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Banks: Face value of funding by residual maturity (L3)

This data presents the funding obtained by banks (such as deposits and the issuing of bonds), broken down by the remaining term of such funding.

Previous years: Monthly:
Jun 2020 Jun 2021 Feb 2022 Mar 2022 Apr 2022 May 2022 Jun 2022
Total funding by residual maturity
Overnight 200,298 249,199 262,691 266,993 266,055 261,782 258,869
>= 2 days & <= 1 month 29,276 26,588 30,008 27,716 26,370 31,003 27,755
> 1 month & <= 3 months 67,945 58,420 56,386 59,334 63,337 58,038 59,685
> 3 months & <= 6 months 59,970 58,345 56,842 53,008 52,718 57,525 59,517
> 6 months & <= 1 year 45,318 48,711 42,564 46,082 45,646 44,952 46,627
> 1 year & <= 18 months 15,561 10,689 11,657 12,381 13,844 13,006 12,078
> 18 months & <= 2 years 13,980 10,467 13,486 15,149 14,991 15,728 15,905
> 2 years & <= 3 years 14,967 18,276 26,520 26,289 25,307 25,221 26,389
> 3 years & <= 4 years 14,005 10,722 6,628 8,153 8,507 9,204 12,054
> 4 years & <= 5 years 10,707 8,251 12,684 11,515 11,505 10,874 11,948
> 5 years & <= 7 years 4,340 5,847 10,604 10,370 10,614 10,748 11,001
> 7 years & <= 10 years 6,511 6,234 7,376 7,158 7,201 7,174 7,311
> 10 years or undated 597 590 179 172 173 176 180
Total 483,476 512,337 537,623 544,320 546,268 545,432 549,319

The data: coverage, periodicity and timeliness

Coverage characteristics

Data on the value of funding are published as end of month figures in millions of New Zealand dollars. Ratios are published as percentages.




We release data approximately five weeks after the reference month.

Start-date of aggregate statistics

We compile tables L1 and L2 from data required to be reported by registered banks from April 2010, and these are published from that date.

We compile table L3 from data that registered banks are required to report by from March 2011, and it is published from that date.

List of institutions included in published liquidity statistics

All locally incorporated banks are required to provide reports on liquidity to us.

Access by the public

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


Dissemination of terms and conditions under which official statistics are produced, including confidentiality of individual responses

We provide this information as a service to the public.

We collect, monitor and analyse the data in undertaking our prudential supervisory functions. These operations involve liaising with and monitoring financial institutions to ensure effective implementation of policy and the soundness of the financial system.

Individual bank responses are strictly confidential.

Provision of information about revisions and advance notice of major changes in methodology

Provisional data are italicised. New data, or revised data, are in bold font. Data are deemed provisional when a series is under review. This applies to the summary table only and not Excel files. We generally publish revisions when we are next due to update and release the table. Should we need to make revisions more promptly, we will post a special note. We post any major changes in methodology as a special note.


Dissemination of documentation on methodology and sources used in preparing statistics

Definitions of series are available in the Series description.

Our Liquidity Policy specifies the minimum prudential standards for registered banks, addressing the degree of liquidity risk that they take on and their approach to managing that risk.

View the Liquidity Policy

Dissemination of statistics that support statistical cross-check and provide assurance of reasonableness

We publish summary information on bank funding in the Standard Statistical Return monthly (see S tables).

Registered banks are required to publish Disclosure Statements quarterly. We reproduce summary information from these statements.

View our list of registered banks

Last updated December 2014

The definitions below are sourced directly from the Liquidity Policy.

View the Liquidity Policy

Total loans and advances

Total loans and advances (as per BS13) is the figure for loans and advances (net) as reported in the monthly Bank Balance Sheet Survey for the month that is two months prior to the BS13 reporting month.

Total funding

Total funding is the sum of all market and non-market funding.

Non-market funding

Non-market funding means total deposits/debt securities issued by a bank, not falling within the definition of market funding.

Market funding

Market funding is defined as the total of:

  1. deposits/debt securities of a registered bank held by financial institutions or related parties of financial institutions
  2. tradable debt securities issued by a bank not already included in (a) above
  3. any funding received from related parties of a bank not already included in (a) or (b) above
  4. any funding that a bank is unable to or chooses not to allocate between market and non-market funding.

Residual maturity

Residual maturity is the remaining time until the expiration or the repayment of the funding instrument.


The key concept for defining the residency source of funding is the centre of economic interest. An institutional unit or entity is defined as domestic when location exists within the economic territory of the country from which it engages, and intends to continue to engage, in a significant amount of economic activity.


Funding received from an institution or entity with a non-resident withholding tax 'flag' is classified as offshore for the purposes of this report.

Funding received through an agent or nominee, acting on behalf of non-residents, is also identified as offshore funding.

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.