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Māori access to capital (MA2K) snapshot

This snapshot is a collection of measures that offer a baseline understanding of MA2K across the banking system in Aotearoa.

Published date:

MA2K snapshot overview

The Māori access to capital (MA2K) snapshot provides a point-in-time picture of primarily qualitative measures across participating banks from the Tāwhia Māori Bankers Rōpū (ANZ, ASB, BNZ, Heartland, Kiwibank, TSB and Westpac).

All information provided to inform this snapshot has been on a voluntary, ‘best-endeavours’ basis, but it offers a baseline understanding of MA2K across the banking system in Aotearoa.

The snapshot aims to improve data and understanding which is needed to monitor system efficiency. This supports a whole of sector approach towards reducing unnecessary barriers to MA2K and increasing financial inclusion more broadly.

Improved data on MA2K is an important step in tracking the progress of the banking sector and building on the momentum developed by the sector’s actions.

MA2K snapshot measures

The snapshot is broken into 2 components - aggregate measures and comparative anonymised measures.

The measures are a proxy for identifying successes and improvements across the banking system. The measures do not perfectly capture all actions or solutions but are a 'best approximation' with the data and measures we currently have available. We encourage the snapshot and its measures to be interpreted in their entirety and with this in mind.

Aggregate MA2K data

The aggregate data gives a view of identifiable Māori businesses access to capital across the banking system.

Business Operations Survey Data Māori businesses Non-Māori businesses
Percentage of businesses with debt requests 31.1% 25.0%
Percentage of debt requests on acceptable terms 89.8% 90.7%

Data collected from a subset of Tāwhia banks Māori businesses Total businesses
Total business lending by banks $3.5b $185b

Comparative anonymised MA2K data

The comparative data has been divided into 3 sections.

  1. Strategic alignment means having an organisation that strategically and structurally is set up to help reduce unnecessary barriers to Māori accessing capital.
  2. Improving organisational understanding means taking steps towards lifting collective organisational understanding of Māori businesses accessing capital.
  3. Lending support and initiatives are specific actions taken to remove barriers for Māori businesses when accessing lending.

In the table below ⬤ indicates specific actions have been taken.

Bank 1 2 3 4 5 6 7
Strategic alignment
Te ao Māori strategy ⬤ ⬤ ⬤ ⬤ ⬤ ⬤ ⬤
Māori focused team/roles
 ⬤ ⬤ ⬤ ⬤ ⬤
Improving organisational understanding
Percentage of Māori employees 7.0% 7.4% 9.2% 6.2% 10.7% 9.1% 7.9%
Māori governance representation
 ⬤ ⬤ ⬤ ⬤ ⬤
Māori senior leadership (tier 1, 2 or 3) representation
 ⬤ ⬤ ⬤ ⬤ ⬤ ⬤ ⬤
Internal education programmes on Te Reo, tikanga or the Māori economy ⬤ ⬤ ⬤ ⬤ ⬤ ⬤ ⬤
Initiatives to promote a diverse and inclusive workforce and support the Māori talent pipeline (internship/graduate programme, recruitment drives/guidelines etc) ⬤ ⬤ ⬤ ⬤ ⬤ ⬤
Lending support and initiatives
Product or service for lending on whenua Māori ⬤ ⬤ ⬤ ⬤ ⬤
Service or initiative targeted to Māori small and medium businesses ⬤ ⬤ ⬤ ⬤
Initiatives that target improving public financial literacy (⬤⬤ if explicitly targets Māori). ⬤⬤ ⬤⬤ ⬤ ⬤ ⬤⬤ ⬤

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