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NZ trading bank leverage

The data on this page is sourced directly from each bank's quarterly Disclosure Statement (DS or GDS). 'Leverage' refers to the number of times the total assets of a bank (principally their loans and advances to clients) are larger than the shareholder's investment (including retained earnings) in the bank.

You can read our Opinion about what this data means to New Zealand here >>

It is the job of the Reserve Bank to regulate banks, and they report on how they are doing in their half-yearly Financial Stability Reports.

From March 2018, the new RBNZ Dashboard data release powers our Key Bank Metrics tool. That is here.

De-risking banks is an important public task, and shareholders are going to need to accept lower returns when that happens.

 

Updated 26 Aug 2024
                  
(see Notes below) ANZ ASB BNZ Heartland Kiwibank Rabo
bank		 SBS TSB Westpac Co-op Totals
  times  times   times times   times   times  times  times times  times times

Leverage:
the number of times Assets exceed shareholder funds
 
 
 
 
  
 
Show older
Mar-08 12.0 20.0 14.3   22.4 23.1 15.6 12.5 11.8   13.8
Jun-08
11.9
 18.6
14.7
  
22.2
21.1
15.9
12.4
12.4
  
13.8
Sep-08
11.7
 24.2
16.3
  
27.3
21.2
15.6
12.4
14.5
  
15.4
Dec-08
13.2
 24.3
19.2
  
32.3
22.3
17.0
12.1
11.1
  
15.5
Mar-09
12.5
 23.7
17.9
  
27.9
22.7
16.3
12.6
14.9
  
15.7
Jun-09
11.8
 20.7
18.6
  
29.2
24.5
15.9
12.4
14.8
  
15.2
Sep-09
11.7
 20.4
18.7
  
28.0
24.8
15.6
12.6
14.5
  
15.1
Dec-09
11.1
 19.5
16.9
  
28.6
26.0
15.3
12.9
14.4
  
14.5
Mar-10
10.8
 18.7
16.9
  
26.8
25.0
14.8
13.3
14.4
  
14.2
Jun-10
10.5
 17.9
17.2
  
20.8
26.0
14.4
13.1
13.8
 11.8
13.8
Sep-10
11.1
 17.4
17.4
  
21.3
11.6
14.2
13.0
13.6
 11.7
13.9
Dec-10
10.7
 16.7
17.4
  
21.6
11.2
13.9
13.3
13.6
 13.7
13.5
Mar-11 10.9 16.0 16.9   23.3 11.3  13.9 13.5
13.7
 13.7
13.6
Jun-11 10.7 16.0 17.2    22.8 11.2 13.7 13.3 13.2 13.6 13.5
Sep-11 11.0 16.6 17.0   23.4 11.8 13.6 13.1 13.5 13.9 13.7
Dec-11 10.2 16.3 15.3   20.6 11.4 13.4 13.1 11.9 12.8 12.7
Mar-12 10.6 16.0 15.3   20.1 11.1 13.2 13.1 11.8 13.0 12.8
Jun-12 10.5 15.2 13.9   19.7 11.8 12.6 12.7 12.2 12.7 12.5
Sep-12 11.1 14.8 13.9   19.3 10.4 12.9 12.5 11.9 12.7 12.5
Dec-12 10.9 13.9 13.8   18.8 10.3 12.4 12.4 11.8 12.5 12.3
Mar-13 10.7 13.5 13.5   18.3 10.1 12.2 12.4 11.3 12.2 12.0
Jun-13 10.8 13.2 13.6   17.7 10.0 12.1 12.1 10.9 11.2 11.9
Sep-13 10.5 12.8 13.2   17.7 9.1 12.6 12.2 10.7 11.3 11.6
Dec-13 10.3 12.6 13.4   17.5 9.2 12.2 12.1 11.2 11.3 11.6
