38 Cosmetics: No 53 72 65 56 51 55 54 56 53 47 44 52 62 Cosmetics: Base 2176 43 111 131 173 285 239 180 337 356 233 25 63
Figure 117: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 15 9 9 11 11 12 15 11 19 18 14 14 6 Tissues - Local 84 85 83 89 87 86 82 88 79 81 83 84 87 Xinxinxiangyin 31 18 31 37 32 32 34 34 29 28 33 30 22 Qingfeng 22 25 17 20 24 21 26 24 24 25 18 16 22 Tissues - Base 1849 34 93 118 149 235 201 147 290 308 204 19 51 Fem Hygiene - Foreign
39 41 29 46 34 39 39 35 43 41 33 48 38
Whisper 25 18 24 34 20 23 27 26 26 24 24 19 26 Fem Hygiene - Local 60 55 70 55 63 60 59 65 56 59 66 53 61 Sofy 14 5 10 7 10 13 14 15 17 17 20 0 9 Spacez 14 5 15 9 12 13 16 20 11 13 16 24 16 ABC 9 18 5 6 10 6 7 8 10 10 13 5 19 Fem Hygiene - Base 803 15 33 47 68 115 86 70 130 132 78 6 23 Cosmetics - Foreign 55 42 42 48 53 54 53 51 58 63 59 55 49 Olay 11 5 8 10 9 15 12 7 14 11 10 10 4 L'Oreal 12 5 8 6 12 9 11 10 13 14 14 17 7 Cosmetics - Local 44 47 55 53 46 47 49 50 41 37 42 45 51 Dabao 9 16 14 13 5 11 10 11 7 6 8 17 9 Tjoy 7 5 9 13 10 8 9 9 7 7 3 7 4 Cosmetics - Base 1021 12 39 57 84 128 109 80 158 187 131 12 24 Figure 118: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 41 37 40 48 47 43 41 32 40 41 46 40 30 Tissues: Base 2176 43 111 131 173 285 239 180 337 356 233 25 63 Fem Hygiene: Yes 33 34 26 28 38 33 29 33 31 34 42 11 28 Fem Hygiene: Base 1073 29 50 72 88 158 116 84 166 173 92 9 36 Cosmetics: Yes 27 21 20 22 29 28 29 26 26 29 33 28 21 Cosmetics: Base 2176 43 111 131 173 285 239 180 337 356 233 25 63
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 36
China: Luxury Goods Figure 119: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Fashion: Yes 47 18 45 45 44 46 46 44 48 54 56 58 45 Fashion: No 53 82 55 55 56 54 54 56 52 46 44 42 55 Fashion: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49
Leather: Yes 35 16 32 30 31 31 33 34 40 38 45 32 39 Leather: No 65 84 68 70 69 69 67 66 60 62 55 68 61 Leather: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49 Sportswear: Yes 49 21 41 46 53 50 52 48 51 48 56 47 47 Sportswear: No 51 79 59 54 47 50 48 52 49 52 44 53 53 Sportswear: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49 Watches: Yes 11 11 3 8 7 7 8 10 13 11 18 16 22 Watches: No 89 89 97 92 93 93 92 90 87 89 82 84 78 Watches: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49 Jewellery: Yes 10 5 8 5 11 8 8 6 9 12 19 16 10 Jewellery: No 90 95 92 95 89 92 92 94 91 88 81 84 90 Jewellery: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49
Perfumes: Yes 11 5 9 9 11 8 8 10 12 12 22 11 10 Perfumes: No 89 95 91 91 89 92 92 90 88 88 78 89 90 Perfumes: Base 1476 38 76 100 131 180 153 124 211 248 147 19 49
Figure 120: F3. If so, what brand was this / brands were these? Fashion - Foreign 35 38 9 19 30 27 43 32 36 46 43 40 18 Lacoste 6 0 0 2 4 7 12 3 7 9 5 7 4 Fashion - Local 61 62 81 68 68 62 54 65 62 53 53 40 63 Semir 6 0 9 7 7 7 2 10 10 4 6 0 11 Visudebg 6 12 7 5 4 7 8 8 4 4 5 7 4 Fashion - Base 700 7 34 45 57 83 70 55 101 133 82 11 22 Leather - Foreign 28 17 16 11 20 28 22 26 35 24 46 61 23 Chanel 3 0 3 0 0 3 3 3 1 5 5 10 0 Leather - Local 66 67 80 82 74 56 76 70 62 70 54 20 60 Red Dragonfly 12 0 26 14 16 8 10 16 9 11 11 20 12 Daphne 10 0 10 12 13 8 14 11 10 11 7 0 16 Leather - Base 520 6 24 30 40 56 51 42 85 95 66 6 19
Sportswear - Foreign 49 34 35 29 41 43 53 46 56 55 65 31 39 Adidas 20 13 14 11 18 17 21 18 24 22 26 12 24 Sportswear - Local 49 68 62 70 55 52 47 53 43 45 33 56 55 Lining 10 7 10 14 9 6 11 14 11 9 7 6 18 Sportswear - Base 723 8 31 46 69 90 79 59 108 118 83 9 23 Watches - Foreign 58 0 33 60 40 32 56 62 65 65 71 0 46 Swatch 6 0 0 9 10 6 15 0 9 0 6 0 13 Tissot 6 0 0 0 10 0 0 5 6 8 17 0 0 Watches - Local 39 75 67 43 50 60 42 25 33 32 26 100 40 Watches - Base 156 4 2 8 9 12 12 13 28 27 27 3 11 Jewellery - Foreign 10 0 0 0 4 9 5 18 4 17 10 25 20 Jewellery - Local 82 100 75 100 90 78 85 77 85 76 86 50 80 Chow Taifook 20 0 13 22 18 0 21 35 19 25 20 0 30 Jewellery - Base 147 2 6 5 14 14 13 8 19 30 28 3 5 Perfumes - Foreign 59 0 20 69 45 37 50 81 65 67 68 50 40 Perfumes - Local 35 100 70 31 51 37 43 19 34 30 25 50 40 Liushen 10 0 30 0 20 16 12 5 9 8 2 0 20 Perfumes - Base 168 2 7 9 15 15 13 12 26 30 32 2 5
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 37
Figure 121: F5. Thinking about these purchases, how much did you spend?
% of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Fashion: Up to RMB 200
15 71 24 29 25 23 19 2 7 11 4 27 18
Fashion: RMB 200 - 500
29 14 38 49 32 28 33 42 27 21 16 27 27
Fashion: RMB 500 - 1000
23 0 15 11 23 28 26 25 32 25 15 9 18
Fashion: RMB 1000 - 2000
16 14 21 7 7 13 13 18 19 18 28 0 14
Fashion: More than RMB 2000
13 0 3 4 9 4 9 11 14 23 27 36 5
Fashion: Mean Exp R$
847 407 659 501 645 653 720 847 923 1027 1269 945 689
Leather: Up to RMB 200
23 67 50 50 25 23 27 19 19 17 3 17 42
Leather: RMB 200 - 500
30 17 29 33 43 41 35 29 33 24 18 33 21
Leather: RMB 500 - 1000
20 17 8 7 15 20 24 26 21 19 30 17 16
Leather: RMB 1000 - 2000
14 0 13 3 10 11 4 19 15 23 17 0 5
Leather: More than RMB 2000
9 0 0 7 3 4 8 5 9 15 23 17 0
Leather: Mean Exp R$
723 317 452 450 538 580 582 733 747 922 1102 730 422
Sportswear: Up to RMB 200
12 50 26 26 19 17 8 7 10 5 6 11 22
Sportswear: RMB 200 - 500
35 13 48 41 51 30 41 29 36 36 16 33 43
Sportswear: RMB 500 - 1000
31 38 26 22 14 38 28 46 32 33 37 33 9
Sportswear: RMB 1000 - 2000
12 0 0 4 7 10 11 10 12 17 18 11 17
Sportswear: Mean Exp R$
692 425 415 523 543 637 690 737 682 782 991 778 571
Watches: Up to RMB 200
29 75 100 63 33 33 58 31 21 11 4 100 36
Watches: RMB 200 - 500
9 0 0 13 22 8 8 0 11 0 7 0 36
Watches: More than RMB 500
55 25 0 0 33 59 33 53 65 82 81 0 18
Watches: Mean Exp R$
951 338 200 225 600 867 667 777 935 1504 1386 200 495
Jewellery: Up to RMB 500
37 50 84 20 42 14 62 13 32 43 28 33 40
Jewellery: RMB 500 - 1000
19 50 17 0 29 29 0 25 32 17 14 0 20
Jewellery: More than RMB 1000
37 0 0 80 28 57 38 63 37 26 36 33 40
Jewellery: Mean Exp R$
1004 475 317 1540 868 1279 862 1463 982 875 1123 1100 960
Perfumes: Up to RMB 200
35 100 57 78 47 33 38 33 31 20 16 50 80
Perfumes: RMB 200 - 500
22 0 29 11 33 40 15 33 15 23 16 0 20
Perfumes: More than RMB 500
37 0 14 11 20 14 38 33 46 50 56 50 0
Perfumes: Mean Exp R$
625 200 321 417 460 412 788 600 656 720 839 1100 230
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 38
Figure 124: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 125: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
3 31
56
8
2
8
5
12
0
5
10
15
20
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
8
4 43
5
86
8 8
14
0
5
10
15
20
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 126: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 127: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
8
11
45
68
76
10
16
0
5
10
15
20
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
29
36 34
40 4144
34
4542
48
0
10
20
30
40
50
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 122: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 123: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
34
5347 45 46
41 44 4248 50
0
10
20
30
40
50
60
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
16 16 16
10
16
12
1720
17
22
0
5
10
15
20
25
Unde
r RMB
2000
RMB
2000
-299
9
RMB
3000
-399
9
RMB
4000
-499
9
RMB
5000
-599
9
RMB
6000
-699
9
RMB
7000
-799
9
RMB
8000
-999
9
RMB
1000
0-14
999
Abov
e RMB
1500
0
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 39
China: Technology and Internet Figure 128: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
Up to 2500 3500 4500 5500 6500 7500 9000 More than 10000
Income (RMB)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 129: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Blu-Ray Player 0 0 0 1 2 0 0 1 1 0 0 0 0 Camcorder 3 0 4 2 2 2 2 3 4 5 4 0 2 Desktop computer 3 2 3 4 5 4 4 3 2 2 3 0 0 Digital Camera 6 0 5 8 10 6 7 4 6 8 8 4 6 DVD Player 1 0 1 2 1 0 2 1 1 1 1 0 3 E-Reader 1 0 0 2 1 1 2 2 1 1 1 0 0 Gaming facility 2 0 0 0 1 1 0 1 2 2 2 0 5 GPS/Navigation 1 0 1 0 0 0 2 1 2 1 4 0 0 Internet Service 2 2 0 2 1 2 2 2 2 1 1 4 3 Mobile Phone 2 6 1 2 1 2 2 2 2 1 0 0 2 Smartphone 16 8 15 17 14 14 15 13 15 19 21 11 12 MP3 1 0 2 2 1 2 1 1 2 1 1 0 0 Netbook 2 0 2 2 2 2 0 2 2 1 3 0 2 Notebook PC 10 2 7 10 13 9 12 9 12 12 10 7 8 Stereo HiFi 2 0 2 0 2 1 2 3 2 2 3 0 0 Traditional TV 0 2 0 0 0 1 0 0 0 1 0 0 0 LCD TV 9 5 7 6 11 10 8 8 8 9 8 7 8 Flat screen TV 2 5 1 2 0 2 2 2 2 2 3 0 0 Tablet 6 5 5 2 2 6 5 7 7 8 6 11 3 None of these 33 64 47 40 33 38 34 35 31 28 20 57 49 Figure 130: G6. Which brand of TV (LCD Flat screen) are you most likely to purchase? Foreign Brands 60 50 22 55 50 61 66 57 62 61 68 100 60 Samsung 16 0 11 11 8 23 21 17 17 14 12 50 20 Sony 13 0 11 0 8 16 17 17 8 12 16 0 40 Sharp 9 0 0 11 17 6 8 6 11 9 12 0 0 Philips 4 0 0 0 0 3 8 0 6 2 4 50 0 Local Brands 37 50 66 44 46 37 29 39 40 35 24 0 20 Changhong 9 0 11 0 17 6 4 11 11 9 8 0 20 Skyworth 8 0 33 0 8 6 8 11 6 9 4 0 0 Haier 7 0 0 0 21 6 4 11 6 5 8 0 0 Base : Unwtd 228 2 9 9 24 31 24 18 36 43 25 2 5
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 40
Figure 131: l6. What services have you used in the last 6 months?
5873 73
28 344339
57 61
10 1018
6554 5249 49 52
3 2 40
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 132: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Yes 70 36 51 58 67 63 70 71 74 78 83 70 75 No 30 64 49 42 33 37 30 29 26 22 17 30 25
Figure 133: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 90 59 75 86 89 86 87 90 95 97 93 95 89 No 9 35 25 14 10 14 13 10 5 3 7 5 9 Don’t know 0 6 0 0 1 0 1 0 0 0 0 0 2
Figure 134: IC3. What is your most frequently used payment method for e-commerce? Taobao’s Alipay 48 80 31 39 41 49 49 55 54 49 43 18 49 Bank’s debit cards
8 0 15 8 10 5 10 3 6 11 8 18 6
Cash on delivery
14 0 8 18 20 20 14 14 12 14 12 27 6
Chinapay (Union Pay)
13 0 19 16 13 10 13 14 10 10 18 18 20
Credit cards 7 0 4 5 6 5 4 7 7 10 13 0 6
Figure 135: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 33 6 19 19 36 31 33 34 33 37 38 20 29 The same 55 41 57 60 52 57 58 54 55 52 55 67 53 Less 12 53 23 22 12 12 8 11 12 11 7 15 18 Base 1587 17 61 84 125 177 172 135 255 295 192 21 53
Figure 136: I4. What is your most frequently used search engine? Baidu.com 66 71 70 74 66 65 67 73 68 64 60 71 60 sina.com 7 6 3 5 5 7 5 10 9 7 12 5 6 qq.com 4 6 2 4 7 6 4 4 2 3 4 0 6 google.com 4 0 3 2 6 4 5 2 2 5 6 10 8 sohu.com 3 0 5 2 2 5 5 1 3 4 3 0 0 taobao.com 3 0 7 4 2 3 4 1 1 4 3 10 4
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 41
China: Telecommunications Figure 137: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Yes, I pay for it 93 95 90 86 96 92 96 95 95 94 92 92 83 Yes, employer pays 1 0 0 2 1 2 0 1 1 1 4 0 2 Yes, somebody else pays
3 2 5 4 2 3 2 4 2 4 4 8 7
No, I do not 2 2 5 8 1 3 2 1 1 0 1 0 9 Base : Unwtd 1971 41 105 129 168 245 205 170 297 331 197 25 58
Figure 138: H3. What brand is your current mobile handset? Foreign 68 37 47 61 64 65 69 73 70 74 82 69 76
Nokia 25 21 21 28 36 26 24 30 19 24 21 27 35
Samsung 18 9 11 13 10 18 22 18 21 17 23 19 21
Local 26 47 43 34 33 27 23 23 25 21 23 23 20
Base 1928 40 100 119 167 237 201 168 293 330 195 25 53
Figure 139: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 67 40 63 58 57 70 70 69 67 76 74 50 60 No 33 60 37 42 43 30 30 31 33 24 26 50 40 Base : Unwtd 336 5 19 26 37 53 40 26 55 49 19 2 5 Figure 140: H12. Which brand of Smartphone handset will you buy? Foreign 85 67 80 81 83 82 88 95 87 83 92 80 82 Nokia 11 0 5 14 21 11 16 12 14 7 7 0 0 Samsung 25 50 38 23 26 30 18 26 20 23 25 30 27 Local 7 0 14 10 11 11 9 3 7 14 6 10 0 Dopod 0 0 0 0 0 0 0 0 0 0 0 0 0 Base 892 6 40 56 66 108 89 82 147 167 106 10 15
Figure 141: H8. How much do you spend, on average, on mobile telephone bills per month?
63 58 5841 42 36 27 29 24 11
30 29 3246 47 47 57 47
4237
11 9 11 10 14 13 22 2934
13
0%
20%
40%
60%
80%
100%
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
Income Bracket
RMB 50 or less RMB 51-100 RMB 101-250 RMB 251-500 More than RMB 500
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 42
China: Travel Figure 142: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
24 28 33 30 32 33 31 3547
61
15
37 38 38 36 41 3946
5260
0
20
40
60
80
Under RMB2000
RMB 2000-2999
RMB 3000-3999
RMB 4000-4999
RMB 5000-5999
RMB 6000-6999
RMB 7000-7999
RMB 8000-9999
RMB 10000-14999
Above RMB15000
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 143: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
At home 3 9 3 9 5 1 0 5 1 2 2 6 10 Elsewhere in the country
90 91 88 87 91 97 90 90 96 93 83 88 77
International destination
4 0 3 2 0 2 5 5 2 5 8 0 3
Base : Unwtd 883 11 33 46 56 94 82 61 125 182 147 16 30
Figure 144: J4. What was the main form of transport that you used to reach you holiday destination? Car 14 20 13 7 17 13 10 14 15 16 15 27 19 Bus 26 30 28 31 36 34 29 31 27 23 15 0 22 Train 33 40 31 52 32 31 30 28 38 32 28 33 37 Ship 1 0 0 0 0 0 2 3 1 1 0 0 0 Aeroplane 25 10 28 10 13 22 28 24 18 26 41 40 22 Other 1 0 0 0 2 0 0 0 1 1 1 0 0 Base : Unwtd 859 10 32 42 53 93 82 58 124 179 144 15 27
Figure 145: J7. Where are you planning to go for your next holiday? At home 2 0 2 2 6 0 2 1 1 2 1 0 3 Elsewhere in the country
85 86 98 94 89 90 83 93 89 83 72 80 72
International destination
5 0 0 2 1 6 8 1 4 3 12 13 3
Base : Unwtd 1011 7 44 54 70 105 102 76 163 200 146 15 29
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 43
China: Property Figure 146: K1. Do you or your family own a property? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Yes 77 61 73 76 68 76 82 76 76 83 81 71 77 No 23 39 27 24 32 24 18 24 24 17 19 29 23 Base : Unwtd 1884 41 101 122 148 241 194 160 283 312 195 21 66
Figure 147: K2. If you do not own your own property, on what terms do you occupy the property? Rented 76 69 63 79 74 85 62 79 84 81 62 33 80 Allocated 14 13 15 14 19 5 32 10 10 9 19 50 13 Borrowed 9 19 11 3 6 10 6 8 6 7 19 17 7 Base : Unwtd 431 16 27 29 47 59 34 39 68 54 37 6 15
Figure 148: K3. What is the market value of the property? Under RMB 100k 5 4 16 14 8 7 5 2 1 2 1 0 2 RMB 100k - 300k 12 12 20 29 20 18 16 12 5 6 3 0 4 RMB 300k - 500k 19 24 24 26 31 28 19 28 16 10 11 13 12 RMB 500k - 1m 26 16 15 16 15 24 25 35 32 28 33 26 16 More than RMB 1m 27 0 5 4 18 14 24 17 32 45 47 40 14 Don’t Know 12 44 19 11 9 10 11 6 13 9 6 20 53 Base : Unwtd 1453 25 74 93 101 182 160 121 215 258 158 15 51
Figure 149: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 40 75 50 37 25 42 54 44 32 44 39 33 10 First-time home 24 25 25 33 28 24 20 33 30 18 17 33 40 Investment 11 0 0 4 16 5 6 11 6 17 15 33 10 Change of location 22 0 17 22 28 21 20 11 30 14 25 0 40 Base : Unwtd 381 4 12 27 32 38 35 27 50 71 72 3 10
Figure 150: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 49 27 46 46 55 50 51 48 46 49 55 43 41 No change 25 24 22 25 18 23 30 28 30 27 23 24 15 Decrease 13 20 13 11 14 12 10 13 13 13 15 24 11 Base : Unwtd 1884 41 101 122 148 241 194 160 283 312 195 21 66
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 44
Figure 151: K5. Do you or your household intend to purchase a property in the next 2 years?
10 12 22 22 16 18 17 18 2337
90 88 78 78 84 82 83 82 7763
0%
20%
40%
60%
80%
100%
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 152: K4 & K7 – Property Financing: ALL CASH
52
69 67 65 7059 60 62 63 59
0
2515 13 8
20 15 1628 29
0
20
40
60
80
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 153: K4 & K7 – Property Financing: CASH + CREDIT
16 1222 22 22
30 28 23 2936
75
50
85 84 8269
85 8066 64
0
20
40
60
80
100
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 154: K4 & K7 – Property Financing: ALL CREDIT
41 1 1 0 1 1 0 1 00
17
03 3
6
02 3
00
5
10
15
20
Under RMB2000
RMB 2000 -2999
RMB 3000 -3999
RMB 4000 -4999
RMB 5000 -5999
RMB 6000 -6999
RMB 7000 -7999
RMB 8000 -9999
RMB 10000 -14999
Above RMB15000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 45
China: Education Figure 155: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Public 83 83 82 95 78 82 86 82 87 87 66 57 70 Private 12 17 3 0 11 13 11 13 9 8 25 43 20 None of these 6 0 15 5 11 4 3 5 4 5 9 0 10 Base : Unwtd 703 12 33 42 64 97 79 55 125 112 67 7 10
Figure 156: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 56 25 52 52 45 51 63 65 54 63 63 71 60 No 44 75 48 48 55 49 37 35 46 38 37 29 40 Base : Unwtd 703 12 33 42 64 97 79 55 125 112 67 7 10
Figure 157: L4. Do you yourself currently participate in any adult continuing education? Yes 13 7 7 11 12 9 10 12 12 14 19 32 23 No 87 93 93 89 88 91 90 88 88 86 81 68 77 Base : Unwtd 2071 46 103 124 167 260 233 181 330 337 206 22 62
Figure 158: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 17 2 7 15 16 14 19 18 17 17 25 18 19 About the same 75 78 75 72 76 78 76 76 77 77 67 82 66 Less 8 20 18 13 8 8 5 6 6 5 8 0 15 Base : Unwtd 2071 46 103 124 167 260 233 181 330 337 206 22 62
Figure 159: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
2
7
15 1614
19 18 17 17
25
2018
13
8 85 6 6 5
8
0
10
20
30
Under RMB2000
RMB 2000-2999
RMB 3000-3999
RMB 4000-4999
RMB 5000-5999
RMB 6000-6999
RMB 7000-7999
RMB 8000-9999
RMB 10000-14999
Above RMB15000Sp
endi
ng o
n ed
ucat
ion
& tr
aini
ng
in th
e ne
xt 1
2 m
onth
s (%
of
hous
ehol
ds)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013
China: Healthcare Figure 160: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Up to RMB 2000
RMB 2000 -
3000
RMB 3000 -
4000
RMB 4000 -
5000
RMB 5000 -
6000
RMB 6000 -
7000
RMB 7000 -
8000
RMB 8000 - 10000
RMB 10000- 15000
RMB 15000 +
Would prefer not to
answer
D.K
Yes 70 55 68 65 68 74 73 65 66 75 80 75 59 No 30 45 32 35 32 26 27 35 34 25 20 25 41 Base : Unwtd 1980 42 99 118 160 253 209 168 302 340 202 24 63 Figure 161: M2. What services, if any, could you get free from the state? Hospital 89 83 93 88 89 87 88 94 90 89 89 100 81 Emergency Room 48 26 22 29 31 42 44 43 54 67 57 56 43 Prescriptions 50 22 28 30 33 42 48 49 60 63 60 67 43 Vaccinations 25 13 16 18 21 26 23 17 28 26 31 44 35 Outpatient Service 54 35 27 45 39 54 52 49 60 67 57 61 54 Base : Unwtd 1393 23 67 77 109 186 153 109 198 254 162 18 37
Figure 162: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 29 19 44 43 32 29 25 19 28 28 27 33 27 No 71 81 56 57 68 71 75 81 72 72 73 67 73 Base : Unwtd 1980 42 99 118 160 253 209 168 302 340 202 24 63
Figure 163: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 11 10 13 12 10 9 8 11 13 11 11 8 8 Same 44 26 29 46 48 40 44 46 52 42 46 58 48 Less 45 64 58 42 42 51 48 43 36 47 43 33 44 Base : Unwtd 1980 42 99 118 160 253 209 168 302 340 202 24 63
Figure 164: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Wouldn’t pay extra 66 81 76 75 71 70 67 64 63 60 57 67 78 1-10% extra 23 10 19 18 24 23 23 29 26 24 22 21 14 11-20% extra 6 5 3 4 2 3 5 4 9 10 11 8 3 21-30% extra 2 0 1 1 1 2 2 2 1 4 5 0 2 More than 30% extra
2 5 1 2 2 2 3 2 1 2 4 4 3
Base : Unwtd 1980 42 99 118 160 253 209 168 302 340 202 24 63
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 47
India A sum of different parts Our overall barometer of optimism for India is relatively robust, though it represents the sum of very different parts with the outlook seen among the wealthy not shared among the poor. For the survey as a whole, the net balance of consumers expecting their personal finances to improve rather than deteriorate stands at a healthy 38%, though slightly lower than 42% last year. The broader, if not uniform, levels of optimism we see across the income scale in Brazil and China is not reflected here. Its profile is more like Russia than these other members of the BRIC community.
These contrasting perceptions of fortunes across the income scale seem somewhat out of step with some of the recorded data for growing rural incomes and related government initiatives. It may well be that the latter have yet to shift perceptions decisively.
A key feature that stands out in terms of the behaviour of Indian consumers relative to other countries is a high absolute and relative allocation of income to education, representing 12% of monthly income in our survey. This is not a new feature from last year, though the momentum behind education spending continues to increase publicly (supported by various government initiatives) and privately. If one examines the responses for spending on education in its broadest sense, the amount saying they will spend more rather than less is twice the level of a year ago.
In discretionary categories, momentum in spending appears quite lacklustre when compared to other countries. In fact, no category has seen increases in recorded spending of over five percentage points. The technology story is cast in a very different light. The low levels of internet penetration (though up from a year ago) look to have hampered the technology story seen elsewhere. India is the only country in our survey to see fewer respondents referring to buying a smartphone compared to last year’s reading.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 48
India: Spending sentiment Figure 165: Country product purchasing in 2012 vs survey average
Carbonated drinks
BeerSpirits
DairyCosmetics
Fashion apparel
Sports shoesWatches
Perfume
Computers
Mobile phones
Smartphone Internet access
Holidays
Property
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in In
dia 20
12
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in India
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey.
Figure 166: Country product purchasing in 2012 vs change over 2011
Carbonated drinksBeer
Spirits DairyCosmetics
Fashion apparel
Sports shoes
WatchesPerfume
Computers
Mobile phonesSmartphone
Internet access
HolidaysProperty
Extra education
Cars
-4-3-2-10123456
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item Source: Credit Suisse Emerging Consumer Survey.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 49
India: Demographics Figure 167: A6. Could you please tell me your age? Figure 168: N2. What is your total after tax monthly
income?
3743
128
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
2
8
20
28
21
8
3 4
0
5
10
15
20
25
30
Rs.
500
0to
750
0
Rs.
750
1to
100
00
Rs.
100
01to
150
00
Rs.
150
01to
200
00
Rs.
200
01to
300
00
Rs.
300
01to
400
00
Rs.
400
01to
500
00
Mor
e th
anR
s.50
000
% o
f res
pond
ents
Note: Sample size: 2561 respondents across 10 geographical regions
Figure 169: Urban / Rural split Figure 170: Male / Female split
31
69
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
59
41
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 171: A9. How many people live in your household? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than Rs.
50000/-
Would prefer not to answer
D.K
1 1 5 0 1 1 1 1 0 0 0 0 0 2 5 2 14 7 6 4 4 6 8 4 11 0 3 22 26 13 21 25 19 25 20 16 18 27 22 4 36 30 30 40 36 38 36 32 23 28 43 53 5 or more 36 37 43 32 32 39 35 42 53 50 19 25
Mean 4.02 3.93 4.02 3.93 3.91 4.1 4 4.1 4.22 4.23 3.7 4.03
Figure 172: A12. How many children does your household have? 1 66 74 64 77 71 66 64 60 51 48 82 72 2 25 23 16 17 23 27 26 33 27 35 15 14 3 6 2 13 3 5 5 7 5 17 14 3 3 4 2 0 5 2 1 1 3 1 4 2 0 11 5 or more 1 0 2 0 1 1 0 0 1 1 0 0
Mean 1.45 1.28 1.64 1.3 1.38 1.45 1.49 1.48 1.78 1.73 1.2 1.53
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 50
Figure 173: A15. In your opinion is now a good time to make a major purchase?
12 14 20 10 1221 2540
49 49 47 65 76
12
4540
33 33 28 2112
65
27 13
0%
20%
40%
60%
80%
100%
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 174: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-24-10
-20-10
5
35 39
-60
-40
-20
0
20
40
60
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Figure 175: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
20 27 33 4356 48
6656
64 57 56 5037 48
333716 16
0%
20%
40%
60%
80%
100%
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Better About the same Worse
Figure 176: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
-30
4 1122
3550 44
65
-40
-20
0
20
40
60
80
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey. NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 51
India: Income and Other Figure 177: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Bank account 94 88 89 86 93 95 98 98 96 100 86 67 Life insurance 72 58 59 47 69 73 82 77 82 90 51 56 Stock market 4 0 0 1 1 2 6 7 18 16 0 6 Cash 49 2 18 26 43 50 55 65 70 87 41 33 Mutual Fund 8 0 5 2 3 5 10 19 21 28 0 6 Property 35 2 14 16 30 34 41 47 48 70 39 39 No extra money for saving 3 7 11 7 2 2 2 1 3 2 11 8 Gold and Jewellery 41 7 16 16 36 41 51 53 55 81 34 36 Base : Unwtd 2602 43 56 212 528 720 551 211 77 94 74 36
Figure 178: N3. To what extent has your household income changed in the last 12 months? Declined more than 20% 3 0 4 2 3 3 2 1 0 9 3 3 -10% to -20% 12 5 5 4 8 9 17 16 14 35 20 8 -10% to flat 7 21 11 11 6 9 7 3 5 4 3 0 Unchanged 44 60 70 58 54 43 38 37 36 17 32 56 Flat to +10% 15 7 5 10 14 18 15 17 12 13 16 11 +10 to +20% 11 7 2 5 8 12 14 14 13 13 7 6 +20 to +30% 2 0 0 1 1 2 3 4 3 4 3 3 30%+ 1 0 0 1 0 1 1 2 5 1 9 0 Base : Unwtd 2602 43 56 212 528 720 551 211 77 94 74 36
Figure 179: N4. In what way do you expect your household income to change in the next 12 months? Declined more than 20% 1 0 0 0 1 2 1 2 0 2 0 0 -10% to -20% 8 16 4 5 5 6 10 13 6 10 22 8 -10% to flat 10 12 13 9 7 10 12 6 9 23 3 3 Unchanged 35 67 57 55 46 32 26 25 25 15 30 50 Flat to +10% 18 0 9 14 17 24 17 18 16 9 19 0 +10 to +20% 16 0 14 10 15 16 19 22 19 21 5 17 +20 to +30% 8 2 2 2 5 8 12 12 12 10 11 14 30%+ 3 2 0 1 2 2 3 2 12 11 5 6 Base : Unwtd 2602 43 56 212 528 720 551 211 77 94 74 36
Figure 180: N5. What proportion of your spending is done via credit cards? 0-5% 3 2 2 3 3 2 5 4 3 9 4 3 6-10% 8 7 2 3 7 8 11 8 12 13 3 6 11-15% 4 2 4 8 5 3 5 5 5 2 1 0 16-20% 1 2 0 2 1 1 1 1 3 1 0 3 21-25% 1 2 0 0 0 0 1 1 3 1 0 0 More than 25% 0 0 0 0 0 0 0 1 3 2 1 3 I have no credit card 76 70 82 73 77 78 73 75 69 71 89 78 Mean % exp on card 9.64 11.29 9 10.38 9.05 9.57 8.89 10.87 12.69 9.12 9.36 13.1 Base : Unwtd 2602 43 56 212 528 720 551 211 77 94 74 36
Figure 181: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 49 15 40 40 47 48 53 47 63 56 76 38 Staying the same 48 85 60 56 48 50 43 52 38 33 25 50 Decreasing 3 0 0 4 5 1 4 2 0 11 0 13 Base : Unwtd 629 13 10 57 123 156 151 52 24 27 8 8
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 52
India: Automobiles Figure 182: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Yes 15 5 4 3 6 12 19 37 47 43 15 6 No 85 95 96 97 94 88 81 63 53 57 85 94
Figure 183: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 69 63 61 53 63 73 74 74 82 60 64 69 No 31 37 39 47 37 27 26 26 18 40 36 31
Figure 184: B3. How many cars do you own in your household? 1 90 100 100 100 93 88 96 95 69 82 91 50 2 9 0 0 0 7 10 4 5 23 13 9 50 3 or more 2 0 0 0 0 2 0 0 9 5 0 0
Figure 185: B5. How long ago did you purchase this car? 1 year or less 21 0 0 43 10 21 23 15 31 31 18 0 2 to 4 years 53 100 100 14 69 44 53 61 43 54 45 100 5 to 7 years 18 0 0 14 14 25 18 19 20 8 0 0 8 to 10 years 4 0 0 14 3 6 3 3 3 3 0 0 More than 10 years ago 3 0 0 0 3 2 3 3 0 5 0 0 Base : Unwtd 388 2 2 7 29 84 102 75 35 39 11 2
Figure 186: B7. How did you finance it? All Cash 32 50 0 43 21 33 30 40 29 28 27 0 Cash + Auto loan 50 0 0 14 38 51 58 44 63 62 18 0 All Auto loan 4 0 0 0 3 6 1 7 9 3 0 0 D.K. 14 50 100 43 38 10 11 9 0 8 55 100 Base : Unwtd 388 2 2 7 29 84 102 75 35 39 11 2
Figure 187: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
0 0 2 2 38
4 572 2 5 7 10 11
42 511 12 13
17 1610
14 14 12
23 20 1823
16
72 7765
53 53
39 41
60
0
10
20
30
40
50
60
70
80
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 53
Figure 188: B4. What brand is the car your household last purchased? Local 66 50 100 57 76 64 71 58 55 64 81 50 Maruti Suzuki 41 50 100 43 41 33 42 45 34 51 27 50 TATA 14 0 0 14 28 17 14 12 9 5 27 0 Mahindra & Mahindra 2 0 0 0 7 1 2 0 3 3 0 0 Foreign 31 50 0 43 24 31 26 37 42 33 19 50 Hyundai 18 50 0 29 17 17 15 20 20 15 18 50 Don’t Know 3 0 0 0 0 5 3 5 3 3 0 0 Base : Unwtd 388 2 2 7 29 84 102 75 35 39 11 2
Figure 189: B16. How do you plan to finance the upcoming car purchase? All Cash 33 67 0 13 46 36 35 24 27 11 0 100 Cash + Auto loan 48 33 100 75 38 45 40 53 64 78 0 0 All Auto loan 14 0 0 13 8 11 23 16 0 0 0 0 Don’t Know. 6 0 0 0 8 7 2 8 9 11 0 0 Base : Unwtd 199 3 1 8 26 44 57 38 11 9 0 2
Figure 190: B17. How much do you plan to spend on the car you or your household is planning to purchase? 1 to 2 Lakhs (150000) 6 0 0 25 4 5 4 11 9 0 0 0 3 to 4 Lakhs (350000) 28 33 0 25 27 39 32 21 9 11 0 50 5 to 7 Lakhs (600000) 45 67 100 38 54 50 42 39 55 11 0 50 8 to 10 Lakhs (900000) 8 0 0 0 8 0 12 13 9 11 0 0 10 to 15 Lakhs (1250000) 5 0 0 0 4 5 4 0 0 44 0 0 More than 15 Lakhs 2 0 0 0 0 0 0 3 18 0 0 0 Don't know 7 0 0 13 4 2 7 13 0 22 0 0 Base : Unwtd 199 3 1 8 26 44 57 38 11 9 0 2
Figure 191: B15. Which car brand are you most likely purchase? Local 55 0 100 75 44 60 59 57 45 27 0 100 Maruti Suzuki 34 0 0 50 21 37 37 39 18 9 0 100 TATA 12 0 0 25 7 19 13 9 9 0 0 0 Mahindra & Mahindra 5 0 0 0 7 2 4 7 9 9 0 0 Foreign 41 66 0 25 55 35 36 39 54 63 0 0 Hyundai 13 33 0 0 21 17 7 13 0 27 0 0 Honda 8 33 0 25 0 7 8 11 0 9 0 0 Base : Unwtd 199 3 1 8 26 44 57 38 11 9 0 2
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 54
India: Food & Beverage Figure 192: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 10001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Carbonated Drinks: Yes 85 78 78 87 86 84 86 88 84 82 71 78 Carbonated Drinks: No 15 22 22 13 14 16 14 12 16 18 29 22 Carbonated Drinks: Base 2485 41 54 203 491 684 533 209 75 91 68 36 Beer: Yes 10 5 11 7 11 9 12 9 19 12 6 6 Beer: No 90 95 89 93 89 91 88 91 81 88 94 94 Beer: Base 2485 41 54 203 491 684 533 209 75 91 68 36
Bottled Water: Yes 65 29 44 52 63 68 69 74 88 84 41 50 Bottled Water: No 35 71 56 48 37 32 31 26 12 16 59 50 Bottled Water: Base 2485 41 54 203 491 684 533 209 75 91 68 36 Spirits: Yes 7 0 6 5 7 7 8 6 15 9 7 3 Spirits: No 93 100 94 95 93 93 92 94 85 91 93 97 Spirits: Base 2485 41 54 203 491 684 533 209 75 91 68 36 Dairy: Yes 94 93 94 91 94 94 94 92 96 89 91 94 Dairy: No 6 7 6 9 6 6 6 8 4 11 9 6 Dairy: Base 2485 41 54 203 491 684 533 209 75 91 68 36
Figure 193: C2. Which brand of drinks have you purchased in the last 3 months? Carbonated - Foreign 74 73 70 80 72 74 72 76 72 77 73 74 Sprite 17 39 23 21 20 18 14 10 15 9 15 26 Miranda 12 9 13 12 11 11 12 14 13 13 19 6 Carbonated - Local 26 27 30 20 28 26 28 24 28 23 27 26 Thums Up 16 23 20 11 17 16 17 12 15 16 11 17 Limca 9 0 5 7 8 8 9 11 13 7 11 9 Carbonated - Base 2100 32 42 177 420 573 459 183 63 75 48 28 Beer - Foreign 16 0 0 0 5 23 25 8 24 13 0 0 Budweiser 5 0 0 0 0 10 5 4 10 0 0 0 Beer - Local 86 100 100 100 96 81 79 83 81 87 100 100 Kingfisher 39 67 55 35 38 31 40 54 43 40 75 50 Haywards 14 33 18 13 18 12 15 8 5 27 0 0 Knock Out 10 0 9 13 15 10 9 0 10 7 0 0 Beer - Base 249 2 6 15 52 61 63 19 14 11 4 2 Bottled Water - Foreign 45 59 56 46 47 45 44 40 50 35 38 48 Aquafina 23 35 31 22 22 23 24 20 22 23 21 26 Bottled Water - Local 54 41 44 53 51 54 56 60 47 65 60 52 Bisleri 43 24 31 44 45 42 44 45 32 48 44 48 Bottled Water - Base 1619 12 24 105 308 462 366 154 66 76 28 18 Spirits - Foreign 14 - 14 27 6 22 7 13 25 29 0 0 Spirits - Local 84 - 14 27 6 22 7 13 25 29 0 0 McDowells No1 16 - 14 13 15 24 17 20 0 7 0 0 Royal Stag 14 - 0 7 9 15 22 13 20 0 13 0 Spirits - Base 171 0 3 11 32 45 43 12 11 8 5 1 Dairy - Foreign 16 8 8 16 15 16 18 19 14 21 18 13 Dairy - Local 83 92 92 84 84 83 82 80 86 79 81 87 Amul 23 16 19 19 22 24 24 22 23 21 14 19 Mother Daily 9 7 9 10 10 7 7 12 13 7 7 17 Dairy - Base 2324 38 51 184 461 645 503 193 72 81 62 34
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 55
Figure 194: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Carbonated Drinks: Yes 53 58 69 57 53 53 52 51 64 58 49 35 Carbonated Drinks: No 47 42 31 43 47 47 48 49 36 42 51 65 Base : Unwtd 2411 19 70 176 436 671 505 224 74 62 134 40 Beer: Yes 8 16 10 8 8 8 8 8 5 6 3 5 Beer: No 92 84 90 92 92 92 92 92 95 94 97 95 Beer: Base 2411 19 70 176 436 671 505 224 74 62 134 40 Bottled Water: Yes 34 26 17 18 28 32 41 46 58 39 28 23 Bottled Water: No 66 74 83 82 72 68 59 54 42 61 72 78 Bottled Water: Base 2411 19 70 176 436 671 505 224 74 62 134 40 Spirits: Yes 4 5 1 3 3 4 4 4 12 3 1 0 Spirits: No 96 95 99 97 97 96 96 96 88 97 99 100 Spirits: Base 2411 19 70 176 436 671 505 224 74 62 134 40 Dairy: Yes 74 68 76 77 73 73 71 78 89 87 72 55 Dairy: No 26 32 24 23 27 27 29 22 11 13 28 45 Dairy: Base 2411 19 70 176 436 671 505 224 74 62 134 40
Figure 195: C4. What % of your diet is made up of meat? 0% (0) 26 21 19 26 25 24 25 29 30 45 41 25 0-5% (2.5) 23 26 40 26 25 23 19 19 19 24 22 23 6-15% (10) 26 26 27 26 23 31 31 23 16 11 15 8 16-25% (20) 12 11 1 11 14 11 14 14 19 10 8 10 More than 25% (30) 7 0 4 7 9 7 6 5 4 8 6 25
Figure 196: C5. How do you think your meat consumption is likely to change over the next 12 months?
