| Previous years: | Monthly: | ||||||
|---|---|---|---|---|---|---|---|
| Nov 2022 | Nov 2023 | Jul 2024 | Aug 2024 | Sep 2024 | Oct 2024 | Nov 2024 | |
| Transaction balances ($m) | |||||||
| Total | 128,874 | 115,570 | 115,096 | 113,869 | 114,934 | 115,426 | 118,256 |
| Household transaction balances ($m) | |||||||
| Total | 47,536 | 39,416 | 38,555 | 37,080 | 37,873 | 38,687 | 37,974 |
| $0 - 1,000 | 1,145 | 1,182 | 1,260 | 1,179 | 1,149 | 1,240 | 1,169 |
| $1,001 - 10,000 | 6,577 | 6,671 | 7,324 | 6,696 | 6,638 | 6,945 | 6,591 |
| $10,001 - 50,000 | 11,584 | 10,926 | 10,997 | 10,667 | 10,829 | 10,914 | 10,756 |
| $50,001 - 100,000 | 6,450 | 5,547 | 5,330 | 5,187 | 5,350 | 5,389 | 5,297 |
| $100,001 - 250,000 | 8,139 | 6,429 | 6,019 | 5,871 | 6,114 | 6,185 | 6,108 |
| $250,001 - 1,000,000 | 9,774 | 6,489 | 5,823 | 5,595 | 5,961 | 6,113 | 6,061 |
| $1,000,001 - 5,000,000 | 3,343 | 1,818 | 1,546 | 1,553 | 1,601 | 1,662 | 1,713 |
| $5m+ | 524 | 354 | 256 | 331 | 232 | 238 | 280 |
| Other transaction balances ($m) | |||||||
| Total | 81,338 | 76,155 | 76,541 | 76,788 | 77,062 | 76,739 | 80,282 |
| $0 - 1,000 | 83 | 85 | 90 | 92 | 84 | 84 | 84 |
| $1,001 - 10,000 | 1,257 | 1,291 | 1,322 | 1,313 | 1,242 | 1,260 | 1,246 |
| $10,001 - 50,000 | 4,530 | 4,428 | 4,352 | 4,248 | 4,194 | 4,145 | 4,231 |
| $50,001 - 100,000 | 4,016 | 3,763 | 3,504 | 3,353 | 3,412 | 3,385 | 3,511 |
| $100,001 - 250,000 | 7,000 | 6,331 | 5,894 | 5,574 | 5,622 | 5,713 | 6,048 |
| $250,001 - 1,000,000 | 13,001 | 11,592 | 10,724 | 10,195 | 10,337 | 10,515 | 11,071 |
| $1,000,001 - 5,000,000 | 14,532 | 13,099 | 12,517 | 12,308 | 12,419 | 12,632 | 13,128 |
| $5m+ | 36,918 | 35,566 | 38,137 | 39,704 | 39,751 | 39,005 | 40,963 |
| Savings balances ($m) | |||||||
| Total | 116,272 | 112,393 | 110,970 | 108,794 | 109,284 | 110,012 | 112,536 |
| Household savings balances ($m) | |||||||
| Total | 82,156 | 79,158 | 79,110 | 78,431 | 79,520 | 79,869 | 80,933 |
| $0 - 1,000 | 497 | 513 | 537 | 526 | 517 | 534 | 518 |
| $1,001 - 10,000 | 5,376 | 5,639 | 5,892 | 5,852 | 5,835 | 5,876 | 5,847 |
| $10,001 - 50,000 | 16,760 | 17,396 | 17,797 | 17,766 | 17,873 | 17,957 | 18,091 |
| $50,001 - 100,000 | 11,818 | 11,871 | 11,983 | 11,896 | 12,006 | 12,057 | 12,234 |
| $100,001 - 250,000 | 17,112 | 16,560 | 16,571 | 16,503 | 16,700 | 16,815 | 17,122 |
| $250,001 - 1,000,000 | 21,342 | 19,183 | 18,784 | 18,627 | 18,956 | 19,016 | 19,337 |
| $1,000,001 - 5,000,000 | 7,936 | 6,776 | 6,365 | 6,213 | 6,389 | 6,391 | 6,568 |
| $5m+ | 1,315 | 1,220 | 1,181 | 1,049 | 1,244 | 1,222 | 1,216 |
