| Previous years: | Monthly: | ||||||
|---|---|---|---|---|---|---|---|
| May 2024 | May 2025 | Jan 2026 | Feb 2026 | Mar 2026 | Apr 2026 | May 2026 | |
| Assets ($m) | |||||||
| Net credit to non-residents (A1-A2) | -109,595 | -112,781 | -120,695 | -122,812 | -116,735 | -113,353 | -113,401 |
| A1. Credit to non-residents | 47,178 | 55,295 | 63,233 | 57,155 | 67,832 | 65,193 | 63,923 |
| A2. Less: Liabilities to non-residents | 156,773 | 168,076 | 183,928 | 179,967 | 184,567 | 178,546 | 177,323 |
| Credit to Reserve Bank (B1 to B9) | 44,095 | 34,406 | 26,731 | 28,545 | 30,364 | 26,050 | 26,851 |
| B1. Currency | 482 | 503 | 825 | 799 | 1,187 | 1,177 | 1,120 |
| B2. Deposits | 43,142 | 33,286 | 25,462 | 27,192 | 27,813 | 23,879 | 25,132 |
| B9. Other credit to Reserve Bank | 471 | 617 | 444 | 555 | 1,364 | 993 | 599 |
| Net credit to central government (C1-C2) | 12,148 | 23,201 | 28,814 | 29,651 | 32,178 | 30,962 | 27,099 |
| C1. Credit to central government | 27,436 | 36,605 | 42,836 | 43,441 | 44,674 | 44,291 | 40,838 |
| C2. Less: Liabilities to central government | 15,288 | 13,404 | 14,023 | 13,790 | 12,496 | 13,329 | 13,739 |
| Private sector credit (D1 to D9) | 567,890 | 588,645 | 610,059 | 612,260 | 614,753 | 612,615 | 615,412 |
| D1. Credit to other financial business | 13,055 | 14,337 | 15,350 | 15,663 | 16,286 | 15,398 | 14,892 |
| D2. Credit to local government | 7,511 | 9,114 | 9,003 | 9,178 | 8,838 | 8,101 | 8,219 |
| D3. Credit to public non-financial business | 1,370 | 1,324 | 1,059 | 1,094 | 1,005 | 909 | 876 |
| D9. Credit to other private sectors | 545,956 | 563,869 | 584,647 | 586,325 | 588,624 | 588,207 | 591,425 |
| Liabilities ($m) | |||||||
| Liabilities to Reserve Bank | 18,082 | 10,284 | 4,905 | 3,451 | 5,274 | 1,612 | 2,387 |
| Transaction deposits included in broad money | 106,732 | 115,464 | 121,061 | 123,888 | 128,930 | 128,784 | 125,728 |
| Other deposits included in broad money | 294,962 | 308,541 | 311,617 | 312,933 | 317,666 | 316,603 | 316,279 |
| Debt securities other than shares included in broad money | - | - | - | - | - | - | - |
| Debt securities excluded from broad money | 33,465 | 35,239 | 43,420 | 43,675 | 44,083 | 43,758 | 44,311 |
| Borrowings | 488 | 469 | 296 | 269 | 367 | 315 | 249 |
| Financial derivatives | 4,529 | 3,659 | 5,200 | 4,297 | 3,878 | 3,855 | 4,079 |
| Equity ($m) | |||||||
| Equity | 63,395 | 66,380 | 68,970 | 69,128 | 68,015 | 68,599 | 69,194 |
| Net other items ($m) | |||||||
| Net other items | -7,114 | -6,565 | -10,560 | -9,996 | -7,654 | -7,253 | -6,265 |
Revisions to historical data
30 August 2024
Today’s publication of Bank Balance Sheet data includes revisions to historical data between March 2024 to June 2024 inclusive, as we now have updated data from our respondents. This has resulted in minor changes to data in:
- C5 Sector lending (banks and non-bank lending institutions)
- C50 Money and credit aggregates (depository corporations)
- C51 Other depository corporations analytical accounts
- C52 Depository corporations analytical accounts
- S10 Banks: Balance sheet
- S30 Banks: Assets – Loans by sector
- S31 Banks: Assets – Loans by purpose
- S32 Banks: Assets – Loans by product
- S33 Banks: Assets – Loans fully secured by residential mortgage by repricing
- S34 Banks: Assets – Loans and Repos by Industry
- S35 Banks: Assets – Loans by business size
- S36 Banks: Assets – Business loans by product
- S40 Banks: Liabilities – Deposits by sector
- S41 Banks: Liabilities – Deposits by industry
- S42 Banks: Liabilities – Deposits by repricing
- S45 Banks: Liabilities – Deposits by size (value)
- S46 Banks: Liabilities – Deposits by size (number)
- S50 Banks: Assets – Loans by asset quality
- S51 Banks: Assets – Business loans by asset quality
If you have any questions, please contact [email protected]
Coverage
Assets of other depository corporations presented as claims on other resident institutional sectors and non-residents, and liabilities presented by category of financial instrument in order of their liquidity.