Mar-14 10.5 12.4 13.2 6.6 16.8 8.7 11.9 11.9 11.0 11.3 11.6
Jun-14 10.4 13.2 13.7 6.6 16.6 8.8 11.7 11.5 11.5 11.5 11.8
Sep-14 10.9 14.1 13.9 6.7 16.6 9.7 11.7 11.4 11.6 11.6 12.2
Dec-14 10.6 14.1 13.3 6.9 16.5 8.5 11.6 12.2 12.1 12.0 12.1
Mar-15 11.6 13.5 12.4 7.1 17.5 8.5 11.7 11.9 11.8 12.0 12.2
Jun-15 12.2 14.1 12.7 7.5 17.8 8.7 12.7 11.7 11.8 12.3 12.6
Sep-15 11.8 13.8 12.3 7.5 18.3 9.0 13.1 11.3 12.5 12.5 12.7
Dec-15 11.6 13.3 12.4 6.9 17.7 8.4 13.2 11.3 12.4 12.7 12.4
Mar-16 12.6 12.3 12.2 7.0 17.7 8.3 13.1 11.6 12.7 13.0 12.6
Jun-16 12.4 12.0 12.7 7.0 17.1 8.4 13.1 11.4 12.7 13.2 12.5
Sep-16 12.7 12.4 13.2 7.1 16.9 8.2 14.1 11.3 13.2 13.4 12.8
Dec-16 12.0 12.1 14.1 7.4 15.5 8.3 15.1 11.3 13.2 13.2 12.7
Mar-17 12.2 12.3 13.8 7.2 17.5 8.0 15.6 11.6 13.0 13.0 12.6
Jun-17 12.1 12.0 14.2 7.1 14.9 8.0 16.6 11.6 12.6 14.1 12.4
Sep-17 12.0 12.0 13.7 7.5 14.7 7.9 14.1 11.8 12.9 14.3 12.4
Dec-17 11.8 11.9 14.2 6.7 14.4 7.7 14.1 11.9 12.6 14.4 12.4
Mar-18 12.1 12.2 13.6 6.9 14.1 7.5 15.6 12.1 12.4 14.5 12.4
Jun-18 12.1 12.2 14.4 6.8 13.9 7.5 14.7 11.9 12.1 14.6 12.4
Sep-18 12.1 12.0 13.5 7.2 13.8 7.6 14.6 11.8 12.3 14.4 12.2
Dec-18 12.0 11.8 14.0 6.8 14.4 7.6 14.5 11.9 12.3 14.1 12.2
Mar-19 12.0 12.1 13.6 6.9 14.6 7.6 14.6 12.0 12.7 14.1 12.3
Jun-19 11.7 12.6 13.6 6.8 14.7 7.7 14.4 11.8 12.3 14.3 12.3
Sep-19 11.7 13.2 13.8 7.2 15.1 7.6 14.6 11.8 13.0 14.6 12.5
Dec-19 11.5 12.5 13.4 7.4 15.2 7.5 14.3 11.8 12.9 14.4 12.2
Mar-20 12.1 13.8 13.7 7.4 16.0 7.6 14.9 12.0 14.4 14.7 13.0
Jun-20 11.7 13.3 13.5 7.2 16.2 7.3 14.1 11.9 13.8 14.5 12.6
Sep-20 11.3 12.9 13.0 6.9 16.6 7.2 13.5 12.0 13.4 14.3 12.3
Dec-20 11.4 12.9 13.2 6.9 16.6 7.2 12.9 12.1 13.4 14.3 12.4
Mar-21 10.9 12.7 12.4 6.6 16.3 7.2 12.4 12.1 13.1 14.0 11.9
Jun-21 11.4 12.3 12.4 6.9 15.8 7.0 11.8 12.0 12.9 13.9 12.0
Sep-21 10.9 13.0 12.1 6.8 16.6 7.0 11.6 12.0 13.4 13.6 12.0
Dec-21 11.0 12.5 12.3 6.9 15.0 7.0 11.5 12.2 13.4 13.3 11.9
Mar-22 11.2 12.1 11.8 7.2 14.2 7.1 11.3 12.4 13.8 12.9 11.9
Jun-22 10.9 12.2 11.9 7.2 14.3 7.5 11.3 12.2 13.5 12.6 11.8
Sep-22 11.3 12.4 11.9 7.5 14.2 7.4 11.2 12.1 13.6 12.5 11.9
Dec-22 10.7 12.0 11.8 7.5 14.5 7.4 11.3 12.2 13.5 12.5 11.6
Mar-23 10.6 11.8 11.2 7.8 14.6 7.4 11.9 12.3 13.7 12.7 11.5
Jun-23 10.4 11.9 11.2 7.6 14.6 7.2 11.7 12.6 13.1 12.8 11.3
Sep-23 10.5 11.6 11.0 8.1 13.4 7.2 11.9 12.8 13.4 13.0 11.3
Dec-23 10.5 12.2 10.6 8.2 13.9 7.0 12.7 12.8 12.0 13.6 11.1
Mar-24 10.5 11.8 10.1 8.4 13.9 7.0 12.4 12.7 12.1 13.3 11.0
Jun-24 10.3 11.5 10.3 5.2 14.0 7.0 12.3 12.5 11.6 13.3 10.7

