This document provides a summary of the Baltic household outlook for April 2014. It discusses topics such as wage and income growth, price changes over 10 years, evaluations of financial situations, income distribution and inequality, housing loan portfolios, non-performing loans, financial vulnerability, savings and investments. The document contains contributions from household experts in Estonia, Latvia and Lithuania on these topics as they relate to the respective countries. Charts and figures are presented alongside analysis to illustrate trends over time.
SEB bankas Baltijas mājsaimniecību apskatsSEB banka
Pērn Baltijas valstis bija vienas no visstraujāk augošajām ekonomikām Eiropas Savienībā. Šogad Latvija un Lietuva joprojām turpināja uzrādīt būtisku izaugsmi, savukārt Igaunijas ekonomikas izaugsme apstājās pirmajā pusē 2013.
Obstacles to finance future demand for residential real estateLatvijas Banka
2015. gada 20. oktobrī norisinājās konference “Starptautiskās investīcijas nekustamajā īpašumā Latvijā 2015”. Tajā ar prezentāciju "Obstacles to finance future demand for residential real estate" piedalījās arī Latvijas Bankas ekonomiste Olga Lielkalne.
The Covid-19 pandemic is affecting everyone around the globe and leaves none of us untouched. However, much of the focus in international media has been on the most affected countries and richer countries in East Asia, the European Union and the United States with less attention given to countries around the Baltic Sea, in Eastern Europe and the Caucasus. Since the FREE Network includes research and policy institutes in Belarus (BEROC), Latvia (BICEPS), Russia (CEFIR@NES), Poland (CenEA), Georgia (ISET), Ukraine (KSE) and Sweden (SITE), we are uniquely placed to provide a comprehensive regional perspective on the pandemic with examples of very different strategies implemented in the countries concerned.
In this presentation experts from FREE NETWORK provide a first overview of how countries in the region have fared in the pandemic and allow for a better understanding of what governments have done, how people have responded, how other countries are being portrayed in the national media, and what the current discussions focus on.
For more information please visit our website: https://freepolicybriefs.org/
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
On 11 September, Anne Nolan presented the key findings for the 'Gender, pensions and income in retirement' report. The report is available to download here: https://www.esri.ie/publications/gender-pensions-and-income-in-retirement
SEB bankas Baltijas mājsaimniecību apskatsSEB banka
Pērn Baltijas valstis bija vienas no visstraujāk augošajām ekonomikām Eiropas Savienībā. Šogad Latvija un Lietuva joprojām turpināja uzrādīt būtisku izaugsmi, savukārt Igaunijas ekonomikas izaugsme apstājās pirmajā pusē 2013.
Obstacles to finance future demand for residential real estateLatvijas Banka
2015. gada 20. oktobrī norisinājās konference “Starptautiskās investīcijas nekustamajā īpašumā Latvijā 2015”. Tajā ar prezentāciju "Obstacles to finance future demand for residential real estate" piedalījās arī Latvijas Bankas ekonomiste Olga Lielkalne.
The Covid-19 pandemic is affecting everyone around the globe and leaves none of us untouched. However, much of the focus in international media has been on the most affected countries and richer countries in East Asia, the European Union and the United States with less attention given to countries around the Baltic Sea, in Eastern Europe and the Caucasus. Since the FREE Network includes research and policy institutes in Belarus (BEROC), Latvia (BICEPS), Russia (CEFIR@NES), Poland (CenEA), Georgia (ISET), Ukraine (KSE) and Sweden (SITE), we are uniquely placed to provide a comprehensive regional perspective on the pandemic with examples of very different strategies implemented in the countries concerned.
In this presentation experts from FREE NETWORK provide a first overview of how countries in the region have fared in the pandemic and allow for a better understanding of what governments have done, how people have responded, how other countries are being portrayed in the national media, and what the current discussions focus on.
For more information please visit our website: https://freepolicybriefs.org/
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
On 11 September, Anne Nolan presented the key findings for the 'Gender, pensions and income in retirement' report. The report is available to download here: https://www.esri.ie/publications/gender-pensions-and-income-in-retirement
Should we forget about ‘the older consumer’? An expert roundtable on market s...ILC- UK
In an ageing society, understanding and engaging with ‘the older consumer’ is of pressing interest for businesses who want to realise the potential of the market. But it is not an easy market to understand or describe.
