Businesses that appear on the lists below have been identified as reporting entities, supervised by the Reserve Bank of New Zealand, under section 5 of the AML/CFT Act.
- Registered banks
- Non-bank deposit takers (NBDTs)
- Life insurers (non-exempt)
- Banks' Designated Business Group (DBG) members
- NBDT's DBG members
Registered banks
Total number of registered banks: 27
| Name of registered bank | Registration date | Name of credit rating agency and rating | ||
|---|---|---|---|---|
| Standard & Poor's | Fitch | Moody's | ||
| ANZ Banking Group (New Zealand) Limited ANZ National Bank Limited ANZ Bank New Zealand Ltd |
1 April 1987 Amended 28 June 2004 Amended 29 October 2012 |
AA- | A+ | A1 |
| ASB Bank Limited | 11 May 1989 | AA- | A+ | A1 |
| Australia and New Zealand Banking Group Limited (B) | 5 January 2009 | AA- | A+ | Aa3 |
| Baroda (New Zealand) Limited Bank of Baroda (New Zealand) Limited |
1 September 2009 Amended 1 September 2009 |
- | BBB- | - |
| Bank of China Limited (B) | 29 March 2018 | A | A | A1 |
| Bank of China (New Zealand) Limited | 21 November 2014 | A | - | A1 |
| BOI (New Zealand) Limited Bank of India (New Zealand) Limited |
31 March 2011 Amended 31 March 2011 |
- | BBB- | - |
| Bank of New Zealand | 1 April 1987 | AA- | A+ | A1 |
| China Construction Bank Corporation (B) | 21 December 2017 | A | A | A1 |
| China Construction Bank (New Zealand) Limited | 15 July 2014 | - | A | A1 |
| Citibank N A (B) | 22 July 1987 | A+ | A+ | Aa3 |
| Commonwealth Bank of Australia (B) | 23 June 2000 | AA- | A+ | Aa3 |
| Heartland Building Society Heartland Bank Limited |
17 December 2012 Amended 31 January 2013 |
- | BBB | - |
| Industrial and Commercial Bank of China (New Zealand) Limited | 19 November 2013 | A | - | A1 |
| Industrial and Commercial Bank of China Limited (B) | 18 May 2020 | A | - | A1 |
| JPMorgan Chase Bank NA (B) | 1 October 2007 | A+ | AA | Aa2 |
| Kiwibank Limited | 29 November 2001 | - | AA | A1 |
| Kookmin Bank (B) | 14 July 1997 | A+ | A | Aa3 |
| The Bank of Tokyo-Mitsubishi, Ltd. The Bank of Tokyo-Mitsubishi UFJ, Ltd MUFG Bank, Ltd (B) |
1 March 2004 Amended 4 January 2006 Amended 1 April 2018 |
A | A- | A1 |
| Cooperative Rabobank U.A. trading as Rabobank Nederland (B) | 1 April 1996 Amended 12 January 2016 |
A+ | A+ | Aa2 |
| Rabo Wrightson Finance Limited Rabobank New Zealand Limited |
7 July 1999 Amended 15 September 1999 |
A | - | - |
| Southland Building Society | 7 October 2008 | - | BBB | - |
| PSIS Limited The Co-operative Bank Limited |
26 October 2011 Amended 26 October 2011 |
- | BBB | - |
| The Hongkong and Shanghai Banking Corporation The Hongkong and Shanghai Banking Corporation Limited (B) |
22 July 1987 Amended 16 January 2001 |
AA- | AA- | Aa3 |
| Taranaki Savings Bank Limited TSB Bank Limited |
8 June 1989 Amended 29 November 1989 |
- | A- | - |
| Westpac Banking Corporation (B) | 1 April 1987 | AA- | A+ | Aa3 |
| Westpac New Zealand Limited | 31 October 2006 | AA- | A+ | A1 |
Non-bank deposit takers (NBDTs)
| Name of licensed NBDT | Date licensed | Name of credit rating agency | Rating and outlook |
|---|---|---|---|
| Christian Savings Limited (previously licensed as Christian Savings Incorporated) | 01-09-2017 | Fitch Ratings | BB+, Stable |
| Credit Union Auckland | 03-02-2015 | Equifax | CCC+, Negative |
| FE Investments Limited (in receivership) | 16-03-2015 | n/a | Credit ratings have been withdrawn |
| Finance Direct Limited | 13-02-2015 | n/a | Exempt* |
| First Credit Union Incorporated | 05-03-2015 | Fitch Ratings | BB, Stable |
| Fisher & Paykel Credit Union | 08-12-2014 | n/a | Exempt* |
| General Finance Limited | 13-02-2015 | Equifax | BB, Stable |
| Gold Band Finance Limited | 29-04-2015 | Equifax | B+, Stable |
| Heretaunga Building Society | 23-12-2014 | n/a | Exempt* |
| Liberty Financial Limited | 17-04-2015 | Standard & Poor’s | BBB-, Positive |
| Mutual Credit Finance Limited | 27-03-2015 | n/a | Exempt* |
| Nelson Building Society | 23-03-2015 | Fitch Ratings | BB+, Stable |
| Police and Families Credit Union | 12-11-2014 | Equifax | BB+, Stable |
| Unity Credit Union | 19-12-2014 | Fitch Ratings | BB, Negative |
| Wairarapa Building Society | 08-04-2015 | Fitch Ratings | BB+, Stable |
| Xceda Finance Limited | 11-03-2015 | Equifax | B, Stable |
* Not required to have a rating by virtue of the Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2016
Banks' Designated Business Group (DBG) members*
| Name of DBG member | |
|---|---|
| ANZ Custodial Services New Zealand Limited | ANZ DBG |
| ANZ Investment Services (New Zealand) Limited |
ANZ DBG |
| ANZ New Zealand Investments Limited |
ANZ DBG |
| ANZ New Zealand Investments Nominees Limited |
ANZ DBG |
| OneAnswer Nominees Limited |
ANZ DBG |
| ASB Group Investments Limited |
ASB DBG |
| ASB Management Services Limited | ASB DBG |
| ASB Nominees Limited |
ASB DBG |
| ASB Securities Limited |
ASB DBG |
| CBA Investments (No 4) Limited |
ASB DBG |
| Securitisation Management Services Limited |
ASB DBG |
| BNZ Investment Services Limited |
BNZ DBG |
| Citigroup Global Markets New Zealand Limited | Citi New Zealand DBG |
| Heartland PIE Fund Limited |
Heartland DBG |
| J.P.Morgan Securities Australia Limited |
JP Morgan DBG |
| Kiwibank Investment Management Limited |
Kiwibank DBG |
| BT Funds Management (NZ) Limited |
Westpac DBG |
| Westpac Securitisation Management NZ Limited | Westpac DBG |
*Reporting entities can form a DBG to rely on other members to conduct some AML functions. Membership is based on the criteria specified in the AML/CFT Act 2009 and requires a notification to be sent to the Reserve Bank of New Zealand.