15 18 23 20 24 19 18 24
78 78 70 69 68 69 73 64
7 6 11 8 12 8 12
0%
20%
40%
60%
80%
100%
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
Plan
ned s
pend
on m
eat in
12
mont
hs (%
of po
p. lik
ely to
ch
ange
intak
e)
More The same Less
Figure 197: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
8
14
17
9
16
7
1012
0
5
10
15
20
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001 to30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 56
India: Home & Personal Care Figure 198: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Feminine Hygiene: Yes 70 50 79 65 68 74 72 68 88 48 67 70 Feminine Hygiene: No 30 50 21 35 32 26 28 32 12 52 33 30 Feminine Hygiene: Base 1007 6 33 84 191 261 209 78 34 27 61 1007 Cosmetics: Yes 87 84 80 84 84 86 91 89 95 94 84 98 Cosmetics: No 13 16 20 16 16 14 9 11 5 6 16 2 Cosmetics: Base 2460 19 76 187 447 680 508 228 75 64 134 42
Figure 199: E2. Which brands have you purchased in the last 3 months? Fem Hygiene - Foreign 89 100 85 88 93 92 81 90 81 86 91 77 Whisper 36 20 46 36 36 36 34 38 34 60 25 31 Stayfree 28 60 31 25 26 32 28 29 19 11 36 15 Fem Hygiene - Local 10 0 15 12 6 7 15 10 16 14 9 15 Shapers 3 0 0 2 2 2 4 5 6 9 5 0 Fem Hygiene - Base 780 4 11 74 149 216 155 80 21 30 29 11
Cosmetics - Foreign 43 60 50 45 44 42 44 42 44 41 40 45 Ponds 12 39 17 13 12 11 12 11 10 12 13 15 Lux 8 11 12 9 9 8 8 5 5 3 7 8 Cosmetics - Local 57 40 50 55 56 58 56 58 56 59 60 55 Fair & Lovely 11 10 12 11 11 11 11 9 10 12 14 8 Parachute 11 11 10 9 12 11 12 12 12 13 11 9 Santoor 3 0 1 2 4 4 4 2 3 0 5 8 Cosmetics - Base 2243 37 51 172 452 635 474 185 68 78 65 26
Figure 200: E3. Do you expect to spend more on any of these products in the next 12 months? Feminine Hygiene: Yes 50 21 42 41 42 56 52 56 65 65 47 47 Feminine Hygiene: No 50 79 58 59 58 44 48 44 35 35 53 53 Feminine Hygiene: Base 1046 14 19 94 212 275 218 97 26 40 36 15 Cosmetics: Yes 68 80 70 52 62 71 74 71 67 74 77 61 Cosmetics: No 32 20 30 48 38 29 26 29 33 26 23 39 Cosmetics: Base 2550 40 56 209 523 704 538 209 75 89 71 36
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 57
India: Luxury Goods Figure 201: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Fashion: Yes 68 79 58 58 63 70 73 71 71 84 41 44 Fashion: No 32 21 42 42 37 30 27 29 29 16 59 56 Fashion: Base 2468 42 55 198 505 684 522 199 72 88 69 34 Leather: Yes 47 29 35 38 43 49 52 53 58 75 32 21 Leather: No 53 71 65 62 57 51 48 47 42 25 68 79 Leather: Base 2468 42 55 198 505 684 522 199 72 88 69 34
Sportswear: Yes 29 14 7 15 22 31 36 41 46 40 32 18 Sportswear: No 71 86 93 85 78 69 64 59 54 60 68 82 Sportswear: Base 2468 42 55 198 505 684 522 199 72 88 69 34 Watches: Yes 19 17 22 14 12 15 25 31 31 45 12 15 Watches: No 81 83 78 86 88 85 75 69 69 55 88 85 Watches: Base 2468 42 55 198 505 684 522 199 72 88 69 34 Jewellery: Yes 19 14 16 10 11 20 25 27 28 33 7 15 Jewellery: No 81 86 84 90 89 80 75 73 72 67 93 85 Jewellery: Base 2468 42 55 198 505 684 522 199 72 88 69 34 Perfumes: Yes 48 57 47 35 40 47 54 58 65 58 49 38 Perfumes: No 52 43 53 65 60 53 46 42 35 42 51 62 Perfumes: Base 2468 42 55 198 505 684 522 199 72 88 69 34
Figure 202: F3. If so, what brand was this / brands were these? Fashion - Foreign 50 33 21 37 47 51 55 60 64 45 38 44 Levi’s 11 14 6 5 10 11 13 10 10 11 10 28 Jocky 12 14 12 8 11 11 15 13 17 8 8 0 Fashion - Local 48 62 76 61 52 48 44 39 36 53 59 56 Fashion - Base 1669 33 32 115 320 480 379 142 51 74 28 15 Leather - Foreign 45 35 19 34 40 45 47 49 60 49 46 63 Bata 28 24 14 26 27 27 29 30 43 24 38 25 Leather - Local 51 65 81 55 53 52 49 44 40 48 50 25 Liberty 7 0 0 5 5 9 9 7 12 3 8 0 Leather - Base 1170 12 19 75 217 332 272 106 42 66 22 7 Sportswear - Foreign 59 50 60 29 55 58 59 62 73 73 65 100 Adidas 23 0 20 19 18 22 28 19 25 27 4 67 Sportswear - Local 38 17 40 65 43 39 39 37 28 25 30 0 Action 13 0 0 10 13 10 19 19 10 11 0 0 Sportswear - Base 726 6 4 30 109 210 189 82 33 35 22 6 Watches - Foreign 34 29 17 24 40 33 34 32 52 26 78 0 Citizen 8 14 0 7 8 8 9 9 8 5 22 0 Watches - Local 65 71 83 76 59 66 63 66 48 74 22 100 Titan 29 29 25 28 27 24 29 34 28 47 11 0 Fast Track 15 29 25 7 5 18 17 17 12 19 0 40 Watches - Base 481 7 12 27 60 105 133 62 22 40 8 5 Jewellery - Foreign 2 0 0 0 0 1 2 3 0 6 0 0 Jewellery - Local 94 100 89 95 91 96 92 95 100 91 80 80 Unbranded 59 0 44 50 53 65 62 55 65 56 60 40 Jewellery - Base 468 6 9 19 56 136 129 54 20 29 5 5 Perfumes - Foreign 44 17 12 32 37 47 46 58 53 63 24 36 Charlie (Revlon) 9 4 0 6 8 10 10 13 11 9 0 0 Perfumes - Local 49 71 69 55 54 49 47 39 36 36 68 64 Perfumes - Base 1187 24 26 69 200 324 283 116 47 51 34 13
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 58
Figure 203: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Fashion: Up to 1000 43 45 50 46 46 44 43 41 29 30 39 67 Fashion: Rs. 1001-2500 30 27 28 36 35 34 23 26 31 31 39 13 Fashion: Rs. 2501-5000 19 15 13 13 14 18 25 18 27 27 14 7 Fashion: Rs. 5001-7500 4 6 6 0 1 2 6 10 4 9 0 7 Fashion: Rs. 7501-10000 1 0 0 1 1 0 2 1 2 1 7 0 Fashion: Over Rs. 10001 0 0 0 0 0 0 0 2 4 0 0 7 Fashion: Mean Exp. Rs 2146 2000 1911 1725 1833 2013 2357 2547 2935 2599 2241 2733 Leather: Up to 1000 52 33 84 67 60 55 49 42 31 27 50 43 Leather: Rs. 1001-2500 28 25 0 13 24 25 30 38 48 48 41 29 Leather: Rs. 2501-5000 7 8 0 3 4 7 12 3 5 12 0 0 Leather: Rs. 5001-7500 1 0 0 1 0 2 1 0 2 0 0 0 Leather: Rs. 7501-10000 0 0 0 0 0 0 0 2 0 0 0 0 Leather: Over R. 10001 0 0 0 1 0 0 0 0 0 0 0 0 Leather: Mean Exp. Rs 1607 1625 1000 1465 1349 1680 1701 1772 1715 1793 1338 1300 Sportswear: Up to 1000 41 50 50 47 44 39 41 41 42 26 50 50 Sportswear: Rs. 1001-2500 38 17 0 37 42 43 32 34 33 51 36 50 Sportswear: Rs. 2501-5000 12 17 50 7 5 10 19 9 21 14 5 0 Sportswear: Rs. 5001-7500 2 0 0 0 2 3 4 4 0 0 0 0 Sportswear: R. 7501-10000 1 0 0 0 1 2 0 2 0 0 5 0 Sportswear: Over R. 10001 0 0 0 0 0 0 1 0 0 0 5 0 Sportswear: Mean Exp. Rs 1931 1700 2375 1509 1652 2000 2056 1966 1859 1852 2273 1375 Watches: Up to 1000 29 14 42 44 35 28 26 34 14 28 13 60 Watches: Rs. 1001-2500 44 71 33 30 42 49 41 39 55 53 75 0 Watches: Rs. 2501-5000 17 0 8 15 18 16 20 19 18 15 13 20 Watches: Rs. 5001-7500 2 0 0 0 0 3 3 5 5 0 0 0 Watches: Rs. 7501-10000 1 0 0 0 0 1 2 2 0 3 0 0 Watches: Over Rs. 10001 1 0 0 0 0 2 3 0 5 0 0 0 Watches: Mean Exp. Rs 2290 1625 1575 1708 1860 2495 2562 2221 2988 2026 1906 1688 Jewellery: Up to 1000 5 0 11 16 4 4 5 9 0 3 0 0 Jewellery: Rs. 1001-2500 3 0 22 5 2 4 2 2 5 3 0 20 Jewellery: Rs. 2501-5000 5 0 0 11 5 6 4 7 5 7 0 0 Jewellery: Rs. 5001-7500 4 17 0 5 2 4 7 0 0 0 0 0 Jewellery: Rs. 7501-10000 13 17 11 32 14 15 7 11 35 7 0 20 Jewellery: Over Rs. 10001 66 51 55 32 68 63 75 68 50 71 80 60 Jewellery: Mean Exp. Rs 17407 22500 13139 10711 16156 17341 17904 17582 18382 19083 26875 25600 Perfumes: Up to 1000 93 83 88 96 96 95 93 91 94 92 91 85 Perfumes: Rs. 1001-2500 3 8 0 0 2 3 5 3 4 2 3 8 Perfumes: Rs. 2501-5000 1 0 0 0 0 1 1 1 0 4 0 0 Perfumes: Rs. 5001-7500 0 0 0 0 0 0 0 0 0 0 0 0 Perfumes: Rs. 7501-10000 0 0 4 0 1 0 0 0 0 0 0 0 Perfumes: Over Rs. 10001 0 0 0 0 0 0 0 0 0 0 0 0 Perfumes: Mean Exp. Rs 1107 1068 1323 1000 1225 1039 1155 1052 1033 1125 1023 1063
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 59
Figure 204: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 205: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
6965 65 68
74 7468 67
0
10
20
30
40
50
60
70
80Up
to50
00
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
29
22
33 35
4246 44 45
0
10
20
30
40
50
Up to
5000
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 206: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 207: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
12
16
4
11
1714
28
11
0
5
10
15
20
25
30
Up to
5000
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
12 139
17
2527
25
38
0
5
10
15
20
25
30
35
40
Up to
5000
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 208: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 209: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
48
31 3036
4147 49
27
0
10
20
30
40
50
60
Up to
5000
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
1215 16
30
38 38 40
19
0
10
20
30
40
50
Up to
5000
Rs. 5
000
to 75
00
Rs. 7
501
to 10
000
Rs. 1
5001
to 20
000
Rs. 2
0001
to 30
000
Rs. 3
0001
to 40
000
Rs. 4
0001
to 50
000
More
than
Rs.50
000
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 60
India: Technology and Internet Figure 210: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
5000 6250 8750 12500 17500 25000 35000 More than 40000
Income (Rs)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 211: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Blue-Ray DVD Player 0 0 0 0 1 0 1 1 1 0 0 0 Camcorder 0 0 0 0 1 0 1 0 1 0 0 0 Desktop computer 6 0 4 3 5 6 8 7 5 11 0 6 Digital Camera 4 0 5 4 4 5 4 5 7 7 1 0 DVD Player 2 0 4 3 1 3 2 2 3 2 1 3 Gaming facility 0 0 0 0 0 0 0 0 0 0 0 0 GPS/Navigation 0 0 0 0 0 0 0 0 0 0 0 0 Internet Service (Broadband / Dial Up)
0 0 0 0 0 0 0 0 1 0 0 0
Mobile Phone (Basic) 0 0 0 0 0 0 1 0 0 1 0 0 Mobile Phone (Smartphone)
3 2 5 4 4 3 4 2 4 5 1 0
MP3 4 5 4 3 3 3 6 6 7 5 3 3 Notebook PC 2 0 5 1 2 1 3 6 1 3 0 3 Stereo HiFi 0 0 0 0 0 0 1 0 1 1 0 0 Traditional TV 1 0 0 0 0 1 1 1 1 5 0 3 LCD TV 0 0 0 0 0 0 1 0 0 0 0 0 Flat screen TV 0 0 0 0 0 0 0 0 0 0 0 0 Tablet 10 7 13 3 9 10 12 14 16 20 11 3 None of these 2 0 0 2 1 3 3 3 1 3 1 0
Figure 212: GI1. How many hours of power supply does your household receive every day? 0-4 hours 2 7 0 0 0 1 3 7 4 1 13 6 5-8 hours 5 7 9 14 9 3 2 1 0 0 0 6 9-12 hours 6 2 5 11 8 4 5 4 1 7 9 6 12+ hours 87 83 85 75 82 91 90 88 95 92 79 83
Figure 213: GI2. Do you have access to DTH (direct-to-home) or Cable Television now, or plan to have it in the next 12m? Now: DTH 18 7 20 12 14 17 19 30 26 17 16 9 Now: Cable Television 80 86 64 85 83 81 79 69 72 83 81 80 Now: None 2 7 16 3 3 2 1 1 1 0 3 11 Next 12m: DTH 15 12 16 9 12 13 17 23 26 9 29 6 Next 12m: Cable Television 30 60 31 39 32 26 29 29 18 38 20 49 Next 12m: None 55 29 53 52 56 61 54 47 55 53 51 46
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 61
Figure 214: l6. What services have you used in the last 6 months?
25
4353
0
27 30
115
23
613
28
8369
78
26
44 44
0 4 60
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 215: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Yes 24 12 11 11 14 20 32 40 51 55 19 31 No 76 88 89 89 86 80 68 61 49 45 81 69
Figure 216: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 70 40 67 38 66 71 72 82 71 69 85 55 No 25 60 33 42 27 27 23 13 29 29 15 45 Don’t know 4 0 0 21 7 1 5 5 0 2 0 0
Figure 217: I3. Who is your main Internet Service provider? Tata Photon 18 0 17 8 20 24 15 16 21 16 0 9 Airtel 15 0 0 17 12 9 17 16 13 20 46 9 Reliance Net Connect 10 0 0 17 14 12 8 13 5 6 0 0 Vodafone 10 0 17 8 8 12 12 9 11 2 0 18 Local Broadband 13 0 0 8 9 15 13 8 18 27 15 9
Figure 218: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 42 0 67 21 36 38 46 50 37 47 38 27 The same 44 100 17 50 41 48 45 39 47 45 31 36 Less 14 0 17 29 23 13 9 11 16 8 31 36 Base: Unwtd 613 5 6 24 74 139 175 79 38 49 13 11
Figure 219: I4. Which is your most frequently used search engine? Google 72 100 83 75 77 68 77 53 68 82 92 82
MSN 1 0 0 0 0 1 1 1 5 0 0 0
Yahoo 21 0 0 21 18 25 18 34 21 16 8 18
Rediff 2 0 0 4 5 2 1 5 0 2 0 0 Base : Unwtd 613 5 6 24 74 139 175 79 38 49 13 11
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 62
India: Telecommunications Figure 220: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Yes, I own and pay for it 75 58 75 71 75 76 74 78 79 74 88 61 Yes, my employer pays 11 0 4 8 10 13 13 10 9 24 1 11 Yes, somebody else pays 8 26 15 12 11 7 6 7 8 0 3 11 No, I do not own one 6 16 7 9 4 4 7 5 4 2 7 17 Base : Unwtd 2542 43 55 209 514 707 535 206 75 93 69 36 Figure 221: H3. What brand is your current mobile handset? Foreign 87 97 87 89 83 86 89 94 86 88 84 86 Nokia 55 72 61 60 57 54 53 59 38 51 59 53 Samsung 23 25 20 19 21 23 24 24 32 27 17 27 Local 10 0 9 8 14 10 8 4 13 8 13 7 Base 2395 36 51 190 491 677 498 195 72 91 64 30
Figure 222: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 27 0 33 13 19 24 33 50 29 50 12 0 No 73 100 67 87 81 76 67 50 71 50 88 100
Figure 223: H12. Which brand of Smartphone handset will you buy? Foreign 83 67 85 72 81 83 89 86 97 86 52 71 Nokia 34 33 38 42 38 33 37 35 21 14 24 43 Samsung 32 33 31 25 30 31 35 35 34 36 24 0 Local 2 0 0 0 1 3 1 2 0 4 0 0 Don’t Know Which Brand 15 33 15 28 18 14 9 12 3 11 48 29 Base 838 3 13 64 154 250 197 76 26 27 21 7
Figure 224: H8. How much do you spend, on average, on mobile telephone bills per month?
8661
4730 27 18 25 16
14
20
2633 35
36 18 34
1221 26 28
26 39 31
1110 13 14 14
0%
20%
40%
60%
80%
100%
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
Up to Rs. 200 Rs. 201 to 300 Rs. 301 to 500 Rs. 501 to 750 More than Rs. 751
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 63
India: Travel Figure 225: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
2132 32
4251 55 60
51
21
36 36
51 5664 63 64
0
20
40
60
80
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 226: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
At home 14 0 11 15 15 15 16 10 18 9 20 8 Elsewhere in the country 85 100 83 82 84 85 83 89 80 89 75 92 International Destination 1 0 6 3 1 0 1 1 2 2 5 0 Base : Unwtd 1093 9 18 66 190 295 277 114 45 46 20 13
Figure 227: J4. What was the main form of transport that you used to reach you holiday destination? Car 12 22 0 4 6 11 14 17 14 29 0 8 Bus 36 33 44 48 43 40 30 31 19 26 31 33 Train 48 44 44 46 47 45 52 49 54 40 63 33 Ship 0 0 0 0 1 0 0 0 0 0 0 0 Aeroplane 2 0 6 0 2 0 3 3 11 5 6 17 Other 2 0 6 2 2 4 1 0 3 0 0 8 Base : Unwtd 938 9 16 56 161 252 234 103 37 42 16 12 Figure 228: J7. Where are you planning to go for your next holiday? At home 11 0 0 11 14 11 13 6 9 5 17 0 Elsewhere in the country 88 100 100 88 86 89 86 92 81 93 78 93 International Destination. 1 0 0 1 1 1 1 2 11 2 6 7 Base : Unwtd 1288 9 20 76 259 354 301 132 47 58 18 14
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 64
India: Property Figure 229: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Yes 72 67 65 64 67 74 77 78 79 80 68 69 No 28 33 35 36 33 26 23 22 21 20 32 31 Base : Unwtd 2506 42 54 201 514 693 527 204 72 92 71 36
Figure 230: K2. If you do not own your own property, on what terms do you occupy the property? Rented 78 79 74 92 85 78 72 51 73 72 91 73 Mortgaged 13 21 21 6 11 13 17 18 20 22 0 9 Borrowed 4 0 0 1 2 4 6 13 0 0 4 0 Base : Unwtd 691 14 19 72 170 183 121 45 15 18 23 11
Figure 231: K3. What is the market value of the property? Up to 2 Lakhs 0 0 0 0 1 0 0 0 0 0 2 0 2 to 5 Lakhs 3 18 20 5 2 3 2 1 0 1 15 0 5 to 10 Lakhs 11 29 29 28 18 8 4 3 2 4 21 4 10 to 15 Lakhs 17 21 23 22 29 20 11 4 0 3 17 20 15 to 20 Lakhs 20 4 14 19 21 25 21 13 12 7 8 32 20 to 30 Lakhs 18 11 9 9 13 22 25 22 18 12 8 12 30 to 40 Lakhs 14 4 0 9 8 13 21 23 14 27 10 16 40 to 50 Lakhs 8 4 3 3 6 5 11 13 19 18 8 12 50 to 75 Lakhs 5 0 0 3 1 3 3 13 21 8 10 4 More than 75 Lakhs - 4 4 3 2 1 2 2 8 14 20 0 0 Mean 2647401 1730769 1591429 1931783 1858944 2427898 2857636 3830380 4964913 4761487 2164583 2490000 Base : Unwtd 1815 28 35 129 344 510 406 159 57 74 48 25
Figure 232: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 26 0 0 13 29 26 22 36 38 36 0 25 First-time home buyer 34 50 0 38 32 36 36 26 19 14 67 50 Investment 26 50 0 25 20 21 34 28 19 50 0 25 Change of location 11 0 100 13 14 13 7 8 25 0 0 0 Base : Unwtd 347 4 1 16 56 94 94 39 16 14 9 4
Figure 233: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 69 40 65 59 67 69 73 76 78 82 75 72 About the same 14 2 11 16 14 17 11 15 15 10 11 11 Decrease 4 0 2 9 5 4 4 3 4 2 1 3 Base : Unwtd 2506 42 54 201 514 693 527 204 72 92 71 36
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 65
Figure 234: K5. Do you or your household intend to purchase a property in the next 2 years?
10 8 14 18 19 22 15
90 98 92 86 82 81 78 85
0%
20%
40%
60%
80%
100%
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 235: K4 & K7 – Property Financing: ALL CASH
4
2935 33 31
2832
22
0 0
25
15
2823
6
29
0
10
20
30
40
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 236: K4 & K7 – Property Financing: CASH + CREDIT
717 18
38 40 3849 47
25
100
38
5750 46
81
57
0
20
40
60
80
100
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 237: K4 & K7 – Property Financing: ALL CREDIT
116
05 7 8
4 3
50
0
19 18 1926
13 14
0
10
20
30
40
50
Up to 5000 Rs. 5000to 7500
Rs. 7501to 10000
Rs. 15001to 20000
Rs. 20001to 30000
Rs. 30001to 40000
Rs. 40001to 50000
More thanRs.50000
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 66
India: Education Figure 238: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Public 7 4 15 8 8 7 4 4 7 6 15 5 Private 56 42 50 53 54 56 60 61 71 37 60 42 Government Schools 10 29 19 19 11 10 6 4 0 4 10 11 English-Medium schools 18 13 4 12 14 20 21 25 19 45 5 11 None of these 10 13 12 9 13 9 9 7 2 8 10 32 Base : Unwtd 1414 24 26 118 275 424 294 103 42 49 40 19
Figure 239: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 34 13 27 38 37 31 31 50 50 20 35 21 No 66 88 73 62 63 69 69 50 50 80 65 79 Base : Unwtd 1414 24 26 118 275 424 294 103 42 49 40 19
Figure 240: L4. Do you yourself currently participate in any adult continuing education? Yes 10 7 6 6 11 8 12 17 18 14 7 8 No 90 93 94 94 89 92 88 83 82 86 93 92 Base : Unwtd 2532 41 54 209 509 702 536 206 74 92 73 36
Figure 241: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 26 15 24 24 26 24 26 34 32 32 11 44 About the same 62 24 35 64 63 69 63 54 57 61 68 36 Less 12 61 41 12 11 7 10 12 11 8 21 19 Base : Unwtd 2532 41 54 209 509 702 536 206 74 92 73 36
Figure 242: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
15
24 24 24 2634 32 32
61
41
127 10 12 11 8
0
10
20
30
40
50
60
70
Up to 5000/- Rs. 5000 to7500/-
Rs. 7501to10000/-
Rs. 15001 to20000/-
Rs. 20001 to30000/-
Rs. 30001 to40000/-
Rs. 40001 to50000/-
More thanRs.50000/-
Spen
ding
on
educ
atio
n &
trai
ning
in
the
next
12
mon
ths
(% o
f ho
useh
olds
)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 67
India: Healthcare Figure 243: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Up to 5000/-
Rs. 5000 to
7500/-
Rs. 7501to 10000/-
Rs. 1001 to
15000/-
Rs. 15001 to
20000/-
Rs. 20001 to
30000/-
Rs. 30001 to
40000/-
Rs. 40001 to
50000/-
More than
Rs.50000/-
Would prefer not to
answer
D.K
Yes 41 33 44 46 40 38 39 45 47 52 63 35 No 59 67 56 54 60 62 61 55 53 48 38 65 Base : Unwtd 2523 43 55 208 513 696 535 204 74 89 72 34 Figure 244: M2. What services, if any, could you get free from the state? Hospital 87 36 71 89 88 85 88 93 89 100 89 83 Emergency Room 29 14 21 21 34 34 28 37 31 13 20 25 Prescriptions 36 86 54 33 43 33 37 41 40 17 11 25 Vaccinations 29 14 21 30 23 22 32 37 43 83 16 8 Diagnostic tests 14 14 13 14 14 10 15 24 31 11 13 8 Base : Unwtd 1044 14 24 96 206 267 207 92 35 46 45 12
Figure 245: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 34 12 22 28 35 39 35 34 30 34 18 24 No 66 88 78 72 65 61 65 66 70 66 82 76 Base : Unwtd 2523 43 55 208 513 696 535 204 74 89 72 34
Figure 246: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 22 49 22 22 26 20 19 23 27 36 13 32 Same 60 23 49 60 58 66 63 58 61 47 54 59
Less 17 28 29 18 17 15 18 19 12 17 33 9 Base : Unwtd 2523 43 55 208 513 696 535 204 74 89 72 34
Figure 247: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 53 84 75 64 55 44 53 54 55 61 49 56
1-10% extra 35 16 22 23 33 41 35 33 35 28 44 44
11-20% extra 11 0 4 11 12 13 11 9 8 10 4 0
21-30% extra 1 0 0 2 1 0 1 2 0 1 3 0
more than 30% extra 0 0 0 0 0 1 0 1 1 0 0 0
Base : Unwtd 2523 43 55 208 513 696 535 204 74 89 72 34
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 68
Indonesia BRIC becoming BIIC? Confidence among Indonesian consumers has increased in our survey, continuing the steady improvement we saw in 2011. With a weighted-average net balance of 43% expecting their personal finances to improve in the next six months, consumers' optimism comes only second to Brazil in the survey. As we flagged last year, Indonesia increasingly displays more characteristics of a rapidly growing BRIC/emerging consumer story than Russia – with a population twice the size and better demographics.
While the improvement in overall optimism is notable, arguably more significant is the nature of the improvement and what represents a marked change from last year. The increase is typified among low/middle income earners, with in fact higher income earners less positive. Of course, by number, far more Indonesians reside in the lower bracket. A backdrop to this has been the 10% increase in the minimum wages across the provinces, ranging from 3% to 19% versus 2011.
The role of food prices is always an important issue in an emerging economy. It is no more relevant than in Indonesia, with around 30% of the household budget consumed by food. 2012 has seen more moderate food price inflation than in 2011, which, while perhaps less helpful for farmers, does ease the burden on consumer incomes more generally and we would again believe has helped optimism among low income earners.
The combined effect of enhanced incomes and lower food prices has more than likely driven a substantial increase in spending on more discretionary items. Spending on fashion apparel is recorded as having increased by close to 25% and holidays by 15%. In contrast, the more staple spending on an item such as dairy declined. Technology has been a theme across the survey, though, in Indonesia, low internet penetration hampers growth in computers and smartphones. This offers long-term potential, but the nearer-term story lies more in conventional mobile phones.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 69
Indonesia: Spending sentiment Figure 248: Country product purchasing in 2012 vs survey average
Carbonated drinks DairyCosmetics
Fashion apparel
Sports shoesWatches
Perfume
Computers
Mobile phones
Smartphone
Internet access
Holidays Property
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in In
done
sia, 2
012
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in Indonesia
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey.
Figure 249: Country product purchasing in 2012 vs change over 2011
Carbonated drinks
Dairy
Cosmetics
Fashion apparel
Sports shoesWatches
Perfume
Computers
Mobile phonesSmartphone
Internet access
Holidays
PropertyExtra educationCars
-15
-10
-5
0
5
10
15
20
25
30
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item
Source: Credit Suisse Emerging Consumer Survey.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 70
Indonesia: Demographics Figure 250: A6. Could you please tell me your age? Figure 251: N2. What is your total after tax monthly
income?
3740
158
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
5
13
23
28
21
52 1 1
0
5
10
15
20
25
30
Less
than
Rp
1,00
0k
Rp
1,00
0 -
1,50
0k
Rp
1,50
0 -
2,00
0k
Rp
2,00
0 -
3,00
0k
Rp
3,00
0 -
5,00
0k
Rp
5,00
0 -
7,50
0k
Rp
7,50
0 -
10,0
00k
Rp
10,0
00 -
15,0
00k
Abov
e15
,000
k
% o
f res
pond
ents
Note: Sample size: 1559 respondents across 10 geographical regions
Figure 252: Urban / Rural split Figure 253: Male / Female split
34
66
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
49 51
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 254: A9. How many people live in your household? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to answer
D.K
1 2 4 4 2 1 3 1 0 0 0 6 0 2 7 22 10 7 5 4 4 4 7 7 6 0 3 17 27 27 23 15 9 6 14 14 7 13 17 4 27 22 22 29 29 28 25 21 29 43 25 0 5 or more 47 26 38 39 49 56 64 61 50 43 50 83
Mean 4.1 3.44 3.8 3.96 4.21 4.3 4.45 4.39 4.21 4.21 4.06 4.67
Figure 255: A12. How many children does your household have? 1 46 64 48 52 44 42 34 48 67 43 46 0 2 33 31 32 31 35 32 44 30 0 29 31 60 3 14 2 14 14 16 18 8 9 11 14 23 20 4 4 2 5 2 3 4 8 4 11 14 0 20 5 or more 3 0 2 2 3 4 5 9 11 0 0 0 Mean 1.84 1.42 1.8 1.71 1.87 1.96 2.05 1.96 2 2 1.77 2.6
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 71
Figure 256: A15. In your opinion is now a good time to make a major purchase?