 

(see Notes below) ANZ ASB BNZ Heartland Kiwibank Rabo
bank		 SBS TSB Westpac Co-op Totals
  % p.a  % p.a   % p.a  % p.a   % p.a   % p.a  % p.a  % p.a % p.a  % p.a % p.a

Shareholder returns:
NPATx at % of avg Shareholders Funds for previous 12 months 

  
 
 
 
 
 
  
 
Show older
Mar-08 13.7 17.2 21.0   12.5 11.7  9.4  16.1  17.7   16.1
Jun-08
13.9
 15.7
20.1
  
12.5
12.6
8.5
15.9
16.6
  
15.7
Sep-08
 12.3 
 15.4
19.7
  
11.6
14.2
6.4
 16.4 
15.3
  
14.7
Dec-08
10.9
 16.4
21.7
  
13.2
11.7
6.6
15.3
13.1
  
14.1
Mar-09
9.7
 15.2
19.1
  
14.8
14.4
7.6
15.0
10.2
  
12.4
Jun-09
7.6
 15.2
0.1
  
19.7
7.4
8.6
15.4
7.0
  
7.4
Sep-09
2.9 
 7.0
-4.7
  
19.8
5.6
7.9
15.4
6.2
  
 3.2
Dec-09
3.2
 5.7
-4.4
  
16.4
3.3
9.1
16.0
4.7
  
 2.9
Mar-10
1.7
 5.6
-4.3
  
14.9
4.0
8.8
15.7
5.4
  
 2.4
Jun-10
3.3 
 7.0
14.7
  
10.0
5.8
 7.5
13.6
7.1
  
 6.8
Sep-10
7.8 
 14.5
15.1
  
8.0
10.8
9.0
12.3
7.2
  
10.1
Dec-10
7.9
 14.6
12.1
  
6.5
15.8
9.2
11.5
8.4
  
9.9
Mar-11 9.0 14.8 11.1   4.1 11.8 7.4 11.4
8.8
 5.8
10.1
Jun-11 9.1 14.7 10.3    3.5  12.4 8.0 12.0 8.6 4.8 9.9
Sep-11 10.3 13.8 16.4   4.9 9.5 6.5 12.1 10.1 3.6 11.5
Dec-11 11.5 16.7 18.9   7.2 8.0 6.1 12.6 10.4 2.9 12.5
Mar-12 11.4 17.3 17.3   10.1 8.8 5.7 12.5 10.6 4.5 12.3
Jun-12 12.3 17.1 17.2   11.3 10.8 6.6 12.8 11.3 5.2 12.9
Sep-12 11.9 16.6 11.7   12.4 10.6 6.1 12.8 10.7 5.7 11.7
Dec-12 11.0 15.8 8.1   12.9 10.5 6.0 12.6 10.8 5.4 10.7
Mar-13 12.1 15.4 9.9   12.7 10.3 6.3 12.5 11.3 4.3 11.6
Jun-13 12.1 14.9 10.9   11.8 9.2 5.5 12.3 11.1 3.6 11.5
Sep-13 12.2 14.8 12.6   11.0 8.6 5.9 10.8 11.4 3.9 11.9
Dec-13 12.9 14.8 13.8   10.4 8.2 6.1 10.6 12.6 4.6 12.6
Mar-14 13.6 14.8 13.9   9.7 7.5 6.8 10.8 12.8 5.1 12.9
Jun-14 13.5 15.2 13.4   10.6 7.7 7.0 10.7 14.1 5.5 13.4
Sep-14 14.4 15.7 15.0   11.1 11.0 8.2 11.4 14.4 5.7 14.4
Dec-14 14.6 16.2 15.3   11.8 9.4 8.3 4.7 14.1 5.8 14.3
Mar-15 14.6 16.4 16.0 11.1 12.3 9.6 8.0 5.2 14.3 6.0 14.5
Jun-15 14.9 16.6 16.7 11.1 12.3 9.1 8.8 4.7 13.8 6.0 14.7
Sep-15 14.8 16.3 15.7 11.1 12.1 6.8 7.8 7.1 14.0 4.3 14.4