| Other savings balances ($m) | |||||||
| Total | 34,115 | 33,234 | 31,860 | 30,363 | 29,763 | 30,142 | 31,603 |
| $0 - 1,000 | 30 | 30 | 30 | 31 | 27 | 28 | 27 |
| $1,001 - 10,000 | 445 | 443 | 446 | 443 | 414 | 408 | 410 |
| $10,001 - 50,000 | 2,013 | 1,989 | 1,973 | 1,916 | 1,840 | 1,814 | 1,872 |
| $50,001 - 100,000 | 2,069 | 1,991 | 1,943 | 1,878 | 1,821 | 1,821 | 1,890 |
| $100,001 - 250,000 | 3,828 | 3,919 | 3,922 | 3,802 | 3,638 | 3,659 | 3,823 |
| $250,001 - 1,000,000 | 7,958 | 8,079 | 8,079 | 7,907 | 7,620 | 7,684 | 7,994 |
| $1,000,001 - 5,000,000 | 8,616 | 8,395 | 8,236 | 7,848 | 7,740 | 7,980 | 8,346 |
| $5m+ | 9,157 | 8,389 | 7,231 | 6,537 | 6,663 | 6,750 | 7,240 |
| Term deposit balances ($m) | |||||||
| Total | 176,220 | 207,248 | 217,736 | 220,383 | 220,514 | 221,942 | 224,208 |
| Household term deposits ($m) | |||||||
| Total | 113,108 | 138,489 | 150,746 | 152,637 | 154,465 | 154,968 | 155,807 |
| $0 - 10,000 | 1,166 | 1,654 | 1,835 | 1,854 | 1,855 | 1,855 | 1,852 |
| $10,001 - 50,000 | 13,981 | 17,266 | 18,675 | 18,890 | 19,002 | 19,066 | 19,133 |
| $50,001 - 100,000 | 15,224 | 19,009 | 20,642 | 20,886 | 21,045 | 21,166 | 21,269 |
| $100,001 - 250,000 | 26,298 | 32,209 | 35,244 | 35,650 | 36,064 | 36,275 | 36,467 |
| $250,001 - 1,000,000 | 37,228 | 45,169 | 49,358 | 49,947 | 50,657 | 50,915 | 51,275 |
| $1,000,001 - 5,000,000 | 16,020 | 18,984 | 20,572 | 20,829 | 21,290 | 21,334 | 21,431 |
| $5m+ | 3,193 | 4,197 | 4,421 | 4,581 | 4,554 | 4,358 | 4,380 |
| Other term deposits ($m) | |||||||
| Total | 63,111 | 68,759 | 66,990 | 67,746 | 66,048 | 66,974 | 68,401 |
| $0 - 10,000 | 82 | 92 | 92 | 92 | 82 | 81 | 80 |
| $10,001 - 50,000 | 1,447 | 1,505 | 1,458 | 1,449 | 1,331 | 1,322 | 1,312 |
| $50,001 - 100,000 | 1,817 | 1,965 | 1,977 | 1,967 | 1,798 | 1,794 | 1,783 |
| $100,001 - 250,000 | 3,888 | 4,336 | 4,437 | 4,461 | 4,140 | 4,169 | 4,180 |
| $250,001 - 1,000,000 | 10,841 | 12,055 | 12,362 | 12,405 | 11,691 | 11,664 | 11,776 |
| $1,000,001 - 5,000,000 | 15,141 | 15,874 | 16,412 | 16,411 | 15,921 | 15,864 | 16,413 |
| $5m+ | 29,895 | 32,931 | 30,252 | 30,962 | 31,086 | 32,080 | 32,856 |
Reclassification in deposits by sector
31 October 2024
In September 2024, a registered bank reclassified resident deposits from business to the household sector, totalling approximately $2.8b
If you have any questions, please contact [email protected]
The data: coverage, periodicity and timeliness
Coverage characteristics
We source data from our Balance Sheet Survey.