31 29 25 31 34 30 2950
36
60 62 65 60 59 65 6443
64
0%
20%
40%
60%
80%
100%
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 257: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-36 -42-32
-24-32 -35
14
-28
-50-40-30-20-10
01020
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Figure 258: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
32 35 44 43 44 40 54 57 57
62 63 54 56 54 58 43 43 43
0%
20%
40%
60%
80%
100%
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Better About the same Worse
Figure 259: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
2633
43 41 42 39
5057 57
0
10
20
30
40
50
60
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey. NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 72
Indonesia: Income and Other Figure 260: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Bank account 45 12 20 32 48 64 79 61 79 86 44 33 Life insurance 3 0 2 1 3 5 6 32 14 21 0 0 Stock market 0 0 0 0 0 1 0 0 0 0 0 0 Cash 34 26 32 41 40 27 22 29 0 0 19 17 Mutual Fund 0 1 0 0 0 0 1 0 0 0 0 0 Property 5 4 4 4 4 8 4 18 14 7 0 17 No savings 27 60 46 30 20 17 12 18 14 7 38 67 Base : Unwtd 1531 78 192 357 433 316 77 28 14 14 16 6
Figure 261: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 1 0 1 1 1 0 1 0 0 0 0 0 -10% to -20% 3 1 3 2 2 3 5 7 0 7 6 0 -10% to flat 5 8 7 5 5 3 5 11 0 21 0 17 Unchanged 39 60 46 46 37 30 26 11 36 0 38 33 Flat to +10% 28 12 21 25 33 29 32 29 43 36 25 17 +10 to +20% 9 3 4 6 8 15 18 25 0 14 19 0 +20 to +30% 2 1 0 1 2 2 5 7 7 7 0 0 30%+ 0 0 0 1 0 1 0 0 0 0 0 0 Base : Unwtd 1531 78 192 357 433 316 77 28 14 14 16 6
Figure 262: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 0 0 0 0 0 0 0 4 0 0 6 0 -10% to -20% 1 1 1 0 1 0 5 4 7 0 0 0 -10% to flat 2 3 3 2 1 1 1 0 7 0 6 0 Unchanged 22 38 28 25 17 21 13 11 7 0 38 17 Flat to +10% 30 29 35 32 33 22 26 29 29 14 13 50 +10 to +20% 21 12 11 18 25 24 26 21 29 57 6 17 +20 to +30% 8 4 3 6 8 14 17 14 7 21 6 0 30%+ 8 5 8 8 8 10 10 11 7 0 19 0 Base : Unwtd 1531 78 192 357 433 316 77 28 14 14 16 6
Figure 263: N5. What proportion of your spending is done via credit cards? 0-5% 1 0 0 0 1 1 0 4 0 7 0 0 6-10% 1 0 0 0 0 3 0 0 0 7 0 0 11-15% 0 0 0 0 0 1 0 4 7 0 0 0 16-20% 0 0 0 0 0 0 0 4 0 0 0 0 21-25% 0 0 0 0 0 0 0 4 7 7 0 0 More than 25% 0 0 1 0 0 1 0 4 0 0 0 0 No credit card 96 99 97 98 97 93 96 71 79 79 94 100 Mean % exp 11.07 0 30 2.5 4.71 10.41 0 17.3 18 11 0 0 Base : Unwtd 1531 78 192 357 433 316 77 28 14 14 16 6
Figure 264: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 36 0 60 43 25 30 33 63 33 33 0 0 Staying the same 58 100 40 57 67 57 67 38 67 67 100 0 Decreasing 7 0 0 0 8 13 0 0 0 0 0 0 Base : Unwtd 66 1 5 7 12 23 3 8 3 3 1 0
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 73
Indonesia: Automobiles Figure 265: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Yes 6 0 0 2 5 10 11 32 20 30 13 0 No 94 100 100 98 95 90 89 68 80 70 88 100
Figure 266: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 78 49 66 73 82 87 95 76 100 90 75 80 No 22 51 34 27 18 13 5 24 0 10 25 20
Figure 267: B3. How many cars do you own in your household? 1 92 0 0 83 100 89 100 88 100 67 100 0 2 5 0 0 17 0 7 0 13 0 0 0 0 3 or more 3 0 0 0 0 4 0 0 0 33 0 0
Figure 268: B5. How long ago did you purchase this car? 1 year or less 26 0 0 0 6 32 29 38 0 100 50 0 2 to 4 years 34 0 0 67 44 29 43 13 50 0 0 0 5 to 7 years 20 0 0 0 39 14 29 25 0 0 0 0 8 to 10 years 7 0 0 0 6 11 0 0 0 0 50 0 More than 10 years ago
14 0 0 33 6 14 0 25 50 0 0 0
Base : Unwtd 74 0 0 6 18 28 7 8 2 3 2 0
Figure 269: B7. How did you finance it? All Cash 61 0 0 33 44 82 57 50 100 33 50 0 Cash + Auto loan
30 0 0 67 44 11 14 38 0 67 50 0
All Auto loan 9 0 0 0 11 7 29 13 0 0 0 0 Sum 100 0 0 100 100 100 100 100 100 100 100 0 Base : Unwtd 74 0 0 6 18 28 7 8 2 3 2 0
Figure 270: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
0 1 1 25
0
10 10
27
11 12 11
20
0
20
34
28 3027
3532
50
40
20
2723
30
21 20
40
20
3732 30
20 2124
0 00
10
20
30
40
50
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 74
Figure 271: B4. What brand is the car your household last purchased? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Toyota 28 0 0 33 17 39 14 50 0 0 0 0 Daihatsu 22 0 0 0 22 21 57 25 0 0 0 0 Maruti Suzuki 28 0 0 33 44 18 29 13 50 67 0 0 Mitsubishi 7 0 0 33 6 0 0 0 50 33 0 0 Honda 7 0 0 0 6 11 0 0 0 0 50 0 Kia 3 0 0 0 0 7 0 0 0 0 0 0 Base : Unwtd 74 0 0 6 18 28 7 8 2 3 2 0
Figure 272: B16. How do you plan to finance the upcoming car purchase? All Cash 42 100 25 44 39 46 40 20 100 33 50 0 Cash + Auto loan
47 0 75 52 52 36 40 60 0 67 50 0
All Auto loan 10 0 0 4 7 18 20 20 0 0 0 0 D.K. 1 0 0 0 2 0 0 0 0 0 0 0 Sum 100 100 100 100 100 100 100 100 100 100 100 0 Base : Unwtd 134 1 4 25 44 39 10 5 1 3 2 0
Figure 273: B17. How much do you plan to spend on the car you or your household is planning to purchase? Upto Rp 100m
22 0 50 24 27 21 10 0 0 0 0 0
Rp 100m - 200m
59 0 50 56 59 56 70 80 100 67 50 0
Rp 200m - 300m
10 0 0 12 7 10 10 20 0 33 0 0
Rp 300m - 400m
4 100 0 4 5 3 10 0 0 0 0 0
More than Rp 400m
4 0 0 4 2 10 0 0 0 0 0 0
Base : Unwtd 22 0 50 24 27 21 10 0 0 0 0 0
Figure 274: B15. Which car brand are you most likely purchase? Local 5 0 0 4 10 3 0 0 0 0 0 0 Foreign 95 100 100 96 87 99 100 100 100 100 100 0 Toyota 39 0 75 21 32 51 55 60 0 0 100 0 Honda 20 0 0 29 18 17 27 20 0 33 0 0 Daihatsu 11 0 0 14 8 10 9 20 0 67 0 0 Base : Unwtd 134 1 4 25 44 39 10 5 1 3 2 0
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 75
Indonesia: Food & Beverage Figure 275: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Drinks: Yes 70 55 59 66 74 76 73 65 89 75 82 100
Drinks: No 30 45 41 34 26 24 27 35 11 25 18 0
Drinks: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Noodles: Yes 95 98 95 96 95 94 95 76 78 100 91 100
Noodles: No 5 2 5 4 5 6 5 24 22 0 9 0
Noodles: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Bottled Water: Yes 90 81 82 87 93 93 95 100 100 88 100 100
Bottled Water: No 10 19 18 13 7 7 5 0 0 13 0 0
Bottled Water:Base 1043 53 146 259 285 208 44 17 9 8 11 3
Cigarettes: Yes 47 38 38 47 51 44 59 53 67 63 27 67
Cigarettes: No 53 62 62 53 49 56 41 47 33 38 73 33
Cigarettes: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Dairy: Yes 66 43 51 63 68 80 70 88 100 88 55 33
Dairy: No 34 57 49 37 32 20 30 12 0 13 45 67
Dairy: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Figure 276: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 89 88 90 89 89 89 94 84 95 95 93 80 Fanta 26 23 27 29 26 24 32 21 19 21 36 0 Coca-Cola 32 33 35 30 33 32 32 26 33 21 36 40 Drinks - Local 11 13 10 11 11 11 6 16 5 5 7 20 Tebs 2 4 2 2 2 2 0 3 0 0 0 0 Drinks - Base 726 29 86 172 212 158 32 11 8 6 9 3 Noodles - Foreign 0 0 0 0 0 0 0 0 0 0 0 0 Noodles - Local 100 100 100 100 100 100 100 100 100 100 100 100 Indomie 41 42 38 40 41 42 45 31 32 37 53 60 Mie Sedap 31 39 33 32 29 32 21 24 21 26 29 20 Supermi 8 7 8 8 8 6 12 14 11 11 6 0 Sarimi 8 7 9 9 8 7 5 3 5 5 6 0 Noodles - Base 989 52 138 249 271 196 42 13 7 8 10 3 Water - Foreign 62 53 65 63 61 63 71 59 53 54 47 60 Aqua 61 53 65 63 60 62 68 59 53 54 47 60 Water - Local 38 47 34 37 39 37 29 41 47 46 53 40 Club 14 27 16 13 15 12 12 7 18 15 21 40 Vit 9 6 7 7 12 10 5 10 18 8 16 0 Water - Base 934 43 119 225 265 193 42 17 9 7 11 3 Cigarettes - Foreign 9 3 3 4 12 11 11 21 11 20 0 0 Cigarettes - Local 91 97 96 96 88 87 89 79 89 80 100 100 Dji Sam Soe 17 13 8 16 17 21 29 21 0 20 0 0 Sampoerna 16 3 14 17 12 19 24 29 33 30 60 50
Garam Surya 14 10 22 15 13 13 11 7 11 20 20 0 Djarum Super 14 10 22 15 13 13 11 7 11 20 20 0
Cigarettes - Base 7 10 3 6 9 8 0 7 0 0 0 0 Dairy - Foreign 21 9 19 16 23 26 19 30 43 9 71 0 Nestle 13 3 14 12 13 14 8 11 6 9 10 0 Dairy - Local 78 90 80 84 78 74 79 70 56 91 30 100 Frissian Flag 33 36 34 40 30 32 35 27 25 36 20 50 Indomilk 19 22 23 20 19 18 14 8 19 9 10 50 Dairy - Base 691 23 75 163 195 166 31 15 9 7 6 1
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 76
Figure 277: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Drinks: Yes 35 25 27 34 36 41 41 41 56 38 27 67 Drinks: No 65 75 73 66 64 59 59 59 44 63 73 33
Drinks: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Noodles: Yes 59 55 53 61 60 62 61 47 56 50 64 67
Noodles: No 41 45 47 39 40 38 39 53 44 50 36 33
Noodles: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Water: Yes 61 43 52 55 65 70 70 71 78 50 55 67
Water: No 39 57 48 45 35 30 30 29 22 50 45 33
Water: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Cigarettes: Yes 31 28 23 31 36 28 39 41 44 25 18 67
Cigarettes: No 69 72 77 69 64 72 61 59 56 75 82 33
Cigarettes: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Dairy: Yes 46 32 38 44 43 59 43 59 78 63 36 33
Dairy: No 54 68 62 56 57 41 57 41 22 38 64 67
Dairy: Base 1043 53 146 259 285 208 44 17 9 8 11 3
Figure 278: C4. What % of your diet is made up of meat? 0% 7 15 10 8 5 4 14 6 0 0 0 0 0-5% 61 66 69 61 65 54 41 59 56 75 36 100 6-15% 23 13 12 27 22 27 30 24 33 13 36 0 16-25% 5 2 1 2 6 10 7 0 11 0 9 0 More than 25% 3 2 3 2 2 3 9 12 0 13 9 0
Figure 279: C5. How do you think your meat consumption is likely to change over the next 12 months?
9 15 18 20 21 1130 22 26
6458 60 61 65 68
59 67 75
26 21 19 15 21 12
0%
20%
40%
60%
80%
100%
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
Plan
ned
spen
d on
mea
t in
12
mon
ths (
% o
f pop
. like
ly to
ch
ange
inta
ke)
More The same Less
Source: Credit Suisse Emerging Consumer Survey. Note: ‘No responses’ account for the remainder of population in % stacked columns
Figure 280: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
-17-11
-3
16
-10
18
11
26
-20
-10
0
10
20
30
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 77
Indonesia: Home & Personal Care Figure 281: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Tissues: Yes 54 31 42 46 56 62 71 60 85 82 87 75 Tissues: No 46 69 58 54 44 38 29 40 15 18 13 25 Tissues: Base 1359 70 179 318 380 274 70 25 13 11 15 4
Fem Hygiene: Yes 76 58 63 72 85 81 79 100 78 78 88 100 Fem Hygiene: No 24 43 37 28 15 19 21 0 22 22 13 0 Fem Hygiene: Base 686 40 99 154 193 129 34 9 9 9 8 2 Cosmetics: Yes 62 59 59 58 64 64 70 64 69 82 47 50 Cosmetics: No 38 41 41 42 36 36 30 36 31 18 53 50 Cosmetics: Base 1359 70 179 318 380 274 70 25 13 11 15 4
Figure 282: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 5 4 12 5 3 4 3 0 5 13 0 0 Tissues - Local 94 91 87 94 96 96 96 96 95 88 100 100 Paseo 32 30 25 34 33 33 34 46 20 19 53 29 Mitu 18 13 18 17 18 17 19 17 25 25 6 14 Tissues - Base 728 22 76 147 213 169 50 15 11 9 13 3 Fem Hygiene - Foreign
12 12 11 15 8 12 15 8 25 20 33 17
Kotex 10 12 6 13 7 11 13 8 17 10 25 17 Fem Hygiene - Local 88 88 89 85 92 88 85 92 75 80 67 83 Laurier 28 28 26 29 31 26 28 31 33 30 17 17 Charm 34 24 30 35 35 34 37 46 33 20 17 33 Fem Hygiene - Base 524 23 62 111 164 105 27 9 7 7 7 2 Cosmetics - Foreign 43 26 43 43 41 44 49 57 35 43 48 57 Lux 9 9 14 8 7 10 9 11 6 5 14 14 Ponds 18 7 15 19 21 20 21 17 12 24 5 29 Cosmetics - Local 57 74 57 57 58 55 51 43 65 57 52 43 Citra 21 19 22 20 22 21 21 17 29 19 19 14 Viva 9 19 13 10 9 7 4 0 6 14 10 14 Cosmetics - Base 843 41 105 185 245 175 49 16 9 9 7 2
Figure 283: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 32 26 22 29 31 41 43 16 62 36 33 25 Tissues: Base 1359 70 179 318 380 274 70 25 13 11 15 4 Fem Hygiene: Yes 45 30 34 42 47 55 59 44 78 11 38 0 Fem Hygiene: Base 686 40 99 154 193 129 34 9 9 9 8 2
Cosmetics: Yes 38 31 30 37 42 42 50 20 38 18 20 25 Cosmetics: Base 1359 70 179 318 380 274 70 25 13 11 15 4
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 78
Indonesia: Luxury Goods Figure 284: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Fashion: Yes 75 65 67 72 79 79 81 87 92 73 75 100 Fashion: No 25 35 33 28 21 21 19 13 8 27 25 0 Fashion: Base 1289 69 171 302 355 266 62 23 12 11 12 6
Leather: Yes 23 12 11 14 24 33 42 43 92 64 8 33 Leather: No 77 88 89 86 76 67 58 57 8 36 92 67 Leather: Base 1289 69 171 302 355 266 62 23 12 11 12 6 Sportswear: Yes 20 16 14 15 21 27 27 39 33 18 17 33 Sportswear: No 80 84 86 85 79 73 73 61 67 82 83 67 Sportswear: Base 1289 69 171 302 355 266 62 23 12 11 12 6 Watches: Yes 17 10 8 11 15 25 31 39 67 27 0 67 Watches: No 83 90 92 89 85 75 69 61 33 73 100 33 Watches: Base 1289 69 171 302 355 266 62 23 12 11 12 6 Jewellery: Yes 14 7 8 12 15 17 24 13 42 18 0 17 Jewellery: No 86 93 92 88 85 83 76 87 58 82 100 83 Jewellery: Base 1289 69 171 302 355 266 62 23 12 11 12 6 Perfumes: Yes 38 22 25 33 39 47 58 70 92 73 8 50 Perfumes: No 62 78 75 67 61 53 42 30 8 27 92 50 Perfumes: Base 1289 69 171 302 355 266 62 23 12 11 12 6
Figure 285: F3. If so, what brand was this / brands were these? Fashion - Foreign 31 12 26 20 29 38 48 59 36 50 22 45 Fashion - Local 67 82 72 77 70 61 48 41 64 50 56 55 Nevada 11 14 12 11 12 10 9 5 29 21 11 9 Fashion - Base 972 45 114 216 282 211 50 20 11 8 9 6 Leather - Foreign 45 38 43 39 44 43 60 59 29 56 100 50 Leather - Local 51 63 52 52 50 54 35 41 71 44 0 50 Carvil 5 0 0 7 7 6 3 5 7 0 0 0 Yongki Komaladi 8 0 5 4 9 12 5 9 7 0 0 0 Leather - Base 299 8 18 43 86 87 26 10 11 7 1 2
Sportswear - Foreign
67 58 69 64 61 69 70 72 83 100 50 100
Adidas 19 33 28 26 16 16 15 11 33 67 0 20 Nike 14 8 7 12 12 15 19 22 17 33 50 20 Sportswear - Local 31 42 31 34 35 28 30 28 17 0 50 0 Homy Ped 4 0 0 2 4 7 4 0 17 0 50 0 Sportswear - Base 261 11 24 44 73 73 17 9 4 2 2 2 Watches - Foreign 64 29 40 64 60 71 59 87 67 100 - 75 Seiko 12 0 7 11 12 12 23 20 0 33 - 13 Watches - Local 32 71 40 33 35 27 36 13 33 0 - 25 Unbranded 15 43 27 11 20 15 5 7 0 0 - 13 Watches - Base 213 7 13 32 52 66 19 9 8 3 - 4 Jewellery - Foreign 11 0 7 6 11 13 13 0 0 50 0 50 Bulgari 3 0 0 0 2 4 7 0 0 50 0 50 Jewellery - Local 87 100 86 89 89 82 87 100 100 50 0 50 Unbranded 80 80 86 89 79 73 80 100 100 50 0 50 Jewellery - Base 181 5 14 36 55 45 15 3 5 2 0 1 Perfumes - Foreign 38 13 31 27 42 43 36 63 31 25 0 67 Gucci 5 0 2 3 7 4 8 7 0 0 0 0 Perfumes - Local 60 87 63 71 57 54 64 37 69 75 100 33 Perfumes - Base 496 15 43 99 138 126 36 16 11 8 1 3
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 79
Figure 286: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Fashion: Up to Rp 500k
87 98 96 94 86 80 76 70 73 63 89 83
Fashion: Rp 500-1000k
10 2 4 5 11 15 12 15 9 38 11 0
Fashion: Rp 1000-2000k
3 0 0 0 2 4 8 5 18 0 0 17
Fashion: Mean Exp Rp
578447 505556 508772 531250 562943 609005 730000 1087500 704545 593750 527778 666667
Leather: Up to Rp 500k
85 100 100 88 87 85 73 50 82 100 100 50
Leather: Rp 500-1000k
12 0 0 7 12 11 19 40 18 0 0 50
Leather: Rp 1000-2000k
2 0 0 5 1 1 8 0 0 0 0 0
Leather: Mean Exp Rp
579431 500000 500000 563954 540698 609195 625000 900000 545455 500000 500000 625000
Sportswear: Up to Rp 500k
86 91 92 95 93 81 65 56 75 50 100 100
Sportswear: Rp 500-1000k
10 9 0 2 4 15 29 33 0 50 0 0
Sportswear: Mean Exp Rp
582046 522727 630435 528409 552083 606164 632353 694444 750000 625000 500000 500000
Watches: Up to Rp 500k
91 100 92 97 96 89 84 56 88 100 0 75
Watches: Rp 500-1000k
7 0 8 3 2 6 16 33 13 0 0 25
Watches: Rp 1000-2000k
2 0 0 0 2 3 0 11 0 0 0 0
Watches: Mean Exp Rp
550470 500000 519231 507813 524038 590909 539474 694444 531250 500000 0 562500
Jewellery: Up to Rp 500k
38 60 50 44 36 40 13 0 20 0 0 100
Jewellery: Rp 500-1000k
26 20 50 28 24 22 20 0 40 50 0 0
Jewellery: Rp 1000-2000k
19 20 0 22 24 13 40 0 0 50 0 0
Jewellery: Rp 2000-5000k
13 0 0 3 13 16 20 100 40 0 0 0
Jewellery: Mean Exp Rp
1395251 750000 625000 885714 1431818 1704546 2016667 3500000 1800000 1125000 0 500000
Perfumes: Up to Rp 500k
96 100 100 99 97 92 94 94 100 100 100 100
Perfumes: Rp 500-1000k
2 0 0 0 1 3 3 6 0 0 0 0
Perfumes: Mean Exp Rp
642424 500000 500000 595960 572993 825397 770833 515625 500000 500000 500000 500000
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 80
Figure 287: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 288: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
4656
6167 68
73
87
67
82
0
20
40
60
80
100Le
ss th
anRp
1,00
0k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
714 17
2226
37
48
75
45
0
20
40
60
80
Less
than
Rp 1,
000k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 289: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 290: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
10 912 14 15
26 26
67
18
0
10
20
30
40
50
60
70
Less
than
Rp 1,
000k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
4
1216 15
2023
17
42
27
0
10
20
30
40
50
Less
than
Rp 1,
000k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 291: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 292: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
20 2331
3540
53
7075
64
0
20
40
60
80
Less
than
Rp 1,
000k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
10 813
17
2326
30
42
27
0
10
20
30
40
50
Less
than
Rp 1,
000k
Rp 1,
000 -
1,500
k
Rp 1,
500 -
2,000
k
Rp 2,
000 -
3,000
k
Rp 3,
000 -
5,000
k
Rp 5,
000 -
7,500
k
Rp 7,
500 -
10,00
0k
Rp 10
,000-
15,00
0k
Abov
e Rp
15,00
0k
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 81
Indonesia: Technology and Internet Figure 293: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
1000 1250 1750 2500 4000 6250 8750 More than 10000
Income (Rp '000)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 294: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to answer
D.K
Blu-Ray Player 0 1 1 0 0 1 0 0 0 0 0 0 Desktop computer 0 0 0 0 0 0 0 0 0 0 0 0
Digital Camera 2 1 1 3 3 2 1 4 29 0 0 0
DVD Player 2 1 1 1 2 3 1 0 0 8 0 17
Gaming facility 5 8 5 4 5 5 7 4 0 0 0 0
GPS/Navigation 0 0 0 0 0 0 0 0 0 0 0 0
Internet Service 0 0 0 0 1 0 1 0 0 0 0 0
Mobile Phone 0 0 0 0 0 0 0 0 0 0 0 0
Smartphone 0 0 1 1 0 0 1 0 0 0 0 0
MP3 8 9 6 10 9 3 7 8 14 0 13 0
Netbook 8 5 6 6 9 8 13 4 0 8 13 33
Notebook PC 1 0 1 0 1 1 1 0 0 0 0 0
Stereo HiFi 1 0 0 1 1 1 4 8 0 0 0 0
Traditional TV 9 5 5 8 9 9 10 15 7 33 19 33
LCD TV 0 0 0 0 0 1 0 0 7 0 0 0
Flat screen TV 4 11 6 5 3 2 0 0 0 0 0 0
Tablet 10 9 5 10 11 11 14 19 0 25 6 17
None of these 3 4 5 3 2 2 4 0 0 0 0 0 Figure 295: G5. Which brand of PC are you most likely to purchase? Acer 32 0 40 26 40 27 38 20 40 50 67 0 Apple 10 20 0 14 10 7 15 20 0 0 0 0 BenQ 1 0 0 0 0 0 0 10 0 0 0 0 DELL 2 0 0 2 2 0 0 0 20 0 0 0 HP 4 0 10 2 3 5 0 20 0 0 0 0 Philips 1 0 0 0 3 0 0 0 0 0 0 0 Samsung 17 20 20 21 16 25 15 0 0 0 0 0 Sharp 2 0 10 2 2 2 0 0 0 0 0 0 Sony 8 0 10 7 5 5 15 10 20 25 33 50 Toshiba 18 40 10 21 10 27 15 10 20 25 0 50 Polytron 1 0 0 0 3 0 0 0 0 0 0 0 Unbranded 1 0 0 0 0 0 0 10 0 0 0 0 Others 1 20 0 2 0 0 0 0 0 0 0 0 Base : Unwtd 197 5 10 43 58 44 13 10 5 4 3 2
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 82
Figure 296: l6. What services have you used in the last 6 months?
1630 33
5 8 810 15 177 7
0
69 68
100
6751
67
0 0 00
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 297: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Yes 9 3 5 6 7 15 23 15 29 15 19 33 No 91 97 95 94 93 85 77 85 71 85 81 67
Figure 298: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 64 50 67 57 65 68 47 100 75 100 67 50 No 26 0 11 33 35 21 41 0 25 0 0 0 Don’t know 10 50 22 10 0 11 12 0 0 0 33 50
Figure 299: I3. Who is your main Internet Service provider? Speedy 27 0 44 24 16 28 24 50 50 50 67 0 Telkom net 4 0 0 0 3 4 6 0 25 0 0 0 IM2 16 50 11 14 16 21 18 0 0 0 0 0 Telkom Flash 35 50 44 29 42 32 29 50 25 50 33 50 Others 16 50 11 14 16 21 18 0 0 0 0 0
Figure 300: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 20 0 11 10 19 24 12 25 25 50 66 50 The same 61 100 78 62 68 62 53 50 50 50 0 50 Less 19 0 11 29 12 15 35 25 25 0 33 0 Base: Unwtd 142 2 9 21 31 47 17 4 4 2 3 2
Figure 301: I4. Which is your most frequently used search engine? Google 77 100 67 71 81 79 88 75 75 50 67 0
MSN 0 0 0 0 0 0 0 0 0 0 0 0
Yahoo 20 0 33 29 19 17 0 25 25 50 33 100
Others 1 0 0 0 0 2 6 0 0 0 0 0 Base: Unwtd 142 2 9 21 31 47 17 4 4 2 3 2
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 83
Indonesia: Telecommunications Figure 302: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Yes, I pay for it 72 48 59 67 76 77 88 96 86 86 73 60 Yes, employer pays 0 1 1 0 0 0 0 0 0 0 0 0 Yes, somebody else pays
7 8 8 6 7 8 4 4 14 7 0 0
No, I do not 21 43 33 26 16 15 8 0 0 7 27 40 Base : Unwtd 1450 75 187 336 403 300 73 28 14 14 15 5
Figure 303: H3. What brand is your current mobile handset? Foreign 71 70 61 69 67 77 82 71 64 92 82 67
Nokia 42 51 38 46 40 43 48 32 43 38 45 33
Blackberry 8 0 2 4 8 13 9 21 21 23 9 0
Local 28 26 37 30 33 22 16 25 36 8 18 33
Base 1146 43 126 247 338 256 67 28 14 13 11 3
Figure 304: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 52 38 40 45 54 64 59 44 67 33 80 0 No 48 63 60 55 46 36 41 56 33 67 20 100
Figure 305: H12. Which brand of Smartphone handset will you buy? Foreign 91 93 80 89 89 95 97 100 100 100 100 100 Nokia 47 75 53 50 42 40 41 50 60 43 43 100 Blackberry 28 14 18 20 30 38 34 50 0 14 43 0 Local 5 4 9 4 6 2 0 0 0 0 0 0 Don’t Know 5 4 11 7 4 2 3 0 0 0 0 0 Base 603 28 66 137 185 121 32 12 5 7 7 3
Figure 306: H8. How much do you spend, on average, on mobile telephone bills per month?
72 75 6446 41 34 29
15
28 22 3243 41 43
43
5062
9 14 15
43
1511 8
0%
20%
40%
60%
80%
100%
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
Upto Rp 50,000 Rp 50,001 – 100,000 Rp 100,001 – 200,000 Rp 200,001 – 500,000 More than Rp 500,000
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 84
Indonesia: Travel Figure 307: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
63 6675 77 78 81 86
77 7164 68
76 80 82 8393
85 79
0
20
40
60
80
100
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 308: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
At home 34 47 47 38 28 36 28 4 10 10 33 0 Elsewhere in the country
66 53 53 62 72 64 72 96 90 90 67 100
International destination
0 0 0 0 0 0 0 0 0 0 0 0
Base : Unwtd 1126 49 126 268 327 241 58 24 10 10 9 4
Figure 309: J4. What was the main form of transport that you used to reach you holiday destination? Car 33 19 24 30 35 35 48 43 44 44 33 25 Bus 30 46 36 34 30 28 19 17 33 11 33 0 Train 6 8 4 7 6 8 0 9 0 11 17 0 Ship 2 0 4 1 2 2 0 0 0 0 17 0 Aeroplane 3 4 0 1 1 5 5 9 0 22 0 0 Other 26 23 31 27 27 21 29 22 22 11 0 75 Base : Unwtd 744 26 67 166 237 155 42 23 9 9 6 4
Figure 310: J7. Where are you planning to go for your next holiday? At home 27 38 36 30 21 29 28 4 18 0 17 0 Elsewhere in the country
72 62 64 70 79 69 70 92 73 100 83 100
International destination
1 0 0 0 0 2 2 4 9 0 0 0
Base : Unwtd 1167 50 129 269 342 252 60 26 11 11 12 5
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 85
Indonesia: Property Figure 311: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Yes 74 79 76 72 70 77 79 78 85 77 57 67 No 26 21 24 28 30 23 21 22 15 23 43 33 Base : Unwtd 1479 78 188 347 421 297 75 27 13 13 14 6
Figure 312: K2. If you do not own your own property, on what terms do you occupy the property? Rented 72 81 69 68 74 75 69 83 100 100 67 50 Mortgaged 10 0 11 8 10 15 6 0 0 0 33 0 Borrowed 13 19 18 17 12 6 19 17 0 0 0 0 Base : Unwtd 386 16 45 96 126 68 16 6 2 3 6 2
Figure 313: K3. What is the market value of the property? Up to Rp 100,000,000
43 71 67 55 33 30 20 24 27 0 38 50
Rp 100,000,001 – 250,000,000
38 23 28 33 48 43 37 19 36 10 25 25
Rp 250,000,001 – 500,000,000
12 2 2 7 12 15 36 38 18 40 25 0
Rp 500,000,001 – Rp 750,000,000
4 0 1 3 3 7 2 10 18 40 0 0
Rp 750,000,001 – Rp 1,000,000,000
1 0 0 0 1 2 3 10 0 0 0 0
More than Rp 1,000,000,000
0 0 1 0 0 0 2 0 0 10 0 0
Don’t Know 2 5 1 1 3 3 0 0 0 0 13 25 Base : Unwtd 1093 62 143 251 295 229 59 21 11 10 8 4
Figure 314: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so?
Upgrade 39 59 47 35 33 41 53 22 25 30 50 100 First-time home 37 35 37 50 40 25 20 33 25 50 50 0
Investment 15 0 3 11 15 21 27 22 25 20 0 0 Change of location 9 6 13 3 12 11 0 22 25 0 0 0
Base : Unwtd 442 17 38 92 137 102 30 9 4 10 2 1
Figure 315: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 50 49 48 53 52 49 44 37 46 54 36 33 About the same 21 22 23 19 20 22 20 37 46 8 36 50 Decrease 26 22 24 24 26 27 35 26 8 38 21 0 Base : Unwtd 1479 78 188 347 421 297 75 27 13 13 14 6
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 86
Figure 316: K5. Do you or your household intend to purchase a property in the next 2 years?
22 20 27 33 34 40 33 31
77
78 80 73 67 66 60 67 69
23
0%
20%
40%
60%
80%
100%
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 317: K4 & K7 – Property Financing: ALL CASH
87 90 84 82 81 76 7664 7068 65 71
5967
33
7590
0
20
40
60
80
100
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 318: K4 & K7 – Property Financing: CASH + CREDIT
5 3 59 8 5 5
9
0
1218
3023
2720
44
0
10
0
10
20
30
40
50
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 319: K4 & K7 – Property Financing: ALL CREDIT
0 1 1 2 35 5
9
00
11
46
1310
2225
00
5
10
15
20
25
30
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 87
Indonesia: Education Figure 320: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Public 60 62 68 53 62 62 61 55 38 80 58 100 Private 37 24 26 38 38 37 41 55 63 40 33 0 None of these 12 14 14 15 10 10 9 9 0 0 17 0 Base : Unwtd 1090 42 127 260 336 219 54 22 8 5 12 5
Figure 321: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 24 12 17 17 28 31 31 36 38 40 42 20 No 76 88 83 83 72 69 69 64 63 60 58 80 Base : Unwtd 1090 42 127 260 336 219 54 22 8 5 12 5
Figure 322: L4. Do you yourself currently participate in any adult continuing education? Yes 2 0 2 2 2 4 1 4 17 0 7 17 No 98 100 98 98 98 96 99 96 83 100 93 83 Base : Unwtd 1474 74 189 350 423 298 68 27 12 12 15 6
Figure 323: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 6 1 5 6 5 6 12 11 17 0 27 17 About the same 73 77 77 74 73 73 59 70 75 92 67 67 Less 21 22 17 20 22 21 29 19 8 8 7 17 Base : Unwtd 1474 74 189 350 423 298 68 27 12 12 15 6
Figure 324: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
1
5 6 5 6
12 11
17
0
22
1720
22 21
29
19
8 8
0
10
20
30
Less than Rp1,000,000
Rp 1,000,001 -Rp 1,500,000
Rp 1,500,001 -Rp 2,000,000
Rp 2,000,001 -Rp 3,000,000
Rp 3,000,001 -Rp 5,000,000
Rp 5,000,001 -Rp 7,500,000
Rp 7,500,001 -Rp 10,000,000
Rp 10,000,001 -Rp 15,000,000
Above15,000,001Sp
endi
ng o
n ed
ucat
ion
& tr
aini
ng
in th
e ne
xt 1
2 m
onth
s (%
of
hous
ehol
ds)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 88
Indonesia: Healthcare Figure 325: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Less than Rp
1000k
Rp 1000k -
1500k
Rp 1500k -
2000k
Rp 2000k -
3000k
Rp 3000k -
5000k
Rp 5000k -
7500k
Rp 7500k - 10000k
Rp 10000k -
15000k
More than Rp 15000k
Would prefer not to
answer
D.K
Yes 34 37 33 33 32 35 40 32 46 43 40 20 No 66 63 67 67 68 65 60 68 54 57 60 80 Base : Unwtd 1451 75 190 343 405 296 70 25 13 14 15 5 Figure 326: M2. What services, if any, could you get free from the state? Hospital 92 86 97 91 90 95 93 100 83 83 83 100 Emergency Room 18 11 15 21 16 17 29 38 33 0 17 0 Prescriptions 29 25 26 32 27 27 50 38 17 0 0 0 Vaccinations 12 7 16 16 13 9 14 13 0 17 0 0 Diagnostic tests 12 11 10 19 11 8 21 13 17 0 17 0 Base : Unwtd 489 28 62 113 128 103 28 8 6 6 6 1
Figure 327: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 12 9 5 9 12 17 24 20 31 36 7 0 No 88 91 95 91 88 83 76 80 69 64 93 100 Base : Unwtd 1451 75 190 343 405 296 70 25 13 14 15 5 Figure 328: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 4 4 5 4 3 5 9 4 15 7 0 0 Same 55 48 52 56 59 56 47 28 38 21 60 60 Less 41 48 44 40 38 39 44 68 46 71 40 40 Base : Unwtd 1451 75 190 343 405 296 70 25 13 14 15 5 Figure 329: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 69 83 79 69 65 67 64 64 77 79 73 80
1-10% extra 24 16 18 24 27 25 26 20 15 7 20 20
11-20% extra 6 1 3 5 7 6 9 12 0 7 7 0
21-30% extra 1 0 0 1 0 2 1 0 0 7 0 0
more than 30% extra 0 0 0 1 0 0 0 4 8 0 0 0 Base : Unwtd 1451 75 190 343 405 296 70 25 13 14 15 5
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 89
Russia The poor BRIC relation While being part of the BRIC acronym, Russia displays few of the characteristics common to the others. Optimism is far lower, income growth poorer and there is a far greater disparity between the expectations of the rich and poorer respondents.
