:

:

2016

2

,

2015. , 1.200 , 15%

2015 2014 4% 2015 (

23% 10% ).

, 7,2

2015 (15% 7,8% ).

,

21 2015 2014,

2013.

:

(39% 39% ),

(35% 27% )

(31% 51% ).

,

( 21% 36% ). , (

70% ) :

. ,

80%.

,

( ),

.

3

,

. :

,

22% ,

7%

1% .

e-banking (POS) ( 12% POS 14%

e-banking ).

, , ,

.

2015

5 1.200 , 15%

2015 2014 ( 4%

2015).

,

7,2 2015 (15% 7,8%

**) 5 2008-2014

(8,3% 3,4% ).

,

(-23%

2015) (-28%)

( -9% -4% 2015).

2015 ( ) -

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].** 4 (Eurostat).

-4% -10% -2%

0%

-15%

-23%

-13%-9%

. 1 - 2* . 3 - 4* . 5 - 6*

%

2015

2 3

-4% -17% -5%

1%

-9%

-28%

-10%-4%

. 1 - 2* . 3 - 4* . 5 - 6*

%

2015

2 3

B1 E1

K1

Y1

B2

E2K2

Y2

B3

E3

K3

Y3B4E4

K4

Y4B5

E5

K5Y5

B6E6

K6

Y6

-26%

-20%

-14%

-8%

-2%

4%

10%

16%

-35

%

-30

%

-25

%

-20

%

-15

%

-10

%

-5%

0%

5%

'

:

' :

2015

. 1* . 2* . 3* . 4* . 5* . 6*

y = -1,9614x2 - 0,0159x + 0,0025R = 0,7675

6 , 21

2015 2014

.

,

87% .

,

(39% 39% ),

(35% 27% )

(31% 51% ).

, 87%

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].

12%

17%

23%

31%

35%

39%

32%

36%

47%

51%

27%

39%

56%

47%

30%

18%

38%

22%

'

..

-35 -32

-15-11

2

11

-4-10

-40

-30

-20

-10

0

10

20

20

12

1

20

12

2

20

13

H1

20

13

2

20

14

H1

20

14

H2

20

15

H1

20

15

H2

* (-100), (0) (100).

5% 8% 3% 8%8%

18%

7%8%

87%74%

90% 84%

. 1* . 2-5* . 6*

..

7

21% 36% . ,

( 70% )

, . ,

80%.

.

, 2/3

3 ( 1/3 ).

.

5 10 ., (i) 2/3 , (ii)

(iii) 37% .

,

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].

21%14% 19%

35%

36%

31%

37%

31%

43%55%

44%34%

. 1* . 2 -5*

. 6*

36%

20%34%

54%

29%

27%

30%

26%

29%

34%

31%

16%

6%

19%

5% 4%

. 1* . 2 -5*

. 6*

..

1

12

3

17% 20% 18% 9%

25%30% 26%

19%

17%13% 19%

9%

0%

20%

40%

60%

80%

. 1* . 2-5* . 6*

*

8 ,

. :

,

22% ,

7%

1% .

,

, .

, (

) 3 2015 ,

42% 2015 36%

2014.

H ,

1%

7%

15%

22%

24%

52%

..

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].

2%

8%

14%

20%20%

30%

40%

50%

20

12

H1

20

12

H2

20

13

H1

20

13

H2

20

14

H1

20

14

H2

20

15

H1

20

15

H2

(. )

10 - ( - )

52% 54% 49%60%

30% 32% 31%

29%

18% 14% 20%11%

. 1* . 2 -5*

. 6*

..

9

( )

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].

