T2 Non banks: Funding ($m)

31 January 2017 03:00 p.m.
Next release
28 April 2017 03:00 p.m.
Reserve Bank of New Zealand
Data files
T2 (2004-current) (XLS 28 KB)
Previous years: Quarterly:
Dec 2014 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016
B3 Total funding (time to rate reset)
B3.1 Transaction call - cheque 28 35 34 31 31 37
B3.2 EFTPOS less cheque 5 5 6 7 7 7
B3.3 Other call 407 370 369 378 368 419
B3.4 2 < 90 days 3,149 3,188 3,214 3,256 3,401 3,234
B3.5 90 days < 1 year 2,990 1,244 1,234 1,159 1,103 1,207
B3.6 1year < 2 years 433 496 544 684 720 2,077
B3.7 2years < 3 years 113 1,572 1,661 1,596 1,542 367
B3.8 3 years < 4 years 360 376 246 179 243 429
B3.9 4 years < 5 years 170 308 381 410 363 203
B3.10 5 years + 104 39 39 39 39 134
Unallocated 2,546 2,674 2,745 2,745 2,815 2,810
B3.11 Total 10,302 10,308 10,473 10,483 10,632 10,923

Non-bank lending institutions (T1-T4)

The Data: Coverage, Periodicity, and Timeliness

Coverage characteristics

Since December 2004, the Bank has conducted a quarterly survey of non-bank financial institutions (NBLIs). NBLIs are financial institutions with total assets of $5m or more at the consolidated group level, whose principal business is credit provision and borrowing money from the public and/or other sources.

Data is sourced from the Non-Bank Standard Statistical Return (SSR). The SSR obtains balance sheet data from NBLIs using the same template as for registered banks, with lesser completion requirements.

Figures are aggregates of each data cell of the actual survey templates. Data are in millions of New Zealand dollars and are collected as at the last business day of the quarter.

The NBLI SSR does not include group investment funds, unit trusts and various fund managers, friendly societies and life insurance-related intermediaries. This class of NBLI is included in the Bank’s quarterly and annual managed funds survey.

The assets and liabilities summary present a summarised balance sheet, excluding securitised loan assets and counterpart funding. Funding and claims are broken down by maturity or sector.

Balance sheet figures reported by the surveyed financial institutions conform to generally accepted accounting practice adopted by the institutions. In particular, values may be at book or ‘marked to market’ according to appropriate practice for the instruments involved.

Where possible the resident/non-resident distinction in these tables is based on the geographical location of respondents and counterpart transactions. To facilitate statistical reporting however, the New Zealand income tax rules on residency are accepted as an approximation, and are the predominant definition.


Quarterly, as at the last business day.


On or before the last business day of the month after the end of the reference quarter.

Access by the public

Statistics release calendar

The “Statistics Release Calendar” is updated and released on the last working day of the month. This is a long-term plan of scheduled releases.


Dissemination of terms and conditions under which official statistics are produced, including confidentiality of individual responses

Data are collected under Section 36 of The Reserve Bank of New Zealand Act 1989 (The Act).

The Reserve Bank of New Zealand publishes only aggregated data. Individual institutional data is confidential.

Provision of information about revisions and advance notice of major changes in methodology

Provisional data are italicised. Data are deemed provisional when a series is under review. New data, or revised data, are in bold font. Revisions are generally published when the table is next due to be updated and released. Should revisions need to be made more promptly, a note is posted on the website as a ‘special note’.

Any major changes in methodology are posted on the website as a special note.


Dissemination of documentation on methodology and sources used in preparing statistics

An Excel Template is completed and returned each quarter by NBLIs.

Dissemination of statistics that support statistical cross-check and provide assurance of reasonableness

Deposit-taking finance companies and savings institutions provide prospectus disclosure annually, in addition to statutory reports, which enable checks for reasonableness.

Series Breaks

Series breaks occur when NBLI data are affected by survey changes that are not 'organic' but arise from one period to another because of factors such as the sale of assets; merger with another institution or a change in substance in business practice that interrupts a 'like for like' time series comparison.

Series breaks for key balance sheet components for all non-bank lending institutions are displayed in the table below.

All non-bank lending institutions (NBLIs)

Series breaks


Less: Counter-part funding

Total Assets (A15)

Memo: House-hold Deposits

Break date

Table C5

Table C6





May 16




Sep 15



Dec 12







Dec 11






Dec 10





Dec 09





Jun 09



Dec 08








Sep 06


Series breaks last updated: 29 July 2016

Household securitised assets

Under International Financial Reporting Standards (IFRS), securitised assets form part of NBLI balance sheets. However, securitised household loans are not included in total assets in the NBLI SSR, nor is the counterpart funding included in liabilities (in table T1).

To calculate the total asset and liabilities of NBLIs the counterpart funding (CC1.12 and E8.10 in table T4) must be added to total liabilities (A6 in table T1) and total assets (A15 in table T1). Note that securitised business loans and their corresponding liabilities on the other hand are included in table T1.

B3 New Zealand dollar funding

The total for this category (B3.11) equals A1.5 in table T1. The concept of ‘time to rate reset' is to the next rate reset, or expiry of the contractual term of the funding, whichever is first. Where no contractual expiry is specified but the funds are not at call, allocations are to the time at which first notice of repayment may be made.

B3.1 Transaction call - cheque

All cheque account balances.

B3.2 EFTPOS less cheque

The total balances of all product accounts from which customers can make EFTPOS payments (not the balances only of the customers who have elected to do so, but balances where they have the opportunity). Cheque accounts are excluded to preclude double-counting.

B3.3 Other call

Accounts not included in B3.1 and B3.2 that are on call.

Symbols and conventions

0 Value rounded to zero
- Zero or not applicable
.. Not available
bold Revised/new
italics Provisional

General notes

  • Individual figures may not sum to the totals due to rounding
  • Percentage changes are calculated on unrounded numbers
  • You are free to copy, distribute and adapt these statistics subject to the conditions listed on our copyright page.