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 2016 banks directly contributed $6.8 billion to the NZ economy *

In 2016 banks spent $4.8 billion running their businesses in NZ * In 2016 banks paid $1.8 billion in tax * NZ banks have an asset base of $500 billion * In 2016 the return on assets was 1% *

NZ has over 1000 bank branches * NZ has over 2400 bank ATMs *

Loans to business at December 2016 totalled $155.9 billion *

Loans to households at December 2016 totalled $247 billion *

33% of NZ households have a mortgage *

There were 1.54 million home loans in NZ at December 2016 *

Banks’ average net interest margin in 2016 was 2.15% *

NZ banks have an average total capital adequacy ratio of 12.8% *


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

Supporting our farmers

Information about how how banks can help farmers through tough times is available 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

Westpac to chair New Zealand Bankers’ Association


Westpac chief executive David McLean has been elected chair of the New Zealand Bankers’ Association for 2017/18 and took on the role on 1 April. 

Download document on Westpac to chair New Zealand Bankers’ Association

More about Westpac to chair New Zealand Bankers’ Association »


Customers drive banking innovation


This century we’ve seen a massive leap in access to personal digital technology. That’s clearly reflected in how we’re now banking. These technological advances mean we’re managing our money in ways that many did not foresee. What’s behind these changes, and what does the future hold? 

Download document on Customers drive banking innovation

More about Customers drive banking innovation »

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


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Get NZBA news @NZBankers 

Our Members

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

Our Affiliate Members

Bell Gully Buddle Findlay Chapman Tripp Indue MasterCard Minter Ellison Rudd Watts Russell McVeagh Visa