Other depository corporations comprise of registered banks. We source data from our Bank Balance Sheet Survey of New Zealand registered banks.
Periodicity and timeliness
We publish data on the last working day of the month.
Access by the public
Data release
We release data in our Statistics section
Statistics release calendar
The statistics release calendar provides a plan of scheduled releases. We update and release it on the first working day of the month.
View the statistics release calendar
Integrity
Dissemination of terms and conditions under which official statistics are produced, including confidentiality of individual responses
We collect data under Sections 36 and 93 of the Reserve Bank of New Zealand Act 1989 (the Act).
Read the Reserve Bank of New Zealand Act 1989
We only publish aggregated data. Individual institutional data is confidential.
Provision of information about revisions and advance notice of major changes in methodology
We generally publish revisions when we update and release the next table. Should we need to make revisions more promptly, we will post a special note on the website. We will also post any major changes in methodology as a special note.
Quality
Dissemination of documentation on methodology and sources used in preparing statistics
The analytical accounts are compiled in line with the Monetary and Financial Statistics Manual and Compilation Guide (IMF 2016).
Read the Monetary and Financial Statistics Manual and Compilation Guide
Other depository corporations
Registered banks
Consolidated group of banks operating in New Zealand and registered with us.
Counterparts
Net credit to non-residents
Net credit to non-resident is calculated as credit to non-residents less liabilities to non-residents.
Credit to non-residents
Claims on non-residents by registered banks including:
- debt securities
- loans and repos
- other claims.
Liabilities to non-residents
Liabilities to non-residents from registered banks including:
- deposits
- other liabilities.
Credit to Reserve Bank
Our claims comprise:
- currency
- deposits
- other claims.
Currency
New Zealand dollar notes and coins registered banks hold.
Deposits
Deposits with us.
Our other credit
Our other claims comprises:
- debt securities
- repos
- financial derivatives.
Net credit to central government
Net credit to central government is calculated as credit to central government less liabilities to central government.
Credit to central government
Claims registered banks have on central government including:
- debt securities
- loans and repos
- other claims.
Private sector credit
Private sector credit (also known as claims on other sectors) comprises:
- debt securities
- loans and repos
- other claims.
Debt securities
Debt securities registered banks issue to the private sector:
- ·other financial corporations
- local government
- public non-financial business
- other private sectors.
Loans
Loans and repos registered banks have with the private sector:
- ·other financial corporations
- local government
- public non-financial business
- other private sectors.
Other claims
Other claims (derivatives, equity) registered banks have with the private sector:
- ·other financial corporations
- local government
- public non-financial business
- other private sectors.
Other financial corporations
Insurance companies, pension funds and other non-deposit taking financial institutions.
Local government
Local authorities.
Public non-financial business
Government and local authority trading enterprises.
Other private sectors
Non-financial business, households and non-profit institutions serving households.
Liabilities
Liabilities to Reserve Bank
Our liabilities comprises:
- loans and repos
- financial derivatives.
Transaction deposits included in broad money
Deposit balances where the purpose of the account is primarily for making transactions or ’everyday’ customer banking. Balances are on call.
Other deposits included in broad money
Other deposits in broad money comprises:
- savings deposits
- term deposits.
Savings deposits
Deposit balances where the purpose of the account is primarily for saving. For some balances, disincentives may apply if used for transaction purposes; that is, a ‘penalty’ may apply, such as loss of bonus interest. Balances are on call.
Term deposits
Customer time or term deposits with a maturity of greater than one day.
Debt securities other than shares included in broad money
Short-term debt securities issued by registered banks that are included in broad money.
Debt securities excluded from broad money
Debt securities registered banks issue that are not included in broad money.
Borrowings
Registered banks loans and repos of.
Financial derivatives
Registered banks financial derivatives.
Other
Equity
Funds contributed by registered banks owners, reserves and retained earnings.
Net other items
Other liabilities less other assets, consisting of all liabilities and assets not included elsewhere and inter-bank consolidation adjustment.
Symbols and conventions for summary table
| Symbol or convention | Definition |
|---|---|
| 0 | Zero or value rounded to zero |
| - | Not applicable |
| .. | Not available |
| bold | Revised/new |
| italics | Provisional |
| Light grey background | Historical |
General notes
- Individual figures may not sum to the totals due to rounding
- Percentage changes are calculated on unrounded numbers
- You are free to copy, distribute and adapt these statistics subject to the conditions listed on our copyright page.