- 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
- S37 Banks: Assets – Agriculture 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 – Asset quality by business size
Most data starts from 31 December 2016 when the Bank Balance Sheet Survey replaced the Standard Statistical Return (SSR). However, some data has been backdated to provide long-run consistent data. The back series has been estimated using data from the SSR. Asset quality data starts from March 2018.
Data is reported at market values, where applicable, and 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.
Periodicity and timeliness
We publish data on the last working day of the month.
Access by the public
Statistics release calendar
The statistics release calendar provides a long-term plan of scheduled releases. We update it 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 262 of the Reserve Bank of New Zealand Act (2021) and 93 of the Reserve Bank of New Zealand Act 1989.
Provision of information about revisions and advance notice of major changes in methodology
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.
Quality
Dissemination of documentation on methodology and sources used in preparing statistics
The survey template and definitions are available.
Dissemination of statistics that support statistical cross-check and provide assurance of reasonableness
Registered banks publish disclosure statements that offer checks for reasonableness.
Assets
Cash (notes and coin)
All currency held by registered banks. Includes both notes and coins issued or authorised by the Reserve Bank of New Zealand (RBNZ) and all foreign currency notes and coin held that has been issued or authorised by offshore central banks or governments.
Deposits (with depository institutions)
Deposits are amounts which are redeemable or withdrawable from another bank or financial institution and are not debt securities or held as available for sale.
Demand deposits
Demand balances are amounts which are redeemable or withdrawable from another bank or financial institution on demand (balances are on call) and are not debt securities or held as available for sale.
Other deposits
Other deposits comprise all claims, other than demand deposits, that are represented by evidence of deposit. Includes all time or term deposits that have a maturity of greater than 1 day and also includes cash collateral placed in relation to derivative trades.
Debt securities
Debt securities are negotiable instruments serving as evidence of a debt; can be bought or sold between two parties and have basic terms defined, such as notional amount (amount borrowed), interest rate and maturity/renewal date. Debt securities include government bonds, corporate bonds, CDs, local body bonds, preference stock, collateralised securities and zero-coupon securities. Includes both Available for sale and Trading securities.
Available-for-sale securities
Available for sale securities that are non-derivative financial assets that are designated as available for sale.
Trading securities
Trading securities are financial instruments acquired principally for selling in the short-term or securities that are part of a portfolio which is managed for short term profit-taking. Trading securities are held at fair value with gains and losses being recorded in profit or loss in accordance with NZ GAAP.
Loans and
advances
Loans and advances (or receivables) are financial assets with fixed or determinable payments that are not quoted in an active market. Loans are financial assets that (1) are created when a creditor lends funds directly to a debtor, and (2) are evidenced by non-negotiable documents.
Other net adjustments for loans and advances
Adjustments currently included in ‘Net loans & advances’ as reported in Disclosure Statements.
Securities purchased under agreement to resell
Securities purchased under agreement to re-sell with counterparties (including with the RBNZ).
Shares and other equity investments
Shares are referred to as equity and represent ownership of part of a company. Shares can be listed, unlisted or units in investment funds.
Derivatives in an asset position
Derivatives are instruments that derive their value from an underlying asset, an underlying liability, an index, or reference rate. Derivatives in an asset position are contracts where the market value of the closing position is positive at the reporting date.
Other assets
All other assets not classified including insurance assets, accounts receivable, dividends receivable, tax assets, property plant & equipment, goodwill and intangibles.
Liabilities
Deposits
Deposits are standard, non-negotiable contracts open to the public that allow the placements of variable amounts of funds and the later withdrawal. Deposits exclude any debt securities but include redeemable shares issued by building societies to customers.
Transaction balances
These include balances where the purpose of the account is primarily for making transactions or "every day" banking by customers. Balances are on call.
Savings balances
These include balances where the purpose of the account is primarily for saving. For some balances disincentives may apply if used for transaction purposes i.e. a “penalty” may apply such as loss of bonus interest. Balances are on call.