Dec-15 13.9 16.1 14.6 11.6 12.2 8.4 7.6 12.7 13.9 6.6 14.0
Mar-16 13.3 15.4 14.0 11.5 12.0 8.6 8.2 11.3 13.7 6.7 13.5
Jun-16 13.1 14.7 12.8 11.7 11.5 9.5 8.7 8.6 13.4 6.6 13.1
Sep-16 12.1 14.4 12.7 11.8 10.7 9.6 9.8 9.0 12.9 6.5 12.6
Dec-16 12.4 14.1 13.3 11.2 9.9 6.7 10.4 9.0 13.1 6.6 12.7
Mar-17 12.6 14.5 12.6 11.5 9.2 6.6 10.4 8.0 12.5 6.2 12.6
Jun-17 12.6 15.0 13.6 11.4 4.2 5.3 10.0 7.4 12.6 6.4 12.7
Sep-17 13.6 15.3 13.8 11.3 3.9 7.1 8.5 7.8 13.3 6.4 13.3
Dec-17 14.5 15.4 14.5 10.9 2.4 7.5 8.4 7.1 13.1 6.4 13.7
Mar-18 14.4 15.2 14.6 10.6 4.0 7.7 8.5 8.6 13.2 5.9 13.4
Jun-18 14.7 15.4 14.1 10.6 8.8 7.5 8.6 9.0 13.1 5.8 13.9
Sep-18 14.8 15.3 14.9 10.6 9.0 7.5 9.8 8.2 12.8 5.6 13.8
Dec-18 14.4 15.3 14.3 10.6 9.8 6.7 10.0 8.6 12.9 5.3 13.6
Mar-19 14.5 16.0 15.2 10.9 8.3 6.3 9.5 7.0 13.6 4.9 13.9
Jun-19 14.5 15.9 15.7 11.3 7.0 5.5 9.5 6.9 13.4 4.7 13.9
Sep-19 13.1 16.1 13.3 11.7 6.5 5.5 9.3 6.9 13.0 3.6 13.0
Dec-19 12.3 15.7 12.8 12.6 6.2 5.5 8.6 6.6 12.2 3.7 12.4
Mar-20 11.3 14.1 10.4 12.3 5.7 5.0 5.6 4.6 9.5 2.6 10.7
Jun-20 10.1 12.2 8.6 11.7 3.6 5.4 5.3 3.9 7.5 3.0 9.2
Sep-20 8.9 11.6 9.0 12.1 3.5 5.6 6.0 3.6 7.3 4.2 8.7
Dec-20 8.7 12.2 9.5 10.8 3.8 5.8 7.3 3.4 8.5 4.8 9.1
Mar-21 9.5 13.6 12.0 10.8 5.1 6.6 11.2 6.0 10.4 7.3 10.6
Jun-21 10.2 15.2 13.1 11.2 7.5 7.0 12.2 6.5 11.9 7.4 11.7
Sep-21 11.7 15.9 14.1 10.9 7.8 7.3 11.8 6.5 11.3 7.9 12.4
Dec-21 12.1 16.1 14.2 12.0 7.4 7.8 10.9 6.1 10.7 7.6 12.6
Mar-22 12.4 15.6 13.8 12.1 6.7 7.5 10.3 5.3 10.7 5.2 12.4
Jun-22 12.8 15.5 13.9 13.2 6.4 7.5 8.8 5.2 11.0 4.7 12.6
Sep-22 13.1 15.7 13.4 12.6 7.1 7.5 8.3 4.5 12.1 4.3 12.8
Dec-22 13.2 15.4 13.7 12.3 7.4 7.4 8.2 4.6 12.2 4.4 12.9
Mar-23 12.5 15.1 13.7 11.9 7.6 8.0 7.7 4.5 11.5 3.4 12.5
Jun-23 12.3 15.0 13.3 10.6 7.5 8.1 7.5 3.5 11.6 3.1 12.3
Sep-23 12.1 13.9 13.2 10.7 7.6 8.3 7.1 3.5 11.7 2.7 9.0
Dec-23 11.4 13.8 12.6 9.0 7.5 8.4 6.4 3.9 11.3 2.5 11.6
Mar-24 12.1 13.8 12.0 7.0 7.6 8.5 8.3 4.4 11.8 4.8 11.8
Jun-24 12.1 13.5 12.1 5.5 7.8 8.3 8.1 4.9 11.5 4.7 11.7