A key issue to be addressed by marketers is to avoid a homogenisation of older people. The diversity of consumer spending of this group is often lost in ageist perceptions of ‘what older people want’. Despite this however, it remains to be seen if the commonalities of ageing – such as wealth depletion and physiological changes – nudge older people to gravitate to a norm.
In Dec 2010, ILC-UK and the Personal Finance Resource Centre (PFRC) at the University of Bristol published a report which explored what and how older people spent their income (Consumption Patterns Among Older Consumers). The evidence from this report fed into the ILC-UK report for Age UK on older consumers (The Golden Economy).
ILC-UK and PFRC have teamed up again to further explore issues around consumption and old age, funded by the Economic and Social Research Council Secondary Data Analysis Initiative. At this seminar we presented new evidence which explores patterns of expenditure among older people and considers what explains these.
During the seminar we:
Considered how our spending varies as we age, including setting out average and overall spending by age group;
Segmented older households based on their patterns of expenditure;
Considered the validity of a single ‘older consumer’ model.
Changes in economic environment. Macro overview and outlook for 2013-2014 Mārtiņš Pakulis
A presentation by Mārtiņš Kazāks about «Changes in economic environment. Macro overview and outlook for 2013-2014.»
Presented on 27th March, 2013 in Riga Business School.
This was the final event in the Population Patterns Seminar Series which explored the “silver separators”- divorce later in life.
Figures from the Office for National Statistics published in 2012 showed a huge rise in the divorce rate amongst those in their 60s, with an increase of 58% on the 2011 figure. The last 10 years have seen more and more older people part ways, despite divorce amongst the general population becoming less common. This has happened to such an extent that the over 60’s are now the fastest growing divorce group in the UK.
A variety of reasons have been suggested, including a reduction in the stigma surrounding divorce and couples no longer feeling obliged to stay together if their attitudes and needs change.
However, figures released by the ONS in June 2012 revealed that marriages involving older people were also rising faster than for other age groups – up by 21% for women and by 25% for men in their late sixties. Re-partnership is likely to be even higher than these figures suggest, as older people in a new relationship may not choose to remarry.
During the event the discussion explored a number of themes, including:
What factors have contributed to the rising rate of divorce amongst the over 60s?
How can older people’s relationships be better supported?
What challenges does ageing present to relationships?
How do care responsibilities effect relationships?
What are the potential ramifications of older couples separating?
Baltijas valstu mazie un vidējie uzņēmumi nākotnē raugās ar optimismu, vērtējot ekonomikas un uzņēmējdarbības vides attīstību. Tas skaidrojams ar to, ka Baltijas valstu reģions kļūst arvien izturīgāks pret Eiropas ekonomikas svārstībām, liecina SEB bankas veiktā mazo un vidējo uzņēmumu aptauja Igaunijā, Latvijā un Lietuvā.
Ekonomija, ko ilgtermiņā sniedz iespēja ietaupīt uz degvielas rēķina, ir noteicošais faktors vairāk nekā pusei (54%) aptaujāto respondentu. Lai gan, iegādājoties automašīnu, iedzīvotāju izvēlē arvien dominē universālās un apvidus automašīnas, pēdējo trīs gadu laikā ir vērojams pakāpenisks pieaugums videi draudzīgāko automašīnu iegādē. Salīdzinot ar 2011. gadu, kad Latvijā tika nopirktas nedaudz vairāk nekā 2000 „zaļās” automašīnas, 2013. gadā to skaits ir dubultojies, sasniedzot turpat 5 tūkstošus.
Kopsavilkums par Igaunijas nacionālo pāreju plānu.SEB banka
Marika Merilai, Igaunijas tirgotāju asociācijas vadītāja. Komunikācija un sadarbība kā eiro ieviešanas plāna svarīga sastāvdaļa. Eiro ieviešanas ietekme uz biznesu Igaunijā. Iegūtā pieredze.