( -100 100)

(% )

-32

12

23

1

-35

-10

2

-40

-20

0

20

40

* 1 * 2-5 * 6

20132 20141 20142 2015H1 2015H2

26%

44%

59%

29%

39%

60%

0%

20%

40%

60%

80%

* 1 * 2-5 * 6

20132 20141 20142 2015H1 2015H2

4

-5

-23

-33-40

-20

0

20

20132 20141 20142 2015H1 2015H2

48% 47%42%

36%

50%

38%

48%

32%

0%

20%

40%

60%

20132 2014H1 2014H2 2015H1 2015H2

-32

12

23

1

-35

-10

2

-40

-20

0

20

40

* 1 * 2-5 * 6

20132 20141 20142 2015H1 2015H2

26%

44%

59%

29%

39%

60%

0%

20%

40%

60%

80%

* 1 * 2-5 * 6

20132 20141 20142 2015H1 2015H2

4

-5

-23

-33-40

-20

0

20

20132 20141 20142 2015H1 2015H2

10

:

(POS).

( 2,5 .) 12%

POS POS

40% ( ).

e-banking.

( 2,5 .) 14%

e-banking .

e-banking (POS)

32% 29%37%

9% 12%5%

59% 59% 58%

. 1 - 4* . 5 - 6*

POS ( )

..

..

81% 75%91%

11%14%

7%8% 11%

2%

. 1 - 4* . 5 - 6*

E - Banking

..

..

32%22%

37% 32%16%

9%

10%

11%5%

11%

59%68%

52%63%

73%

%

POS ( )

..

..

81% 83% 82% 79% 79%

11% 10% 11% 10% 14%

8% 7% 7% 11% 7%

%

E - Banking

..

..

* 1-6 . , (. ): 1=(0-0,1], 2=(0,1-0,5], 3=(0,5-1], 4=(1-2,5], 5=(2,5-5] 6=(5-10].

2015

12

..

( ),

(

)

71% 68% 66%55% 52% 48% 43% 42% 39%

33% 33% 30%

%

7% 9%10% 11% 11%

14% 14%17% 18%

24%27% 28%

%

8%14% 15% 16% 16% 16% 18%

20% 22% 23%27%

34%

%

* .. .

13

2015 (50%

42% ... ). ,

( 42% ).

( )

(71% 42% ).

(45% 21% ... ),

(59% 48% ... ).

2015 (7%

2014, 15% ... ) 68%

. , (

13% , 25% ... ).

( )

:

-3%

1%

-1% -2% -2%-4%

-11%

-7% -8%

-17%

-13%-15%

-

%

2015

2 3

45% 13% 35% 29% 25% 21%

%

55

%

26

%

28

%

30

%

33

%

29

%

71

%

55

%

43

%

52

%

50

%

42

%

%

14 34% ( 25%

).

, 36% ( )

.

, , 11% ( 7% ...

).

,

52%

46%

44%

53%

56%

41%

..

24%

27%

24%

23%

24%

34%

..

22%

26%

36%

29%

20%

24%

..

15%

17%

7%

20%

18%

25%

..

7%

11%

10%

10%

3%

12%

..

1%

2%

3%

3%

2%

2%

..

15 , ,

2014 ( 12%

2015 2014) 10% ( 19% ).

, (

50% 68% ),

(33% 19% ... ).

(1%),

5%.

, 31%

. , 2015 (6% 2014,

15% ... )

(51% , 36% ... ).

,

5%

-1%-2%

-1%

-5% -4%

-1%

-6%

-9%

-12%

-15%

%

2015

2 3

10% 31% 19% 19% 23%

%

..

20

%

30

%

50

%

29

%

29

%

66

%

48

% 68

%

48

%

42

%

%

16 ( 1 6

... ) (

).

,

( 33% , 42% ... ),

( 15% , 21% ... ),

(39%) (29%)

( 20%

, 36% ... ).

O , 15%

( 21% ... ), 37% (

24% ... ).

,

11

17

-10

-5

-20

0

20

2013H2 2014H1 2014H2 2015H1 2015H2

* .

37% 20% 36% 32% 36%

%

..

21% 28% 37% 24% 24%

%

..

17 (

) 2015 (20%

12% , 15% 4% ... ),

,

.

, :

33% ( 7% ... )

35%

( 22% ... ),

6% ( 21%

).