The net percentage expecting an improvement versus a deterioration in their financial conditions has fallen again in 2012 from 20% to 16%. To put this in the context of other BRIC countries, Brazil stands at 68%. The decline has been fairly uniform across the income scale also from a starting point of considerable disparity in expectations.
Income growth expectations are very modest by the standards of the survey. Even though there may be over-optimism expressed in a number of these countries, income growth expectations peaking at 2.5% in Russia compare to double that in Brazil and twice that again in China and Indonesia (11%). Against this backdrop, one of the highest forecast inflation rates in our survey (after India and Turkey) should render growth very much negative in real terms.
As much as the growth in income, a major constraint for many consumers comes from the proportion of income that is devoted to food (close to 30%), with the survey average a far lower 20%. Every other specific category, except for entertainment, registers lower spending per month than average. Categories geared to the poor (e.g. carbonated drinks) are generally doing worse, while discretionary spending areas more typical of the rich are holding up well. The momentum in smartphones and internet access – which effectively go hand-in-hand – is stronger than any other category of spending.
Finally, the under-penetration of sophisticated financial investments highlighted last year remains. Access to bank accounts has increased marginally, yet the use of other channels of investment – such as life insurance, mutual funds and the stock market – remains very elusive. The relatively high level of income does not, unfortunately, coincide with a high level of saving either (far less that the survey average).
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 90
Russia: Spending sentiment Figure 330: Country product purchasing in 2012 vs survey average
Carbonated drinksBeer
Spirits
Dairy
CosmeticsFashion apparel
Sports shoes
Watches
Perfume
Computers
Mobile phones
Smartphone
Internet accessHolidays
Property
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in R
ussia
, 201
2
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in Russia
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey
Figure 331: Country product purchasing in 2012 vs change over 2011
Carbonated drinks
Beer
SpiritsDairy
Cosmetics
Fashion apparel
Sports shoes
Watches
Perfume
Computers
Mobile phones
SmartphoneInternet access
Holidays
Property
Extra education
Cars
-10
-5
0
5
10
15
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 91
Russia: Demographics Figure 332: A6. Could you please tell me your age? Figure 333: N2. What is your total after tax monthly
income?
28
35
23
14
0
10
20
30
40
18-29 30-45 46-55 56-65
% o
f res
pond
ents
14
10
17
22
13
7
20
0
5
10
15
20
25
Less
Tha
n50
00 R
UB
5001
-10
000
RU
B
1000
1-20
000
RU
B
2000
1-30
000
RU
B
3000
1-50
000
RU
B
5000
1-70
000
RU
B
7000
1-10
0000
RU
B
1000
01-
2000
00R
UB
Abov
e20
0000
RU
B% o
f res
pond
ents
Note: Sample size: 1514 respondents across 4 geographical regions
Figure 334: Urban / Rural split Figure 335: Male / Female split
33
67
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
50 50
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 336: A9. How many people live in your household? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
1 7 17 61 19 3 4 1 0 0 0 3 7 2 26 58 20 36 39 24 19 10 4 0 26 19 3 37 8 14 33 36 44 45 43 27 100 29 38 4 22 8 5 9 17 21 25 34 54 0 32 26 5 or more 8 8 2 3 6 7 11 13 15 0 10 10
Mean 2.98 2.33 1.67 2.43 2.83 3.03 3.25 3.5 3.81 3 3.19 3.14
Figure 337: A12. How many children does your household have? 1 77 100 93 81 75 78 73 76 59 0 77 80 2 20 0 7 19 18 19 22 22 35 0 23 15 3 3 0 0 0 5 3 4 2 6 0 0 6 4 0 0 0 0 1 0 0 0 0 0 0 0 5 or more 0 0 0 0 0 0 0 0 0 0 0 0 Mean 1.26 1 1.07 1.19 1.33 1.25 1.31 1.26 1.47 0 1.23 1.26
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 92
Figure 338: A15. In your opinion is now a good time to make a major purchase?
0 12
50
1532 39 39 53 53
62
10
5047
5049 48
39 3927
503817 10 9
0%
20%
40%
60%
80%
100%
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 339: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-50-70
-35-19 -14
13 16
47
0
-90-70-50-30-10103050
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Figure 340: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
17 24 19 26 2135
50
58 52 68 60 70 71 64 5450
25 24 13 14 9
26
11 12
240%
20%
40%
60%
80%
100%
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Better About the same Worse
Figure 341: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
-8
06
12 12
23
13
23
50
-10
0
10
20
30
40
50
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 93
Russia: Income and Other Figure 342: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Bank account 23 8 15 17 15 24 33 44 42 50 23 20 Life insurance 1 8 3 2 2 1 0 0 0 0 1 2 Stock market 0 0 0 0 0 0 1 1 0 0 0 1 Cash 21 8 12 18 17 22 34 37 42 0 11 15 Mutual Fund 0 0 0 0 0 0 0 0 4 0 1 1 Treasury bond 0 0 0 0 0 0 0 0 0 0 0 0 Property 2 8 0 0 1 2 4 3 4 0 1 1 No extra saving 57 67 71 65 69 57 38 23 19 50 67 65 Base : Unwtd 1500 12 66 149 253 328 198 98 26 2 203 165 Figure 343: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 2 8 6 3 2 1 1 2 0 0 1 2 -10% to -20% 3 8 9 4 4 2 3 4 4 0 2 1 -10% to flat 8 0 8 11 8 8 7 3 4 0 6 10 Unchanged 65 50 50 66 64 69 70 54 50 50 65 66 Flat to +10% 15 8 20 9 15 15 14 20 19 50 19 12 +10 to +20% 4 0 0 5 4 3 4 11 15 0 4 2 +20 to +30% 1 0 3 1 1 1 1 4 8 0 0 2 30%+ 1 17 2 1 0 1 0 1 0 0 1 3 Base : Unwtd 1500 12 66 149 253 328 198 98 26 2 203 165 Figure 344: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 2 8 6 3 2 1 1 1 0 0 1 1 -10% to -20% 2 0 6 5 2 2 2 3 8 0 1 0 -10% to flat 6 8 8 4 7 7 5 10 8 0 5 8 Unchanged 60 58 59 62 60 63 62 58 42 50 59 61 Flat to +10% 16 8 12 15 14 17 20 12 23 0 18 15 +10 to +20% 9 17 2 5 10 8 10 11 19 50 9 8 +20 to +30% 3 0 5 4 4 2 2 2 0 0 5 4 30%+ 1 0 2 2 2 2 0 2 0 0 1 2 Base : Unwtd 1500 12 66 149 253 328 198 98 26 2 203 165
Figure 345: N5. What proportion of your spending is done via credit cards? 0-5% 2 8 5 2 3 2 3 4 4 0 2 0 6-10% 4 8 0 3 5 3 4 7 12 0 3 2 11-15% 4 0 0 4 4 4 4 11 19 0 1 2 16-20% 3 0 2 1 3 3 4 4 4 0 1 4 21-25% 3 0 2 1 1 3 8 6 4 50 1 2 More than 25% 3 0 5 2 1 2 8 8 8 0 3 2 No credit card 75 83 79 81 79 80 67 53 42 50 79 74 Mean % exp 16 5 17 14 13 15 19 16 15 23 16 19 Base : Unwtd 1500 12 66 149 253 328 198 98 26 2 203 165
Figure 346: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 22 50 14 24 26 23 25 22 7 100 24 14 Staying the same 69 50 71 66 63 67 69 74 80 0 64 77 Decreasing 9 0 14 10 12 10 7 4 14 0 12 10 Base : Unwtd 375 2 14 29 54 64 65 46 15 1 42 43
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 94
Russia: Automobiles Figure 347: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to answer
D.K
Yes 44 27 10 25 40 44 54 75 72 100 45 45 No 56 73 90 75 60 56 46 25 28 0 55 55
Figure 348: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 2 0 0 2 3 2 2 4 0 0 2 3 No 98 100 100 98 98 98 98 96 100 100 98 97
Figure 349: B3. How many cars do you own in your household? 1 90 100 100 91 91 95 92 78 78 100 90 89 2 9 0 0 6 9 4 8 22 22 0 7 10 3 or more 1 0 0 3 0 1 0 0 0 0 2 1
Figure 350: B5. How long ago did you purchase this car? 1 year or less 23 33 17 40 28 20 18 30 33 0 15 23 2 to 4 years 52 33 33 29 51 57 59 48 50 50 57 45 5 to 7 years 21 0 33 20 16 22 22 22 17 50 21 24 8 to 10 years 2 0 0 3 3 0 1 0 0 0 4 6 More than 10 years ago 2 33 17 9 2 1 1 0 0 0 4 3 Base : Unwtd 614 3 6 35 95 138 97 67 18 2 82 71
Figure 351: B7. How did you finance it? All Cash 55 33 33 60 59 54 56 55 44 50 52 56 Cash + Credit 29 33 33 20 23 35 32 37 44 50 22 23 All Credit 9 33 33 9 15 7 6 3 11 0 15 7 Part Exchange 2 0 0 3 1 2 1 4 0 0 2 1 Base : Unwtd 614 3 6 35 95 138 97 67 18 2 82 71
Figure 352: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
90 1 2 2 3 2
12
00 2 26 7 8 10
16
0
1810 10
611 14 16
20
0
1810
1914
20 21 2116
0
55
71
6064
5247 44
20
100
0
20
40
60
80
100
Less Than5000 RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000
RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 95
Figure 353: B4. What brand is the car your household last purchased? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Foreign Cars 60 33 68 24 40 58 71 70 104 50 55 62 Nissan 5 0 17 0 1 8 8 7 17 0 1 4 Hyundai 4 33 0 0 1 4 4 4 17 50 6 3 Toyota 5 0 0 3 2 5 4 9 0 0 7 4 Local Cars 39 67 32 73 60 41 29 30 -4 50 43 34 Lada / VAZ / Zhiguli 28 0 17 54 43 31 19 13 0 50 26 24 GAZ / Volga / Gazel 4 0 0 3 6 7 4 0 0 0 1 3 Base : Unwtd 614 3 6 35 95 138 97 67 18 2 82 71
Figure 354: B16. How do you plan to finance the upcoming car purchase? All Cash 28 100 0 0 37 32 15 36 71 0 16 20 Cash + Credit 50 0 100 40 26 43 70 55 29 0 53 80 All Credit 7 0 0 0 21 14 0 0 0 0 5 0 Part Exchange 2 0 0 0 5 7 0 0 0 0 0 0 Don’t Know 12 0 0 60 11 4 15 9 0 0 26 0 Base : Unwtd 121 1 1 5 19 28 20 11 7 0 19 10
Figure 355: B17. How much do you plan to spend on the car you or your household is planning to purchase ? Upto RUB 300’000 24 0 100 40 32 32 20 9 29 0 5 30
RUB 300’000 – 450’000 21 0 0 40 32 25 25 9 0 0 21 10
RUB 450’000 – 600’000 19 100 0 0 11 25 35 9 0 0 11 30
RUB 600’000 – 900’000 10 0 0 0 16 11 5 9 29 0 5 10
More than RUB 900’000 8 0 0 0 5 4 0 27 14 0 21 0
Base : Unwtd 121 1 1 5 19 28 20 11 7 0 19 10
Figure 356: B15. Which car brand are you most likely purchase? Foreign Cars 62 100 0 0 60 67 71 61 42 0 70 55 Mazda 7 0 0 0 4 9 17 0 0 0 5 9 Nissan 6 0 0 0 0 9 4 8 0 0 19 0 Local Cars 24 0 100 60 26 33 17 15 14 0 9 36 Lada / VAZ / Zhiguli 19 0 100 40 17 30 13 15 0 0 5 36 Base : Unwtd 121 1 1 5 19 28 20 11 7 0 19 10
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 96
Russia: Food & Beverage Figure 357: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Drinks: Yes 63 50 30 48 57 70 75 81 100 0 62 58
Drinks: No 37 50 70 52 43 30 25 19 0 100 38 42
Drinks: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Beer: Yes 59 33 30 44 57 62 63 72 68 100 64 63
Beer: No 41 67 70 56 43 38 37 28 32 0 36 37
Beer: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Bottled Water: Yes 80 67 54 70 76 84 89 94 100 100 83 76
Bottled Water: No 20 33 46 30 24 16 11 6 0 0 17 24
Bottled Water: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Spirits: Yes 46 33 21 34 48 48 62 56 64 100 40 40
Spirits: No 54 67 79 66 52 52 38 44 36 0 60 60
Spirits: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Dairy: Yes 91 83 95 92 90 92 95 97 100 100 89 83
Dairy: No 9 17 5 8 10 8 5 3 0 0 11 17
Dairy: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Figure 358: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 73 67 48 62 67 71 82 83 84 - 69 71 Coca-Cola 21 13 14 19 21 20 22 21 24 - 22 19 Drinks - Local 27 33 50 36 32 28 18 17 16 - - 27 Chernogolovka 6 0 5 4 2 8 7 6 6 - 7 6 Fructtime 3 7 5 2 2 3 3 3 2 - 3 5 Drinks - Base 814 6 19 63 126 201 123 72 22 0 99 83 Beer - Foreign 14 0 3 9 8 14 15 24 25 0 16 14 Beer - Local 85 88 97 89 91 85 85 76 75 100 83 85 Baltica 13 13 17 13 15 15 11 10 11 0 11 12 Zhigulevskoe 8 0 17 13 11 7 6 4 2 20 10 9 Tuborg 6 0 0 3 3 6 9 5 9 20 8 7 Sibirskaya Korona 6 13 8 6 6 7 2 6 13 20 4 6 Beer - Base 761 4 19 57 126 177 104 64 15 2 102 91 Water - Foreign 1 0 0 1 0 1 0 4 0 0 1 2 Water - Local 98 92 98 98 99 99 100 96 100 100 98 96 Aqua Minerale 17 8 16 14 15 15 19 17 21 0 20 20 BonAqua 15 17 11 15 14 15 13 16 16 0 15 15 Svyatoi Istochnik 7 8 5 7 6 8 7 9 7 14 7 8 Water - Base 1035 8 34 91 168 239 146 84 22 2 132 109 Spirits - Foreign 20 33 10 6 12 19 22 36 36 0 16 20 Spirits - Local 79 50 87 93 85 80 78 64 64 75 81 77 5 ozer 9 0 13 14 12 7 11 8 8 25 8 7 Zhuravli 6 0 3 2 6 7 8 4 3 0 6 3 Putinka 7 0 3 9 6 8 7 7 5 0 6 4 Spirits - Base 593 4 13 44 106 137 102 50 14 2 63 58 Dairy - Foreign 27 38 22 23 23 26 30 31 31 50 29 27 Dairy - Local 72 62 78 75 76 73 70 69 69 50 69 71 Domik v Derevne 12 6 11 11 12 12 12 13 12 10 11 10 Veselyi Molochnik 9 9 13 9 10 9 9 7 6 0 9 8 Chudo 8 9 4 6 8 9 8 9 7 0 6 9 Dairy - Base 1179 10 60 120 199 263 156 86 22 2 142 119
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 97
Figure 359: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Drinks: Yes 5 17 5 7 3 3 5 2 9 0 7 7 Drinks: No 95 83 95 93 97 97 95 98 91 100 93 93
Drinks: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Beer: Yes 5 8 6 5 5 5 6 1 0 0 6 5
Beer: No 95 92 94 95 95 95 94 99 100 100 94 95
Beer: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Water: Yes 8 8 5 6 9 7 10 4 9 0 12 8
Water: No 92 92 95 94 91 93 90 96 91 100 88 92
Water: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Spirits: Yes 6 8 5 6 8 6 6 2 0 0 6 6
Spirits: No 94 92 95 94 92 94 94 98 100 100 94 94
Spirits: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Dairy: Yes 19 17 21 18 20 19 16 21 41 0 23 13
Dairy: No 81 83 79 82 80 81 84 79 59 100 77 88
Dairy: Base 1293 12 63 130 222 286 164 89 22 2 159 144
Figure 360: C4. What % of your diet is made up of meat? 0% 0 0 0 0 0 1 0 0 0 0 0 1 0-5% 4 25 14 5 3 3 1 4 0 0 5 5 6-15% 16 25 21 26 19 13 12 10 5 0 16 11 16-25% 30 17 25 33 33 32 34 36 45 50 23 22 More than 25% 39 25 24 30 36 44 49 48 50 50 38 28
Figure 361: C5. How do you think your meat consumption is likely to change over the next 12 months?
824 18 20 21
50
0
8368 75 73 77 79
7150
100
8 8 7 6
18 29
0%
20%
40%
60%
80%
100%
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
More The Same Less
Plan
ned
spen
d on
mea
t in
12m
onth
s (%
of p
op. l
ikel
y to
cha
nge
inta
ke)
Source: Credit Suisse Emerging Consumer Survey Note: ‘No responses’ account for the remainder of population in % stacked columns
Figure 362: CR3. Which of the following stores do you purchase your groceries from most frequently? Auchan 23 0 5 7 15 22 30 46 33 100 17 30 Perekrestok 11 33 21 21 8 8 11 7 5 0 9 16 Magnit 8 33 16 10 15 5 4 0 0 0 12 5 O'Key 6 0 0 3 0 6 16 3 0 0 6 9 Pyaterochka 6 0 16 16 7 9 0 3 0 0 5 5 Others 18 0 16 18 23 24 10 3 19 0 28 11
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 98
Russia: Home & Personal Care Figure 363: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Tissues: Yes 79 75 77 74 77 80 90 88 96 50 76 67 Tissues: No 21 25 23 26 23 20 10 12 4 50 24 33 Tissues: Base 1429 12 62 139 248 315 186 94 26 2 184 161
Fem Hygiene: Yes 85 75 68 74 89 92 92 98 100 0 80 76 Fem Hygiene: No 15 25 32 26 11 8 8 2 0 0 20 24 Fem Hygiene: Base 717 8 41 81 122 152 101 45 10 0 85 72 Cosmetics: Yes 55 42 42 53 53 55 65 68 65 50 53 45 Cosmetics: No 45 58 58 47 47 45 35 32 35 50 47 55 Cosmetics: Base 1429 12 62 139 248 315 186 94 26 2 184 161
Figure 364: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 5 0 0 2 3 5 8 9 13 33 4 4 Tissues - Local 91 100 96 90 91 94 90 90 87 67 91 85 56 Metres 11 13 12 14 16 13 8 7 4 0 10 9 Myakgiy znak 11 7 6 4 11 12 15 11 13 33 11 10 Tissues - Base 1128 9 48 103 192 251 168 83 25 1 140 108 Fem Hygiene - Foreign 35 29 19 23 31 38 46 41 52 - 30 33 Always 22 14 9 19 20 25 27 21 38 - 17 22 Fem Hygiene - Local 64 71 81 72 67 61 53 59 48 - 68 65 Naturella 13 29 19 26 15 11 8 7 5 - 13 19 Bella 12 0 7 11 15 11 11 11 0 - 13 13 Fem Hygiene - Base 612 6 28 60 108 140 93 44 10 0 68 55 Cosmetics - Foreign 71 55 50 62 69 73 77 75 87 100 70 68 Nivea 16 9 13 10 14 18 19 23 16 33 14 18 Avon 10 0 11 12 12 9 11 6 0 0 10 9 Cosmetics - Local 28 36 50 38 28 27 23 24 11 0 28 31 Oriflame 11 18 6 17 12 12 9 10 3 0 11 8 Chistaya Liniya 12 9 16 18 12 13 11 10 0 0 11 15 Cosmetics - Base 782 5 26 73 132 173 121 64 17 1 97 73
Figure 365: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 8 25 13 8 7 7 10 4 12 0 10 8 Tissues: Base 92 75 87 92 93 93 90 96 88 100 90 92 Fem Hygiene: Yes 8 25 15 4 8 7 8 2 10 0 7 10 Fem Hygiene: Base 92 75 85 96 92 93 92 98 90 0 93 90
Cosmetics: Yes 10 17 10 8 9 9 10 7 19 0 13 9 Cosmetics: Base 90 83 90 92 91 91 90 93 81 100 88 91
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 99
Russia: Luxury Goods Figure 366: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Fashion: Yes 64 40 44 52 63 67 79 80 86 50 66 51 Fashion: No 36 60 56 48 37 33 21 20 14 50 34 49 Fashion: Base 1324 10 63 132 227 287 177 87 21 2 166 152
Leather: Yes 44 40 41 33 39 47 52 57 62 50 44 34 Leather: No 56 60 59 67 61 53 48 43 38 50 56 66 Leather: Base 1324 10 63 132 227 287 177 87 21 2 166 152 Sportswear: Yes 37 20 17 26 36 39 36 66 52 50 43 34 Sportswear: No 63 80 83 74 64 61 64 34 48 50 57 66 Sportswear: Base 1324 10 63 132 227 287 177 87 21 2 166 152 Watches: Yes 4 20 6 2 4 3 4 6 19 0 6 4 Watches: No 96 80 94 98 96 97 96 94 81 100 94 96 Watches: Base 1324 10 63 132 227 287 177 87 21 2 166 152 Jewellery: Yes 6 10 2 5 5 7 5 9 19 50 8 4 Jewellery: No 94 90 98 95 95 93 95 91 81 50 92 96 Jewellery: Base 1324 10 63 132 227 287 177 87 21 2 166 152 Perfumes: Yes 40 30 27 30 35 44 47 57 71 50 47 28 Perfumes: No 60 70 73 70 65 56 53 43 29 50 53 72 Perfumes: Base 1324 10 63 132 227 287 177 87 21 2 166 152
Figure 367: F3. If so, what brand was this / brands were these? Fashion - Foreign 28 18 10 13 14 24 25 50 69 100 32 34 Zara 6 9 0 3 2 5 7 10 8 0 5 7 Fashion - Local 69 73 73 84 83 73 73 50 31 0 63 61 O’stin 7 9 5 8 6 7 9 7 4 0 6 7 Unbranded 32 9 37 46 50 34 28 18 6 0 32 24 Fashion - Base 851 4 28 68 144 193 139 70 18 1 109 77 Leather - Foreign 15 0 10 11 16 9 19 26 27 100 23 2 Prada 2 0 0 0 0 4 2 6 0 50 2 0 Leather - Local 75 75 76 76 71 85 78 69 53 0 63 87 Unbranded 63 75 62 65 61 76 65 52 20 0 51 75 Leather - Base 577 4 26 43 88 136 92 50 13 1 73 51 Sportswear - Foreign 69 0 23 51 63 67 78 84 75 100 61 83 Adidas 28 0 15 35 25 28 23 35 38 0 24 38 Sportswear - Local 27 100 62 41 31 31 22 15 25 0 29 14 Unbranded 22 100 62 32 23 26 17 12 19 0 26 11 Sportswear - Base 495 2 11 34 81 112 64 57 11 1 71 51 Watches - Foreign 22 0 0 50 10 0 0 60 50 - 36 33 Tissot 7 0 0 0 0 0 0 20 25 - 9 17 Watches - Local 55 50 50 50 40 67 100 40 25 - 55 50 Watches - Base 59 2 4 2 10 9 7 5 4 0 10 6 Jewellery - Foreign 16 0 0 17 17 14 0 13 50 0 31 0 Swarovski 10 0 0 0 0 14 0 13 50 0 15 0 Jewellery - Local 74 100 100 83 75 81 89 75 25 100 62 67 Jewellery - Base 81 1 1 6 12 20 9 8 4 1 13 6 Perfumes - Foreign 68 40 33 54 50 64 84 86 90 100 64 62 Kenzo 8 0 6 15 4 12 8 8 10 0 6 2 L’Oreal 8 20 0 13 10 9 11 5 3 0 4 2 Perfumes - Local 27 60 50 31 42 30 15 12 7 0 31 35 Perfumes - Base 535 3 17 39 79 126 84 50 15 1 78 43
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 100
Figure 368: F5. Thinking about these purchases, how much did you spend?
% of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Fashion: Up to RUB 1000 2 25 4 6 4 2 1 0 0 0 2 0 Fashion: RUB 1001 - 3000 18 25 43 31 33 13 10 3 0 0 14 14 Fashion: RUB 3001 - 5000 27 0 29 31 31 32 23 13 6 0 34 22 Fashion: RUB 5001 - 8000 18 25 14 10 14 18 26 20 17 0 15 18 Fashion: RUB 8001 - 12000 12 0 0 7 7 12 20 26 6 0 6 12 Fashion: RUB 12001 - 20000 8 0 0 1 4 7 11 11 28 100 9 8 Fashion: RUB 20001 - 50000 5 0 4 1 0 2 4 19 28 0 6 6 Fashion: Mean Exp R$ 7543 3167 4538 4608 4522 6551 8436 13969 19233 16000 8074 8742 Leather: Up to RUB 1000 3 0 23 7 3 1 2 0 0 0 1 0 Leather: RUB 1001 - 3000 35 50 54 63 48 35 24 14 15 0 36 29 Leather: RUB 3001 - 5000 26 0 15 21 31 32 32 20 15 0 22 20 Leather: RUB 5001 - 8000 14 0 4 2 9 15 24 28 31 100 7 10 Leather: RUB 8001 - 12000 7 0 0 0 2 8 12 14 15 0 7 10 Leather: RUB 12001 - 20000 4 0 0 0 1 1 2 12 8 0 7 10 Leather: RUB 20001 - 50000 2 0 0 0 0 0 2 2 15 0 4 6 Leather: Mean Exp R$ 5157 2000 2260 2488 3410 4347 5744 7689 11077 6500 6303 7849 Sportswear: Up to RUB 1000 5 0 18 15 5 5 3 0 0 0 4 2 Sportswear: RUB 1001- 3000 34 50 55 50 49 39 25 18 27 0 25 25 Sportswear: RUB 3001- 5000 31 0 9 24 20 37 44 32 9 100 37 25 Sportswear: RUB 5001- 8000 15 0 0 0 15 11 22 28 27 0 11 22 Sportswear: RUB 8001 - 12000
4 0 0 3 2 1 0 12 9 0 3 10
Sportswear: RUB 12001 - 20000
2 0 0 0 1 1 2 2 0 0 7 6
Sportswear: RUB 20001 - 50000
1 0 0 0 0 1 0 4 0 0 0 0
Sportswear: Mean Exp R$ 4300 2000 2000 2613 3493 3745 4148 6519 4938 4000 4758 5402 Watches: Up to RUB 1000 17 0 50 50 20 33 14 0 0 0 10 0 Watches: RUB 1001 - 3000 32 50 25 50 20 44 43 20 25 0 20 50 Watches: RUB 3001 - 5000 17 0 0 0 30 11 29 20 25 0 20 0 Watches: RUB 5001 - 8000 5 0 0 0 0 0 14 20 0 0 0 17 Watches: RUB 8001 - 12000 3 0 0 0 10 0 0 0 0 0 10 0 Watches: RUB 12001 - 20000
2 0 0 0 0 11 0 0 0 0 0 0
Watches: RUB 20000 - 50000
5 0 0 0 0 0 0 20 25 0 10 0
Watches: Mean Exp R$ 5177 2000 1333 1500 3500 3444 3071 11875 13667 0 8286 3125 Jewellery: Up to RUB 1000 2 0 0 0 0 0 0 13 0 0 8 0 Jewellery: RUB 1001 - 3000 6 0 0 0 8 15 0 0 25 0 0 0 Jewellery: RUB 3001 - 5000 20 0 0 33 25 15 11 25 25 0 15 33 Jewellery: RUB 5001 - 8000 19 0 100 17 33 10 11 25 0 100 23 0 Jewellery: RUB 8001 - 12000 17 100 0 33 0 30 33 13 0 0 0 17 Jewellery: RUB 12001 - 20000
16 0 0 0 25 25 11 13 25 0 8 17
Jewellery: RUB 20001 - 50000
10 0 0 0 0 5 33 0 0 0 23 17
Jewellery: More than RUB 50000
2 0 0 17 0 0 0 13 0 0 0 0
Jewellery: Mean Exp R$ 12020 10000 6500 14083 8000 10300 17945 12250 7333 6500 14950 13800 Perfumes: Up to RUB 1000 5 0 12 18 10 2 1 2 0 0 3 5 Perfumes: RUB 1001 - 3000 15 33 35 23 22 22 4 0 0 0 15 7 Perfumes: RUB 3001 - 5000 23 33 29 38 18 27 23 8 7 0 24 26 Perfumes: RUB 5001 - 8000 17 0 12 5 19 18 20 20 7 0 21 16 Perfumes: RUB 8001 - 12000 10 33 0 8 6 10 15 16 13 0 6 7 Perfumes: RUB 12001 - 20000
8 0 0 0 5 7 11 24 20 0 5 7
Perfumes: RUB 20001 - 50000
12 0 0 0 8 6 21 28 47 100 10 7
Perfumes: Mean Exp R$ 9864 5333 3133 3556 7529 7358 13719 17224 23107 35000 9091 8766
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 101
Figure 371: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 372: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
02
1 1
53
13
5
00
5
10
15
20
Less
Tha
n 500
0RU
BLES
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
RUBL
ES
1000
01-2
0000
0RU
BLES
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
0
32
56
5
14
19
00
5
10
15
20Le
ss T
han 5
000
RUBL
ES
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
RUBL
ES
1000
01-2
0000
0RU
BLES
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 373: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 374: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
40
2430
3546 45
59
71
50
0
20
40
60
80
100
Less
Tha
n 500
0RU
BLES
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
RUBL
ES
1000
01-2
0000
0RU
BLES
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
1021
27 3037 35
59
90
50
0
20
40
60
80
100
Less
Tha
n 500
0RU
BLES
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
RUBL
ES
1000
01-2
0000
0RU
BLES
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 369: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 370: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
40
5763
7080 82 83
95
50
0
20
40
60
80
100
Less
Tha
n50
00…
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
…
1000
01-
2000
00…
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
30 3241
47
60 62
74
90
50
0
20
40
60
80
100
Less
Tha
n50
00…
5001
-100
00RU
BLES
1000
1-20
000
RUBL
ES
2000
1-30
000
RUBL
ES
3000
1-50
000
RUBL
ES
5000
1-70
000
RUBL
ES
7000
1-10
0000
…
1000
01-
2000
00…
Abov
e 200
000
RUBL
ES
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 102
Russia: Technology and Internet Figure 375: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
5000 7500 15000 25000 40000 60000 85000 More than100000
Income (RUB)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 376: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Blu-Ray Player 0 0 0 1 0 0 0 0 0 0 0 0 Camcorder 2 0 2 1 2 4 1 2 0 0 1 2 Desktop computer 1 0 0 1 2 1 1 0 0 0 0 1 Digital Camera 2 0 3 3 2 1 4 3 8 0 3 0 DVD Player 0 0 0 1 1 0 1 0 0 0 1 0 E-Reader 2 0 0 0 1 2 4 5 0 0 3 3 Gaming facility 1 0 0 0 0 0 1 1 12 0 1 1 GPS/Navigation 1 0 2 0 1 1 2 1 4 0 1 1 Internet Service 0 0 0 1 1 0 1 0 0 0 0 1 Mobile Phone 4 9 0 3 6 5 3 2 8 0 1 4 Smartphone 4 0 2 0 2 3 5 10 12 0 8 2 MP3 1 0 3 1 1 0 0 1 0 0 2 1 Netbook 1 0 2 1 0 1 1 0 0 0 5 2 Notebook PC 6 0 3 6 4 9 6 11 4 0 5 4 Stereo HiFi 0 0 0 0 0 0 1 0 0 0 1 0 Traditional TV 0 0 0 1 0 0 0 0 0 0 0 0 LCD TV 5 0 3 3 4 4 6 9 19 0 6 3 Tablet 3 0 0 3 1 1 7 3 12 0 3 1 Flat screen TV 4 18 2 2 2 3 6 5 19 0 5 3 None of these 69 73 84 77 75 67 61 55 35 100 67 77 Figure 377: G6. Which brand of TV (LCD Flat screen) are you most likely to purchase? Samsung 31 0 50 25 20 31 42 50 20 0 18 40 Sony 10 0 50 25 0 8 0 25 0 0 0 40 Toshiba 6 0 0 0 0 8 0 13 20 0 9 0 LG 10 0 0 0 20 0 25 0 20 0 9 0 Panasonic 10 0 0 0 0 15 8 0 40 0 18 0 Philips 4 0 0 0 10 8 8 0 0 0 0 0 Base : Unwtd 70 0 2 4 10 13 12 8 5 0 11 5
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 103
Figure 378: l6. What services have you used in the last 6 months?
17 2132
2 6 8414
30
0 414
76 73 77
17 1123
0 1 10
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 379: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Yes 71 42 38 49 59 78 89 93 96 100 70 67 No 29 58 63 51 41 22 11 7 4 0 30 33
Figure 380: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 86 60 46 77 86 90 88 97 92 100 88 79 No 9 40 29 11 9 7 9 3 8 0 9 9 Don’t know 5 0 25 11 5 4 3 0 0 0 2 11
Figure 381: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 17 0 21 10 16 16 21 21 28 50 17 19 The same 78 100 67 83 80 80 79 77 72 50 78 74 Less 4 0 12 7 5 4 1 2 0 0 4 8 Base: Unwtd 1031 5 24 70 147 249 173 91 25 2 138 107
Figure 382: I3. Which is your Internet Service provider? Akado 7 0 0 1 3 4 13 9 16 0 7 7
Stream 5 0 0 1 2 5 7 11 4 50 4 2
Korbina 6 0 0 0 3 4 9 16 8 0 6 6
Skylink 2 20 0 1 2 3 1 1 0 0 4 2
MGTS 5 0 0 3 1 6 6 11 20 0 4 4
Others 58 60 63 61 68 66 49 33 32 50 64 52 Base : Unwtd 1031 5 24 70 147 249 173 91 25 2 138 107
Figure 383: I4. What is your most frequently used search engine? Yandex 46 40 54 59 45 47 43 43 56 50 38 48 Google 33 40 25 23 36 33 28 35 24 0 39 35 Rambler 6 0 4 0 5 5 13 8 12 0 4 2 Mail.ru 9 20 13 7 4 10 9 13 8 0 10 9 Turtle 0 0 0 0 0 1 1 0 0 0 0 0
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 104
Russia: Telecommunications Figure 384: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Yes, I pay for it 95 100 86 92 95 97 95 96 100 100 97 94 Yes, employer pays 1 0 0 0 1 1 2 0 0 0 0 1 Yes, somebody else pays
2 0 2 4 2 2 3 4 0 0 1 3
No, I do not 2 0 12 3 2 0 1 0 0 0 3 3 Base : Unwtd 1480 11 65 146 253 325 195 98 25 2 200 160
Figure 385: H3. What brand is your current mobile handset? Nokia 36 55 46 32 32 37 33 31 40 0 43
Samsung 35 18 30 43 41 40 34 33 20 50 27
Sony Ericsson 6 0 4 5 7 6 7 8 4 0 8
Base 1450 11 57 141 248 324 194 98 25 2 194
Figure 386: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 19 0 0 11 19 16 19 35 43 0 28 16 No 81 100 100 89 81 84 81 65 57 0 72 84 Base : Unwtd 450 4 13 38 79 136 73 23 7 0 46 31 Figure 387: H12. Which brand of Smartphone handset will you buy? Nokia 35 25 29 33 33 41 34 25 57 0 37 29 Samsung 24 0 29 21 18 29 24 27 7 0 26 16 Apple 7 25 7 5 3 5 11 14 14 100 6 11 Sony Ericsson 4 0 0 2 4 6 6 0 0 0 1 2 Base 637 4 14 43 98 184 113 51 14 1 70 45
Figure 388: H8. How much do you spend, on average, on mobile telephone bills per month?