Term deposit balances
Customer time or term deposits with a maturity of greater than one day.
Other net adjustments for deposits
Adjustments currently included in ‘Total deposits’ as reported in Disclosure Statements.
Debt securities (issued)
Debt securities are negotiable instruments serving as evidence of a debt; can be bought or sold between two parties and have basic terms defined, such as notional amount (amount borrowed), interest rate and maturity/renewal date. Debt securities issued include CDs, preferred stock, collateralised securities (such as CDOs, CMOs, GNMAs) and zero-coupon securities. Includes Short-term, Subordinated, and Other long-term debt securities.
Debt securities issued comprises securities issued in New Zealand and issued offshore.
Short-term debt securities ( ≤ one year)
Debt securities that have an original term to maturity of 1 year or less.
Subordinated debt securities ( > one year)
Tradable subordinated debt securities (not loans) as defined under the Basel Capital Adequacy framework including those held by parents and related parties.
All other long-term debt securities ( > one year)
All other debt securities that have an original term to maturity of greater than one year.
Other net adjustments for debt securities
Adjustments currently included in ‘Total debt securities’ as reported in Disclosure Statements.
Borrowings
Borrowing is a loan to the bank. A loan is a financial liability created when funds are borrowed directly from a lender and are evidenced by documents that are not negotiable. Includes Subordinated and Other borrowed funds. Also includes Securities sold under agreement to repurchase.
Subordinated loans
Subordinated loans as defined under the Basel Capital Adequacy framework.
Securities sold under agreement to repurchase
Securities sold under agreements to repurchase with banks (including with the RBNZ).
All other borrowed funds
All other borrowing from parents (except subordinated borrowings and subordinated debt securities), cash collateral received in relation to derivative trades, and all other funding not classified as deposits or securities.
Other net adjustments for borrowings
Adjustments currently included in ‘Total borrowing’ as reported in Disclosure Statements.
Derivatives in a liability position
Derivatives are instruments that derive their value from an underlying asset, an underlying liability, an index or reference rate. Derivatives in a liability position are contracts where the market value of the closing position is negative at the reporting date.
Other liabilities
All liabilities not already classified.
Equity
Ordinary shares
Ordinary share capital on issue.
Preference shares
Preference shares have a priority over dividend payments and to the assets of the reporting company.
Reserves
Profits that are not distributed to shareholders as dividends but are kept as a reserve for specific purposes.
Retained earnings
Profits that are not distributed to shareholders as dividends but are reinvested in the bank.
Other
Any equity not separately identified including branch capital.
Sector
Residents
Persons, companies and other entities that are ordinarily domiciled or have a principal centre of economic interest in New Zealand.
Financial businesses
This sector consists of resident financial institutions that mainly pursue financial services.
The major subsectors are:
- Reserve Bank of New Zealand
- Registered banks
- Other depository institutions
- Other financial institutions.
Non-financial businesses
Non-financial businesses consist of resident business enterprises that produce goods and non-financial services to sell at competitive market prices that are sufficient to generate a profit or surplus in the long term. Includes residential investor property use loans.
General government
General government comprises:
- Central government
- Local government.
Central government
Central government includes organisational units of central government responsible for functions such as taxation, law and order, defence, and those responsible for advancing the economic and social well-being of the country in other ways.
Local government
This sector consists of territorial authorities and regional councils, as well as other non-market units and non-profit institutions they control. They are responsible for functions such as town planning, providing local infrastructure, libraries, museums, and sports grounds.
Non-profit institutions serving households (NPISH)
This sector includes organisations that provide goods or services to their members, or to other households, without charge or at prices that are not economically significant.
The main kinds of organisations included are:
- Community and social groups
- Philanthropic organisations.
Households
This sector includes individuals, family trusts and estates.
Non-residents
Persons, companies and other entities that are ordinarily domiciled or have a principal centre of economic interest in a country other than New Zealand. Includes Financial institutions abroad, Sovereign abroad, Non-financial business abroad, and Households abroad.