2011. gada otrajā pusē Austrumeiropas, tostarp Centrāleiropas, ekonomikās aizsākās izaugsmes palēnināšanās. Tomēr, kā prognozēts, Krievija un Polija ir spējušas saglabāt izaugsmi arī valdošās nenoteiktības apstākļos. Šogad un nākamgad visās sešās Austrumeiropas apskatā aplūkotajās valstīs izaugsme būs zemāka par potenciāli iespējamo – arī Baltijas valstīs šogad sagaidāma ievērojami zemāka izaugsme, bet 2013. gadā tā paātrināsies.
SEB Baltic Household Outlook. Recovery in household finances on track but unc...SEB banka
Economic growth has led to an increase in employment and real wages in Estonia and Latvia. The earnings abroad and remittances have added significant amount of funds to the households’ disposable income in all three countries. Nevertheless despite the improvement of situation, the modest consumer confidence in Estonia eliminating the large gap between Estonia and other Baltic countries, supports the strengthening of the households’ balance sheets reflecting in the largest savings of Estonian households, while in Latvia and Lithuania deposits dropped. However demographic situation with low birth rate, population ageing and emigration involves potential long term problems of all Baltic countries with the financing of pension and social system. Under such circumstances the mandatory pension scheme and voluntary private pensions plays a more significant role and can ensure a larger financial security in retirement. These are key findings arising from the newest SEB Baltic Household Outlook.
Uzņēmumu gatavība eiro ieviešanai. Kā veiksmīgi īstenot pāreju uz eiro?SEB banka
Pētījuma rezultāti par Latvijas uzņēmumu gatavību eiro ieviešanai. Kontrollapa - kas uzņēmumam jāveic, lai veiksmīgi īstenotu pāreju uz eiro. SEB bankas MVU konsultācijas biznesa attīstīšanas un eiro ieviešanas jautājumos.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Should we forget about ‘the older consumer’? An expert roundtable on market s...ILC- UK
In an ageing society, understanding and engaging with ‘the older consumer’ is of pressing interest for businesses who want to realise the potential of the market. But it is not an easy market to understand or describe.
A key issue to be addressed by marketers is to avoid a homogenisation of older people. The diversity of consumer spending of this group is often lost in ageist perceptions of ‘what older people want’. Despite this however, it remains to be seen if the commonalities of ageing – such as wealth depletion and physiological changes – nudge older people to gravitate to a norm.
In Dec 2010, ILC-UK and the Personal Finance Resource Centre (PFRC) at the University of Bristol published a report which explored what and how older people spent their income (Consumption Patterns Among Older Consumers). The evidence from this report fed into the ILC-UK report for Age UK on older consumers (The Golden Economy).
ILC-UK and PFRC have teamed up again to further explore issues around consumption and old age, funded by the Economic and Social Research Council Secondary Data Analysis Initiative. At this seminar we presented new evidence which explores patterns of expenditure among older people and considers what explains these.
During the seminar we:
Considered how our spending varies as we age, including setting out average and overall spending by age group;
Segmented older households based on their patterns of expenditure;
Considered the validity of a single ‘older consumer’ model.
Changes in economic environment. Macro overview and outlook for 2013-2014 Mārtiņš Pakulis
A presentation by Mārtiņš Kazāks about «Changes in economic environment. Macro overview and outlook for 2013-2014.»
Presented on 27th March, 2013 in Riga Business School.
This was the final event in the Population Patterns Seminar Series which explored the “silver separators”- divorce later in life.
Figures from the Office for National Statistics published in 2012 showed a huge rise in the divorce rate amongst those in their 60s, with an increase of 58% on the 2011 figure. The last 10 years have seen more and more older people part ways, despite divorce amongst the general population becoming less common. This has happened to such an extent that the over 60’s are now the fastest growing divorce group in the UK.
A variety of reasons have been suggested, including a reduction in the stigma surrounding divorce and couples no longer feeling obliged to stay together if their attitudes and needs change.
However, figures released by the ONS in June 2012 revealed that marriages involving older people were also rising faster than for other age groups – up by 21% for women and by 25% for men in their late sixties. Re-partnership is likely to be even higher than these figures suggest, as older people in a new relationship may not choose to remarry.
During the event the discussion explored a number of themes, including:
What factors have contributed to the rising rate of divorce amongst the over 60s?
How can older people’s relationships be better supported?
What challenges does ageing present to relationships?
How do care responsibilities effect relationships?
What are the potential ramifications of older couples separating?