91 91 90 85 7856
4020
50
9 8 11 1835
4256
7 13 2450
0%
20%
40%
60%
80%
100%
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
Upto 600 RUB 601 - 1200 RUB 1201 - 2000 RUB 2001 - 3000 RUB More than 3001 RUB
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 105
Russia: Travel Figure 389: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
42 3545 52
65 6780
88100
1726
45 49
68 73 7388
50
0
20
40
60
80
100
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 390: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
At home 38 80 65 64 46 39 18 21 26 50 37 41 Elsewhere in the country 42 20 22 27 40 46 50 49 22 0 41 41 International destination 21 0 13 9 15 16 32 31 52 50 22 17 Base : Unwtd 872 5 23 67 131 212 132 78 23 2 124 75
Figure 391: J4. What was the main form of transport that you used to reach you holiday destination? Car 19 0 0 25 14 20 19 37 18 0 14 9 Bus 10 100 25 17 20 10 4 2 6 0 6 16 Train 41 0 38 42 42 48 44 27 12 0 40 48 Ship 1 0 0 4 1 0 0 0 0 0 3 0 Aeroplane 30 0 38 13 23 22 34 34 65 100 37 27 Other 0 0 0 0 0 0 0 0 0 0 0 0 Base : Unwtd 544 1 8 24 71 130 108 62 17 1 78 44
Figure 392: J7. Where are you planning to go for your next holiday? At home 29 100 29 48 42 31 17 14 13 0 30 27 Elsewhere in the country 45 0 53 45 38 44 45 50 22 0 46 54 International destination 26 0 18 6 20 24 38 36 65 100 23 20 Base : Unwtd 880 2 17 66 124 221 144 72 23 1 128 82
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 106
Russia: Property Figure 393: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Yes 92 92 89 85 93 94 95 91 91 100 94 88 No 8 8 11 15 7 6 5 9 9 0 6 12 Base : Unwtd 1412 12 64 137 243 310 185 91 23 2 185 160
Figure 394: K2. If you do not own your own property, on what terms do you occupy the property? Rented 64 0 57 70 72 47 90 88 100 0 45 58 Mortgaged 7 0 0 10 0 5 0 0 0 0 27 11 Borrowed 6 0 14 0 6 11 10 13 0 0 0 5 Base : Unwtd 115 1 7 20 18 19 10 8 2 0 11 19
Figure 395: K3. What is the market value of the property? Under RUB 500’000 0 9 5 0 0 0 0 0 0 0 0 0 RUB 500’001 – 1’000’000 3 9 7 9 3 3 1 0 0 0 1 3 RUB 1’000’001 – 2’000’000 13 27 39 34 22 11 1 1 5 0 6 6 RUB 2’000’001 – 3’000’000 18 36 18 20 28 28 10 1 5 50 14 9 RUB 3’000’001 – 5’000’000 12 0 9 2 12 17 20 17 5 0 8 5 RUB 5’000’001 – 7’000’000 9 9 0 3 2 11 24 20 0 0 5 6 More than RUB 7’000’000 5 0 0 2 2 5 13 11 38 50 2 2 Mean 3392038 2175000 1875000 2094512 2598684 3452055 4970588 5357143 5818182 4750000 3315574 3337209 Base : Unwtd 1297 11 57 117 225 291 175 83 21 2 174 141
Figure 396: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 50 0 80 69 56 47 57 31 36 100 42 40 First-time home 18 0 0 15 22 29 7 15 0 0 17 40 Investment 5 0 0 0 0 0 7 8 9 0 17 10 Change of location 6 0 0 8 0 0 7 15 27 0 0 0 Holiday property 18 0 0 8 17 24 21 31 18 0 25 10 Base : Unwtd 114 0 5 13 18 17 14 13 11 1 12 10
Figure 397: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 67 58 59 67 67 76 71 71 70 50 66 48 About the same 16 17 3 12 14 15 23 24 17 0 16 17 Decrease 2 0 5 2 1 1 1 0 0 0 3 3 Base : Unwtd 1412 12 64 137 243 310 185 91 23 2 185 160
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 107
Figure 398: K5. Do you or your household intend to purchase a property in the next 2 years?
8 9 7 5 8 14
48 50
100 92 91 93 95 92 86
52 50
0%
20%
40%
60%
80%
100%
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 399: K4 & K7 – Property Financing: ALL CASH
2718
711 8 5 7 10
50
0
20 23 2218
0
15
27
00
10
20
30
40
50
60
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 400: K4 & K7 – Property Financing: CASH + CREDIT
9 12 7 6 5 5 6 5 00
4054
22
53
71 6955
100
0
20
40
60
80
100
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 401: K4 & K7 – Property Financing: ALL CREDIT
9
0 2 2 1 1 1 0 00
20
8
44
1814
80 0
0
10
20
30
40
50
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLES
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 108
Russia: Education Figure 402: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Public 85 20 86 74 84 85 86 98 94 0 90 78 Private 3 0 0 2 1 5 4 2 0 0 3 6 None of these 13 80 14 24 15 12 12 2 6 0 9 22 Base : Unwtd 600 5 14 46 89 138 94 57 16 0 87 54
Figure 403: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 57 0 50 50 40 55 55 72 56 0 76 63 No 43 100 50 50 60 45 45 28 44 0 24 37 Base : Unwtd 600 5 14 46 89 138 94 57 16 0 87 54
Figure 404: L4. Do you yourself currently participate in any adult continuing education? Yes 7 8 2 3 4 5 7 17 26 0 6 13 No 93 92 98 97 96 95 93 83 74 100 95 87 Base : Unwtd 1481 12 65 148 250 323 197 96 23 2 200 165
Figure 405: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 12 17 6 7 10 13 20 22 22 0 8 6 About the same 84 83 78 86 87 85 79 76 74 100 89 86 Less 4 0 15 6 3 2 1 2 4 0 4 8 Base : Unwtd 1481 12 65 148 250 323 197 96 23 2 200 165
Figure 406: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
17
6 710
13
2022 22
00
15
63 2 1 2
4
00
5
10
15
20
25
Less Than 5000RUBLES
5001-10000RUBLES
10001-20000RUBLES
20001-30000RUBLES
30001-50000RUBLES
50001-70000RUBLES
70001-100000RUBLES
100001-200000RUBLES
Above 200000RUBLESSp
endi
ng on
educ
atio
n &
train
ing
in th
e ne
xt 12
mon
ths (
% o
f hou
seho
lds)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 109
Russia: Healthcare Figure 407: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Less Than 5000 RUB
5001-10000
RUB
10001-20000
RUB
20001-30000
RUB
30001-50000
RUB
50001-70000
RUB
70001-100000
RUB
100001-200000
RUB
Above 200000
RUB
Would prefer not to
answer
D.K
Yes 95 82 92 98 98 98 95 95 100 100 92 84 No 5 18 8 2 2 2 5 5 0 0 8 16 Base : Unwtd 1389 11 62 141 240 300 188 86 23 2 184 152 Figure 408: M2. What services, if any, could you get free from the state? Hospital 88 56 91 91 85 86 92 91 78 100 85 90 Emergency Room 93 67 84 88 92 92 97 98 91 100 95 97 Prescriptions 78 44 60 78 77 76 85 88 91 100 74 80 Vaccinations 62 33 51 53 52 54 79 85 78 0 62 76 Diagnostic Tests 66 44 54 57 55 60 83 84 87 50 74 67 Base : Unwtd 1317 9 57 138 236 293 179 82 23 2 170 128
Figure 409: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 36 18 48 48 45 30 26 36 26 0 41 29 No 64 82 52 52 55 70 74 64 74 100 59 71 Base : Unwtd 1389 11 62 141 240 300 188 86 23 2 184 152
Figure 410: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 16 18 31 19 18 11 7 17 4 0 26 18 Same 79 73 65 75 77 86 91 81 96 100 66 74 Less 5 9 5 6 5 3 2 1 0 0 9 9 Base : Unwtd 1389 11 62 141 240 300 188 86 23 2 184 152
Figure 411: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 63 73 82 71 68 66 49 50 30 50 68 62
1-10% extra 27 18 18 23 23 25 37 37 48 0 26 26
11-20% extra 8 9 0 5 10 7 10 12 17 50 4 9
21-30% extra 1 0 0 1 0 2 2 1 0 0 2 3
more than 30% extra 0 0 0 1 0 1 1 0 4 0 0 0 Base : Unwtd 1389 11 62 141 240 300 188 86 23 2 184 152
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 110
Saudi Contrasting fortunes The Saudi Arabian consumer remains one of the most optimistic, with a net of 33% of respondents expecting to see improvements in the state of their personal finances. However, this optimism has slipped slightly from last year. More significantly, we have seen a reversal of what had been a rather broadly based level of optimism in 2011 to a more obvious contrast between expectations for the rich and poor. Optimism is among the highest in the survey, touching on 56% of respondents expecting a financial improvement for the richest before falling away to less than half of that and at worst negative among the poorest.
This notwithstanding, the picture among low/middle incomes is still far superior to a number of other countries in the survey, such as Russia and South Africa. Incomes are expected to grow across the board and toward the high end of the experience elsewhere, though the pattern is of the rich becoming even richer given that incomes are expected to grow fastest where they are highest.
High growth in highly penetrated markets could suggest rapid replacement cycles. Against this backdrop, computers, smartphones, fashion apparel and perfumes stand out. In contrast, low ticket and essential spending such as food and dairy remain low. The implied saturation of the mobile market leaves this displaying limited growth and also offers little aspirational value. One oddity in the survey is the decline in the momentum of property spending. The surprise comes despite the enhanced access to credit as part of the 2011 reforms.
In our view, there remains a huge structural opportunity in the financial industry as the pool of savings deepens further and if it can be tapped effectively. The implied savings rate stands at around 30% of growing incomes, only a whisker away from the trend rate of savings in China. The focus remains predominately on savings held in bank accounts (the bulk of which offer zero returns on deposits) or in cash itself. The numbers recording gold as a means of savings has increased by 5% from last year. More attractive investment products have a target market in Saudi Arabia.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 111
Saudi: Spending sentiment Figure 412: Country product purchasing in 2012 vs survey average
Carbonated drinks Dairy
Cosmetics
Fashion apparel
Sports shoes
Watches
Perfume ComputersMobile phones
Smartphone Internet access
HolidaysProperty
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in S
audi
Arab
ia, 20
12
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in Saudi
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey
Figure 413: Country product purchasing in 2012 vs change over 2011
Carbonated drinks DairyCosmetics
Fashion apparelSports shoes
WatchesPerfume
Computers
Mobilephones
Smartphone
Internet accessHolidays
Property
Extra education
Cars
-10
-5
0
5
10
15
20
25
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 112
Saudi: Demographics Figure 414: A6. Could you please tell me your age? Figure 415: N2. What is your total after tax monthly
income?
38
46
14
20
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
6
20 19
129
11
3 4 3
0
5
10
15
20
25
Less
Tha
n50
00 S
AR
5000
SA
R -
7499
SA
R
7500
SA
R -
9999
SA
R
1000
0 SA
R -
1249
9 SA
R
1250
0 SA
R -
1499
9 SA
R
1500
0 SA
R -
1749
9 SA
R
1750
0 SA
R -
1999
9 SA
R
2000
0 SA
R -
2499
9 SA
R
Abov
e 25
000
SAR
% o
f res
pond
ents
Note: Sample size: 1500 respondents across 6 geographical regions
Figure 416: Urban / Rural split Figure 417: Male / Female split
11
89
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
51 49
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 418: A9. How many people live in your household? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
1 1 5 1 1 0 1 1 0 0 0 0 1 2 5 10 7 4 6 3 4 9 8 0 4 4 3 9 13 11 10 10 9 8 11 6 0 4 5 4 17 19 19 19 17 15 12 14 21 16 32 16 5 or more 67 53 63 66 66 71 75 66 65 84 61 74
Mean 4.45 4.06 4.35 4.45 4.43 4.52 4.56 4.36 4.42 4.84 4.5 4.57
Figure 419: A12. How many children does your household have? 1 19 24 22 18 25 18 16 23 19 16 8 15 2 33 35 31 34 27 34 36 39 30 42 32 38 3 28 27 26 29 26 27 27 23 33 24 32 32 4 13 10 15 12 12 15 15 6 12 11 24 10 5 or more 7 3 6 7 9 6 7 10 7 8 4 6
Mean 2.54 2.32 2.52 2.58 2.52 2.57 2.59 2.42 2.58 2.53 2.84 2.54
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 113
Figure 420: A15. In your opinion is now a good time to make a major purchase?
8 13 21 11 22 26 3211 9
2440
4549 38 40 39
44 56
5343 32 37 37 33 30
42 3614
0%
20%
40%
60%
80%
100%
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 421: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-35
7
3220 20
3241
10
29
-50
-30
-10
10
30
50
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
Figure 422: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
24 24 34 24 37 41 39 3156
65 74 64 75 62 59 59 6944
10
0%
20%
40%
60%
80%
100%
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
Better About the same Worse
Figure 423: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
1422
3223
3640 37
31
56
0
10
20
30
40
50
60
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 114
Saudi: Income and Other Figure 424: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Bank account 60 33 41 65 64 69 80 77 66 93 71 56 Life insurance 5 1 3 4 4 6 4 5 8 16 0 6 Stock market 4 5 3 5 1 3 4 5 13 13 4 5 Cash 33 16 30 39 31 42 44 48 31 31 39 18 Mutual Fund 5 2 2 3 3 8 6 7 10 24 7 10 Treasury bond 1 0 1 1 1 1 0 0 3 0 0 5 Property 15 10 5 12 11 16 16 25 40 40 14 23 Gold / Jewellery 15 8 9 13 10 18 14 20 19 40 25 22 No extra saving 32 59 49 28 30 21 15 9 24 4 11 43 Base : Unwtd 1500 86 297 282 185 140 160 44 62 45 28 171 Figure 425: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 0 0 0 0 0 1 0 0 0 0 0 0 -10% to -20% 1 1 1 0 2 0 1 0 0 2 0 1 -10% to flat 2 1 1 3 1 4 3 2 2 7 0 1 Unchanged 60 70 71 63 65 53 46 45 44 24 57 62 Flat to +10% 20 17 16 23 12 22 29 39 18 16 21 15 +10 to +20% 14 8 8 9 18 16 16 14 29 33 14 17 +20 to +30% 3 1 1 1 1 3 5 0 8 13 7 3 30%+ 1 1 0 0 1 1 0 0 0 4 0 1 Base : Unwtd 1500 86 297 282 185 140 160 44 62 45 28 171 Figure 426: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 0 2 0 0 0 1 0 0 3 0 0 1 -10% to -20% 1 5 1 1 0 1 2 5 0 7 0 0 -10% to flat 3 1 4 3 3 4 3 5 2 2 0 0 Unchanged 38 50 48 41 39 34 33 27 29 9 36 31 Flat to +10% 21 21 28 20 24 26 16 14 21 7 29 16 +10 to +20% 25 16 14 27 22 21 36 39 27 31 21 33 +20 to +30% 9 5 4 7 9 11 10 9 16 31 7 15 30%+ 2 0 1 0 3 1 1 2 2 13 7 4 Base : Unwtd 1500 86 297 282 185 140 160 44 62 45 28 171 Figure 427: N5. What proportion of your spending is done via credit cards? 0-5% 1 0 1 1 4 1 1 0 0 0 0 1 6-10% 4 8 3 2 4 4 3 2 6 0 14 1 11-15% 2 1 1 2 2 4 5 2 3 0 7 1 16-20% 4 2 3 5 4 8 2 7 2 7 0 4 21-25% 8 5 4 8 10 8 14 11 16 11 7 2 More than 25% 9 10 4 6 7 10 13 9 24 24 7 13 No credit card 63 69 76 68 59 56 54 64 40 53 61 54 Mean % exp 21 20 19 21 19 20 22 22 24 26 16 24 Base : Unwtd 1500 86 297 282 185 140 160 44 62 45 28 171
Figure 428: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 33 52 23 35 25 42 23 44 65 72 18 19 Staying the same 64 48 74 59 72 56 74 56 35 29 82 80 Decreasing 3 0 3 5 3 2 3 0 0 0 0 1 Base : Unwtd 562 27 70 91 76 61 73 16 37 21 11 79
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 115
Saudi: Automobiles Figure 429: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Yes 96 84 95 98 95 99 99 100 100 98 100 97 No 4 16 5 2 5 1 1 0 0 3 0 3
Figure 430: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 7 5 8 9 8 2 6 5 6 3 4 6 No 93 95 92 91 92 98 94 95 94 98 96 94
Figure 431: B3. How many cars do you own in your household? 1 58 79 71 65 67 47 41 34 37 23 76 55 2 27 14 22 24 25 36 34 39 39 31 16 32 3 or more 14 8 8 12 8 17 25 27 24 46 8 14
Figure 432: B5. How long ago did you purchase this car? 1 year or less 8 18 18 19 21 23 24 27 43 38 16 19 2 to 4 years 55 48 56 59 55 59 53 63 43 51 76 48 5 to 7 years 17 23 19 16 19 12 18 10 9 0 4 23 8 to 10 years 4 2 5 3 3 3 4 0 6 10 0 7 More than 10 years ago
2 9 1 3 1 4 1 0 0 0 4 3
Base : Unwtd 1360 66 268 268 165 133 146 41 54 39 25 155
Figure 433: B7. How did you finance it? All Cash 43 45 35 45 41 47 46 39 37 72 20 44 Cash + Credit 44 35 47 47 50 44 47 54 52 23 68 28 All Credit 7 15 13 4 5 3 3 7 6 5 8 3 Don’t Know 6 5 4 4 3 5 4 0 6 0 4 25 Base : Unwtd 1360 66 268 268 165 133 146 41 54 39 25 155
Figure 434: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
8 7 7 7 7 7 711
20
1117 17
2015 17
129
25
3428
35
21
4134
51
24 23
1521 19
1619
7
1522
10
2419
1421
14
26
12
2218
0
10
20
30
40
50
60
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 116
Figure 435: B4. What brand is the car your household last purchased? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Toyota 33 29 41 36 35 28 26 41 31 18 36 28 Ford 13 8 8 15 13 16 13 10 7 10 24 17 Hyundai 9 12 7 8 12 5 7 4 5 8 8 9 GM 8 3 9 9 5 13 14 5 7 3 4 5 Honda 8 12 7 5 14 9 8 7 11 5 8 7 Nissan 5 6 5 6 4 5 5 2 4 3 0 6 Other 6 9 4 6 5 3 9 7 7 26 0 8 Base : Unwtd 1360 66 268 268 165 133 146 41 54 39 25 155
Figure 436: B16. How do you plan to finance the upcoming car purchase? All Cash 39 47 36 28 34 55 47 38 55 61 0 39 Cash + Credit 45 13 45 52 57 41 42 38 36 33 100 32 All Credit 13 33 18 15 9 3 8 25 0 6 0 14 Don’t Know 3 7 1 5 0 0 3 0 9 0 0 14 Base : Unwtd 328 15 67 65 47 29 36 8 11 18 4 28
Figure 437: B17. How much do you plan to spend on the car you or your household is planning to purchase ? Up to 40000 SAR 3 7 4 6 2 0 0 0 0 0 0 0
40001 - 50000 SAR 7 13 15 9 6 0 3 0 0 6 0 4
50001 - 60000 SAR 6 7 9 6 6 7 3 13 9 6 0 4
60001 - 70000 SAR 10 7 10 12 9 17 8 13 0 6 50 7
70001 - 80000 SAR 10 0 9 14 11 10 17 13 0 0 0 7
80001 - 90000 SAR 15 13 16 15 13 14 17 38 18 6 50 4
90001 - 100000 SAR 9 0 7 8 15 10 14 0 0 11 0 4 More than 100000 SAR
28 27 16 18 32 38 33 25 55 67 0 21
Base : Unwtd 328 15 67 65 47 29 36 8 11 18 4 28
Figure 438: B15. Which car brand are you most likely purchase? Local 8 7 7 8 6 10 7 0 0 11 0 13 Foreign 88 74 85 91 86 84 85 103 90 68 100 74 Toyota 29 20 34 39 32 24 12 13 36 28 0 27 Ford 13 13 7 11 11 24 7 0 18 22 25 13 Hyundai 10 7 13 7 6 10 17 25 0 0 0 7 Base : Unwtd 328 15 67 65 47 29 36 8 11 18 4 28
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 117
Saudi: Food & Beverage Figure 439: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Drinks: Yes 97 94 97 98 97 99 97 98 96 93 85 99
Drinks: No 3 6 3 2 3 1 3 2 4 7 15 1
Drinks: Base 1433 80 283 277 178 137 153 43 57 44 26 155
Bottled Water: Yes 100 100 99 100 100 100 100 100 100 100 100 100
Bottled Water: No 0 0 1 0 0 0 0 0 0 0 0 0
Bottled Water:Base 1433 80 283 277 178 137 153 43 57 44 26 155
Dairy: Yes 99 100 99 100 99 98 100 98 98 100 100 99
Dairy: No 1 0 1 0 1 2 0 2 2 0 0 1
Dairy: Base 1433 80 283 277 178 137 153 43 57 44 26 155
Figure 440: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 96 93 96 97 96 95 97 96 95 96 95 95 Pepsi Cola 29 28 32 30 31 30 27 28 24 26 26 26 7-Up 23 24 24 22 26 24 23 18 21 20 22 25 Drinks - Local 4 7 3 3 4 5 3 4 5 4 5 5 P-Cola 2 3 2 1 2 2 2 2 2 2 3 2 Drinks - Base 1390 75 275 272 172 135 148 42 55 41 22 153 Water - Foreign 29 34 25 29 33 30 29 31 36 25 30 27 Nestle 14 12 12 13 13 15 15 14 19 13 16 14 Aquafina 11 15 11 13 15 11 9 12 10 5 8 10 Water - Local 68 63 72 69 63 69 68 67 61 71 61 72 Description 14 8 14 14 15 14 17 14 11 16 10 13 Hana 12 8 14 14 15 14 17 14 11 16 10 13 Manhal 9 9 12 10 7 9 7 13 6 5 5 4 Water - Base 1431 80 281 277 178 137 153 43 57 44 26 155 Dairy - Foreign 30 29 29 28 31 34 33 26 27 36 28 30 Dairy - Local 70 71 71 72 69 66 67 74 73 63 72 70 Pasture 19 17 21 20 20 20 18 24 23 21 20 14 Net 10 12 12 11 8 8 8 13 10 10 12 9 Kerry 9 9 11 11 9 9 8 9 10 7 9 9 Dairy - Base 1423 80 281 276 177 134 153 42 56 44 26 154
Figure 441: C3. Do you expect to spend more on any of these products in the next 12 months? Drinks: Yes 40 49 41 36 42 43 38 33 42 50 31 38 Drinks: No 60 51 59 64 58 57 62 67 58 50 69 62
Drinks: Base 1433 80 283 277 178 137 153 43 57 44 26 155
Water: Yes 42 51 42 38 43 43 41 28 37 52 27 44
Water: No 58 49 58 62 57 57 59 72 63 48 73 56
Water: Base 1433 80 283 277 178 137 153 43 57 44 26 155
Dairy: Yes 49 56 51 43 49 53 48 35 49 55 42 50
Dairy: No 51 44 49 57 51 47 52 65 51 45 58 50
Dairy: Base 1433 80 283 277 178 137 153 43 57 44 26 155
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 118
Figure 442: C4. What % of your diet is made up of meat? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
0% 0 0 0 0 1 0 2 0 0 0 0 0 0-5% 10 15 9 11 13 9 10 12 5 2 12 6 6-15% 33 35 36 37 31 34 32 53 26 20 35 26 16-25% 33 33 30 32 33 39 31 19 35 43 42 35 More than 25% 19 13 21 16 20 15 23 12 30 34 8 22
Figure 443: C5. How do you think your meat consumption is likely to change over the next 12 months?
24 28 34 2438 32 30
2032
65 68 6471
5667 65
7264
6
0%
20%
40%
60%
80%
100%
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
Plan
ned
spen
d on
mea
t in
12
mon
ths (
% o
f pop
. like
ly to
ch
ange
inta
ke)
More The same Less
Source: Credit Suisse Emerging Consumer Survey Note: ‘No responses’ account for the remainder of population in % stacked columns
Figure 444: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
13
24
31
20
32 3126
11
27
05
101520253035
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 119
Saudi: Home & Personal Care Figure 445: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Tissues: Yes 98 98 98 97 98 96 98 95 98 98 100 97 Tissues: No 2 2 2 3 2 4 2 5 2 2 0 3 Tissues: Base 1473 86 291 279 184 137 159 44 62 45 28 158
Fem Hygiene: Yes 96 98 97 95 98 95 99 100 91 89 100 97 Fem Hygiene: No 4 2 3 5 2 5 1 0 9 11 0 3 Fem Hygiene: Base 712 51 146 117 83 43 79 7 35 18 10 123 Cosmetics: Yes 85 90 85 83 89 77 88 70 87 89 79 90 Cosmetics: No 15 10 15 17 11 23 12 30 13 11 21 10 Cosmetics: Base 1473 86 291 279 184 137 159 44 62 45 28 158
Figure 446: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 78 71 78 78 79 78 79 87 70 81 80 80 Kleenex 55 50 54 57 55 59 53 62 51 47 48 62 Tissues - Local 21 28 22 21 21 22 21 13 27 19 18 19 Tissues - Base 1438 84 286 272 180 132 156 42 61 44 28 153 Fem Hygiene - Foreign
85 85 85 82 86 81 85 75 97 81 82 85
Always 68 63 70 70 70 70 73 50 78 57 73 63 Kotex 11 14 8 10 11 9 10 0 11 14 0 14 Fem Hygiene - Local 15 14 15 16 14 17 15 25 3 19 18 14 Fem Hygiene - Base 687 50 142 111 81 41 78 7 32 16 10 119 Cosmetics - Foreign 94 95 95 93 93 95 95 99 93 96 94 93 Lux 20 22 25 22 21 20 18 24 14 12 22 18 Dove 22 25 22 23 20 25 22 22 18 21 22 21 Cosmetics - Local 5 4 5 7 6 5 5 1 6 4 6 6 Cosmetics - Base 1253 77 248 231 163 105 140 31 54 40 22 142 Figure 447: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 37 48 39 30 39 39 31 30 42 53 43 37 Tissues: Base 63 52 61 70 61 61 69 70 58 47 57 63 Fem Hygiene: Yes 26 41 27 21 23 23 19 29 23 28 10 33 Fem Hygiene: Base 74 59 73 79 77 77 81 71 77 72 90 67 Cosmetics: Yes 39 48 41 32 43 39 31 20 44 49 39 48 Cosmetics: Base 61 52 59 68 57 61 69 80 56 51 61 52
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 120
Saudi: Luxury Goods Figure 448: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Fashion: Yes 95 94 95 94 92 95 96 100 98 100 90 95 Fashion: No 5 6 5 6 8 5 4 0 2 0 10 5 Fashion: Base 1256 79 243 240 157 115 136 39 48 36 21 142
Leather: Yes 76 71 77 76 71 66 85 77 75 78 52 86 Leather: No 24 29 23 24 29 34 15 23 25 22 48 14 Leather: Base 1256 79 243 240 157 115 136 39 48 36 21 142 Sportswear: Yes 52 43 41 50 48 57 62 74 65 64 43 58 Sportswear: No 48 57 59 50 52 43 38 26 35 36 57 42 Sportswear: Base 1256 79 243 240 157 115 136 39 48 36 21 142 Watches: Yes 40 39 34 28 45 37 43 23 58 58 43 58 Watches: No 60 61 66 72 55 63 57 77 42 42 57 42 Watches: Base 1256 79 243 240 157 115 136 39 48 36 21 142 Jewellery: Yes 19 22 18 10 13 13 17 10 31 36 24 37 Jewellery: No 81 78 82 90 87 87 83 90 69 64 76 63 Jewellery: Base 1256 79 243 240 157 115 136 39 48 36 21 142 Perfumes: Yes 92 89 92 89 96 94 92 87 100 97 86 92 Perfumes: No 8 11 8 11 4 6 8 13 0 3 14 8 Perfumes: Base 1256 79 243 240 157 115 136 39 48 36 21 142
Figure 449: F3. If so, what brand was this / brands were these? Fashion - Foreign 79 72 69 75 85 82 85 80 83 77 93 79 Zara 10 13 9 9 11 9 7 3 12 10 7 14 H&M 6 6 5 5 7 6 6 0 11 7 7 7 Fashion - Local 21 27 31 24 14 18 15 19 16 20 7 19 Fashion - Base 1192 74 232 225 145 109 131 39 47 36 19 135 Leather - Foreign 65 46 53 62 77 72 75 81 75 80 81 52 Dior 9 3 9 7 9 8 11 8 9 12 6 9 Armani 8 7 6 9 9 12 8 22 0 16 13 2 Leather - Local 31 46 45 34 19 24 23 14 25 14 19 40 Leather - Base 953 56 186 182 111 76 115 30 36 28 11 122 Sportswear - Foreign
84 62 76 86 91 92 91 89 88 83 100 73
Adidas 33 23 37 38 34 37 34 51 26 28 43 21 Sportswear - Local 12 26 18 12 6 6 6 9 10 14 0 21 Sportswear - Base 651 34 99 120 75 65 84 29 31 23 9 82 Watches - Foreign 80 90 78 79 88 80 76 78 76 81 87 75 Swatch 26 33 25 28 23 22 21 56 18 22 20 32 Watches - Local 17 10 19 15 10 16 23 22 21 15 7 23 Watches - Base 502 31 83 67 71 42 59 9 28 21 9 82 Jewellery - Foreign 45 33 50 52 52 42 58 100 53 38 40 34 Cartier 8 22 6 19 5 5 8 0 11 6 0 4 Jewellery - Local 50 44 42 48 43 58 42 0 42 44 60 63 Unbranded 16 22 17 26 14 21 21 0 26 0 40 10 Jewellery - Base 233 17 44 25 20 15 23 4 15 13 5 52 Perfumes - Foreign 75 71 69 72 82 82 83 87 77 80 92 62 Chanel 18 15 17 19 26 18 17 17 17 18 12 15 Givenchy 16 13 18 14 18 14 18 9 8 20 4 18 Perfumes - Local 23 28 29 25 16 17 16 13 23 17 8 35 Perfumes - Base 1155 70 224 213 150 108 125 34 48 35 18 130
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 121
Figure 450: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Fashion: Up to 5000 SAR
96 96 97 97 97 98 95 100 94 86 100 95
Fashion: 5000 – 10000 SAR
2 4 2 2 2 2 4 0 2 6 0 1
Fashion: 10001 – 15000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Fashion: 15001 – 20000 SAR
0 0 0 0 0 0 0 0 0 3 0 0
Fashion: Mean Exp SAR
5064 5101 5044 5045 5052 5046 5096 5000 5056 5515 5000 5019
Leather: Up to 5000 SAR
95 95 97 98 97 93 97 97 94 89 100 89
Leather: 5000 – 10000 SAR
0 0 0 0 2 0 0 0 0 4 0 1
Leather: 10000 – 15000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Leather: 15000 – 20000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Leather: 20000 – 25000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Leather: 25000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Leather: Mean Exp SAR
5011 5000 5000 5000 5046 5000 5000 5000 5000 5096 5000 5023
Sportswear: Up to 5000 SAR
96 97 96 95 100 97 95 93 97 96 100 91
Sportswear: 5000 – 10000 SAR
1 0 1 2 0 0 1 0 0 0 0 1
Sportswear: 10000 – 15000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Sportswear: More than 15000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Sportswear: Mean Exp SAR
5020 5000 5026 5043 5000 5000 5031 5000 5000 5000 5000 5033
Watches: Up to 5000 SAR
93 94 93 94 99 90 95 100 93 81 78 89
Watches: 5000 – 10000 SAR
4 6 4 1 0 2 2 0 7 14 22 4
Watches: More than 10000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Watches: Mean Exp SAR
5093 5161 5094 5039 5000 5064 5044 5000 5179 5375 5556 5099
Jewellery: Up to 5000 SAR
81 82 80 80 70 73 87 100 87 62 60 90
Jewellery: 5000 – 10000 SAR
12 6 16 12 20 20 4 0 13 31 20 4
Jewellery: More than 10000 SAR
0 0 0 0 0 0 0 0 0 0 0 2
Jewellery: Mean Exp SAR
5378 5167 5417 5326 5556 5536 5119 5000 5333 5833 5625 5350
Perfumes: Up to 5000 SAR
98 100 100 99 99 97 99 100 98 91 100 95
Perfumes: 5000 – 10000 SAR
0 0 0 0 0 2 1 0 0 3 0 1
Perfumes: More than 10000 SAR
0 0 0 0 0 0 0 0 0 0 0 0
Perfumes: Mean Exp SAR
5011 5000 5000 5000 5000 5047 5020 5000 5000 5076 5000 5020
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 122
Figure 451: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 452: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
82 85 86 87 88 90 87 88100
0
20
40
60
80
100Le
ss T
han
5000
SAR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
4752
4146
4047
31
6961
0
20
40
60
80
Less
Tha
n50
00 S
AR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 453: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 454: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
19 1915
1816
1821
17
39
0
10
20
30
40
Less
Tha
n50
00 S
AR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
10 10
5
8 8
13
5
19
11
0
5
10
15
20
Less
Tha
n50
00 S
AR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 455: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 456: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
72 7567
7681
6459
75
92
0
20
40
60
80
100
Less
Tha
n50
00 S
AR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
28 28 2831
24
34 36
44 42
0
10
20
30
40
50
Less
Tha
n50
00 S
AR
5000
SAR
-74
99 S
AR
7500
SAR
-99
99 S
AR
1000
0 SAR
-12
499 S
AR
1250
0 SAR
-14
999 S
AR
1500
0 SAR
-17
499 S
AR
1750
0 SAR
-19
999 S
AR
2000
0 SAR
-24
999 S
AR
Abov
e 250
00SA
R
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 123
Saudi: Technology and Internet Figure 457: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
5000 6250 8750 11250 13750 16250 18750 More than 20000
Income (SAR)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 458: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Blu-Ray Player 1 3 1 1 2 1 1 0 0 0 7 1 Camcorder 3 5 4 3 5 3 3 2 7 0 0 3 Desktop computer 0 1 0 1 1 1 0 0 0 0 0 1 Digital Camera 3 0 4 3 1 4 3 5 2 5 7 3 DVD Player 1 0 1 1 0 0 1 0 2 0 4 1 E-Reader 1 0 1 1 1 0 1 0 0 3 0 0 Gaming facility 0 0 0 0 1 1 0 0 0 0 4 0 GPS/Navigation 1 0 1 1 2 0 0 0 2 0 0 0 Internet Service 1 1 0 1 0 1 1 0 0 0 7 1 Mobile Phone 4 3 6 5 5 6 1 5 0 0 11 0 Smartphone 31 28 34 29 29 36 24 44 36 45 36 29 MP3 0 0 0 1 0 1 1 0 2 0 0 0 Netbook 2 4 1 2 1 3 2 5 2 3 0 1 Notebook PC 18 19 19 18 21 23 14 16 20 23 32 11 Stereo HiFi 1 0 1 1 0 1 0 0 0 3 0 1 Traditional TV 0 0 0 1 0 0 0 0 0 0 0 0 LCD TV 19 14 18 22 15 21 22 23 18 18 18 16 Flat screen TV 7 6 5 6 5 6 8 5 5 10 11 11 Tablet 33 38 33 31 34 27 36 26 36 28 21 40 None of these 5 8 2 4 7 12 6 9 9 0 7 4
Figure 459: G5. Which brand of PC are you most likely to purchase? Acer 2 0 1 3 2 1 3 0 3 5 13 4 Apple 7 13 7 5 7 8 8 10 6 10 0 2 DELL 8 8 8 11 11 8 3 15 6 0 13 2 HP 5 4 4 6 2 8 4 10 6 0 13 5 Samsung 3 2 3 4 2 5 0 0 0 14 7 4 Sony 2 2 2 1 2 3 3 0 0 0 0 0 Toshiba 10 4 11 8 13 13 11 5 13 14 13 7 Others 0 0 1 1 0 0 0 0 0 0 0 0 Don’t Know. 1 4 1 1 0 3 0 5 3 5 0 0 Base : Unwtd 763 48 151 141 98 75 79 20 32 21 15 83
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 124
Figure 460: l6. What services have you used in the last 6 months?
