The voice of the banking industry working to support a successful banking system that benefits New Zealand

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Code of Banking Practice

Code of Banking Practice

The Code of Banking Practice sets out good banking practices. Members of the New Zealand Bankers' Association agree to observe these practices as a minimum standard to maintain good relationships and communications with their customers.

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Financial literacy

Financial literacy

Financial literacy is the cornerstone of a healthy and vibrant economy and is strongly supported by the New Zealand banking sector. It helps people make informed choices to improve their financial well-being.

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Priority documents (Personal Property Securities Act 1999)

Priority documents (Personal Property Securities Act 1999)

Member banks of the Association have agreed a number of standard form Deeds and Letters of Priority that can be used where two or three lenders have competing interests in a debtor's land or personal property.

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Code of Banking Practice
Financial literacy
Priority documents

Banks employ over 25,000 people in NZ * In 2013 banks directly contributed $6 billion to the NZ economy *

In 2013 banks spent $4.5 billion running their businesses in NZ * In 2013 banks paid $1.5 billion in tax * NZ banks have an asset base of $403 billion * In 2013 the return on assets was 1% *

NZ has around 1200 bank branches * NZ has over 2500 bank ATMs *

Banks’ average net interest margin in 2013 was 2.26%, down from 2.6% in 2003 *

NZ banks have an average total capital adequacy ratio of 12.5% *

Loans to business at December 2013 totalled $131 billion *

Loans to households at December 2013 totalled $190 billion *

33% of NZ households have a mortgage *

There were 1.4 million mortgages in NZ at December 2013 *


Follow us on Twitter

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You and your US tax obligations

Find out about the US Foreign Account Tax Compliance Act and how it might affect you here

You and the money laundering law

All New Zealand banks have introduced enhanced customer identification requirements. Find out more here

Are you ready for retirement? 

The Retirement Commissioner talks to Kiwis about their retirement plans here. What's your story? See more here, and check out Sorted

Unravelling Financial Jargon

This free e-book offers plain language alternatives to explain the specialist language of the financial sector. Download Unravelling Financial Jargon.

Open Bank Resolution

Learn about the Reserve Bank's OBR policy here

Media releases

Guard your card and PIN over the holidays


The New Zealand Bankers’ Association is urging people to beware of card fraud over the holidays. 

Download document on Guard your card and PIN over the holidays

More about Guard your card and PIN over the holidays »


Money and me: Kirk Hope


What does money mean to you?

Careful investment means you and your family can have a wider range of choices in the way that you live your life. That involves understanding the risks you are willing to take with money and making sure that the rewards or returns are real. 

Download document on Money and me: Kirk Hope

More about Money and me: Kirk Hope »

Contact Us

New Zealand Bankers' Association

Telephone: 04 802 3358
Facsimile: 04 473 1698

Level 15
80 The Terrace

P O Box 3043
Wellington 6140

Our Members

ANZ Bank New Zealand Limited ASB Bank Limited Bank of New Zealand The Bank of Tokyo-Mitsubishi UFJ, Ltd. Citibank, N A The Co-operative Bank Limited Heartland Bank Limited The Hongkong and Shanghai Banking Corporation Limited JPMorgan Chase Bank, N A Kiwibank Limited Rabobank New Zealand Limited Southland Building Society Southland Building Society TSB Bank Limited Westpac New Zealand Limited