Baltijas valstu mazie un vidējie uzņēmumi nākotnē raugās ar optimismu, vērtējot ekonomikas un uzņēmējdarbības vides attīstību. Tas skaidrojams ar to, ka Baltijas valstu reģions kļūst arvien izturīgāks pret Eiropas ekonomikas svārstībām, liecina SEB bankas veiktā mazo un vidējo uzņēmumu aptauja Igaunijā, Latvijā un Lietuvā.
Ekonomija, ko ilgtermiņā sniedz iespēja ietaupīt uz degvielas rēķina, ir noteicošais faktors vairāk nekā pusei (54%) aptaujāto respondentu. Lai gan, iegādājoties automašīnu, iedzīvotāju izvēlē arvien dominē universālās un apvidus automašīnas, pēdējo trīs gadu laikā ir vērojams pakāpenisks pieaugums videi draudzīgāko automašīnu iegādē. Salīdzinot ar 2011. gadu, kad Latvijā tika nopirktas nedaudz vairāk nekā 2000 „zaļās” automašīnas, 2013. gadā to skaits ir dubultojies, sasniedzot turpat 5 tūkstošus.
Kopsavilkums par Igaunijas nacionālo pāreju plānu.SEB banka
Marika Merilai, Igaunijas tirgotāju asociācijas vadītāja. Komunikācija un sadarbība kā eiro ieviešanas plāna svarīga sastāvdaļa. Eiro ieviešanas ietekme uz biznesu Igaunijā. Iegūtā pieredze.
2011. gada otrajā pusē Austrumeiropas, tostarp Centrāleiropas, ekonomikās aizsākās izaugsmes palēnināšanās. Tomēr, kā prognozēts, Krievija un Polija ir spējušas saglabāt izaugsmi arī valdošās nenoteiktības apstākļos. Šogad un nākamgad visās sešās Austrumeiropas apskatā aplūkotajās valstīs izaugsme būs zemāka par potenciāli iespējamo – arī Baltijas valstīs šogad sagaidāma ievērojami zemāka izaugsme, bet 2013. gadā tā paātrināsies.
SEB Baltic Household Outlook. Recovery in household finances on track but unc...SEB banka
Economic growth has led to an increase in employment and real wages in Estonia and Latvia. The earnings abroad and remittances have added significant amount of funds to the households’ disposable income in all three countries. Nevertheless despite the improvement of situation, the modest consumer confidence in Estonia eliminating the large gap between Estonia and other Baltic countries, supports the strengthening of the households’ balance sheets reflecting in the largest savings of Estonian households, while in Latvia and Lithuania deposits dropped. However demographic situation with low birth rate, population ageing and emigration involves potential long term problems of all Baltic countries with the financing of pension and social system. Under such circumstances the mandatory pension scheme and voluntary private pensions plays a more significant role and can ensure a larger financial security in retirement. These are key findings arising from the newest SEB Baltic Household Outlook.
Uzņēmumu gatavība eiro ieviešanai. Kā veiksmīgi īstenot pāreju uz eiro?SEB banka
Pētījuma rezultāti par Latvijas uzņēmumu gatavību eiro ieviešanai. Kontrollapa - kas uzņēmumam jāveic, lai veiksmīgi īstenotu pāreju uz eiro. SEB bankas MVU konsultācijas biznesa attīstīšanas un eiro ieviešanas jautājumos.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Estonia - Future Facing Financial CenterMartin Koch
With a total population of 1.3 million and a GDP of 17.4 billion euro, Estonia
is a relatively small Nordic country with outstanding economic freedom,
remarkable and rapid development, and a stable economy that implements
e-solutions. As it is for a smaller fish, the key to survival for a smaller country lies in
the ability to swim faster and adapt quickly to a changing environment.
Estonia has put notable effort into developing a competitive and stable
business environment. The outcomes of these endeavors is demonstrated
in numerous facts, figures, and global indices.
The Estonian economy rests upon a solid foundation, with the rule of law strongly
bolstered and enforced by an independent and efficient judicial system. A simplified
tax system with flat rates and low indirect taxation, a competitive banking sector,
openness to foreign investment, and a historically liberal trade regime all
support the resilient and well-functioning economy.