51 55 56
17 2233
9 1219
9 9 13
85 90 94
63 6676
0 0 00
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 461: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Yes 86 63 80 89 90 92 94 91 97 93 93 82 No 14 37 20 11 10 8 6 9 3 7 7 18
Figure 462: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 86 85 83 87 84 90 88 93 87 79 96 86 No 12 9 15 11 15 8 10 8 12 18 4 11 Don’t know 2 6 2 2 1 2 1 0 2 3 0 3
Figure 463: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 9 7 9 7 6 8 9 10 13 16 15 10 The same 82 87 79 84 83 84 86 80 77 68 81 81 Less 9 6 12 9 12 8 5 10 10 16 4 9 Base : Unwtd 1264 54 236 245 160 125 147 40 60 38 26 133
Figure 464: I3. Which is your Internet Service provider? STC 77 67 78 76 79 74 80 78 77 74 69 77
Mobily 19 30 17 18 18 18 16 15 22 21 15 21
Zain KSA 3 2 3 3 2 5 2 8 0 3 4 2
GO 1 0 2 2 1 2 1 0 0 3 8 0 Base : Unwtd 1264 54 236 245 160 125 147 40 60 38 26 133
Figure 465: I4. What is your most frequently used search engine? Google 92 93 92 91 94 94 84 100 95 97 81 92 MSN 1 2 1 1 2 0 1 0 0 3 8 0 Yahoo 4 2 3 4 3 2 10 0 5 0 8 3 Others 1 0 0 2 0 2 1 0 0 0 0 1 Base : Unwtd 1264 54 236 245 160 125 147 40 60 38 26 133
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 125
Saudi: Telecommunications Figure 466: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Yes, I pay for it 89 89 90 89 90 87 86 87 86 93 93 91 Yes, employer pays 1 4 0 1 1 2 1 0 2 3 0 3 Yes, somebody else pays
9 7 10 9 9 11 12 13 12 5 7 6
No, I do not 0 0 0 0 0 0 0 0 0 0 0 0 Base : Unwtd 1410 81 280 274 175 134 146 39 59 40 28 154
Figure 467: H3. What brand is your current mobile handset? Nokia 27 33 31 36 29 22 10 23 7 18 18 27 Blackberry 29 32 29 26 30 26 36 23 29 23 18 31 Samsung 20 14 20 15 20 23 21 10 31 20 21 25 Others 3 6 5 2 5 2 2 3 2 3 7 1 Base : Unwtd 1410 81 280 274 175 134 146 39 59 40 28 154
Figure 468: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 70 87 70 60 70 58 100 80 75 0 100 64 No 30 13 30 40 30 42 0 20 25 100 0 36 Base : Unwtd 158 15 44 35 23 12 5 5 4 1 3 11 Figure 469: H12. Which brand of Smartphone handset will you buy? Samsung 19 25 23 23 16 19 20 19 16 3 20 13 Apple 17 20 13 20 16 21 18 35 34 19 15 8 Blackberry 13 13 13 8 19 11 18 4 3 10 25 18 Samsung 20 14 20 15 20 23 21 10 31 20 21 25 Others 3 11 5 0 6 3 1 4 3 3 0 2 Base : Unwtd 916 56 191 178 105 95 76 26 32 31 20 106
Figure 470: : H8. How much do you spend, on average, on mobile telephone bills per month?
20 11
1212
8 8
1516
17 219 12 8 8
23 2726 18
19 2121 10 10
30 33 45 4660 57 67 69 75
0%
20%
40%
60%
80%
100%
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
50 - 100 SAR 101 – 150 SAR 151 – 200 SAR 201 – 300 SAR More than 301 SAR
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 126
Saudi: Travel Figure 471: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
51 4661 60
69 6657
7077
56 5462 56
69 7364 67
91
0
20
40
60
80
100
Less Than 5000SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 472: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
At home 13 27 21 15 13 9 9 17 5 12 10 8 Elsewhere in the country
65 59 63 71 66 77 69 58 50 32 55 61
International destination
22 15 15 13 21 14 22 25 45 56 35 31
Base : Unwtd 852 41 131 164 107 96 100 24 42 34 20 93
Figure 473: J4. What was the main form of transport that you used to reach you holiday destination? Car 74 67 86 83 68 79 74 65 43 30 50 84 Bus 1 7 0 1 1 0 0 0 0 7 0 0 Train 0 0 0 0 1 0 0 0 3 0 0 0 Aeroplane 0 0 0 0 0 0 0 0 0 0 0 0 Other 25 27 14 17 30 21 26 35 55 60 50 16 No Response 0 0 0 0 0 0 0 0 0 3 0 0 Base : Unwtd 737 30 103 139 93 87 91 20 40 30 18 86
Figure 474: J7. Where are you planning to go for your next holiday? At home 6 7 9 5 4 4 7 7 3 10 0 10 Elsewhere in the country
62 60 68 73 67 66 60 67 48 28 50 48
International destination
32 33 24 22 29 30 32 26 50 63 50 42
Base : Unwtd 901 45 152 167 100 97 111 27 40 40 14 108
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 127
Saudi: Property Figure 475: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Yes 52 41 30 45 53 63 72 68 86 83 44 53 No 48 59 70 55 47 37 28 32 14 17 56 47 Base : Unwtd 1345 80 276 250 164 130 140 41 56 41 25 142
Figure 476: K2. If you do not own your own property, on what terms do you occupy the property? Rented 94 91 95 93 99 88 95 85 88 86 100 97 Mortgaged 5 4 4 7 0 10 5 15 13 0 0 3 Borrowed 1 2 1 1 1 0 0 0 0 14 0 0 Base : Unwtd 651 47 193 138 77 48 39 13 8 7 14 67
Figure 477: K3. What is the market value of the property? Under 200k SAR 3 0 0 2 9 6 4 0 2 9 0 1 200k – 400k SAR 7 18 8 7 11 13 4 7 0 0 18 2 400k – 600k SAR 18 12 7 18 27 17 25 29 29 21 9 4 600k – 800k SAR 9 9 7 6 6 3 12 22 12 30 0 5 800k – 1000000 SAR 8 6 8 15 4 10 9 11 8 0 0 1 More than 1000 000 SAR
21 30 25 25 14 27 23 18 15 15 45 7
Don’t Know 34 24 43 27 29 24 24 14 33 26 27 79 Base : Unwtd 694 33 83 112 87 82 101 28 48 34 11 75
Figure 478: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 26 17 28 15 23 24 29 33 22 53 0 36 First-time home 45 42 62 62 33 38 33 67 11 13 40 44 Investment 15 42 0 11 8 24 29 0 44 20 60 8 Change of location 14 0 8 13 36 14 8 0 22 13 0 8 Base : Unwtd 261 12 50 47 39 21 24 3 9 15 5 36
Figure 479: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 69 71 65 66 65 69 74 73 80 85 72 65 About the same 23 19 25 30 29 26 19 17 16 12 28 13 Decrease 5 6 7 3 5 3 6 2 4 0 0 4 Base : Unwtd 1345 80 276 250 164 130 140 41 56 41 25 142
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 128
Figure 480: K5. Do you or your household intend to purchase a property in the next 2 years?
15 18 19 24 16 17 7 1637
85 82 81 76 84 83 93 8463
0%
20%
40%
60%
80%
100%
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 481: K4 & K7 – Property Financing: ALL CASH
2735
47
33
5057
68
38
68
2514 19 23
29 29
0
22
47
0
20
40
60
80
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 482: K4 & K7 – Property Financing: CASH + CREDIT
4531 36
4429 24 18
3824
58 58 64 6757
50
100
33
53
0
20
40
60
80
100
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 483: K4 & K7 – Property Financing: ALL CREDIT
68
0 14 3
0
6 6
17
24
15
85 4
0
11
00
5
10
15
20
25
30
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 129
Saudi: Education Figure 484: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Public 80 81 80 82 78 81 83 89 58 48 64 87 Private 16 11 11 13 17 19 17 7 39 44 32 11 Base : Unwtd 1005 54 201 214 120 102 103 27 36 27 22 99
Figure 485: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 25 7 18 27 23 34 29 33 28 48 27 23 No 75 93 82 73 77 66 71 67 72 52 73 77 Base : Unwtd 1005 54 201 214 120 102 103 27 36 27 22 99
Figure 486: L4. Do you yourself currently participate in any adult continuing education? Yes 11 16 8 10 11 9 12 14 10 24 9 10 No 89 84 92 90 89 91 88 86 90 76 91 90 Base : Unwtd 1264 75 268 259 151 116 125 36 52 33 23 126
Figure 487: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 15 8 6 19 9 20 34 31 10 27 30 10 About the same 80 87 84 78 87 78 63 69 85 70 70 87 Less 5 5 10 4 4 2 3 0 6 3 0 3 Base : Unwtd 1264 75 268 259 151 116 125 36 52 33 23 126
Figure 488: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
86
19
9
20
3431
10
27
5
10
4 42 3
0
63
0
10
20
30
40
Less Than5000 SAR
5000 SAR -7499 SAR
7500 SAR -9999 SAR
10000 SAR -12499 SAR
12500 SAR -14999 SAR
15000 SAR -17499 SAR
17500 SAR -19999 SAR
20000 SAR -24999 SAR
Above 25000SAR
Spen
ding
on
educ
atio
n &
trai
ning
in
the
next
12
mon
ths
(% o
f ho
useh
olds
)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 130
Saudi: Healthcare Figure 489: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Less than 5000 SAR
5000 - 7499 SAR
7500 - 9999 SAR
10000 - 12499
SAR
12500 - 14999
SAR
15000 - 17499
SAR
17500 - 19999
SAR
20000 - 24999 SAR
Above 25000
SAR
Would prefer not to
answer
D.K
Yes 69 59 67 67 72 76 70 79 63 66 72 66 No 31 41 33 33 28 24 30 21 37 34 28 34 Base : Unwtd 1285 71 263 253 158 123 140 42 49 35 25 126 Figure 490: M2. What services, if any, could you get free from the state? Hospital 98 98 98 99 97 99 99 100 100 100 100 94 Emergency Room 69 60 66 69 67 60 77 76 68 83 56 86 Prescriptions 77 69 77 75 74 69 82 76 87 78 78 86 Vaccinations 80 74 76 79 81 81 81 94 74 78 72 89 Diagnostic tests 78 60 75 81 74 72 85 97 94 78 72 78 Base : Unwtd 882 42 177 170 113 94 98 33 31 23 18 83 Figure 491: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 22 20 18 27 20 20 34 21 16 29 12 15 No 78 80 82 73 80 80 66 79 84 71 88 85 Base : Unwtd 1285 71 263 253 158 123 140 42 49 35 25 126
Figure 492: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 14 7 11 14 10 9 19 17 12 23 8 21 Same 79 76 83 82 83 80 74 76 84 69 76 71 Less 7 17 6 4 7 11 6 7 4 9 16 9 Base : Unwtd 1285 71 263 253 158 123 140 42 49 35 25 126
Figure 493: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 29 30 40 28 36 14 26 19 20 17 28 25
1-10% extra 44 39 37 51 46 56 46 50 27 43 48 33
11-20% extra 18 21 16 13 13 23 14 19 35 26 16 27
21-30% extra 6 4 5 7 4 4 6 10 14 9 0 11
more than 30% extra 4 6 2 2 2 3 8 2 4 6 8 5 Base : Unwtd 1285 71 263 253 158 123 140 42 49 35 25 126
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 131
South Africa Challenges and opportunities South Africa is a new addition to the Credit Suisse Emerging Consumer Survey for 2013. Consumer optimism levels in South Africa fall toward the lower end of the survey spectrum. There is a pronounced degree of disparity in the outlook from the low income groups compared to the mid- and upper-income earners. Higher earners appear optimistic, with the highest expecting over 30% improvement, while low income earners are consistently the most pessimistic in our survey, with the lowest income brackets believing financial prospects will deteriorate by around 10%–15% on average. With the labour unrest that began in summer spreading to other sectors of the economy, and a high degree of unemployment, the scepticism is perhaps unsurprising.
Wage growth expectations are better for the high income groups (around 5% growth expected over the next 12 months) than they are for the low income groups (around 1% growth). However, with 2013 inflation expectations running over 5%, most consumers are set to see real income remaining flat.
Spending at the discretionary end of the spectrum remains challenged. While mobile phones penetrate the market more highly than any other product, absolute saturation remains below the survey average. Smartphones, however, are above average, perhaps suggesting a "maturity" in the more well-established mobile market. Smartphone ownership is, understandably, greatest among the richest households, and has ownership on average 20% higher than that for computers.
Spending patterns reveal that South Africans spend less on traditional staples, on average, than their emerging market counterparts. Relative to autos, mobile phones and "other" (partly constituting high local property taxes), respondents spend less on basics such as food, education and savings.
Bank accounts appear to be the primary channel of savings, with 88% of those surveyed opting for this route. Life insurance is also a popular choice, with 57% using this as method to save. Interestingly, 25% of South Africans also use the stock market as a savings channel, the highest rate seen. Financial investment uptake in the region looks extensive and established.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 132
South Africa: Spending sentiment Figure 494: Country product purchasing in 2012 vs survey average
Carbonated drinks
Beer
Spirits
Dairy
Cosmetics
Fashion apparel
Sports shoes
Watches
Perfume
Computers
Mobilephones
Smartphone
Internet accessHolidays
Property
Extra education
Private healthcare
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in S
outh
Afric
a, 20
12
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in South Africa
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 133
South Africa: Demographics Figure 495: A6. Could you please tell me your age? Figure 496: N2. What is your total after tax monthly
income?
31
42
18
9
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
23
14
8
14
42 2
13
02468
10121416
R1
- R10
00
R10
01 -
R20
00
R20
01 -
R40
00
R40
01 -
R60
00
R60
01 -
R80
00
R80
01 -
R10
000
R10
001
-R
3000
0
R30
001
-R
5000
0
R50
001
-R
1000
00
R10
0001
-R
1300
00
% o
f res
pond
ents
Note: Sample size: 2561 respondents across 10 geographical regions
Figure 497: Urban / Rural split Figure 498: Male / Female split
30
70
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
50 50
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 499: A9. How many people live in your household? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to answer
D.K
1 8 14 19 11 9 6 12 0 0 0 2 8 3 2 15 23 21 24 15 15 11 12 0 29 10 16 10 3 17 14 24 17 21 16 22 21 14 14 19 18 14 4 24 26 14 14 16 29 12 24 43 21 35 26 30 5 or more 36 23 21 34 40 35 43 42 43 36 35 33 43
Mean 3.64 3.2 2.98 3.37 3.63 3.71 3.63 3.97 4.29 3.64 3.9 3.59 4
Figure 500: A12. How many children does your household have? 1 33 20 29 30 27 34 39 43 32 43 30 33 39 2 37 40 42 25 39 35 24 33 55 43 45 41 33 3 18 33 13 22 20 19 24 14 9 14 15 16 16 4 8 0 8 15 9 8 7 10 5 0 6 6 7 5 or more 4 7 8 8 5 3 5 0 0 0 3 3 4
Median 2.14 2.33 2.25 2.47 2.27 2.1 2.15 1.9 1.86 1.71 2.06 2.05 2.06
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 134
Figure 501: A15. In your opinion is now a good time to make a major purchase?
14 12 15 10 20 18 14 15
31 3833
30 36 25 39
29 14 25
31 2630
35 32 3830
39 50 40
23 24 32 20 22 17 1229 21 19
0%
20%
40%
60%
80%
100%
Less than R500 R 500 - R 999 R 1 000 - R2999
R 3 000 - R 4999
R 5 000 - R 9999
R 10 000 - R 14999
R 15 000 - R 19999
R 20 000 - R 24999
R 25 000 - R 29999
R 30 000 ormore
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 502: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-9
0
-23-10 -8 -10
15
-35-43
-19
-60
-40
-20
0
20
Less thanR500
R 500 - R999
R 1000 - R2999
R 3000 - R4999
R 5000 - R9999
R 10000 - R14999
R 15000 - R19999
R 20000 - R24999
R 25000 - R29999
R 30000 or more
% o
f res
pond
ents
Figure 503: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
23 24 19 23 34 38 45 46 57 44
40 43 4956
51 49 45 3229 42
37 33 32 20 15 12 9 21 14 13
0%
20%
40%
60%
80%
100%
Less thanR500
R 500 - R999
R 1000 - R2999
R 3000 - R4999
R 5000 - R9999
R 10000 - R14999
R 15000 - R19999
R 20 000 - R 24999
R 25000 - R29999
R 30000 ormore
% o
f res
pond
ents
Better About the same Worse
Figure 504: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
-14 -9 -13
3
1926
3625
43
31
-20-10
01020304050
Less thanR500
R 500 - R999
R 1000 - R2999
R 3000 - R4999
R 5000 - R9999
R 10000 - R14999
R 15000 - R19999
R 20000 - R24999
R 25000 - R29999
R 30000 ormore
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 135
South Africa: Income and Other Figure 505: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or
more
Would prefer not to answer
D.K
Bank account 88 91 95 90 85 89 88 88 93 86 94 84 93 Life insurance 57 49 57 56 60 59 58 48 50 71 48 54 63 Stock market 25 23 31 25 24 25 17 24 18 29 31 23 28 Cash 13 14 14 12 13 14 9 12 7 0 13 11 18 Mutual Fund 12 17 7 15 15 12 9 18 18 7 23 8 10 Treasury Bond 11 11 7 9 10 12 20 6 21 21 17 10 14 Property 40 40 33 37 41 40 38 27 39 29 54 40 46 No extra money for saving
11 9 5 10 14 11 11 12 7 7 6 15 6
Base : Unwtd 1500 35 42 215 124 206 65 33 28 14 52 483 203
Figure 506: N3. To what extent has your household income changed in the last 12 months? Declined more than 20% 6 9 12 10 7 6 2 0 4 14 0 4 7 -10% to -20% 10 11 7 7 15 8 9 6 14 7 6 10 11 -10% to flat 8 17 10 8 8 12 8 6 14 0 6 8 2 Unchanged 48 37 48 50 47 50 42 39 29 14 46 49 52 Flat to +10% 12 3 10 9 12 15 22 21 32 36 21 11 8 +10 to +20% 10 9 2 11 8 7 14 24 4 21 15 10 7 +20 to +30% 2 3 2 1 0 1 5 3 0 7 2 2 1 30%+ 1 6 2 1 2 2 0 0 4 0 2 0 0 Base : Unwtd 1500 35 42 215 124 206 65 33 28 14 52 483 203
Figure 507: N4. In what way do you expect your household income to change in the next 12 months? Declined more than 20% 3 9 5 3 4 1 2 3 0 0 0 3 4 -10% to -20% 8 11 5 9 10 6 9 3 11 14 6 10 6 -10% to flat 7 3 21 7 5 5 6 9 7 0 8 7 5 Unchanged 42 40 40 47 49 40 35 24 21 14 42 41 48 Flat to +10% 16 14 12 11 13 29 25 30 18 36 17 12 10 +10 to +20% 14 3 7 13 13 9 12 18 39 36 17 16 13 +20 to +30% 4 3 2 4 3 4 8 9 4 0 8 4 5 30%+ 3 9 5 4 2 5 3 3 0 0 0 3 1 Base : Unwtd 1500 35 42 215 124 206 65 33 28 14 52 483 203
Figure 508: N5. What proportion of your spending is done via credit cards? 0-5% 8 11 2 7 10 8 5 12 4 21 12 7 6 6-10% 8 6 0 6 6 5 14 9 18 14 13 10 7 11-15% 6 3 2 3 5 6 12 15 4 0 8 7 1 16-20% 4 9 10 3 3 3 8 6 7 7 2 4 2 21-25% 1 0 0 2 2 1 2 3 0 0 6 1 0 More than 25% 2 3 0 0 0 1 2 0 0 14 12 4 0 I have no credit card 66 66 81 78 67 71 49 55 64 43 46 60 74 Mean % exp on card 11.13 11.09 14.58 9.9 9.16 10.64 11.93 10.43 9.89 12.56 14.31 12.03 7.94 Base : Unwtd 1500 35 42 215 124 206 65 33 28 14 52 483 203
Figure 509: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 47 50 50 41 52 49 57 73 30 51 43 44 47 Staying the same 36 33 13 40 32 23 27 20 50 25 46 40 45 Decreasing 17 17 38 20 17 28 15 7 20 26 11 16 8 Base : Unwtd 510 12 8 47 41 60 33 15 10 8 28 195 53
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 136
South Africa: Automobiles Figure 510: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Yes 37 31 2 6 14 39 54 65 89 100 86 48 30 No 63 69 98 94 86 61 46 35 11 0 14 52 70
Figure 511: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 4 0 2 1 2 3 5 6 4 21 12 6 4 No 96 100 98 99 98 97 95 94 96 79 88 94 96
Figure 512: B3. How many cars do you own in your household? 1 62 64 100 92 76 86 68 80 36 71 36 53 64 2 27 36 0 8 18 11 26 20 40 21 34 34 25 3 or more 11 0 0 0 6 2 6 0 24 7 30 12 11
Figure 513: B5. How long ago did you purchase this car? 1 year or less 18 36 100 15 12 21 21 20 12 0 36 14 20 2 to 4 years 38 9 0 31 35 46 41 40 36 43 30 41 31 5 to 7 years 27 36 0 23 29 23 15 20 40 29 20 30 28 8 to 10 years 8 9 0 0 6 6 12 20 4 29 7 6 11 More than 10 years ago
8 9 0 31 18 4 12 0 8 0 7 9 10
Base : Unwtd 546 11 1 13 17 81 34 20 25 14 44 225 61
Figure 514: B7. How did you finance it? All Cash 40 64 100 23 29 51 35 50 20 43 45 39 33 Cash + Auto loan 26 18 0 31 53 26 32 10 40 14 27 27 16 All Auto loan 23 9 0 31 12 17 15 25 36 36 23 25 20 Part trade in 5 9 0 8 0 5 6 10 0 0 2 5 10 D.K. 6 0 0 8 6 1 12 5 4 7 2 4 21 Base : Unwtd 546 11 1 13 17 81 34 20 25 14 44 225 61
Figure 515: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
0 2 0 2 4 613 11
21
411
05 4
11 14
2318
43
8
20 19 1623 24
3023
11 14
24
6 7 713
1713 16 14
72
63 6265
53
3932
23
39
14
57
0
10
20
30
40
50
60
70
Less thanR500
R 500 - R999
R 1000 - R2999
R 3000 - R4999
R 5000 - R9999
R 10000 - R14999
R 15000 - R19999
R 20000 - R24999
R 25000 - R29999
R 30000 ormore
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 137
Figure 516: B4. What brand is the car your household last purchased? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Local 3 0 0 0 6 1 0 5 4 0 5 4 5 Foreign 97 100 100 100 94 99 100 95 96 100 95 96 95
Toyota 23 18 0 23 24 30 26 20 8 43 20 20 33
Volkswagen 16 0 0 8 6 19 26 40 24 14 11 12 21 Base : Unwtd 546 11 1 13 17 81 34 20 25 14 44 225 61
Figure 517: B16. How do you plan to finance the upcoming car purchase? All Cash 26 0 0 36 0 32 23 9 25 11 50 29 27 Cash + Auto loan 35 75 0 55 38 35 46 45 25 44 33 28 30 All Auto loan 35 0 100 9 50 29 30 45 51 33 17 36 37 Part trade in 2 0 0 0 13 3 0 0 0 11 0 2 0 D.K. 3 25 0 0 0 0 0 0 0 0 0 4 7 Base : Unwtd 214 4 1 11 8 31 13 11 8 9 6 82 30
Figure 518: B17. How much do you plan to spend on the car you or your household is planning to purchase ? Below R 100000 42 50 0 45 50 52 31 27 25 11 0 45 50 R 109000 to 119000 20 50 0 45 25 26 38 18 38 11 33 11 10 R 120000 to 149000 18 0 100 9 0 19 15 45 13 22 0 17 20 R 150000 to 199000 14 0 0 0 25 0 15 9 0 22 50 22 7 R 200000 or more 7 0 0 0 0 3 0 0 25 33 17 5 13 Base : Unwtd 214 4 1 11 8 31 13 11 8 9 6 82 30
Figure 519: B15. Which car brand are you most likely purchase? Local 1 0 0 0 0 0 0 0 0 0 0 2 0 Foreign 91 75 100 99 102 99 94 90 102 99 83 89 77
Toyota 25 0 0 17 29 26 24 18 44 40 33 29 14
BMW 14 75 100 17 14 14 11 18 12 20 0 11 17
Volkswagen 12 0 0 0 14 17 18 18 0 10 0 13 8 Base : Unwtd 214 4 1 11 8 31 13 11 8 9 6 82 30
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 138
South Africa: Food & Beverage Figure 520: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to answer
D.K
Carbonated Drinks: Yes
93 80 93 89 93 95 96 94 100 92 88 94 94
Carbonated Drinks: No 7 20 7 11 7 5 4 6 0 8 12 6 6 Carbonated Drinks: Base
1441 35 41 211 121 197 57 31 26 13 51 469 189
Beer: Yes 35 43 34 31 34 34 46 42 31 31 47 35 37 Beer: No 65 57 66 69 66 66 54 58 69 69 53 65 63 Beer: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189
Bottled Water: Yes 44 40 29 24 38 52 53 71 69 69 69 49 33 Bottled Water: No 56 60 71 76 62 48 47 29 31 31 31 51 67 Bottled Water: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189 Spirits: Yes 15 14 7 9 13 14 25 23 19 15 27 16 14 Spirits: No 85 86 93 91 87 86 75 77 81 85 73 84 86 Spirits: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189 Dairy: Yes 89 74 80 81 88 90 95 97 100 100 94 93 84 Dairy: No 11 26 20 19 12 10 5 3 0 0 6 7 16 Dairy: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189
Figure 521: C2. Which brand of drinks have you purchased in the last 3 months? Carbonated - Foreign 63 63 60 61 65 61 68 65 67 67 62 64 Coca-Cola 15 13 15 15 17 16 14 16 14 13 17 15 Sprite 7 7 7 7 10 5 7 7 8 9 10 6 Carbonated - Local 37 37 40 39 35 40 32 34 34 33 37 35 Stoney 14 17 15 15 14 14 12 11 11 12 14 14 Sparletta 12 11 11 12 11 14 11 13 13 12 16 11 Carbonated - Base 1340 28 38 188 113 187 55 29 26 12 45 442 Beer - Foreign 27 11 14 11 24 38 37 34 37 58 34 29 Amstel 10 0 9 4 8 11 12 8 16 25 9 13 Beer - Local 72 90 86 90 75 64 64 66 63 42 67 72 Castle Lager 19 20 24 20 21 24 19 27 21 25 21 16 Hansa Pilsener 16 25 19 18 18 14 10 8 16 8 17 15 Carling Black Label 16 35 38 31 15 4 9 8 16 8 9 14 Beer - Base 508 15 14 65 41 66 26 13 8 4 24 163 Bottled Water - Foreign 40 41 32 48 44 42 38 37 42 38 36 40 Bonaqua 27 34 28 35 25 29 28 19 25 19 19 26 Bottled Water - Local 58 59 63 53 55 59 62 64 60 61 65 58 Aqualle 23 16 28 25 25 25 23 23 17 19 18 21 Bottled Water - Base 635 14 12 51 46 103 30 22 18 9 35 232 Spirits - Foreign 69 73 59 65 67 73 77 84 71 75 67 65 Smirnoff 17 0 20 27 34 17 22 0 29 0 15 10 Spirits - Local 29 18 40 36 34 29 16 15 29 25 26 32 Klipdrift 17 9 20 18 19 23 16 8 14 13 21 17 Spirits - Base 214 5 3 18 16 28 14 7 5 2 14 75
Dairy - Foreign 48 56 47 46 48 48 45 45 50 44 44 49 Danone 15 17 13 16 15 15 16 15 16 13 13 15 Dairy - Local 52 44 53 54 53 52 55 55 51 56 55 51 Clover 20 20 20 19 20 20 21 19 21 19 19 20 Bonita 13 10 12 13 13 14 13 13 10 11 14 13 Dairy - Base 1278 26 33 171 107 177 54 30 26 13 48 434
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 139
Figure 522: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or
more
Would prefer not to answer
D.K
Carbonated Drinks: Yes
55 49 51 52 62 62 65 61 42 77 57 52 49
Carbonated Drinks: No
45 51 49 48 38 38 35 39 58 23 43 48 51
Base : Unwtd 1441 35 41 211 121 197 57 31 26 13 51 469 189 Beer: Yes 24 23 32 17 26 24 37 29 23 31 35 24 22 Beer: No 76 77 68 83 74 76 63 71 77 69 65 76 78 Beer: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189
Bottled Water: Yes 30 23 20 21 30 37 40 48 46 38 57 31 21 Bottled Water: No 70 77 80 79 70 63 60 52 54 62 43 69 79 Bottled Water: Base
1441 35 41 211 121 197 57 31 26 13 51 469 189
Spirits: Yes 14 9 10 9 15 13 23 13 15 15 35 13 12 Spirits: No 86 91 90 91 85 87 77 87 85 85 65 87 88 Spirits: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189
Dairy: Yes 58 43 54 51 60 64 63 77 58 77 59 61 50 Dairy: No 42 57 46 49 40 36 37 23 42 23 41 39 50 Dairy: Base 1441 35 41 211 121 197 57 31 26 13 51 469 189
Figure 523: C4. What % of your diet is made up of meat? 0% (0) 6 9 2 6 8 7 4 0 4 8 2 5 8 0-5% (2.5) 19 23 20 25 22 17 16 13 8 0 16 19 15 6-15% (10) 27 34 27 29 26 29 25 26 42 31 25 25 23 16-25% (20) 18 6 29 17 19 21 19 23 15 15 16 17 17 More than 25% (30)
21 14 10 12 18 22 26 32 19 46 33 23 21
Figure 524: C5. How do you think your meat consumption is likely to change over the next 12 months?
