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

Apr 2022 Banks

We have published our responses to feedback received on our consultation on debt serviceability restrictions (DSRs) on residential mortgage lending.

See Debt Serviceability Restrictions summary of submissions

Mar 2022 Banks

To aid transparency of compliance with key bank prudential requirements, we have launched a public material breach register.

See Material breaches of key bank prudential requirements

Mar 2022 Banks

We have updated the document Registered Bank Disclosure Regime (BS7A), which provides explanatory information on the disclosure requirements for registered banks.

See Disclosure requirements for banks in New Zealand

Feb 2022 Banks

We are consulting on changes to banks’ disclosure requirements, to implement dual reporting and make other changes arising from the Capital Review.

See Capital Review: dual reporting and other changes to bank disclosure statements

Jan 2022 Banks

We are proposing to make changes to the assurance reports that are required to accompany registered banks’ public disclosure statements.

See Assurance reports on bank disclosure statements

Capital Review submissions

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