Find out more: www.businessinestonia.com
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Baltijas mājsaimniecību finanšu apskats 2016 SEB banka
Mājsaimniecību ienākumu palielināšanās sekmējusi ne tikai privātā patēriņa pieaugumu, bet arī finanšu uzkrājumu, tajā skaitā gan noguldījumu, gan ilgtermiņa uzkrājumu, kāpumu visās trijās Baltijas valstīs. Līdz ar lielāku finansiālās drošības spilvenu pieaug mājsaimniecību spēja pretoties finansiālajiem satricinājumiem. Tajā pašā laikā ekonomiskās situācijas uzlabošanās sekmē arī pozitīvāku skatījumu attiecībā uz aizņemšanos – mājsaimniecību pieprasījums pēc kredītiem palielinās, tomēr to apjomi ir mazi salīdzinājumā ar pirmskrīzes periodu un nerada riskus ekonomikai, liecina jaunākais SEB ekspertu sagatavotais Baltijas mājsaimniecību finanšu apskats.
Vairāk informācijas: http://www.seb.lv/jaunumi/2016-04-20/seb-baltijas-valstu-majsaimniecibas-klust-finansiali-specigakas
SEB eksperiments: baktēriju skaits uz banknotēm un maksājumu kartēm SEB banka
Baktērijas, kas atrodas uz banknotēm, var izraisīt dažādas infekciju slimības. Zinātniskā institūta BIOR vecākā eksperte Baiba Fogele iesaka ievērot dažus preventīvos pasākumus, tai skaitā - norēķināties ar maksājumu kartēm.
Uzziniet vairāk: http://www.seb.lv/kartes
Pašreizējo situāciju finanšu tirgos raksturo daudz neparedzamu un nepatīkamu problemātisku aspektu globālā mērogā, taču akciju tirgi pieaug pietiekami strauji. Tas apstiprina seno apgalvojumu, ka tirgi var pastāvēt arī ar riska faktoriem, ja vien tiem pamatā esošā ekonomika kļūst spēcīgāka. Vēl viens apgalvojums ir, ka no tirgus viedokļa vissvarīgākais ekonomiskais rādītājs ir tas, lai ASV ekonomika būtu stabila, kāda tā ir šobrīd un, iespējams, būs arī turpmāk.
Katram 1.klases skolēnam – Pirmklasnieka kalendārs – jautrs un košs sienas kalendārs ar izglītojošiem uzdevumiem, jokiem, iemīļoto multfilmu varoņu stāstiņiem, kā arī maziem bērnu zīmējumu konkursiem.
Lai pārbaudītu automašīnu degvielas patēriņu reālos, Latvijas ikdienas braukšanai pietuvinātos apstākļos, Drošas Braukšanas skolas (DBS) instruktori izmēģināja 21 automobili īpaši izstrādātā maršrutā. Pārsteidzošā kārtā vairums izmēģināto automobiļu ir izrādījušies īpaši taupīgi.
Dzinēju tehnoloģijas un vieglākas virsbūves priekšplānā izvirzās modernā kompaktklase un visekonomiskākais izrādījās Peugeot 308.
Inga Krole - Šeninga "Eiro ieviešana Latvijā"SEB banka
SEB bankas eiro ieviešanas projekta vadītāja Inga Krole-Šeninga par to, kā eiro ieviešana ietekmēs bankas un uzņēmumu darbību šī gada nogalē un nākamā gada sākumā.
Lai apzinātu Latvijas uzņēmumu esošo situāciju, kā arī iepazītos ar nākotnes plāniem un mērķiem, jau otro gadu pēc kārtas SEB banka veica mazo un vidējo uzņēmumu aptauju, kurā šogad piedalījās 1749 uzņēmums no visas Latvijas. Aptaujas dati liecina, ka Latvijā 87% uzņēmumu 2014. gadā prognozē palielināt sava biznesa apgrozījumu. Tomēr, gada laikā optimistu skaits nedaudz sarucis – pērna gada aptaujā palielināt biznesa apgrozījumu plānoja 90% Latvijas uzņēmumiem.
