| Previous years: | Monthly: | ||||||
|---|---|---|---|---|---|---|---|
| Apr 2024 | Apr 2025 | Dec 2025 | Jan 2026 | Feb 2026 | Mar 2026 | Apr 2026 | |
| Housing ($m) | |||||||
| Total | 359,329 | 375,287 | 390,591 | 392,315 | 393,606 | 395,637 | 397,016 |
| Registered banks1 | 353,261 | 370,232 | 385,637 | 387,327 | 388,598 | 390,573 | 391,964 |
| Non-bank lending institutions2 | 6,068 | 5,055 | 4,954 | 4,988 | 5,008 | 5,065 | 5,052 |
| Personal consumer ($m) | |||||||
| Total | 14,713 | 14,537 | 14,645 | 14,634 | 14,664 | 14,535 | 14,455 |
| Registered banks | 7,687 | 7,533 | 7,594 | 7,525 | 7,524 | 7,414 | 7,331 |
| Non-bank lending institutions2 | 7,026 | 7,004 | 7,051 | 7,109 | 7,141 | 7,121 | 7,125 |
| Housing and personal consumer ($m) | |||||||
| Total | 374,042 | 389,824 | 405,236 | 406,949 | 408,270 | 410,173 | 411,471 |
| Registered banks | 360,948 | 377,765 | 393,231 | 394,852 | 396,121 | 397,987 | 399,295 |
| Non-bank lending institutions | 13,093 | 12,059 | 12,005 | 12,097 | 12,148 | 12,185 | 12,176 |
| Business ($m) | |||||||
| Total | 134,786 | 136,694 | 142,668 | 142,853 | 142,758 | 142,664 | 142,612 |
| Registered banks | 125,492 | 127,181 | 132,833 | 133,043 | 132,963 | 132,804 | 132,877 |
| Non-bank lending institutions2 | 9,294 | 9,513 | 9,835 | 9,810 | 9,795 | 9,860 | 9,735 |
| Agriculture ($m) | |||||||
| Total | 62,599 | 61,997 | 63,302 | 63,348 | 63,393 | 63,636 | 62,188 |
| Annual growth rate (%) | |||||||
| Housing3 | 3.1 | 4.4 | 5.7 | 5.8 | 5.8 | 5.9 | 5.8 |
| Personal consumer3 | 3.0 | 0.5 | 1.9 | 2.1 | 2.1 | 1.5 | 1.3 |
| Housing and personal consumer3 | 3.1 | 4.3 | 5.6 | 5.7 | 5.7 | 5.7 | 5.6 |
| Business3 | 1.6 | 1.6 | 4.0 | 3.4 | 3.5 | 4.1 | 4.3 |
| Agriculture3 | 0.7 | -1.5 | 0.4 | 1.0 | 1.6 | 2.5 | 0.3 |
Series break in NBLI consumer lending
29 August 2025
In June 2025, a non-bank lending institution revised its reporting of consumer lending data. This has resulted in a series break adjustment in consumer lending, totalling $274m.
If you have any questions, please contact [email protected].
View all Registered banks and non-bank lending institutions Special Notes
The data: coverage, periodicity, and timeliness
Coverage
Lending by registered banks and non-bank lending institutions (NBLIs) for the following purposes:
- housing
- personal consumer
- business
- agriculture.
Data is sourced from our Bank Balance Sheet Survey and Non-bank Standard Statistical Return.
The Bank Balance Sheet Survey started 31 December 2016. Before this, data was estimated from the 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.
View Table S31 – Loans by purpose
Non-bank sector lending can also be found in table T4. Note that we publish data for this table quarterly.
View Table T4 – Funding and claims by sector
Periodicity and Timeliness
We publish data on the last working day of the month.
Access by the public
Data Release
View data in our Statistics section
Statistics release calendar
The statistics release calendar provides a long-term 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 Section 36 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 post a special note on the website.
We post any major changes in methodology on the website as a special note.
Quality
Dissemination of documentation on methodology and sources used in preparing statistics
See the Survey template and definitions.
Dissemination of statistics that support statistical cross-check and provide assurance of reasonableness
Disclosure statements published by registered banks offer checks for reasonableness.
Series breaks
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 are adjusted for series breaks.
Series breaks for key balance sheet components for registered banks and non-bank lending institutions (NBLIs) are displayed for these tables.
Registered banks and non-bank lending institutions
Registered banks
Consolidated banking group of banks operating in New Zealand that are registered by us.
Non-bank lending institutions (NBLIs)
NBLIs are financial institutions with total assets of $5 million or more at the consolidated group level, whose principal business is credit provision and borrowing money from the public and/or other sources.
Loan purpose
Housing
Housing comprises:
- owner-occupier property use
- residential investor property use.
Personal consumer loans
Personal or consumer loans that are not fully secured on residential property, including overdrafts, credit cards and term loans.
Business loans
Business loans comprise:
- loans (for business use) to non-financial businesses that are fully secured by residential mortgage
- loans to non-financial businesses that not fully secured by residential mortgage.
Excludes agriculture loans.
Agriculture loans
Business loans for agriculture purposes (ANZSIC06) including:
- dairy farming
- sheep, beef cattle and grain farming
- horticulture
- other agriculture on farm.
Does not include any loans to the agriculture industry for residential investor property use.
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.