40 37 32 32 3550 45
2738 32
46 54 55 53 5642 45
50
54 61
14 10 14 15 9 9 1023
8 8
0%
20%
40%
60%
80%
100%
Less thanR500
R 500 - R999
R 1000 -R2999
R 3000 - R4999
R 5000 - R9999
R 10000 - R14999
R 15000 - R19999
R 20000 - R24999
R 25000 - R29999
R 30000 ormore
Plan
ned
spen
d on m
eat in
12
mont
hs (%
of po
p. lik
ely to
ch
ange
intak
e)
More The same Less
Figure 525: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
26 27
18 17
26
4135
4
3024
0
10
20
30
40
50
Less thanR500
R 500 - R999
R 1 000 - R2999
R 3 000 - R 4999
R 5 000 - R 9999
R 10 000 - R14 999
R 15 000 - R19 999
R 20 000 - R24 999
R 25 000 - R29 999
R 30 000 ormore
Net %
of re
spon
dent
s
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 140
South Africa: Home & Personal Care Figure 526: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Tissues: Yes 66 69 48 54 63 65 68 79 70 64 82 75 59 Tissues: No 34 31 52 46 37 35 32 21 30 36 18 25 41 Tissues: Base 1485 35 42 215 124 204 62 33 27 14 50 481 198 Feminine Hygiene: Yes
75 59 65 66 68 84 76 80 100 90 83 74 85
Feminine Hygiene: No
25 41 35 34 32 16 24 20 0 10 17 26 15
Feminine Hygiene: Base
739 22 20 120 68 95 29 15 7 10 23 235 95
Cosmetics: Yes 66 69 57 64 73 70 69 76 74 86 80 66 56 Cosmetics: No 34 31 43 36 27 30 31 24 26 14 20 34 44 Cosmetics: Base 1485 35 42 215 124 204 62 33 27 14 50 481 198
Figure 527: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 43 50 32 43 41 47 43 43 45 48 44 42 Kleenex 27 25 22 22 23 31 20 30 25 28 30 29 Tissues - Local 57 47 68 56 59 53 57 57 55 52 55 58 Twinsaver 37 31 34 35 40 40 36 37 45 36 40 36 Tissues - Base 984 24 20 116 78 133 42 26 19 9 41 359 Fem Hygiene - Foreign
97 85 100 97 98 99 98 99 100 99 100 97
Always 40 35 45 41 41 38 37 47 19 53 37 42 Fem Hygiene - Local
1 7 0 3 2 0 0 0 0 0 0 2
Fem Hygiene - Base
554 13 13 79 46 80 22 12 7 9 19 173
Cosmetics - Foreign
88 89 83 84 84 88 89 85 86 89 90 91
Nivea 14 13 11 11 12 14 14 14 18 6 13 14 Ponds 12 13 12 15 16 10 11 9 9 6 9 12 Cosmetics - Local 11 10 15 15 14 11 11 12 13 6 10 8 Cosmetics - Base 986 24 24 137 91 142 43 25 20 12 40 318
Figure 528: E3. Do you expect to spend more on any of these products in the next 12 months? Cosmetics: Yes 35 46 31 37 44 32 37 52 41 21 40 35 28 Cosmetics: No 65 54 69 63 56 68 63 48 59 79 60 65 72 Cosmetics: Base 1485 35 42 215 124 204 62 33 27 14 50 481 198 Feminine Hygiene: Yes
42 27 30 43 44 49 38 60 43 60 39 38 45
Feminine Hygiene: No
58 73 70 57 56 51 62 40 57 40 61 62 55
Feminine Hygiene: Base
739 22 20 120 68 95 29 15 7 10 23 235 95
Cosmetics: Yes 41 34 24 46 55 45 47 52 41 57 36 38 34 Cosmetics: No 59 66 76 54 45 55 53 48 59 43 64 62 66 Cosmetics: Base 1485 35 42 215 124 204 62 33 27 14 50 481 198
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 141
South Africa: Luxury Goods Figure 529: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Fashion: Yes 39 32 21 29 32 45 52 56 42 50 59 40 39 Fashion: No 61 68 79 71 68 55 48 44 58 50 41 60 61 Fashion: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194 Leather: Yes 27 32 10 21 26 28 37 47 35 36 35 25 26 Leather: No 73 68 90 79 74 72 63 53 65 64 65 75 74 Leather: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194
Sportswear: Yes 29 29 19 22 26 33 26 31 42 43 49 31 23 Sportswear: No 71 71 81 78 74 67 74 69 58 57 51 69 77 Sportswear: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194 Watches: Yes 8 15 5 5 2 9 13 19 23 21 18 7 5 Watches: No 92 85 95 95 98 91 87 81 77 79 82 93 95 Watches: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194 Jewellery: Yes 8 12 5 6 6 8 18 16 12 14 18 9 5 Jewellery: No 92 88 95 94 94 92 82 84 88 86 82 91 95 Jewellery: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194 Perfumes: Yes 47 41 33 31 46 52 58 69 50 64 59 53 38 Perfumes: No 53 59 67 69 54 48 42 31 50 36 41 47 62 Perfumes: Base 1459 34 42 212 122 199 62 32 26 14 51 471 194
Figure 530: F3. If so, what brand was this / brands were these? Fashion - Foreign 69 70 40 65 77 70 79 74 66 64 76 71 Levis 10 17 7 9 12 10 9 10 7 6 11 10 Guess 9 4 0 5 11 9 8 12 11 0 8 10 Fashion - Local 29 29 60 33 24 29 22 28 33 29 24 27 Fashion - Base 575 11 9 62 39 90 32 18 11 7 30 190 Leather - Foreign 65 78 60 51 63 71 79 66 66 57 64 72 Guess 7 0 0 4 13 9 5 9 13 0 7 9 Hugo Boss 5 8 0 4 7 11 7 3 7 0 3 5 Polo 5 8 0 5 8 4 7 6 13 0 5 7 Leather - Local 31 17 20 42 34 28 18 35 33 29 38 28 Leather - Base 388 11 4 45 32 55 23 15 9 5 18 120 Sportswear - Foreign 86 82 82 79 89 89 87 94 85 94 91 86 Nike 23 18 40 21 23 23 23 22 10 19 19 25 Adidas 26 23 10 23 26 26 16 33 30 25 35 27 Sportswear - Local 14 14 21 21 10 11 13 6 15 0 9 14 Sportswear - Base 419 10 8 46 32 66 16 10 11 6 25 145
Watches - Foreign 72 67 100 74 100 67 70 63 78 66 74 65 Citizen 11 0 15 12 8 13 20 0 22 0 12 9 Omega 7 0 15 0 15 9 0 13 0 33 12 7 Watches - Local 23 17 0 25 0 27 20 38 22 33 19 27 Watches - Base 115 5 2 11 3 17 8 6 6 3 9 35 Jewellery - Foreign 11 0 0 0 49 19 6 0 33 0 10 9 Jewellery - Local 84 80 100 93 39 77 94 100 66 100 59 86 American Swiss 21 20 100 17 0 14 38 44 0 0 10 23 Sterns 18 40 0 28 10 14 19 33 0 33 10 17 Jewellery - Base 122 4 2 13 7 15 11 5 3 2 9 41 Perfumes - Foreign 83 81 85 85 82 79 89 84 93 68 87 86 Revlon 14 18 20 22 15 12 16 12 12 6 16 12 Yardley 14 18 17 17 15 17 14 18 4 12 6 12 Perfumes - Local 16 18 14 16 19 22 10 19 4 25 10 13 Perfumes - Base 686 14 14 66 56 104 36 22 13 9 30 248
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 142
Figure 531: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Fashion: Up to R500 43 64 67 66 54 44 41 17 18 14 17 42 42 Fashion: R501-1000 24 27 11 19 23 28 28 33 9 57 30 23 24 Fashion: R1001-2000 16 0 0 8 18 17 25 22 55 14 30 17 9 Fashion: R2001 – 4000
7 0 0 2 5 6 6 17 18 14 13 7 8
Fashion: R4001 – 6000
2 9 11 2 0 2 0 6 0 0 7 1 0
Fashion: Over R6001 - 8000
0 0 0 0 0 0 0 0 0 0 3 1 0
Fashion: Over R8001 - 10000
0 0 0 0 0 0 0 0 0 0 0 1 0
Fashion: Mean Exp. R
931 819 907 580 732 877 876 1486 1478 1108 1684 966 794
Sportswear: Up to R500
48 70 50 72 72 52 38 50 27 17 36 39 43
Sportswear: R501-1000
33 20 38 15 25 36 50 10 36 50 44 36 32
Sportswear: R1001-2000
10 10 0 2 0 11 6 20 27 17 16 12 7
Sportswear: R2001-4000
1 0 0 0 0 0 0 10 9 0 4 1 0
Sportswear: R4001-6000
0 0 0 0 0 0 0 0 0 0 0 1 2
Sportswear: Over R6000
0 0 0 0 0 0 0 10 0 0 0 0 0
Sportswear: Mean Exp. R
630 476 465 367 380 570 601 1501 1023 801 781 682 670
Watches: Up to R500 57 60 0 64 33 59 75 50 67 0 33 54 100 Watches: R501-1000 17 20 100 9 33 24 25 33 0 67 0 11 0 Watches: R1001-2000
13 0 0 9 33 6 0 0 33 0 56 14 0
Watches: R2001-4000
2 0 0 9 0 0 0 0 0 0 0 3 0
Watches: R4001-6000
3 20 0 0 0 0 0 17 0 33 0 0 0
Watches: Mean Exp. R
708 1301 751 701 834 468 376 1209 668 2167 1032 630 251
Jewellery: Up to R500
58 75 0 92 71 60 73 20 67 50 44 49 60
Jewellery: R501-1000
20 25 50 8 29 20 27 60 0 50 11 20 0
Jewellery: R1001-2000
4 0 0 0 0 7 0 0 0 0 11 7 0
Jewellery: R2001-4000
5 0 0 0 0 0 0 20 33 0 11 5 10
Jewellery: R4001-6000
2 0 0 0 0 0 0 0 0 0 11 5 0
Jewellery: Mean Exp. R
700 376 751 289 394 462 387 1101 1168 501 1407 901 644
Perfumes: Up to R500
78 86 79 97 95 85 67 73 46 44 60 72 78
Perfumes: R501-1000
14 7 7 2 4 8 33 23 46 56 23 17 11
Perfumes: R1001-2000
2 0 0 0 0 2 0 5 8 0 13 3 1
Perfumes: R2001-4000
0 7 0 0 0 0 0 0 0 0 3 0 0
Perfumes: Mean Exp. R
312 737 144 62 94 220 239 322 373 263 625 327 218
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 143
Figure 532: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 533: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
2633 34 37
4853 56 54
64
43
0
10
20
30
40
50
60
70Le
ss th
anR5
00
R 50
0 -R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
912 12
15
24
32
38
27
43
27
0
10
20
30
40
50
Less
than
R500
R 50
0 -R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 534: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 535: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
21
31 3036
4239 38
54
43 43
0
10
20
30
40
50
60
Less
than
R500
R500
-R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
6 5 68 9
15
22
19
7
12
0
5
10
15
20
25
Less
than
R500
R500
-R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 536: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 537: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
15
78
7
1416
9
19
14
18
02468
101214161820
Less
than
R500
R500
-R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
3531 33
48 4955
69
50 5057
0
10
20
30
40
50
60
70
80
Less
than
R500
R500
-R9
99
R 10
00 -
R299
9
R300
0 -R4
999
R500
0 -R9
999
R100
00 -
R149
99
R150
00 -
R199
99
R200
00 -
R249
99
R250
00 -
R299
99
R300
00or
mor
e
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 144
South Africa: Technology and Internet Figure 538: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
500 750 2000 4000 7500 12500 More than 15000
Income (ZAR)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 539: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Blue-Ray DVD Player
57 44 50 58 54 53 68 56 54 57 52 59 57
Camcorder 28 16 31 28 26 24 29 34 29 43 33 28 30 Desktop computer 70 56 79 73 73 69 68 78 64 79 73 71 65 Digital Camera 50 44 48 50 48 49 59 47 46 36 40 52 52 DVD Player 27 22 36 26 27 33 16 25 25 21 37 24 29 E-Reader 14 16 19 14 15 15 17 9 11 7 4 15 11 Gaming facility 29 13 24 28 31 29 29 41 39 43 37 26 31 GPS/Navigation 38 31 50 38 40 37 38 34 36 43 40 39 36 Internet Service (Broadband / Dial Up)
43 28 40 42 41 40 46 44 43 57 33 47 44
Mobile Phone (Basic)
3 3 0 3 2 4 5 3 0 0 0 3 2
Mobile Phone (Smartphone)
86 81 90 85 87 82 84 88 86 79 88 86 88
MP3 49 31 55 52 56 50 49 50 46 57 44 46 47 Netbook 2 0 0 0 0 5 2 0 0 0 0 2 2 Notebook PC 7 3 7 5 5 8 8 13 11 0 8 8 6 Stereo HiFi 65 50 62 67 69 64 62 66 61 64 54 69 61 Traditional TV 1 6 0 0 3 0 3 0 0 7 0 0 4 LCD TV 86 81 88 86 85 88 79 84 75 79 83 87 85 Flat screen TV 75 69 64 72 73 78 75 91 79 79 83 76 74 Tablet 66 53 76 65 66 64 59 75 61 79 63 68 69 None of these 3 0 2 4 3 3 3 3 7 14 4 3 1
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 145
Figure 540: l6. What services have you used in the last 6 months?
1422
34
93 99 99
819 24
10 1019
93 99 9993 99 99
0 0 00
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 541: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Yes 29 14 12 6 11 33 32 52 61 57 67 37 28 No 71 86 88 94 89 67 68 48 39 43 33 63 73
Figure 542: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 42 60 40 46 21 30 70 41 59 50 54 44 27 No 50 40 40 38 57 64 30 47 29 50 37 49 60 Don’t know 9 0 20 15 21 6 0 12 12 0 9 7 13
Figure 543: I3. Who is your main Internet Service provider? MTN 41 40 40 62 43 48 40 47 18 25 51 40 35 Vodacom 28 40 0 23 14 23 35 24 24 38 26 32 25 Cell C 2 0 0 0 7 0 5 6 0 0 0 2 5 Telkom 18 0 40 15 7 22 20 18 41 25 6 14 27 Mweb 8 0 20 0 21 6 0 0 18 13 11 8 7
Figure 544: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 33 60 40 46 28 20 45 42 36 25 18 39 33 The same 52 20 60 38 43 59 50 41 59 63 71 49 47 Less 14 20 0 15 28 20 5 18 6 13 12 12 20 Base: Unwtd 435 5 5 13 14 69 20 17 17 8 35 177 55
Figure 545: I4. Which is your most frequently used search engine? Google 42 40 20 54 36 43 55 35 35 38 46 44 33
MSN 1 0 0 0 0 0 0 0 0 13 0 2 2
Yahoo 1 0 0 0 0 0 0 0 0 13 0 2 2
Ask 46 40 60 46 36 49 45 59 47 38 37 42 58
Ananzi 8 0 20 0 21 6 0 0 18 13 11 8 7
Base : Unwtd 435 5 5 13 14 69 20 17 17 8 35 177 55
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 146
South Africa: Telecommunications Figure 546: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Yes, I own and pay for it
83 63 74 75 82 87 89 94 79 71 88 88 75
Yes, my employer pays
2 11 2 1 1 2 2 3 14 0 2 1 1
Yes, somebody else pays
4 6 7 1 5 4 3 3 0 7 6 4 8
No, I do not own one
11 20 17 23 12 6 6 0 7 21 4 7 16
Base : Unwtd 1485 35 42 215 121 205 64 32 28 14 52 479 198 Figure 547: H3. What brand is your current mobile handset? Foreign 96 94 92 90 96 100 98 97 100 90 100 95 Nokia 51 43 54 51 56 51 55 47 27 27 36 53 Blackberry 19 21 0 8 11 20 23 25 50 36 42 19 Samsung 17 14 26 22 20 18 12 13 23 27 12 13 Local 4 4 9 9 3 3 2 3 0 9 0 3 Base 1317 28 35 166 106 192 60 32 26 11 50 445
Figure 548: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 60 50 67 43 68 64 69 100 67 0 67 56 65 No 40 50 33 57 33 36 31 0 33 100 33 44 35
Figure 549: H12. Which brand of Smartphone handset will you buy? Foreign 95 93 100 96 99 98 92 95 99 89 100 91 Nokia 44 60 56 60 52 39 33 18 26 38 26 45 BlackBerry 36 13 25 20 29 45 44 53 63 25 58 32 Local 1 0 0 1 0 2 0 0 0 13 0 1 Don’t Know Which Brand
4 7 0 3 2 1 8 6 0 0 0 6
Base 757 15 16 94 65 132 36 17 19 8 31 228 Figure 550: H8. How much do you spend, on average, on mobile telephone bills per month?
100 100 96 99 96 98 91 81100 88
15
0%
20%
40%
60%
80%
100%
Less thanR500
R500 -R999
R 1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f res
pond
ents
R1 - R1000 R1001 - R2000 R2001 - R4000 R4001 - R6000
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 147
South Africa: Travel Figure 551: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
2314 16 15
2234
2430
5038
2333
25 2433
3845
5664
52
010203040506070
Less thanR500
R500 -R999
R1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 552: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
At home 31 38 33 51 72 36 59 13 13 29 26 16 28 Elsewhere in the country
61 63 67 40 28 62 36 88 75 57 63 72 63
International Destination
8 0 0 9 0 2 5 0 13 14 11 12 10
Base : Unwtd 350 8 6 35 18 45 22 8 8 7 19 134 40
Figure 553: J4. What was the main form of transport that you used to reach you holiday destination? Car 55 40 0 53 40 45 44 71 57 80 64 53 76 Bus 14 40 75 18 20 28 22 0 0 0 0 13 3 Train 5 20 25 0 40 10 0 0 0 0 0 4 0 Ship 0 0 0 0 0 0 0 0 0 0 0 1 0 Aeroplane 24 0 0 18 0 17 33 29 43 20 36 27 21 Other 2 0 0 12 0 0 0 0 0 0 0 3 0 Base : Unwtd 243 5 4 17 5 29 9 7 7 5 14 112 29 Figure 554: J7. Where are you planning to go for your next holiday? At home 23 63 29 36 34 31 42 13 7 22 23 12 23 Elsewhere in the country
70 38 71 57 66 63 50 80 80 78 73 78 73
International Destination.
7 0 0 8 0 6 8 7 13 0 4 9 4
Base : Unwtd 504 8 14 53 29 67 24 15 15 9 26 170 74
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 148
South Africa: Property Figure 555: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Yes 68 71 67 62 65 71 73 76 81 93 86 65 68 No 32 29 33 38 35 29 27 24 19 7 14 35 32 Base : Unwtd 1477 35 42 212 122 205 62 33 27 14 51 475 199
Figure 556: K2. If you do not own your own property, on what terms do you occupy the property? Rented 68 60 43 60 67 78 82 75 100 100 86 70 58 Mortgaged 22 40 29 26 21 14 18 25 0 0 14 21 23 Borrowed 4 0 21 4 5 0 0 0 0 0 0 4 5 Base : Unwtd 477 10 14 81 43 59 17 8 5 1 7 168 64
Figure 557: K3. What is the market value of the property? Up to R750000 40 52 36 39 49 58 51 28 50 38 43 35 21 R750001 – 3000000
7 0 0 1 0 5 4 24 32 38 36 8 2
R3000001 - 6000000
1 0 0 1 0 1 0 0 0 0 0 1 0
R6000001 - 10000000
0 0 0 0 0 0 0 0 0 0 5 1 0
Mean 705452 375001 375001 481133 375001 533968 495001 1067309 958334 1125001 1435812 842832 520162 Base : Unwtd 1000 25 28 131 79 146 45 25 22 13 44 307 135
Figure 558: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 22 40 30 15 38 0 10 14 40 33 0 25 31 First-time home buyer
44 40 30 77 50 65 20 43 20 0 43 43 31
Investment 13 20 0 8 6 15 20 14 0 67 29 16 0 Change of location 20 0 40 0 6 15 50 29 40 0 29 16 38 Base : Unwtd 153 5 10 13 16 20 10 7 5 3 7 44 13
Figure 559: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 59 54 57 58 54 65 71 85 81 71 51 57 49 About the same 23 20 17 24 26 18 23 9 19 29 31 24 23 Decrease 9 17 7 8 11 10 3 3 0 0 14 10 11 Base : Unwtd 1477 35 42 212 122 205 62 33 27 14 51 475 199
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 149
Figure 560: K5. Do you or your household intend to purchase a property in the next 2 years?
14 24 13 10 16 21 19 21 14
86 7694 87 90 84 79 81 79 86
0%
20%
40%
60%
80%
100%
Less thanR500
R500 -R999
R1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 561: K4 & K7 – Property Financing: ALL CASH
12
36 39
47
29 27
12 9 8
30
20 20
3125
15
30
1420
3329
0
10
20
30
40
50
Less thanR500
R500 -R999
R1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 562: K4 & K7 – Property Financing: CASH + CREDIT
28
11 1222 25 27
40
59
3123
60
30
46 44
30
5043
60
0
29
010203040506070
Less thanR500
R500 -R999
R1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 563: K4 & K7 – Property Financing: ALL CREDIT
16 14 11 11
2518
3627
62
36
2030
15
31
55
20
43
20
3343
010203040506070
Less thanR500
R500 -R999
R1000 -R2999
R3000 -R4999
R5000 -R9999
R10000 -R14999
R15000 -R19999
R20000 -R24999
R25000 -R29999
R30000or more
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 150
South Africa: Education Figure 564: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Public 90 93 100 94 94 96 92 85 81 71 67 87 92 Private 20 7 13 13 12 15 27 25 24 29 27 27 17 Semi - Private 24 27 17 26 21 27 14 35 14 14 12 23 30 None of these 13 0 4 9 8 16 27 10 29 43 15 12 13 Base : Unwtd 892 15 24 122 78 114 37 20 21 7 33 288 133
Figure 565: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 21 7 17 15 13 18 32 15 43 43 39 26 11 No 79 93 83 85 87 82 68 85 57 57 61 74 89 Base : Unwtd 892 15 24 122 78 114 37 20 21 7 33 288 133
Figure 566: L4. Do you yourself currently participate in any adult continuing education? Yes 10 9 10 3 6 10 8 13 19 29 17 12 12 No 90 91 90 97 94 90 92 87 81 71 83 88 88 Base : Unwtd 1465 35 42 213 123 199 60 31 27 14 52 471 198
Figure 567: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 23 17 14 18 14 19 33 42 44 50 33 23 27 About the same 52 51 55 51 59 58 45 48 33 36 48 52 51 Less 25 31 31 31 28 24 22 10 22 14 19 25 23 Base : Unwtd 1465 35 42 213 123 199 60 31 27 14 52 471 198
Figure 568: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
1714
1814
19
33
42 44
50
3331 31 3128
24 22
10
22
1419
0
10
20
30
40
50
R1 - R1000 R1001 -R2000
R2001 -R4000
R4001 -R6000
R6001 -R8000
R8001 -R10000
R10001 -R30000
R30001 -R50000
R50001 -R100000
R100001 -R130000
Spen
ding
on
educ
atio
n &
trai
ning
in
the
next
12
mon
ths
(% o
f ho
useh
olds
)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 151
South Africa: Healthcare Figure 569: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Up to R 500
R 500 to 999
R 1000 to 2999
R 3000 to 4999
R 5000 to 9999
R 10000 to 14999
R 15000 to 19999
R 20000 to 24999
R 25000 to 29999
R30000 or more
Would prefer not to
answer
D.K
Yes 50 32 50 57 52 57 56 48 37 31 26 49 49 No 50 68 50 43 48 43 44 52 63 69 74 51 51 Base : Unwtd 1441 34 42 207 120 199 57 29 27 13 50 469 194 Figure 570: M2. What services, if any, could you get free from the state? Hospital 97 100 100 94 98 96 100 100 100 75 100 96 98 Emergency Room 45 45 24 38 52 48 41 43 60 75 46 49 42 Prescriptions 56 45 48 44 55 63 56 43 70 50 46 62 53 Vaccinations 56 45 57 44 65 62 59 43 50 75 46 59 53 Diagnostic tests 39 45 33 30 48 40 50 36 50 50 23 42 36 Base : Unwtd 722 11 21 117 62 114 32 14 10 4 13 229 95
Figure 571: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 20 24 10 9 13 23 26 41 59 46 50 21 16 No 80 76 90 91 88 77 74 59 41 54 50 79 84 Base : Unwtd 1441 34 42 207 120 199 57 29 27 13 50 469 194 Figure 572: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 15 12 7 15 14 16 23 24 22 31 18 15 10 Same 54 53 45 44 58 59 51 59 63 62 56 53 57 Less 31 35 48 41 28 25 26 17 15 8 26 32 32 Base : Unwtd 1441 34 42 207 120 199 57 29 27 13 50 469 194 Figure 573: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 60 68 74 72 64 55 61 55 70 77 56 55 57 1-10% extra 31 26 14 18 28 35 30 41 26 15 28 36 35
11-20% extra 7 0 12 6 4 9 4 3 4 8 8 7 7
21-30% extra 1 3 0 0 2 0 4 0 0 0 4 1 0
More than 30% extra 1 3 0 3 2 2 2 0 0 0 4 1 1 Base : Unwtd 1441 34 42 207 120 199 57 29 27 13 50 469 194
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 152
Turkey Potential emerging The picture for Turkey last year (Turkey’s first appearance) was weak. The mood now seems to be turning. Overall optimism has improved, most markedly at the higher end of the income scale, while those at the very bottom remain far less positive. Spending patterns now look closer to those of a middle-income country, with expenditure on housing and food falling, and that on autos and education rising. Lower inflation and higher growth support more discretionary spend.
Although Turkey registers the lowest level on confidence in our survey, with 11% of weighted respondents expecting their financial conditions to improve rather than deteriorate, we would highlight the overall improvement since last year. Pessimism may still be acute at the low end, but at the high end the level of optimism in Turkey is consistent with that seen in Saudi Arabia. Income expectations are not at the highest level of countries in the survey but neither are they the lowest, and middle/high income earners expect nominal gains of around 5%.
The caveat to highlight against this is that only 24% of respondents suggested that now was a good time to make a major purchase – the lowest across the countries. Recent consumer tax hikes could play a role, particularly with respect to larger ticket purchases, such as cars.
The momentum of recorded spending and ownership is not in the order of that seen in the high-growth countries in the emerging world. However, the pattern of spending momentum in our survey has become more discretionary focused. Last year, there was an implicit squeezing out of such spending by the large shares taken by food and housing costs. Both have declined to provide more leeway for other activities – saving and spending.
In terms of the mix of spending, there is a familiar theme with others. Smartphones, computers, internet access, cars and holidays have seen some of the strongest gains. The modest level of internet penetration suggests further scope for growth. Interestingly, recent taxes on alcohol and spirits have not impacted the spending habits here and growth has continued – a feature consistent with other published data where beer volumes posted increases despite the steep tax hikes.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 153
Turkey: Spending sentiment Figure 574: Country product purchasing in 2012 vs survey average
Carbonated drinks
BeerSpirits
Dairy
Cosmetics
Fashion apparel
Sports shoes
Watches
Perfume
Computers
Mobile phones
Smartphone
Internet access
Holidays
Property
Extra education
0102030405060708090
100
0 10 20 30 40 50 60 70 80 90 100
% re
spon
dents
in T
urke
y, 20
12
% respondents with exposure on average across the EM Consumer Survey
Greater penetration in Turkey
EM consumer survey average
Source: Credit Suisse Emerging Consumer Survey
Figure 575: Country product purchasing in 2012 vs change over 2011
Carbonated drinks
BeerSpirits
Dairy
CosmeticsFashion apparel
Sports shoes
Watches
Perfume ComputersMobile phones
Smartphone
Internet accessHolidays
Property
Extra education
-10
-5
0
5
10
15
0 10 20 30 40 50 60 70 80 90 100
Reco
rded
spen
ding i
n 201
2 vs 2
011
2012 % respondents that own or have bought each item
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 154
Turkey: Demographics Figure 576: A6. Could you please tell me your age? Figure 577: N2. What is your total after tax monthly
income?
3340
1611
0
10
20
30
40
50
18-29 30-45 46-55 56-65
% o
f res
pond
ents
21
41
15
62 1 1
0
10
20
30
40
50
Less
than
1000
1001
- 20
00TL
2001
-300
0TL
3001
-500
0TL
5001
-7 0
00TL 7 00
1 -
10.0
00 T
L
Abov
e10
.000
TL
% o
f res
pond
ents
Note: Sample size: 1518 respondents across 6 geographical regions
Figure 578: Urban / Rural split Figure 579: Male / Female split
31
69
0
20
40
60
80
100
Rural Urban
% o
f res
pond
ents
50 50
0
10
20
30
40
50
60
Male Female
% o
f res
pond
ents
Figure 580: A9. How many people live in your household? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to answer
D.K
1 5 5 5 7 2 0 20 0 4 3 2 16 18 17 14 13 11 10 10 16 18 3 26 20 29 27 33 25 10 20 24 25 4 27 22 27 26 35 36 30 30 36 33 5 or more 25 35 22 27 17 29 30 40 20 21
Mean 3.52 3.64 3.44 3.52 3.5 3.82 3.4 4 3.53 3.51
Figure 581: A12. How many children does your household have? 1 52 48 53 48 67 73 50 100 44 45 2 33 31 31 38 23 27 50 0 40 45 3 12 16 10 13 10 0 0 0 15 10 4 3 1 5 2 0 0 0 0 2 0 5 or more 1 3 0 0 0 0 0 0 0 0 Mean 1.69 1.8 1.68 1.68 1.43 1.27 1.5 1 1.75 1.65
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 155
Figure 582: A15. In your opinion is now a good time to make a major purchase?
25 29 33 3630 40
5854 50 49 32 50 40
26 20 18 18 29 20 20
0%
20%
40%
60%
80%
100%
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Excellent time Good time Not such a good time A bad time
Figure 583: A15 (b) – In your opinion is now a good time to make a major purchase? Percentage of respondents who are positive minus percentage who are negative
-68
-48-36 -34
-21
-40
-20
-80
-60
-40
-20
0
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Figure 584: A16. Do you think the state of your own finances over the next 6m will be better, worse or about the same?
10 16 27 36 3660
30
75 6862 56 54
40
50
15 16 11 11 20
0%
20%
40%
60%
80%
100%
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Better About the same Worse
Source: Credit Suisse survey. NB: Income brackets based on average monthly household income.
Figure 585: A16 (b) – Do you think the state of your own finances over the next 6m will be better, worse or about the same? Percentage of respondents who are positive minus percentage who are negative
-5
0
1628 25
60
10
-10
10
30
50
70
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey NB: Income brackets based on average monthly household income.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 156
Turkey: Income and Other Figure 586: N1. What savings or investment channels, if any, does your household use to save money? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Bank account 20 10 13 32 50 68 80 50 22 10 Life insurance 1 0 1 0 0 4 10 10 0 0 Stock market 0 0 0 0 0 7 0 0 1 1 Cash 13 9 12 18 15 29 30 20 10 9 Mutual Fund 1 0 0 0 2 7 10 20 0 0 Treasury bond 0 0 0 0 1 0 0 0 0 0 Property 3 1 1 4 12 14 20 20 3 1 No extra saving 64 80 70 44 32 7 10 10 61 81 Gold and Jewellery 9 2 8 14 14 32 10 40 13 3 Base : Unwtd 1521 323 617 225 84 28 10 10 157 67
Figure 587: N3. To what extent has your household income changed in the last 12 months? Declined > 20% 5 8 4 1 0 14 0 0 8 7 -10% to -20% 5 3 5 2 2 4 0 0 6 25 -10% to flat 6 8 5 4 4 4 0 0 7 15 Unchanged 64 72 68 60 49 32 20 10 64 39 Flat to +10% 14 6 13 23 32 25 40 50 9 3 +10 to +20% 4 1 3 7 11 7 20 20 3 1 +20 to +30% 1 0 0 1 0 11 10 10 0 0 30%+ 1 1 0 2 2 4 10 10 0 3 Base : Unwtd 1521 323 617 225 84 28 10 10 157 67 Figure 588: N4. In what way do you expect your household income to change in the next 12 months? Declined > 20% 4 7 3 0 2 11 0 0 8 6 -10% to -20% 4 3 5 1 0 4 0 0 5 22 -10% to flat 5 6 3 3 2 0 0 10 8 18 Unchanged 59 70 60 58 46 39 20 0 64 37 Flat to +10% 20 12 23 26 26 32 40 40 11 6 +10 to +20% 5 1 5 6 14 7 30 30 3 1 +20 to +30% 1 0 1 3 4 4 10 10 0 0 30%+ 1 1 0 2 5 4 0 10 0 1 Base : Unwtd 1521 323 617 225 84 28 10 10 157 67 Figure 589: N5. What proportion of your spending is done via credit cards? 0-5% 5 6 5 4 5 7 10 0 11 3 6-10% 8 6 7 6 2 4 0 10 11 34 11-15% 5 2 6 4 6 7 0 10 3 3 16-20% 6 3 8 7 6 4 10 10 4 1 21-25% 6 2 9 8 5 14 0 10 4 6 More than 25% 23 11 22 34 50 46 70 50 17 10 No credit card 41 66 36 29 25 18 10 10 42 34 Mean % exp 20 18 20 23 25 23 26 24 16 13 Base : Unwtd 1521 323 617 225 84 28 10 10 157 67
Figure 590: N6. How do you think your purchases on credit card are likely to change in the next 12 months? Rising 27 29 22 32 40 31 22 33 26 27 Staying the same 60 65 63 53 46 52 67 56 66 66 Decreasing 12 7 13 13 15 13 11 11 8 7 Base : Unwtd 902 110 394 159 63 23 9 9 91 44
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 157
Turkey: Automobiles Figure 591: B1. Does your household currently own a car that is driven for personal use? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to answer
D.K
Yes 30 14 25 45 51 70 67 100 37 33 No 70 86 75 56 49 30 33 0 63 67
Figure 592: B2. Does your household own a motorcycle / 2-wheeler for personal use? Yes 7 6 5 5 7 26 11 14 14 16 No 93 94 95 96 93 74 89 86 86 84
Figure 593: B3. How many cars do you own in your household? 1 91 100 94 88 87 89 67 57 92 90 2 6 0 4 8 8 5 17 14 8 10 3 or more 3 0 1 4 5 5 17 29 0 0
Figure 594: B5. How long ago did you purchase this car? 1 year or less 34 29 34 39 29 53 33 43 32 24 2 to 4 years 43 52 40 40 37 42 50 57 51 38 5 to 7 years 12 12 14 9 13 5 17 0 8 24 8 to 10 years 8 7 10 3 16 0 0 0 5 14 More than 10 years ago 3 0 2 8 5 0 0 0 3 0 Base : Unwtd 403 42 144 89 38 19 6 7 37 21
Figure 595: B7. How did you finance it? All Cash 56 71 54 58 47 63 50 86 49 43 Cash + Credit 33 26 32 35 45 32 50 0 38 29 All Credit 6 2 9 2 8 5 0 14 3 10 Don’t Know 5 0 5 4 0 0 0 0 11 19 Base : Unwtd 403 42 144 89 38 19 6 7 37 21
Figure 596: B10. Will you or your family purchase or replace a passenger car in the next 12 months?
1 3 38
11 1114
6
1519 20
30
56
29
12 13 1316
711
0
49
42 4339 37
11
57
24 2317
12 11 11
00
10
20
30
40
50
60
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Income Bracket
Definitely will Probably will Not sure Probably won’t Definitely won’t
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 158
Figure 597: B4. What brand is the car your household last purchased?
Renault 17 14 18 25 5 11 0 14 22 10 Fiat 15 10 18 16 21 16 17 0 11 5 Ford 10 2 12 13 3 11 0 29 8 14 Volkswagen 8 7 5 12 16 5 33 0 11 0 Opel 7 5 8 9 5 5 0 0 3 10 Hyundai 5 7 7 4 3 11 0 0 3 5 Toyota 4 5 3 1 13 0 0 0 3 5 Other 12 26 13 6 5 0 17 14 16 14 Base : Unwtd 403 42 144 89 38 19 6 7 37 21
Figure 598: B16. How do you plan to finance the upcoming car purchase? All Cash 40 43 40 41 29 55 67 33 50 18 Cash + Credit 40 29 39 41 62 45 17 33 38 45 All Credit 13 19 13 16 10 0 17 0 6 18 Don’t Know 7 10 9 2 0 0 0 33 6 18 Base : Unwtd 234 21 101 44 21 11 6 3 16 11
Figure 599: BT1. Which of the following statements comes closest to your opinion on choosing your new car? I would be willing to pay more for an electric engine
5 5 5 7 5 0 0 0 6 9
I would not be willing to pay more, but if it was the same price I would choose an electric engine over any other type
23 19 24 30 10 18 0 0 25 36
I would not be willing to pay any more for an electric engine
25 29 28 14 24 36 50 0 31 18
Don’t know 47 48 44 50 62 45 50 100 38 36
Base : Unwtd 234 21 101 44 21 11 6 3 16 11
Figure 600: B15. Which car brand are you most likely purchase? Local 6 8 8 6 0 0 0 0 0 7 Foreign 86 81 90 86 98 93 100 66 81 78 Ford 14 11 11 9 32 7 25 33 19 7 Fiat 12 27 12 14 12 7 13 0 6 0 Volkswagen 10 11 11 9 4 7 13 0 25 14 Base : Unwtd 234 21 101 44 21 11 6 3 16 11
% of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 159
Turkey: Food & Beverage Figure 601: C1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Drinks: Yes 87 86 83 90 94 94 100 83 91 96
Drinks: No 13 14 17 10 6 6 0 17 9 4 Drinks: Base 1071 251 446 154 65 18 7 6 75 49 Beer: Yes 27 18 25 32 38 39 57 33 37 27 Beer: No 73 82 75 68 62 61 43 67 63 73 Beer: Base 1071 251 446 154 65 18 7 6 75 49 Bottled Water: Yes 77 67 80 84 88 94 100 100 76 55 Bottled Water: No 23 33 20 16 12 6 0 0 24 45 Bottled Water:Base 1071 251 446 154 65 18 7 6 75 49 Spirits: Yes 21 13 19 27 35 28 57 50 29 18
Spirits: No 79 87 81 73 65 72 43 50 71 82
Spirits: Base 1071 251 446 154 65 18 7 6 75 49
Dairy: Yes 92 86 93 96 92 89 100 100 92 98
Dairy: No 8 14 7 4 8 11 0 0 8 2
Dairy: Base 1071 251 446 154 65 18 7 6 75 49
Figure 602: C2. Which brands of the following have you purchased in the last 3 months? Drinks - Foreign 71 67 71 70 66 71 71 100 81 80 Coca-Cola 36 34 36 37 33 34 35 57 40 33 Drinks - Local 29 33 29 30 34 29 29 0 19 20 Coca Turka 5 10 4 5 3 2 0 0 1 2 Fruko 5 4 5 4 8 5 12 0 6 6 Drinks - Base 931 215 372 139 61 17 7 5 68 47 Beer - Foreign 17 25 16 11 17 27 33 20 15 0 Miller 6 3 9 2 10 18 0 20 3 0 Carlsberg 2 5 1 5 0 0 17 0 3 0 Beer - Local 83 73 83 89 83 73 67 80 85 100 Efes Pilsen 61 56 62 67 50 55 17 40 74 100 Tuborg 16 13 18 18 17 18 33 20 6 0 Beer - Base 286 45 112 50 25 7 4 2 28 13 Water - Foreign 3 3 4 2 0 8 0 0 6 3 Water - Local 95 95 95 96 98 92 100 100 92 97 Erikli 18 20 17 17 21 8 20 20 23 28 Hayat 17 16 14 22 20 22 33 33 20 28 Water - Base 827 169 357 130 57 17 7 6 57 27 Spirits - Foreign 51 44 47 43 64 55 75 58 63 44 Absolut 14 17 12 11 17 18 17 8 19 33 Spirits - Local 44 44 49 51 36 45 17 42 37 33 Binboa 9 10 10 9 6 18 8 8 4 0 Spirits - Base 224 32 85 41 23 5 4 3 22 9 Dairy - Foreign 8 5 7 11 16 13 0 9 10 4 Dairy - Local 91 93 93 88 82 87 100 91 89 94 Pinar 25 23 23 25 27 26 29 18 32 28 Sutas 11 8 12 13 10 8 7 18 16 11 Icim 14 14 15 12 10 18 14 18 13 13 Dairy - Base 987 217 416 148 60 16 7 6 69 48
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 160
Figure 603: C3. Do you expect to spend more on any of these products in the next 12 months? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Drinks: Yes 27 23 27 28 26 33 14 17 28 35 Drinks: No 73 77 73 72 74 67 86 83 72 65 Beer: Yes 10 7 11 7 15 11 43 17 15 0 Beer: No 90 93 89 93 85 89 57 83 85 100 Water: Yes 21 15 22 25 34 33 14 33 21 10
Water: No 79 85 78 75 66 67 86 67 79 90
Spirits: Yes 8 4 8 8 11 6 43 17 16 0
Spirits: No 92 96 92 92 89 94 57 83 84 100
Dairy: Yes 29 27 28 29 37 33 29 33 32 29
Dairy: No 71 73 72 71 63 67 71 67 68 71
Figure 604: C4. What % of your diet is made up of meat? 0% 4 6 4 3 5 0 0 0 7 4 0-5% 25 41 22 16 17 11 14 0 27 27 6-15% 33 30 37 31 26 17 0 0 32 41 16-25% 18 10 22 23 20 22 29 33 11 16 More than 25% 16 11 13 25 25 44 57 50 16 8
Figure 605: C5. How do you think your meat consumption is likely to change over the next 12 months?