Rudens ir iesācies ar pozitīvām vēsmām gandrīz visās Austrumeiropas, tostarp Centrāleiropas valstīs. Sasniedzot zemāko punktu šā gada otrajā ceturksnī un sekojot tendencēm Rietumeiropā, ir iesākusies reģiona ekonomiku atveseļošanās. Tomēr turpmākajos divos gados atgūšanās temps sagaidāms gauss. Taču Latvija un Lietuva saglabās visstraujāko izaugsmi Eiropas Savienībā.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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3. 23.04.14 3
300
400
500
600
700
800
900
4Q08 4Q09 4Q10 4Q11 4Q12 4Q13
Source: National Statistics
Average net wages (in euros)
Estonia Latvia Lithuania
-4%
-2%
0%
2%
4%
6%
8%
Source: National Statistics
Real wages (%, YoY)
Estonia Latvia Lithuania
Average net wage has exceeded the pre-crises level in all Baltic countries
Wage growth continues
4. 23.04.14 4
331
756
196
516
228
501
127
327
92
260
99
238
0
150
300
450
600
750
900
2003 2013 2003 2013 2003 2013
Estonia Latvia Lithuania
Source: National Statistics, SEB calculations
Wages and pensions (EUR)
Average net wage Average retirement pension
+129%
+158%
+163%
+181%
+120%
+141%
52
65
109
65
88
131
46
67
101
0
20
40
60
80
100
120
140
Inflation Food prices Housing expenses
Source: National Statistics
Price changes over 10 years (Dec.2013 vs.
Dec.2003), %
Estonia Latvia Lithuania
Income growth over 10 years outpaced the increase in prices
10 years: boom, bust and recovery
5. 23.04.14 5
85
100
115
130
145
160
175
Source: National Statistics, SEB calculations
Average net wage at constant prices (2003=100)
Estonia Latvia Lithuania
83
100
117
134
151
168
185
Source: National Statistics, SEB calculations
Average old-age pension at constant prices
(2003=100)
Estonia Latvia Lithuania
In 2013 the average real wage (net wage adjusted for inflation) was 57 per cent above the level
of 2003 in Latvia, 52 per cent higher in Lithuania and 50 per cent higher in Estonia.
The purchasing power of households is much higher
compared to 2003 but still below the pre-crises level
6. 23.04.14 6
Evaluation of financial situation
-70
-60
-50
-40
-30
-20
-10
0
10
Financial situation over last 12 months
Estonia Latvia Lithuania
Source: Eurostat
-40
-30
-20
-10
0
10
20
Financial situation over next 12 months
Estonia Latvia Lithuania
Source: Eurostat
Young people aged 16-29 are more positive, while the most pessimistic respondents
are older people aged 65 and over.
7. 23.04.14 7
The distribution of income and inequality
24
27
30
33
36
39
42
Source: Eurostat, National Statistics
Gini coefficient of equivalised disposable income
Estonia Latvia Lithuania EU-27
3
4
5
6
7
8
9
Source: Eurostat, National Statistics
Inequality of income distribution (S80/S20 ratio)
Estonia Latvia Lithuania EU-27
Among Baltic countries the distribution of income is less balanced in Latvia
9. 23.04.14 9
Comparison of the growth and the re-adjustment
of total loan portfolios
Ÿ The downward adjustment of total loan portfolios after vigorous increase before the crises has
been relatively modest in all three countries
Ÿ The biggest upsurge in 2005-2008 occurred in Lithuania where the loan portfolio increased
ca 6 times; the strongest cutback was in Latvia where the loan portfolio is still declining
10. 23.04.14 10
Ÿ The loan portfolio is increasing since April 2013 in Estonia, since June 2013 in Lithuania
while in Latvia the decrease continues
Ÿ Households show modest intentions to borrow for consumption in all Baltic countries
where the portfolio of consumer loan and other borrowing continues to decrease
Housing and consumer loan portfolios show
different developments
11. 23.04.14 11
The average interest rate of housing loans
• The biggest drop in the interest rate of housing loans was in Latvia. In Estonia and
Lithuania the interest rates are already on very low level
Ÿ In 2014, there is still room for the interest rates to fall in Latvia
12. The share of non-performing housing loans has been
at very high level in Latvia
23.04.14 12
• The highest peak in non-performing loans (NPL) was in Latvia (16.5% in 2011 Q3) while the Estonian
households have showed the least difficulties in repaying their housing loans. In Estonia, the peak was at 4.5%
in 2010 Q3
