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Our research programme

Financial stability research

Our Financial Stability Group oversees regulation and supervision of the financial sector. We also conduct analysis that informs our Financial Stability Reports.

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Research interests

Financial system resilience

Investigating how banks and insurers withstand a variety of challenges. This includes stress-testing firms against severe but plausible scenarios to develop their capacity to manage risks.

Prudential policy

Developing and optimising tools and regulations, including capital and liquidity requirements. These regulations help to promote the resilience of regulated firms.

Emerging issues and risks

Assessing potential impacts from emerging trends and risks, such as climate change, artificial intelligence, and cyber risks. We do this to promote preparedness for future risks.

Housing market dynamics

Examining drivers of the housing market, as well as risks and vulnerabilities. We also participate in the Housing Technical Working Group, a joint initiative with Treasury and the Ministry of Housing and Urban Development.

Macro-prudential tools

Developing our approach to tools that restrain high-risk lending, like loan-to-value ratios and debt-to-income restrictions. This includes understanding interactions between tools and unintended consequences.

Granular data

Advancing the collection and analysis of detailed financial data to improve risk monitoring, enabling more precise insights into household and business debt, and lending practices.

Related content

Financial Stability Report

We publish our Financial Stability Report (FSR) every 6 months to assess and report on New Zealand’s financial system.

Stress testing regulated entities

We use stress testing to assess the resilience of banks and insurers to severe but plausible risks, including economic downturns.

Financial stability publications

We regularly publish analysis that informs our Financial Stability Reports.