23 29 23 17 14 17
7264 66
7172
86
67
13 6 6 12 17
0%
20%
40%
60%
80%
100%
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
Plan
ned
spen
d on
mea
t in
12
mon
ths (
% o
f pop
. like
ly to
ch
ange
inta
ke)
More The same Less
Source: Credit Suisse Emerging Consumer Survey Note: ‘No responses’ account for the remainder of population in % stacked columns
Figure 606: C5 (b) – Percentage of respondents planning on consuming more meat minus respondents planning less
5
10
23
17
5
14
00
5
10
15
20
25
30
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
Net %
of r
espo
nden
ts
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 161
Turkey: Home & Personal Care Figure 607: E1. Have you purchased any of these products in the last 3 months? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Tissues: Yes 90 89 91 91 84 93 100 83 83 93 Tissues: No 10 11 9 9 16 7 0 17 17 7 Tissues: Base 1334 292 562 193 75 28 10 6 110 58
Fem Hygiene: Yes 84 79 84 88 94 92 100 100 87 86 Fem Hygiene: No 16 21 16 12 6 8 0 0 13 14 Fem Hygiene: Base 669 163 286 90 32 12 2 1 55 28 Cosmetics: Yes 50 43 51 55 59 54 70 67 52 43 Cosmetics: No 50 57 49 45 41 46 30 33 48 57 Cosmetics: Base 1334 292 562 193 75 28 10 6 110 58
Figure 608: E2. Which brands have you purchased in the last 3 months? Tissues - Foreign 7 7 6 7 10 9 7 0 13 12 Tissues - Local 90 90 92 90 88 91 87 100 85 84 Solo 27 27 28 24 27 33 33 50 20 29 Selpak 14 11 13 16 20 18 27 17 15 10 Tissues - Base 1196 260 512 175 63 26 10 5 91 54 Fem Hygiene - Foreign 11 11 9 13 22 0 50 0 13 7 Kotex 9 9 7 10 19 0 50 0 9 7 Fem Hygiene - Local 87 84 90 85 76 100 50 100 86 89 Orkid 46 40 46 49 49 77 0 0 48 54 Molped 27 25 30 24 19 15 50 100 23 32 Fem Hygiene - Base 562 128 239 79 30 11 2 1 48 24 Cosmetics - Foreign 57 52 56 59 58 69 50 75 60 70 Avon 22 22 21 21 19 16 14 13 33 48 Nivea 14 11 16 13 10 13 7 13 14 3 Cosmetics - Local 40 44 43 38 40 31 50 13 36 24 Arko 11 15 11 12 3 3 7 13 14 9 Fonex 4 6 4 2 3 0 0 0 3 0 Cosmetics - Base 671 125 288 106 44 15 7 4 57 25
Figure 609: E3. Do you expect to spend more on any of these products in the next 12 months? Tissues: Yes 33 25 33 35 32 32 50 17 38 45 Tissues: Base 67 75 67 65 68 68 50 83 62 55 Fem Hygiene: Yes 21 12 24 22 28 21 30 0 25 17 Fem Hygiene: Base 79 88 76 78 72 79 70 100 75 83
Cosmetics: Yes 21 12 24 22 28 21 30 0 25 17 Cosmetics: Base 79 88 76 78 72 79 70 100 75 83
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 162
Turkey: Luxury Goods Figure 610: F1. Have you purchased goods from any of the following categories in the past 3-12 months? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Fashion: Yes 82 78 80 88 94 82 100 100 85 78 Fashion: No 18 22 20 12 6 18 0 0 15 22 Fashion: Base 952 219 394 127 53 22 6 6 74 51
Leather: Yes 33 31 28 42 38 32 50 67 32 43 Leather: No 67 69 72 58 62 68 50 33 68 57 Leather: Base 952 219 394 127 53 22 6 6 74 51 Sportswear: Yes 41 39 34 49 55 55 67 50 34 59 Sportswear: No 59 61 66 51 45 45 33 50 66 41 Sportswear: Base 952 219 394 127 53 22 6 6 74 51 Watches: Yes 14 9 12 21 25 32 50 17 14 14 Watches: No 86 91 88 79 75 68 50 83 86 86 Watches: Base 952 219 394 127 53 22 6 6 74 51 Jewellery: Yes 7 3 8 8 17 9 17 67 7 4 Jewellery: No 93 97 92 92 83 91 83 33 93 96 Jewellery: Base 952 219 394 127 53 22 6 6 74 51 Perfumes: Yes 40 26 39 51 68 59 100 100 35 33 Perfumes: No 60 74 61 49 32 41 0 0 65 67 Perfumes: Base 952 219 394 127 53 22 6 6 74 51
Figure 611: F3. If so, what brand was this / brands were these? Fashion - Foreign 29 13 27 41 48 44 35 67 25 24 Fashion - Local 67 81 70 58 52 54 65 28 66 71 Collins 9 11 9 10 10 15 6 6 6 8 Kigili 3 1 2 7 6 8 6 11 4 2 Fashion - Base 780 170 315 112 50 18 6 6 63 40 Leather - Foreign 14 4 15 25 22 8 0 0 7 0 Leather - Local 72 68 74 65 74 83 100 100 63 82 Derimond 7 1 5 8 15 8 20 40 7 5 Unbranded 33 49 33 22 7 8 40 0 30 73 Leather - Base 310 67 110 53 20 7 3 4 24 22
Sportswear - Foreign 68 56 69 74 90 88 100 80 51 50 Adidas 24 21 26 22 31 44 25 40 9 17 Nike 20 19 22 19 26 31 13 40 14 8 Sportswear - Local 28 40 27 22 7 13 0 20 34 42 Sportswear - Base 386 86 135 62 29 12 4 3 25 30 Watches - Foreign 47 40 51 28 53 71 80 100 46 56 Swatch 12 10 8 10 18 43 20 0 15 0 Watches - Local 36 50 30 52 35 29 20 0 15 44 Watches - Base 134 19 47 27 13 7 3 1 10 7 Jewellery - Foreign 6 0 5 15 0 0 0 25 0 0 Jewellery - Local 76 50 78 77 78 50 100 75 80 100 Altinbas 14 17 14 15 0 50 0 25 0 50 Atasay 16 0 22 8 22 0 0 25 20 0 Jewellery - Base 69 6 30 10 9 2 1 4 5 2 Perfumes - Foreign 39 31 33 46 55 69 71 67 33 32 Calvin Klein 7 8 7 4 10 6 29 0 3 5 Perfumes - Local 52 56 58 46 40 31 29 17 60 63 Unbranded 25 29 30 24 12 13 0 0 23 32 Perfumes - Base 380 58 153 65 36 13 6 6 26 17
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 163
Figure 612: F5. Thinking about these purchases, how much did you spend? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Fashion: Up to 50 TL 8 13 8 4 8 0 0 0 10 5 Fashion: 50 – 100 TL 24 35 22 24 22 11 0 0 17 23 Fashion: 100 – 200 TL 26 27 27 23 16 33 17 17 27 30 Fashion: 200 – 300 TL 16 15 15 18 18 6 33 50 14 15 Fashion: More than 300 TL 20 8 23 31 32 51 50 34 16 3 Fashion: Mean Exp TL 234 151 236 261 328 447 675 475 228 176 Leather: Up to 50 TL 11 18 9 9 15 0 0 0 4 18 Leather: 50 – 100 TL 28 39 30 23 15 14 33 0 25 23 Leather: 100 – 200 TL 25 18 27 28 30 29 0 50 33 14 Leather: 200 – 300 TL 14 7 17 23 20 14 0 0 4 0 Leather: More than 300 L.E 10 2 9 12 10 42 33 50 8 0 Leather: Mean Exp TL 170 108 174 174 219 439 663 375 146 77 Sportswear: Up to 50 TL 13 17 14 8 3 0 0 0 28 17 Sportswear: 50 – 100 TL 34 50 39 23 17 50 0 0 20 20 Sportswear: More than 100 TL 44 25 42 64 75 49 100 100 36 27 Sportswear: Mean Exp TL 134 90 123 145 202 246 538 283 100 109 Watches: Up to 50 TL 23 26 32 30 15 0 0 0 0 14 Watches: 50 – 100 TL 22 42 17 26 8 0 0 0 30 29 Watches: More than 100 TL 44 27 45 36 61 100 99 100 30 42 Watches: Mean Exp TL 236 124 174 159 302 757 700 250 296 321 Jewellery: Up to 50 TL 6 0 3 10 11 0 100 0 0 0 Jewellery: 50 – 100 TL 13 33 20 0 11 0 0 0 0 0 Jewellery: 100 – 200 TL 6 0 7 10 0 0 0 0 20 0 Jewellery: 200 – 300 TL 10 17 7 10 11 0 0 50 0 0 Jewellery: More than 300 TL 51 34 43 70 55 100 0 50 60 100 Jewellery: Mean Exp TL 560 360 616 498 544 1250 25 525 563 425
Perfumes: Up to 50 TL 48 66 53 42 44 8 17 17 38 47 Perfumes: 50 – 100 TL 27 16 28 32 31 31 17 17 35 18 Perfumes: More than 100 TL 18 12 10 24 17 61 67 67 16 12 Perfumes: Mean Exp TL 80 53 61 88 70 317 200 167 71 71
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 164
Figure 613: F6. Are you planning to purchase any goods from these categories in next 12 months? FASHION
Figure 614: F6. Are you planning to purchase any goods from these categories in next 12 months? LEATHER
7481 83
91 91100
83
0
20
40
60
80
100Le
ss th
an10
00
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
2226 27
38
4550
33
0
10
20
30
40
50
60
Less
than
1000
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 615: F6. Are you planning to purchase any goods from these categories in next 12 months? WATCHES
Figure 616: F6. Are you planning to purchase any goods from these categories in next 12 months? JEWELLERY
11 11 11
21
32
17
33
0
10
20
30
40
Less
than
1000
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
6 6 6
19
1417
33
0
10
20
30
40
Less
than
1000
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
Figure 617: F6. Are you planning to purchase any goods from these categories in next 12 months? PERFUMES
Figure 618: F6. Are you planning to purchase any goods from these categories in next 12 months? SPORTSWEAR
2636
47
64
50
83 83
0
20
40
60
80
100
Less
than
1000
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
3540
47
60
7383
50
0
20
40
60
80
100
Less
than
1000
1001
-20
00 T
L
2001
-30
00 T
L
3001
-50
00 T
L
5001
-70
00 T
L
7001
-10
.000 T
L
Abov
e10
.000 T
L
% o
f res
pond
ents
Source: Credit Suisse Emerging Consumer Survey Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 165
Turkey: Technology and Internet Figure 619: G1/ H1 / H2. Personal computer, Mobile phone, and Smartphone penetration
Computers
Phones
Smart Phones
0%
20%
40%
60%
80%
100%
1000 1500 2500 4000 6000 8500
Income (TL)
Electronic Ownership (% of households)
Source: Credit Suisse Emerging Consumer Survey
Figure 620: G4. Which of the following electronics products/services are you most likely to purchase in the next 12m? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000 TL
More than 10000 TL
Would prefer not to
answer
D.K
Blu-Ray Player 0 0 0 1 0 0 0 20 0 0 Camcorder 1 1 1 0 0 0 0 0 0 0 Desktop computer 4 4 3 6 0 15 0 0 6 10 Digital Camera 4 2 4 4 5 0 0 0 6 6 DVD Player 1 0 1 1 0 4 0 0 1 0 E-Reader 0 0 0 1 0 0 0 0 1 2 Gaming facility 1 1 0 2 4 4 10 0 2 3 GPS/Navigation 1 0 0 0 1 4 0 0 1 3 Internet Service 1 1 1 1 0 4 0 0 1 0 Mobile Phone 6 6 4 7 8 0 10 0 4 13 Smartphone 4 2 3 7 9 15 0 20 4 6 MP3 1 0 1 2 0 0 0 0 1 2 Netbook 2 2 2 4 6 4 20 0 1 2 Notebook PC 7 8 6 9 6 4 10 40 5 5 Stereo HiFi 0 0 0 1 3 0 0 0 0 0 Traditional TV 0 0 0 2 0 0 0 0 0 0 LCD TV 12 13 13 13 10 15 0 40 9 10 Flat screen TV 1 0 1 3 1 0 0 0 0 0
Tablet 4 2 3 5 10 7 20 20 1 5
None of these 66 69 68 61 57 59 50 40 67 65
Figure 621: G6. Which brand of TV (LCD Flat screen) are you most likely to purchase? Samsung 23 11 26 20 38 50 0 100 15 33 Vestel 15 32 7 16 0 25 0 0 23 0 LG 13 5 13 20 13 25 0 0 15 17 Sony 10 13 7 4 38 0 0 0 15 17 Philips 7 8 6 12 0 0 0 0 0 17 Arcelik 7 8 8 4 0 0 0 0 15 0 Base : Unwtd 168 38 72 25 8 4 0 2 13 6
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 166
Figure 622: l6. What services have you used in the last 6 months?
4027
1417
39
71
21
4257
8
25 29
83 8371
4735
43
7 110
0
20
40
60
80
100
Low Income Medium Income High Income
% o
f res
pond
ents
Gaming
Banking
Shopping
Travel
Social Network
Messaging
Gambling
Figure 623: I1. Do you have access to the Internet? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Yes 51 27 49 72 85 89 100 78 47 37 No 49 73 51 28 15 11 0 22 53 63
Figure 624: I1.1. If so, do you have broadband access already, or expect to have it within 12 months? Yes 89 88 88 92 94 100 90 86 83 83 No 6 6 6 4 3 0 10 0 13 4 Don’t know 5 6 6 5 3 0 0 14 4 13
Figure 625: I3. Which is your Internet Service provider? TTNet 79 74 80 77 78 76 90 57 84 83 Smile 2 2 1 3 3 8 0 0 1 0 Superonline 5 11 3 5 6 8 10 29 3 4 Kablonet 2 2 1 3 6 0 0 0 0 0 Uydunet 4 4 5 3 1 0 0 0 4 0 Turkcell / Vinn 3 0 4 3 3 8 0 14 1 0 Base : Unwtd 733 81 293 154 69 25 10 7 70 24
Figure 626: I11. How do you think your purchasing on the internet is likely to change in the next 6 months? More 9 2 6 10 17 16 10 0 10 12 The same 75 80 72 79 72 68 80 86 73 75 Less 17 18 21 11 10 16 10 14 17 13 Base : Unwtd 733 81 293 154 69 25 10 7 70 24
Figure 627: I4. What is your most frequently used search engine? Google 93 89 91 95 97 100 100 100 94 92 MSN 1 1 1 1 1 0 0 0 1 0 Yahoo 0 0 0 1 0 0 0 0 0 0 Others 1 0 1 1 1 0 0 0 1 0 Base : Unwtd 733 81 293 154 69 25 10 7 70 24
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 167
Turkey: Telecommunications Figure 628: H1. Do you currently own and use a handset for personal use? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Yes, I pay for it 85 85 84 87 86 96 90 71 90 83 Yes, employer pays 3 1 4 5 3 0 0 14 1 8 Yes, somebody else pays 6 7 7 4 10 4 10 0 3 8 No, I do not 5 7 5 3 1 0 0 14 6 2 Base : Unwtd 1395 289 576 203 80 27 10 7 140 63
Figure 629: H3. What brand is your current mobile handset? Apple 5 3 4 6 11 19 10 17 5 6
Nokia 55 59 57 52 42 52 50 50 58 40
Samsung 25 26 24 27 30 11 0 0 21 32
Base : Unwtd 1326 268 546 197 79 27 10 6 131 62
Figure 630: H8. How much do you spend, on average, on mobile telephone bills per month? Up to 50 TL 76 90 78 64 65 56 70 33 73 60 51 – 60 TL 11 4 10 16 11 15 10 33 15 10 61 – 80 TL 4 1 4 10 8 7 0 0 2 2 81 – 100 TL 3 1 3 4 6 7 0 17 2 2 Over 101 TL 3 0 2 4 7 15 20 17 3 4 Base : Unwtd 1326 268 546 197 79 27 10 6 131 62
Figure 631: H11. Do you plan to upgrade to a Smartphone in the next 12 months? Yes 35 16 37 59 59 67 0 0 8 50 No 65 84 63 41 41 33 100 0 92 50 Base : Unwtd 215 38 99 27 17 3 2 0 25 4 Figure 632: H12. Which brand of Smartphone handset will you buy? Apple 23 23 20 22 31 25 33 75 18 31 Blackberry 4 0 4 9 6 0 0 0 3 0 Nokia 30 25 40 33 8 8 17 25 38 13 Samsung 17 8 15 21 36 33 0 0 15 6 Base : Unwtd 354 52 136 58 36 12 6 4 34 16
Figure 633: H8. How much do you spend, on average, on mobile telephone bills per month?
9078
64 65 5670
33
1016 11
1510
33
10 87 17
15 20 17
0%
20%
40%
60%
80%
100%
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
Income Bracket
Up to 50 TL 51-60 TL 61-80 TL 81-100 TL Over 101 TL
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 168
Turkey: Travel Figure 634: J1/J6. Have you been / Are you planning to go on holiday in the last / next 12 months?
12
28
4959 64
90 89
2136
58
75 7990
100
0
20
40
60
80
100
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f hou
seho
lds h
olid
ayin
g
Income Bracket
Taken holiday in the last 12 months Planning to take holiday in the next 12 months
Source: Credit Suisse Emerging Consumer Survey
Figure 635: J2. Where did you go on your last holiday? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
At home 1 0 1 0 0 6 0 0 5 6 Elsewhere in the country 95 100 96 97 96 72 100 88 93 94 International destination 4 0 3 3 4 22 0 13 2 0 Base : Unwtd 451 36 167 106 47 18 9 8 42 18
Figure 636: J4. What was the main form of transport that you used to reach you holiday destination? Car 38 36 38 35 47 29 44 88 25 59 Bus 44 56 45 47 32 6 56 0 60 35 Train 0 0 1 0 0 0 0 0 0 0 Ship 1 0 1 2 2 0 0 0 0 0 Aeroplane 13 3 11 12 17 65 0 13 13 6 Other 3 6 4 4 2 0 0 0 3 0 Base : Unwtd 445 36 165 106 47 17 9 8 40 17
Figure 637: J7. Where are you planning to go for your next holiday? At home 2 3 2 2 0 5 0 0 0 33 Elsewhere in the country 92 94 95 90 92 77 89 89 94 67 International destination 5 3 2 7 8 18 11 11 6 0 Base : Unwtd 560 62 216 125 60 22 9 9 51 6
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 169
Turkey: Property Figure 638: K1. Do you or your family live in your own property? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Yes 63 59 59 71 77 85 88 100 61 68 No 37 41 41 29 23 15 13 0 39 32 Base : Unwtd 1346 303 554 188 75 20 8 8 127 63
Figure 639: K2. If you do not own your own property, on what terms do you occupy the property? Rented 93 92 92 98 94 67 100 0 98 100 Mortgaged 1 2 1 0 0 0 0 0 0 0 Borrowed 4 5 5 2 6 0 0 0 0 0 Base : Unwtd 499 125 228 55 17 3 1 0 50 20
Figure 640: K3. What is the market value of the property? Under 50’000 TL 6 17 2 1 2 6 0 0 8 5 50’000 – 70’000 TL 15 19 16 8 9 0 0 0 25 14 70’000 – 100’000 TL 25 25 34 24 16 6 0 0 16 7 100’000 – 150’000 TL 20 12 24 29 26 24 29 0 16 7 More than 150’000 TL 18 8 14 32 47 53 57 90 3 6 Mean 116571 83077 107466 137339 162982 167333 258333 353571 90096 136176 Base : Unwtd 847 178 326 133 58 17 7 8 77 43
Figure 641: K6. If you are planning to purchase a property in the next 2 years, what is the main motivation for doing so? Upgrade 19 25 17 14 29 29 0 0 13 40 First-time home 52 56 70 55 29 0 25 0 63 20 Investment 22 6 4 27 36 71 75 100 25 20 Change of location 2 0 4 0 0 0 0 0 0 0 Holiday property 0 0 0 0 0 0 0 0 0 0 Base : Unwtd 124 16 46 22 14 7 4 2 8 5
Figure 642: K9. How, if at all, do you expect local property prices to change in the next 12 months? Increase 30 42 25 34 47 55 38 50 17 14 About the same 37 26 40 41 36 25 38 38 43 38 Decrease 18 17 22 13 12 5 25 13 10 21 Base : Unwtd 1346 303 554 188 75 20 8 8 127 63
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 170
Figure 643: K5. Do you or your household intend to purchase a property in the next 2 years?
8 12 1935
5025
95 92 88 8165
5075
0%
20%
40%
60%
80%
100%
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
No
Yes
Source: Credit Suisse Emerging Consumer Survey
Figure 644: K4 & K7 – Property Financing: ALL CASH
52
39 41 38
59 57
38
13 15 14
43
2925
50
0
10
20
30
40
50
60
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 645: K4 & K7 – Property Financing: CASH + CREDIT
22
41 4152
2414
25
50
63
77
50
71
25
50
0
20
40
60
80
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
Figure 646: K4 & K7 – Property Financing: ALL CREDIT
25 5
30
14 13
19
13
5
0 0
25
00
5
10
15
20
25
30
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TL
% o
f res
pond
ents
CurrentHouseFinancing
FutureHouseFinancing
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 171
Turkey: Education Figure 647: L1. What type of education institution do/will your children attend? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Public 85 92 86 80 72 38 0 50 90 89 Private 4 0 1 7 12 50 100 50 4 0 None of these 11 8 13 13 16 13 0 0 6 11 Base : Unwtd 490 118 210 56 25 8 2 2 50 19
Figure 648: L2. Do your children currently participate in any study or courses outside of normal school activities? Yes 26 24 24 29 48 63 50 0 24 16 No 74 76 76 71 52 38 50 100 76 84 Base : Unwtd 490 118 210 56 25 8 2 2 50 19
Figure 649: L4. Do you yourself currently participate in any adult continuing education? Yes 8 9 6 10 13 14 22 11 7 9 No 92 91 94 90 87 86 78 89 93 91 Base : Unwtd 1390 306 562 205 71 21 9 9 143 64
Figure 650: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months? More 7 6 6 12 8 14 22 44 3 3 About the same 79 77 81 77 75 67 78 56 84 86 Less 13 17 12 11 17 19 0 0 13 11 Base : Unwtd 1390 306 562 205 71 21 9 9 143 64
Figure 651: L6. Do you intend to spend more, or less, on education or training courses in the next 12 months?
6 6
128
14
22
44
1712 11
17 19
0 00
10
20
30
40
50
Less than 1000 1001 - 2000 TL 2001 -3000 TL 3001 -5000 TL 5001 -7 000 TL 7 001 -10.000 TL Above 10.000 TLSpen
ding
on
educ
atio
n &
trai
ning
in
the
next
12
mon
ths
(% o
f ho
useh
olds
)
Income bracket
More Less
Source: Credit Suisse Emerging Consumer Survey
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 172
Turkey: Healthcare Figure 652: M1. Does your household have access to free or partially-free healthcare from the State? % of respondents (by income bracket)
Total Less than
1000 TL
1001 TL – 2000
TL
2001 TL – 3000
TL
3001 TL – 5000
TL
5001 TL – 7000
TL
7001 TL – 10000
TL
More than
10000 TL
Would prefer not to
answer
D.K
Yes 86 83 89 89 92 87 89 71 83 61 No 14 17 11 11 8 13 11 29 17 39 Base : Unwtd 1320 284 550 184 62 23 9 7 139 62 Figure 653: M2. What services, if any, could you get free from the state? Hospital 97 98 98 99 100 90 100 100 97 74 Emergency Room 66 74 65 68 61 50 63 40 60 45 Prescriptions 66 74 63 66 53 60 88 80 75 47 Vaccinations 29 30 27 31 25 30 38 0 40 11 Diagnostic Tests 37 46 35 37 32 30 38 40 42 16 Base : Unwtd 1131 235 489 164 57 20 8 5 115 38
Figure 654: M8. Is anyone in your household a regular purchaser of medicines (more than one item per month)? Yes 16 25 15 14 13 26 33 29 9 13 No 84 75 85 86 87 74 67 71 91 87 Base : Unwtd 1320 284 550 184 62 23 9 7 139 62
Figure 655: M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? More 18 23 19 18 13 22 0 43 6 10 Same 66 63 64 67 69 65 89 57 76 73 Less 16 13 17 15 18 13 11 0 18 18 Base : Unwtd 1320 284 550 184 62 23 9 7 139 62
Figure 656: M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Won’t pay extra 74 83 73 70 76 74 89 71 73 50
1-10% extra 14 8 13 16 8 13 11 14 17 34
11-20% extra 9 7 10 9 11 13 0 14 7 15
21-30% extra 2 1 3 3 3 0 0 0 2 0
More than 30% extra 1 0 1 2 2 0 0 0 1 2 Base : Unwtd 1320 284 550 184 62 23 9 7 139 62
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 173
Appendix: Methodology The Credit Suisse Emerging Market Consumer Survey was carried out by the global marketing firm, AC Nielsen in Q3 2012. This builds upon and expands work undertaken by Credit Suisse in the Emerging Consumer Survey (published in both 2012 and 2011) and the China Consumer Survey (published annually since 2005).
This survey was conducted across eight emerging countries: China, India, Russia, Brazil, Saudi Arabia, South Africa, Turkey and Indonesia. The data set consists of more than 2,500 successful interviews in both China and India and more than 1,500 in the other six countries.
The interviews were conducted across several cities and rural areas in each country, with urban respondents accounting for roughly 70% of the interviews and rural respondents making up the balance, except for Saudi Arabia, where the breakdown was approximately 90:10. A gender split of 50% male and 50% female was the aim throughout the markets.
The survey adopted a face-to-face interviewing method for all respondents, with interviews taking place on the street and in people’s homes. While cross-region consistency was the aim in constructing the survey from the outset, the questionnaires were adjusted slightly to account of local factors in each country with the surveyor guiding the interviewee through the process from start to finish. Screening questions were asked of respondents willing to cooperate. Qualified respondents continued to the main questionnaire.
Only fully complete interviews were accepted as successful interviews. Samples were distributed to make the survey representative of the national population, and respondents were thus spread over a range of income brackets, ages, professions, and educational levels.
Those who work for (or have family members or close friends working for) marketing, market research, media or PR companies were disqualified from the survey. Similarly, those working in industries related to the questions we were asking skipped the corresponding section. In any instance where a family member did not control household finances, but still made purchasing decisions, they were still classed as a consumer and surveyed.
Interviews were carried out throughout the week, with different sections of the population ‘targeted’ depending on the time of day, thereby ensuring a representative sample. Doing so ensured a biased proportion of employed or unemployed participants were not surveyed. Depending on the number of sections relevant to each surveyee the length of the questionnaire was between 25-35 minutes.
January 2013
Credit Suisse Emerging Consumer Survey Databook 2013 Source: Credit Suisse Emerging Consumer Survey 2013 174
Appendix: Questionnaire Note: Questions specific to certain countries have been highlighted as such. Screening
Q1. Country Q2. Urban / Rural Area Q3. City/Area A1. Have you participated in any type of market research in the last 1 month? A2. Are you a resident in this city/town? A5. Record respondent gender A6. Could you please tell me your age? A7. Record exact age: A8. Do you or any of your direct family members work in the following industries? A9. How many people live in your household? (India only question) AI1. How many people in the household work? (India only question) AI2. How many people in the household commute to work? A10. What is your marital status? A11. Are there any children under 18 in the household? A12. If so, how many? A14. Who is the main financial decision maker in your household? A15. In your opinion is now a good time to make a major purchase? A16. Do you think the state of your own personal finances over the next 6 months will be better, worse or about the same? Automobiles B1. Does your household currently own a car that is driven for personal use? B2. And does your household own a motorcycle / 2-wheeler for personal use? B3. If yes, how many cars do you own in your household? B4. What brand is the car your household last purchased? B5. How long ago did you purchase this car? B6. How much did you pay for it? B7. How did you finance it? B9. Thinking about the car you had before this on. How long did you own this? B10. Will you or your family purchase or replace a passenger car in the next 12 months? B11. Thinking about the car you will purchase, will it be a new or used car? B13. What type of car engine are you likely to buy? B14. Which style of car do you intend to buy? B15. Which car brand are you most likely purchase? B16. How do you plan to finance this car purchase? (Turkey only question) BT1. Which of the following statements comes closest to your opinion on choosing your new car? B17. How much do you plan to spend on the car you are planning to purchase? (Indonesia only question) B18. How many motorbikes do you own in your household? (Indonesia only question) B19. What brand is the motorbike your household last purchased? (Indonesia only question) B20. How long ago did you purchase this motorbike? (Indonesia only question) B21. How much did you pay for it? (Indonesia only question) B22. How did you finance it? (Indonesia only question) B24. Thinking about the motorbike you had before the one we were just talking about. How long did you own it for? (Indonesia only question) B25. Will you or your family purchase or replace a motorbike in the next 12 months? (Indonesia only question) B26. Thinking about the motorbike you will purchase, will it be a new or used motorbike? (Indonesia only question) B28. Which motorbike brands are you most likely to purchase? (Indonesia only question) B29. How do you plan to finance this motorbike purchase?
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(Indonesia only question) B30. How much do you plan to spend on the motorbike you or your household is planning to purchase?
Food and Beverages C1. Have you purchased any of these products in the last 3 months? - Carbonated drinks, Beer, Water, Spirits, Dairy products, Instant noodles, Cigarettes? C2. Which brand of this product have you purchased in the last 3 months? - Carbonated drinks, Beer, Water, Spirits, Dairy products, Instant noodles, Cigarettes? C3. Do you expect to spend more on any of these products in the next 12 months? - Carbonated drinks, Beer, Water, Spirits, Dairy products, Instant noodles, Cigarettes? C4. What % of your diet is made up of meat? C5. Do you intend to spend more or less on meat consumption over the next 12 months? (Turkey only question) CT1. How would you say the amount that you eat out (e.g. in restaurants and cafes) has changed over the last 12 months? (Brazil only question) CB1. Have you increased your purchasing of ready meals in the past 12 months? (Brazil only question) CB2. Why have you increased your purchasing of ready meals in the past 12 months? (Brazil only question) CB3. Do you intend to increase your consumption of ready meals in the next 12 months? (Russia only question) CR1. Where would you predominantly purchase your groceries from? (Russia only question) CR2. Why do you purchase your groceries here? (Russia only question) CR3. Which of the following stores do you purchase your groceries from most frequently? Luxury Goods F1/F2. Have you purchased goods from any of the following categories in the past 3 months? - Fashion, Leather goods, Sport shoes & wear, Watches, Jewellery, Perfumes? F3/F4. If so, what brand(s) was/were this/these? - Fashion, Leather goods, Sport shoes & wear, Watches, Jewellery, Perfumes? F5. Thinking about these purchases, how much did you spend on these? F6. Are you planning to purchase any goods from these categories in next 12 months? - Fashion, Leather goods, Sport shoes & wear, Watches, Jewellery, Perfumes? F7. If so, what brand(s)? - Fashion, Leather goods, Sport shoes & wear, Watches, Jewellery, Perfumes? F8. In your opinion are any of the following brands worth paying more for? - Fashion, Leather goods, Sport shoes & wear, Watches, Jewellery, Perfumes? Technology G1. How many computers do you have at home for your personal use? G2. Which of the following products/services have you purchased in the last 12 months? G4. Which of the following products/services are you likely to purchase in the next 12 months? G5. Which brand of PC are you most likely to purchase? G6. Which brand of TV (LCD Flat screen) are you most likely to purchase? (India only question) GI1. How many hours of power supply does your household receive every day? (India only question) GI2. Do you actually have access to DTH (direct-to-home) or Cable? (India only question) GI3. Do you plan to have access to DTH (direct-to-home) or Cable in the next 12 months? (Brazil only question) GB1. What are the two most important factors in choosing a retailer when buying durable goods like electronics and technology products? - 1st and 2nd. Telecoms H1. Do you currently own and use a handset for personal use? H2. Is it a Smartphone? H3. What is the brand of your current mobile handset? H4. Have you bought a handset in the last 12 months?
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H6. Which mobile operator are you using? H7. Why did you choose your current operator? H8. How much do you spend on average on mobile telephone bill per month? H9. How long have you had your current handset? H10. When do you plan to change/or buy for the 1st time your mobile handset? H11. Do you plan to upgrade to Smartphone in the next 12 months? (China only question) HC1. Is your next handset likely to be a 3G handset? H12. Which brand of handset will you buy? H14. What is the main reason for buying a Smartphone? (China only question) HC15. Interest about mobile phone features – Digital Camera, MP3, Mobile TV, Internet Browsing, Email, Wi-Fi, GPS Internet I1. Do you have access to the Internet? I1.1. Do you have broadband access already or expect to have it within 12 months? I3. Which is your internet Service provider? I4. Which is your most frequently used search engine? I6. What services have you used on Internet in the last 6 months? (China only question) IC1. What is the main reason for you choosing your favourite e-commerce website? (China only question) IC2. What is the best way to search for information about a specific item you are planning to purchase? (China only question) IC3. What is your most frequently used payment method for e-commerce? I7. Have you purchased any of these categories online in the last 6 months? - Online games, Clothes, Computers, Mobile phone, Books, DVDs/CDs, Electronics I8. How much on average have you spent in this category online in the past 6 months? I9. And which sites do you use? I11. How do you think your purchasing on the internet is likely to change in the next 6 months? Travel J1. Have you been on holiday in the last 12 months? J2. Where did you go on your last holiday? J4. What was the main form of transport that you used to reach you holiday destination? J5. Which airline company did you travel with? J6. Are you planning to go on holiday in next 12 months? J7. Where are you planning to go for your next holiday? Property K1. Do you or your family own a property? (China only question) KC1. How did you or your family buy the property you own? K2. On what terms do you occupy the property? K3. What is the market value of your property? K4. How did you finance it? (China only question) KC2. What is the percentage of price financed by credit? (China only question) KC3. What is the price of the last property you bought? K5. Do you or your household intend to purchase a property in the next 2 years? K6. Why is the main reason? (China only question) KC4. What is the size of the property that your plan to purchase? (China only question) KC5. What is your budget for the property you plan to purchase? K7. How do you intend to finance it? K9. How, if at all, do you expect local property prices to change in the next 12 months? Education L1. What type of education institution do/will your children attend? L2. Do your children participate in any study / courses outside of normal school activities? L5. Do you yourself currently participate in any adult continuing education?
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L6. Do you intend to spend more, or less, on education / courses in the next 12 months? Healthcare M1. Does your household have access to free or partially-free healthcare from the State? M8. Is anyone in your household a regular purchaser of medicines? M9. Thinking about the person who purchases the most medicine in your household, how much on average do they spend each month? M10. And thinking about the person who spends the most on medicine in your household, what percentage of medicine brands bought were chosen by – The doctor, The pharmacist, The patient? M11. And thinking about the person who spends the most on medicine in your household, do they – Pay the full cost, Pay part of the cost, Medication is free? M12. Thinking now about everyone in your household, would you expect to be spending more or less on medicines over the next 12 months? M13. How much extra would you be willing to pay for an international medicine brand, rather than a locally produced product? Income and Other N1. What savings or investment channels, if any, does your household use to save money? N2. What’s your total AFTER tax monthly income of your household divided by 12 months? N3. To what extent has your household income changed in the last 12 months? N4. In what way do you expect your household income to change in the next 12 months? N4a. What do you expect will happen to inflation (the price of goods and services) in the next 12 months? N5. What proportion of your spending is done via credit card N6. How do you think your purchases on credit card are likely to change in the next 12m? N7. On average, how much does your household spend on each of the following items? Housing, Auto, Education, Food, Home & Personal Care, Healthcare, Savings, Entertainment, Public Utilities N8. What do you do as a job? N9. Could you please tell me your highest achieved education level? N10. How effective is your government at solving problems that relate to you?
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About the survey This report has been produced using market research gathered by AC Nielsen. This has given the Credit Suisse Research Institute the ability to conduct a consistent multi-region survey while also incorporating questions specific to the countries surveyed in the report.
AC Nielsen is a leader in data measurement and information across a wide range of industries and regions. Their expertise has complemented the analysis the Research Institute has conducted in this report. Nielsen’s input has helped develop a more complete view of the competitive consumer landscape across emerging markets.
AC Nielsen was founded in 1923 by Arthur C. Nielsen, Sr., who invented an approach to measuring competitive sales results that established the concept of “market share” as a practical management tool. For nearly 90 years, they have advanced the practice of market research and audience measurement for the benefits of their clients in a constantly evolving marketplace.
Nielsen has a presence in approximately 100 countries, and holds positions within established and emerging markets. Their operating model is grounded in a simple, open and integrated approach that delivers a broad portfolio of services and solutions for their clients.
The Credit Suisse Research Institute would like to thank AC Nielsen for their invaluable assistance in this project.
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PUBLISHERCREDIT SUISSE AGResearch InstituteParadeplatz 8CH-8070 ZurichSwitzerland
PRODUCTION MANAGEMENTGLOBAL RESEARCH EDITORIAL & PUBLICATIONSMarkus Kleeb (Head)Ross HewittKatharina Schlatter
AuthorsMujtaba RanaKiranjot GrewalRichard KersleyMary Curtis
Editorial deadline8 January 2013
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