|Sep 2018||Sep 2019||May 2020||Jun 2020||Jul 2020||Aug 2020||Sep 2020|
|Non-bank lending institutions2||2,519||2,944||3,306||3,322||3,336||3,353||3,357|
|Personal consumer ($m)|
|Non-bank lending institutions2||5,433||5,620||5,319||5,289||5,214||5,221||6,194|
|Housing and personal consumer ($m)|
|Non-bank lending institutions||7,952||8,564||8,625||8,611||8,550||8,574||9,551|
|Non-bank lending institutions2||4,596||5,001||5,194||5,120||5,026||5,090||7,111|
|Annual growth rate (%)|
|Housing and personal consumer3||5.9||6.2||5.3||5.3||5.4||5.5||5.8|
Lending by registered banks and non-bank lending institutions (NBLIs) for the following purposes:
Data is sourced from the Reserve Bank’s Bank Balance Sheet Survey and Non-bank Standard Statistical Return.
The Bank Balance Sheet Survey started in 31/12/2016. Data prior to 31/12/2016 has been estimated from the Bank Standard Statistical Return (SSR).
Data is reported at market values, where applicable, as at the end of the reporting period.
Data covers assets and liabilities denominated in both NZ dollars and foreign currency. Assets and liabilities denominated in foreign currency are converted into New Zealand dollars in accordance with NZ GAAP.
Further breakdown of lending by registered banks can be found in table S31 - Loans by purpose.
Non bank sector lending can also be found in table T4- Funding and claims by sector. Note that data for this table is published quarterly.
Data is published on the last working day of the month.
Data is released on the Reserve Bank’s Statistics section.
The Statistics Release Calendar provides a long-term plan of scheduled releases. It is updated and released on the first working day of the month.
View the Statistics Release Calendar.
Data is collected under Section 36 of The Reserve Bank of New Zealand Act 1989 (The Act).
Read the Reserve Bank of New Zealand Act 1989.
The Reserve Bank of New Zealand publishes only aggregated data. Individual institutional data is confidential.
Revisions are generally published when the table is next due to be updated and released. Should revisions need to be made more promptly, a note is posted on the website as a ‘special note’.
Any major changes in methodology are posted on the website as a special note.
See the Survey template and definitions.
Disclosure statements published by registered banks offer checks for reasonableness.
Series breaks occur when data are affected by survey changes that are not 'organic' but arise from one period to another because of factors such as the introduction of a new bank to the survey; a bank relinquishing its registration; the sale of assets; merger with another institution or a change in substance in business practice that interrupts a 'like for like' time series.
The sector lending annual growth rates have are adjusted for series breaks.
Series breaks for key balance sheet components for registered banks and non-bank lending institutions (NBLIs) (PDF 21KB) are displayed for these tables..
Consolidated banking group of banks operating in New Zealand and registered by the Reserve Bank of New Zealand.
NBLIs are financial institutions with total assets of $5m or more at the consolidated group level, whose principal business is credit provision and borrowing money from the public and/or other sources.
Personal or consumer loans which are not fully secured on residential property including overdrafts, credit cards, and term loans.
Business loans comprise:
Excludes agriculture loans.
Business loans to the for agriculture purposes (ANZSIC06) including:
Does not include any loans to the agriculture industry for residential investor property use.
30 October 2020
On 1st September 2020, ANZ completed the sale of UDC Finance Limited (UDC). Prior to Sep-20, UDC were included in our banking sector statistics as a consolidated entity under ANZ Banking Group Limited. From Sep-20 onwards, UDC will instead be included in our statistics as a non-bank lending institution (NBLI). This change in treatment will result in UDC being excluded from our “Registered Banks” statistics, with the impact on our bank lending stock figures summarised at a total level below:
|Break date||Housing lending||Business lending||Agriculture lending||Consumer lending||Financial Institutions||Other loans|
We do not break adjust the lending stock figures visible in our web tables, and therefore the figures presented show the actual lending stocks as at the end of each month.
We do break adjust annual sector lending growth rates in Table C5. However, as UDC’s lending has moved from banks to non-banks in our statistics, this change alone does not impact the C5 web table growth rates, as these rates cover total sector lending.
Please note there is a separate break of $182m which has been reclassified from business to agriculture, which has resulted in a break adjustment to the business & agriculture growth rates published on the C5 table.
The following tables compare bank lending growth rates calculated from the stock figures in our web tables versus when they have been adjusted for the break in the series.
Break adjusted bank business & consumer annual growth rates:
The Non bank web tables have also been impacted by this adjustment, with UDC now being included in these tables. Break adjusted non-bank business & consumer annual growth rates are shown below:
A list of series breaks are published against our C5, S31 & S32 tables.
The bank balance sheet release for September also includes a key points summary. Some figures in this summary have been break adjusted to account for the new treatment of UDC in our statistics.
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|0||Zero or value rounded to zero|
|light red background||Historical|