Capital Review submissions

During the consultation period for Capital Review Paper 4, “How much capital is enough?”, the Reserve Bank received feedback from 161 submitters. Five submitters asked for their submissions to be published anonymously, while two submitters asked for their submissions to be withheld from publication.

On 1 July 2019 the Reserve Bank published the individual responses received as part of the consultation, where consent to do so was provided by submitters. In some instances, sensitive information relating to an individual’s privacy or personal circumstances have been redacted by the Reserve Bank. These submissions can be accessed below:

Note: some submission files are quite large, please take this into account before downloading. The submissions are best viewed using Google's chrome browser.

Read the Summary of submissions (PDF 399 KB).

Submissions	Name of submitter	Size of PDF
A	Adrian Tocker Alan Jones Alex Tai Alistair Morrison Andrew Bartlett Andrew Body Andrew Hocken Andrew Labrooy Andrew Hamilton Angela Sands Angus Burrows Anonymous - 1 Anonymous - 2 Anonymous - 3 Anonymous - 4 Anonymous - 5 Anthony Everitt Anthony John Gavigan Anurag Shetty ANZ NZ Bank ANZ Banking group ASB Bank	6.26 MB
B to C	Banking Ombudsman Scheme Ben Thirkell-White Benno and Ann Schmitt Benton Macdonald Bill Foster BNZ Brent Sheather Brett Tawse Bruce Merrett Bryan and Annette Beeston Buddle Findlay Business Central / Wellington Chamber of Commerce BusinessNZ Callum Streeter Chapman Tripp Charlie Haswell Chris Carswell Clayton Dias Councillor Raf Manji	6.94 MB
D to F	Dairy Holdings Dairy Women's Network DairyNZ Dan McGuire Daryl Brand David and Rebecca Whillans David Geary David Hanna David King Deutsche Bank Domestic Banks - Kiwi, SBS, Coop, TSB Doug Widdowson Earl White Eric Constantine Fax McKernan Federated Farmers Fiona Gray Fonterra Forsyth Barr	16.16 MB
G to I	G Slappendel Gareth Vaughan Genworth Geof Mortlock Gordon Stuart Graeme Berryman Graeme Legg Hall Harbour Asset Management Heartland Bank Horticulture NZ feedback Iain Parker Ian Harrison INFINZ Infrastructure New Zealand Infratil	12.28 MB
J to L	Jesse Reynolds John Halkett John McClelland John Oliver John Powell Jon McClane Jonathan Vodanovich Judd de la Roche Kay Robertson Keith Poore Kiwibank KPMG Laurie Lowther Leon Dale Lloyd Logan Guild Luca Colosimo Lynette Williams	6.36 MB
M	M. A. Lawler Mark Lyons Martien Lubberink Martin Taylor Matt Colvin Mel Meridian Energy Michael Reddell Michael Reynolds Michael Taylor Mike Whittaker Murray Burdan Murray Jackson	1.6 MB
N to O	NAB NERA Economic Consulting Nick Georgiev Nick Robinson NZ Initiative NZBA NZIPIM NZX Oliver Saint	10.99 MB
P to R	Patrick Dempsey Patrick Kerr Paul Carman Paul David Martin Peter Hein Garrick Peter Lomas Peter Robinson Peter Stickings Peter Thomson Rabobank Renata Blair Richard Trouson Richard Wilson Rob Benden Rob Morris Robbie Cullen Robert Heywood Ron Rosenberg Russell McVeagh	3.52 MB
S to T	Salvation Army Sarah Watson Simon Tyler Springwater Agri Stephen Leavy Stephen Ryan Steve Napier Steve Pryce Sue Matthews Synlait Milk Submission Thomas Benham Tobi Cohen Tracey Bowen Tracey Nieuwelaar TSB Community Trust submission Turley Farms	4.57 MB
V to Y	Valera Virendra Kumar Gupta Wayne Buck Westpac Group Westpac New Zealand Limited Window Treatments W Teutenberg Yang Zhang	1.52 MB

Banks news & updates

Jul 2019 Banks

On 1 July 2019 the Reserve Bank published a summary of submissions, alongside redacted submissions, to its consultation paper on proposed changes to capital requirements for banks.

Go to the capital review consultation page.

Apr 2019 Banks

On 8 April 2019 the Reserve Bank published a consultation paper seeking feedback on the proposed framework for identifying domestic systemically important banks (D-SIBs).

Go to the D-SIB consultation page

Dec 2018 Banks

On 20 December 2018 the Reserve Bank published a revised version of “Framework for Restrictions on High-LVR Residential Mortgage Lending” (BS19), to take effect at the same time as changes in the LVR limits.

Go to the loan-to-valuation ratio restrictions page.

Dec 2018 Banks

On 14 December 2018 the Reserve Bank published a consultation paper seeking feedback on proposed reforms to the amount of regulatory capital required of locally incorporated banks.

Go to the capital review consultation page

Oct 2018 Banks

On 23 October 2018 the Reserve Bank published a consultation paper proposing changes to the reporting and publishing of breaches by banks.

Go to public disclosure of banks' breaches consultation page.

Capital Review submissions

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