Non banks: Funding and claims by sector (T4)

This data shows the funding and claims of non-bank lending institutions, by sector. Claims in this data refers to financial claims or loans.
29 October 2021 03:00 p.m.
Next release
31 January 2022 03:00 p.m.
Reserve Bank of New Zealand
Previous years: Quarterly:
Sep 2019 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
D1 Funding
D1.1 Agriculture 6 5 6 6 5 5
D1.16 Finance 4,904 6,511 6,323 6,304 6,462 6,610
D1.19 Property and business services 174 206 194 195 201 229
D1.20 Government administration and defence 853 850 853 853 853 854
D1.27 Household1 2,980 3,114 3,112 3,164 3,172 3,237
D1.28 Non-residents 3,799 4,750 4,837 4,853 4,976 4,989
D1.29 Unallocated 265 187 183 192 170 253
D1.30 Total 12,981 15,625 15,509 15,568 15,840 16,178
D2 Claims
D2.1 Agriculture1 357 673 684 684 688 732
D2.16 Finance - excluding registered banks 31 38 37 37 36 31
D2.17 Finance - registered banks 1,063 1,632 1,558 1,331 1,326 1,337
D2.19 Property and business services 1,457 1,718 1,713 1,789 1,862 1,985
D2.20 Local Authorities 17 15 14 18 16 17
D2.25 Household - housing 1,953 2,188 2,294 2,454 2,688 2,837
D2.26 Household - consumer 4,721 5,347 5,401 5,294 5,240 5,046
D2.28 Non-residents 74 44 57 36 49 47
D2.29 All other business 3,531 5,352 5,255 5,255 5,309 5,532
D2.30 Total 13,203 17,006 17,013 16,896 17,213 17,564
Securitised assets administered
CC1.12 Household - consumer 890 817 844 837 850 862
E8.10 Household - housing 1,018 1,240 1,302 1,402 1,612 1,784
Total sector lending
Agriculture1 357 673 684 684 688 732
Business1 4,988 7,070 6,968 7,044 7,171 7,518
Housing1 2,971 3,428 3,597 3,856 4,300 4,621
Consumer1 5,610 6,164 6,246 6,131 6,089 5,908
  1. A list of series breaks for Household Funding and Sector Lending are available in the background notes.

The data: coverage, periodicity, and timeliness

Coverage characteristics

Since December 2004, the Bank has conducted a survey of non-bank financial institutions (NBLIs). NBLIs are financial institutions whose principal business is credit provision and borrowing money from the public and/or other sources.

NBLIs with total assets $100m or above are surveyed quarterly, while NBLIs with assets less than $100m but greater than $5m are surveyed annually with quarterly values being imputed. Total assets are calculated at the consolidated group level.

Data is sourced from the Non-Bank Standard Statistical Return (SSR).

Figures are aggregates of each data cell of the actual survey templates. Data are in millions of New Zealand dollars and are collected as at the last business day of the quarter.

The NBLI SSR does not include group investment funds, unit trusts and various fund managers, friendly societies and life insurance-related intermediaries. This class of NBLI is included in the Bank’s quarterly and annual managed funds survey.

The assets and liabilities summary present a summarised balance sheet, excluding securitised loan assets and counterpart funding. Funding and claims are broken down by maturity or sector.

Balance sheet figures reported by the surveyed financial institutions conform to generally accepted accounting practice adopted by the institutions. In particular, values may be at book or ‘marked to market’ according to appropriate practice for the instruments involved.

Where possible the resident/non-resident distinction in these tables is based on the geographical location of respondents and counterpart transactions. To facilitate statistical reporting however, the New Zealand income tax rules on residency are accepted as an approximation, and are the predominant definition.


Quarterly, as at the last business day.


On or before the last business day of the month after the end of the reference quarter.

Access by the public

Statistics release calendar

The Statistics Release Calendar is updated and released on the last working day of the month. This is a long-term plan of scheduled releases.


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

Data are collected under Sections 36 and 93 of the The Reserve Bank of New Zealand Act 1989 (The Act).

The Reserve Bank of New Zealand publishes only aggregated data. Individual institutional data is confidential.

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

Provisional data are italicised. Data are deemed provisional when a series is under review. New data, or revised data, are in bold font. 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.


Dissemination of documentation on methodology and sources used in preparing statistics

An Excel Template is completed and returned by NBLIs.

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

Deposit-taking finance companies and savings institutions provide prospectus disclosure annually, in addition to statutory reports, which enable checks for reasonableness.

Series breaks

Series breaks occur when NBLI data are affected by survey changes that are not 'organic' but arise from one period to another because of factors such as the sale of assets; merger with another institution or a change in substance in business practice that interrupts a 'like for like' time series comparison.

Series breaks for key balance sheet components for all non-bank lending institutions are displayed in a separate data fie.

Household securitised assets

Under International Financial Reporting Standards (IFRS), securitised assets form part of NBLI balance sheets. However, securitised household loans are not included in total assets in the NBLI SSR, nor is the counterpart funding included in liabilities (in table T1).

To calculate the total asset and liabilities of NBLIs the counterpart funding (CC1.12 and E8.10 in table T4) must be added to total liabilities (A6 in table T1) and total assets (A15 in table T1). Note that securitised business loans and their corresponding liabilities on the other hand are included in table T1.

1-2 Funding and claims

D1 is a sectoral breakdown of A1.5, NZD funding in table T31, and D2 is a sectoral breakdown of A10.7, NZD claims in table T1.

The sectors are defined by the ANZSIC code. The sectors defined here represent a two digit classification, with the addition of household and non-resident sectors (not in the ANZSIC code).

The ANZSIC code is allocated to institutions on the basis of the activity in which a majority of full-time equivalent employees are engaged. It is the activity of the customer, not purpose of the loan that drives classification. For example, a company whose principal business is timber milling, but has a trucking division and borrows to buy trucks, should still have the truck loan entered against its timber milling ANZSIC number, 2311, because this is a customer classification.

D1.16 & D2.16 Finance

This sector includes deposits from, and loans to, ‘financial institutions'.

The exception is paper bought that represents a secondary claim on the household sector. Non-bank lending institutions may buy paper such as mortgage backed securities and short-term asset-backed paper for consumer durables issued by other primary lenders. We do not want this paper classified in D2.25 or D2.26, but want it to remain in Finance, along with loans to and claims on financial institutions excluding registered banks

D2.25 Household - housing

This sector includes all residential mortgage loans to personal customers. ‘Lifestyle' loans on farmlets are classified housing or farming according to the category used by non-bank lending institution. It excludes business lending secured on a residential property.

D2.26 Household - consumer

This sector includes loans, whether or not secured by mortgage, which have been separately identified as being for personal customers, but are not housing – e.g. boat or car purchase, travel etc., and all credit card lending.

D1-2.28 Non-residents

A non-resident withholding tax (NRWT) ‘flag' is used to non-residents. The tax definition is used for convenience - it is not ideal for monetary policy data. The ideal relates to the location of the customer, to accord with international conventions used for balance of payments and other cross-border data collection purposes. Therefore, entities that are clearly located overseas, (but are classed as New Zealand residents for tax purposes), are treated as non-residents if their transactions are usually separately identified as ‘non-resident'. Companies incorporated in New Zealand are regarded as New Zealand residents.

These totals are the same as A1.3 for funding and A10.5 for claims in table T1.

Symbols and conventions for summary table

0 Zero or value rounded to zero
- Not applicable
.. Not available
bold Revised/new
italics Provisional
light red 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.