Ÿ The repayment problems are related to the income declines during the recession which were experienced by
majority of households
Ÿ The share of NPL at the end of 2013 was in Estonia at 1.4%, in Lithuania at 7.5% and in Latvia at 10.2%
13. Non-performing consumer loans back on track only
in Estonia
23.04.14 13
• The peak in non-performing consumer loans was in Latvia at 22.8% and in Lithuania at
22.8% in 2011 Q2. In Estonia, the peak was at 9.5% in 2010 Q3
Ÿ The share of NPL at the end of 2013 was in Estonia at 4.6%, in Lithuania at 13.1% and in
Latvia at 17.4%
Ÿ The share of population who is eligible for obtaining consumer loans is
significantly lower compared to pre-crisis period
14. The share of financially vulnerable households is
hardly decreasing after the recession
23.04.14 14
• The share of households who have difficulties to cover their everyday expenses is in
Latvia 22%, in Lithuania 13% and in Estonia 9%
• The share of households who are not able to cover unexpected expenses of
200-300 EUR is in Latvia 74%, in Lithuania 60% and in Estonia 45%
15. Most of the reported arrears of households are
on utility bills
23.04.14 15
• Every fourth household in Latvia, every eighth household in Lithuania and every
tenth household in Estonia reports arrears on utility bills
Ÿ There is very slow recovery after the recession regardless the drop of
unemployment rate and the rise in average real wage
16. In comparison to other EU countries, Estonian and
Lithuanian households are financially relatively well
23.04.14 16
• In Estonia and Lithuania, the
share of any kind of arrears (on
utility bills, rent, hire purchase or
loan repayment) is close to the
EU average
Ÿ There were more households in
arrears (15.2%) in Poland which
did not experience economic
recession in 2009 compared to
Estonia and Lithuania.
Ÿ For comparison, 11% households
in Finland and 10% households in
France report arrears.
17. 23.04.14 17
Estonian households are the least distressed from
their housing costs
• In Estonia, 29% of all households feel financial burden of total housing costs (expenses on
utilities, rent or mortgage payments) which is lower than the EU average (37%)
Ÿ Hence, there are more households which can improve their living conditions without facing
difficulties in Estonia than in Latvia and Lithuania
19. 0%
2%
4%
6%
8%
10%
12%
14%
16%
2012 2013 2012 2013 2012 2013
Estonia Latvia Lithuania
Source: National Statistics, SEB calculations
Annual growth in financial assets and compensations
to employees in 2012-2013
(in per cent)
Financial assets growth Household income growth
3,312
3,7313,668
3,899
5,423
5,976
2012 2013
Financial assets per capita
(in EUR)
Latvia Lithuania Estonia
Growth in financial assets slowed down
19
In 2013 assets growth was slower in Estonia and Lithuania
The main reasons – low return and better income expectations
Faster growth in Latvia was determined by cash to deposits allocation
20. Euro introduction decreases cash levels
20
0%
5%
10%
15%
20%
25%
30%
35%
40%
2010 2011 2012 2013
Estonia Latvia Lithuania
Household cash to deposits ratio development
Source: Central Banks
Prior euro introduction those who previously kept cash, deposit their money at financial
institutions seeking to facilitate exchange of their savings into the euro.
The impact in Estonia was temporary
21. Term deposits are not popular for new savings
21
-200
0
200
400
600
800
1000
1200
Overnightdeposits
Termdeposits
Securitiesand
otherfinancialproducts
Lifeinsurance
andprivatepensionfunds
Realestate
transactionvalue
Source: SEB calculations
Estonia
2012 2013
-400
-200
0
200
400
600
800
1000
1200
Overnightdeposits
Termdeposits
Securitiesand
otherfinancialproducts
Lifeinsurance
andprivatepensionfunds
Realestate
transactionvalue
Latvia
2012 2013
-400
-200
0
200
400
600
800
1000
1200
Overnightdeposits
Termdeposits
Securitiesand
otherfinancialproducts
Lifeinsurance
andprivatepensionfunds
Realestate
transactionvalue
Lithuania
2012 2013
Net change in financial assets and real estate transaction value (mEUR)
There is almost no difference between overnight deposits and term deposits return
Households look for alternatives in securities markets but still are risk averse
More funds are allocated for housing and real estate investments