,

-14%

-10%-12%

-4%

-22%-19%

-20%

-15%

%

2015

2 3

-46

-25

-31

-24

-39

-26

-60

-40

-20

0

20132 2014H1 2014H2 2015H1 2015H2

* .

15% 6% 11% 21%

%

0%

10%

20%

30%

40%

%

..

18

, , ,

* 1 () 10 () .

..

..

5,0 5,0 5,0 5,0 5,0 5,0 5,0

5,9 5,9 6,3 3,7 6,8 5,9 5,8

6,2 10,0 10 2,1 5,5 10,0 7,3

8,6 4,0 7,3 5,9 10,0 3,0 6,5

7,8 4,7 5,3 4,2 5,9 7,9 6,0

4,9 5,2 6,7 3,7 6,1 6,6 5,5

5,7 5,1 6,1 5,5 5,6 4,6 5,4

10,0 2,1 9,2 10,0 8,2 4,3 7,3

7,6 9,1 9,5 5,5 6,4 7,5 7,6

8,2 5,3 6,0 5,0 8,4 4,5 6,2

4,9 4,9 3,6 5,9 3,9 5,1 4,7

5,7 5,2 4,2 5,9 5,1 6,2 5,4

2,9 4,2 2,0 5,7 1,0 3,4 3,2

7,6 4,7 5,0 6,3 4,8 3,3 5,3

1,7 1,8 1,6 1,8 3,7 2,3 2,1

1,0 1,0 2,1 3,4 2,0 3,4 2,2

2,6 2,9 1,0 1,0 5,5 1,0 2,3

2015

20

690,000 76 .

4/5 , (

).

, ( 60%)

(, , , .).

689,831

79%

21%

78%

1%

18%

3%

76 .

38%

62%

32%

6%

18%

44%

* : 1 . 1 . 10 ..

: SBA Factsheet 2015, Eurostat, ..,

21

10 .,

().

(stratified sampling method),

. , 1,164 ,

: (6 ) (, , ,

).

,

. (i) , (ii)

(iii) . ,

.

* ( )

(. )

1: (0 - 0,1] 1% 5% 3% 1% 10%

2: (0,1 - 0,5] 3% 6% 13% 1% 23%

3: (0,5 - 1] 2% 3% 9% 1% 15%

4: (1 - 2,5] 3% 4% 11% 1% 19%

5: (2,5 - 5] 4% 4% 8% 1% 17%

6: (5 - 10] 4% 3% 8% 1% 18%

17% 24% 52% 7% 100%

* 2007-2013

: .. (2007), ICAP Data, Eurostat,

*

(. )

1: (0 - 0,1] 45 45 73 30 193

2: (0,1 - 0,5] 45 45 73 30 193

3: (0,5 - 1] 45 45 74 30 194

4: (1 - 2,5] 45 45 74 30 194

5: (2,5 - 5] 45 45 73 30 193

6: (5 - 10] 45 45 73 30 193

270 270 440 180 1160

* 10%

22

,

.

, .

3 : (+), (=), (-) (+), (=),

(-). (+,=,-)

(-) (+). , o

:

: , .

: , .

: , .

: .

, (

).

,

. ,

( (over-optimism or over-pessimism bias)).

( )

.

23

: TNS ICAP

: , (Computer Aided Telephone Interviewing- C.A.T.I.),

20 .

: 1,160 (960 & booster 200 ):

580 1. ( , , , , , ) 100

580 1-10. (, , , ) 100

:

, , , , , ,

: , , , &

-. Quotas booster .

: - 480 +/- 4,15%

95%.

: 25/9/15- 9/11/15

: ESOMAR

( ). 47 5 ,

.

:

:

2016

:

Senior Economist,

(+30210) 334 1549

e-mail: fvoumv@nbg.gr

:

Economist,

(+30210) 334 1528

e-mail: koutouzou.ath@nbg.gr

Economist,

(+30210) 334 1547

e-mail: sakkas.georgios@nbg.gr

Economist,

(+30210) 334 1646

e-mail: zabeti.eirini@nbg.gr

. . . , . .