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Appendix table 1. Consumers' views and intentions

	Average 10/1995-	Max. 10/1995-	Min. 10/1995-	11/2017	10/2018	11/2018	Outlook 1)
A1 Consumer confidence indicator, CCI = (B2+B4+B7+D2)/4	12.6	25.8	-6.5	23.0	16.8	18.3	+
A2 Old CCI = (B1+B2+B3+B4+C1)/5	6.9	20.6	-15.0	16.7	12.2	10.0	+
A3 Micro indicator = (B2+D1+D2)/3	25.9	33.4	9.5	29.8	31.1	33.0	++
A4 Macro indicator = (B4+B7)/2	1.0	22.8	-39.1	18.0	4.9	5.7	+
B1 Own economy now (balance)	3.9	9.8	-4.0	2.0	8.3	5.3	+
- Better (%)	23.4	30.6	16.4	21.2	28.2	25.1
- Worse (%)	16.4	22.7	11.4	17.3	15.0	15.7
B2 Own economy in 12 months' time (balance)	8.4	14.1	2.3	9.8	9.8	10.6	+
- Better (%)	25.9	33.4	18.2	27.7	28.3	29.0
- Worse (%)	11.3	17.7	6.6	10.9	11.8	11.2
B3 Finland's economy now (balance)	-1.1	29.5	-60.9	25.7	16.4	15.5	+
- Better (%)	28.1	62.1	2.0	56.7	44.3	42.1
- Worse (%)	27.4	88.5	4.2	8.7	12.8	12.2
B4 Finland's economy in 12 months' time (balance)	4.4	25.3	-27.1	19.7	1.4	0.3	-
- Better (%)	32.2	57.3	11.6	47.2	26.6	25.3
- Worse (%)	22.0	57.3	6.0	7.9	23.1	24.2
B5 Inflation now (per cent)	2.2	5.8	-2.0	1.2	1.9	2.0
B6 Inflation in 12 months' time (per cent)	2.1	4.6	0.6	1.7	2.2	2.1
B7 Unemployment in Finland in 12 months' time (balance)	-2.4	27.6	-51.1	16.3	8.4	11.2	+
- Less (%)	31.2	60.8	6.4	48.4	38.7	41.5
- More (%)	33.3	83.3	6.9	15.9	21.3	18.7
B8 Own threat of unemployment now (balance)	-0.6	9.8	-18.8	3.7	4.8	6.4	++
- Decreased (%)	13.4	20.4	5.3	17.1	16.6	17.3
- Increased (%)	16.7	31.9	7.9	14.0	11.9	12.3
C1 Favourability of time for purchasing durables (balance)	18.8	41.8	-14.2	26.6	25.1	18.3	=
- Favourable time (%)	44.6	62.4	29.6	45.4	45.2	40.6
- Unfavourable time (%)	25.8	45.7	15.2	18.8	20.1	22.3
C2 Favourability of time for saving (balance)	11.3	36.8	-19.6	19.8	31.3	32.0	++
- Good time (%)	58.5	80.7	33.4	64.1	73.0	73.3
- Bad time (%)	36.0	58.5	15.5	29.2	22.2	21.5
C3 Favourability of time for raising a loan (balance)	18.6	42.0	-47.1	36.1	21.7	16.2	=
- Good time (%)	62.8	78.2	13.3	75.0	65.1	60.7
- Bad time (%)	30.1	83.4	12.1	17.1	27.3	32.2
D1 Household's financial situation now (balance)	29.0	37.3	14.7	33.1	36.0	37.3	++
- Can save (%)	60.4	70.8	38.6	66.1	68.9	70.8
- Uses savings or gets into debt (%)	6.8	10.1	4.5	6.4	5.1	6.2
D2 Household's saving possibilities in the next 12 months (balance)	40.2	52.2	10.9	46.5	47.5	51.1	++
- Can save (%)	74.4	82.3	56.6	78.4	78.8	80.1
- Cannot save (%)	23.8	40.3	16.5	20.2	19.5	18.0
D5 Household's intentions to raise a loan in the next 12 months (% of households)	13.1	17.8	9.1	11.5	13.3	11.6	-
- Yes, certainly (%)	5.6	8.5	3.1	4.8	6.5	5.0
- Possibly (%)	7.5	11.4	5.0	6.7	6.8	6.7
E1 Spending on durables, next 12 months vs last 12 months (balance)	-8.9	-2.4	-18.2	-9.8	-7.9	-10.1	-
- More (%)	21.3	30.8	13.9	18.9	20.1	18.4
- Less (%)	32.6	40.4	25.6	31.3	31.0	33.2
E2 Intentions to buy a car in the next 12 months (% of households)	16.8	21.7	12.7	17.2	17.3	16.4	=
- Very likely (%)	8.5	12.1	5.1	8.5	8.8	7.6
- Fairly likely (%)	8.3	10.4	5.3	8.7	8.5	8.8
E4 Intentions to buy a dwelling in the next 12 months (% of households)	7.0	11.3	4.1	6.6	7.4	7.0	=
- Yes, certainly (%)	3.0	5.2	1.3	2.7	2.6	3.5
- Possibly (%)	4.0	6.2	2.2	3.8	4.8	3.5
E5 Intentions to spend money on basic repairs of dwelling in the next 12 months (% of households)	18.8	27.0	9.8	16.0	19.0	17.7	-
- Very likely (%)	12.4	19.0	5.0	10.6	12.1	11.1
- Fairly likely (%)	6.4	9.1	3.2	5.5	6.9	6.6

1) Outlook: ++ very good, + good, = neutral, - poor, -- very poor; deviation of balance from average has been compared to standard deviation

Source: Consumer Survey 2018, November. Statistics Finland

Inquiries: Pertti Kangassalo 029 551 3598, Tuomas Parikka 029 551 3276, consumer.survey@stat.fi

Director in charge: Jari Tarkoma

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Updated 27.11.2018