Sovereign abroad
Non-New Zealand sovereigns, Supranational, and quasi-sovereign entities.
Financial institutions abroad
This sector consists of non-resident financial institutions that mainly pursue financial services.
Non-financial business abroad
Includes non-resident business enterprises that produce goods and non-financial services to sell at competitive market prices that are sufficient to generate a profit or surplus in the long term.
Households abroad
This sector includes individuals, family trusts and estates ordinarily domiciled or have a principal centre of economic interest in a country other than New Zealand.
Other abroad
All other non-resident entities not already classified.
Loan purpose
Housing
Housing comprises:
- Owner occupier property use
- Residential investor property use.
Owner occupier property use
Owner occupiers are borrowers who own or are in the process of buying or building the house or flat they will live in as their principal place of residence. An owner can occupy more than one property e.g. a family home and a holiday home. Only households can have owner occupier property use loans.
Residential investor property use
Investors are entities or persons borrowing for the purpose of building or purchasing residential property to rent. This includes ‘Mum and dad’ investor loans and any person(s) that have a separate residential investor property use loan which is not for their normal business purpose.
Personal consumer loans
Personal or consumer loans which 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.
Commercial property
Includes:
- Investment property
- Property development – commercial
- Property development – residential.
Investment property
Includes primarily commercial property for capital value appreciation and associated cash flows.
Property development – commercial
Includes primarily construction of office, retail or other commercial developments.
Property development – residential
Includes primarily residential sub-division and residential apartment developments.
Other business
All other business loans that are not for commercial property. Excludes agriculture loans.
Agriculture loans
Business loans to the agriculture industry (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.
Financial institutions loans
Loans to financial institutions. Does not include any loans to financial institutions for residential investor property use.
Other loans
All other loans to general government. non-profit institutions serving households.
Loan product
Interest only
Loans that have no scheduled principal repayment. This does not include revolving credit loans that have a fixed limit or revolving credit loans that have a scheduled reducing limit.
Revolving credit
Revolving credit loans are loans that have a fixed limit but no scheduled principal repayment. Such loans can be redrawn and paid back repeatedly within approved limits without further credit approval. This does not include revolving credit loans that have a scheduled reducing limit.
Principal and interest
Loans that have scheduled principal repayment, e.g. table loans. This includes revolving credit loans that have a scheduled reducing limit.
Overdraft (personal consumer)
Available balance is below zero (overdrawn).
Credit cards (personal consumer)
Outstanding loans originated and still managed via credit cards.
Term loans (personal consumer)
Loan that is repaid in regular payments over a set period of time. Does not include term loans fully secured by residential property.
All other loans
All other loans and advances not included elsewhere.
Loans fully secured by residential mortgage
Loans fully secured by residential mortgage
Loans secured by a mortgage over a residential property. Excludes loans cross collateralised between residential property and other assets where the share attributable to the residential property cannot be identified.
Owner occupier property use
Owner occupiers are borrowers who own or are in the process of buying or building the house or flat they will live in as their principal place of residence. An owner can occupy more than one property e.g. a family home and a holiday home.
Residential investor property use
Investors are entities or persons borrowing for the purpose of building or purchasing residential property to rent. This includes ‘Mum and dad’ investor loans and any person(s) that have a separate residential investor property use loan which is not for their normal business purpose.
Business loans secured by residential property
Business lending where the only security type is a residential mortgage loan. The borrower declares that the loan is for business purposes as part of the loan application. Excludes loans cross collateralised between residential property and other assets where the share attributable to the residential property cannot be identified.
Loan repricing
Floating
Floating rate loans where the interest rate can or does change the following business day and offset loans.
Fixed
All other loans that are not floating or non-interest bearing, which are reporting in the bucket in which the interest rate resets. Loans are reported on a non-amortised basis i.e. the fully outstanding loan principal is reported in the time bucket in which the loan’s interest rate is re-priced or reset.
ANZSIC
ANZSIC 2006
The Australian and New Zealand Standard Industrial Classification (ANZSIC) 2006 is used to compile and analyse industry statistics in New Zealand and Australia.
