|Oct 2017||Oct 2018||Jun 2019||Jul 2019||Aug 2019||Sep 2019||Oct 2019|
|Non-bank lending institutions2||2,060||2,538||2,872||2,890||2,920||2,944||2,981|
|Personal consumer ($m)|
|Non-bank lending institutions2||5,065||5,452||5,641||5,646||5,656||5,620||5,621|
|Housing and personal consumer ($m)|
|Non-bank lending institutions||7,126||7,990||8,513||8,536||8,576||8,564||8,602|
|Non-bank lending institutions2||4,577||4,598||4,849||4,804||4,815||5,001||4,940|
|Annual growth rate (%)|
|Housing and personal consumer3||6.5||5.8||5.9||5.9||6.0||6.2||6.2|
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.
29 November 2019
In September 2019, a non-bank lending institution reclassified Personal Consumer loans into Business loans. The reclassification values were a reduction of $58m for Personal Consumer loans and an increase of $58m for Business loans. This has resulted in a break in the business and consumer series and the growth rate has been adjusted for this break.
A list of series breaks is available for this table.
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|0||Zero or value rounded to zero|
|light red background||Historical|