Data for loans by (ANZSIC) industry (S34) will not align with loans by sector (S30) or purpose (S31:
- Loans by (ANZSIC) industry (S34) includes securities purchased under agreement to resell (repos).
- Loans to the Public administration and safety industry does not include crown entities (S34). Loans to crown entities are included in the General government sector (S30).
- Loans to ACC and EQC are included in the Insurance industry (S34). Loans to ACC and EQC are included in the General government sector (S30).
- Loans to District Health Boards (DHBs) are included in the Health care & social assistance industry (S43). Loans to DHBs are included in the General government sector (S30).
- Loans to the Agriculture industry includes loans for residential investor property use and loans to crown entities involved in agriculture (S34). The loans for Agriculture purposes does not include residential investor property use or loans to crown entities involved in agriculture (S31).
- Loans to the Rental, hiring & real estate surveys includes loans for Residential investor property use (S34).
Loans by business size
Loans by business size
Business loans are categorised by the size of their business turnover. Further guidance on loans by business size can be found in the Bank Balance Sheet definitions. Business loans by size is a breakdown of business loans in Table S31.
Small
Turnover less than $1m.
Medium
Turnover greater than $1m and less than $50m.
Large
Turnover greater than $50m.
SME
Small and medium enterprise loans.
Loans by asset quality
Total loans
Gross loans and advances.
Impaired loans
A loan or advance is impaired when one or more events occur that cause a lender to believe they will not receive all of the future principal and interest repayments that have been contractually agreed with the borrower. These events could include: the borrower entering significant financial difficulty or bankruptcy; the borrower failing to make repayments as required and the loan becoming past due; the contractual agreement between the lender and borrower being restructured or amended; the borrower breaching covenants or other terms and conditions that have been contractually agreed with the lender.
Loans 90 days past due but not impaired
A loan or advance is past due when the borrower fails to make a payment (of principal and/or interest) when that payment was contractually due. When a borrower has failed to make repayments on a loan for 90 or more days, that loan is 90 days past due.
Total non-performing loans
The total value of loans and advances that are 90 days past due plus impaired loans.
Non-performing loans ratio (%)
Ratio of total non-performing loans to total loans.
Individual provisions
An allowance for expected credit impairment loss on individual loans and advances where the borrower is having difficulty servicing the loan, or where a loan or advance becomes non-performing.
Collective provisions
An allowance for anticipated credit impairment loss from groups of loans and advances.
Difference to other published tables
The tables S50 Loans by Asset Quality and S51 Asset Quality by Business Size will not align with series published in table S31 Loans by Purpose due to business loans fully secured by residential property not being collected with a detailed Asset Quality breakdown. Business loans fully secured by residential property are published in Table S33 Loans fully secured by residential mortgage, by time until next repricing.
Deposits by repricing
Repricing
Deposits are reported in buckets according to when the deposit is due to mature or to be repriced i.e. when the interest rate is reset.
On call
Includes all deposits with balances which are either readily available to be withdrawn or can be withdrawn at short notice. All deposits not bearing interest are also included here.
Households
Includes resident & non-resident households.
Business
Includes all resident & non-resident non-financial business, as well as resident SOEs, mixed ownership & CCOs. Agriculture deposits are also included within business deposits.
Other
Includes all other resident & non-resident counterparties such as financial institutions, government, non-profit institutions and other abroad deposits.
Deposits by size (value and number)
Deposits
Data is based on the value and number of accounts and not by customer. Does not include accounts with “Nil” balances. Deposits are in New Zealand dollars only and do not include foreign currency deposits.
Bucket size
The S45 table denotes the aggregate value of all deposits that have a balance as at the end of the reporting month that is equal to a value within the specified bucket range. The S46 table denotes the number of accounts that form the aggregate values for each bucket.
Households
Includes resident & non-resident households.
Other
Includes all other counterparties such as financial institutions, non-financial business & government. Includes all resident & non-resident deposits held in NZD.
Other
Foreign currency (FX)
The New Zealand dollar equivalent of foreign currency balances.