 

This data is calculated from the following ...

 

(see Notes below) ANZ ASB BNZ Heartland Kiwibank Rabo
bank		 SBS TSB Westpac Co-op Totals
   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil  NZ$mil   NZ$mil

Total Assets:

  
 
  
 
 
 
 
 
  
 
Show older
Mar-08 112,514 58,043 58,958   6,618 4,933 2,426 3,169 48,988   295,649
Jun-08
114,896
 59,350
60,243
  
7,230
5,241
2,565
3,282
51,015
  
303,822
Sep-08
122,915
 62,933
64,209
  
8,183
5,534
2.612
3,404
54,509
  
324,299
Dec-08
132,127
 65,343
76,086
  
9,430 
6,015
2,565
3,651
55,951
  
351,168
Mar-09
127,941
 65,530
73,301
  
9,759
6,303
2,541
3,832
54,368
  
343,575
Jun-09
121,896
 65,230
70,175
  
10,371
6,582
2,565
3,924
54,584
  
335,327
Sep-09
117,891
 64,784
69,862
  
10,786
6,847
2,612
4,056
54,509
  
331,347
Dec-09
115,103
 64,650
67,732
  
12,019
6,936
2,661
4,300
55,357
  
328,758
Mar-10
113,577
 64,581
67,268
  
12,076
7,107
2,628
4,405
56,254
  
327,896
Jun-10
113,258
 63,557
68,005
  
 12,238 
7,376
2,581
4,418
55,200
 1,409
328,042
Sep-10
116,458
 64,751
69,647
  
12,642
7,103
2,572
4,485
55,179
 1,422
334,259
Dec-10
113,803
 63,496
68,634
  
12,969
7,178
2,826
4,721
56,293
 1,452
331,372
Mar-11 114,313 63,189 68,668    13,846 7,361  2,814  4,850
57,695
 1,452
334,188
Jun-11 115,603  63,050 69,468    13,875 7,410 2,838 4,913 56,887 1,458 335,502
Sep-11 119,012 63,254 74,085    14,731 7,963 2,849 4,977 60,656 1,453 348,980
Dec-11 114,784 65,451 71,487   14,386 7,866 2,845 5,150 67,124 1,459 350,552
Mar-12 115,313 64,396 71,716   14,652 7,933 2,842 5,164 67,885 1,451 351,352
Jun-12 119,282 63,537 72,929   14,745 8,718 2,788 5,193 69,580 1,474 358,246
Sep-12 121,449 63,234 73,111   14,983 8,999 2,878 5,236 68,822 1,480 360,192
Dec-12 121,982 65,309 74,032   15,232 9,090 2,832 5,381 70,068 1,516 365,442
Mar-13 119.077 65,588 72,798   15,371 9,116 2,830 5,429 69,660 1,522 361,391
Jun-13 122,669 66,570 76,109   15,209 9,274 2,871 5,472 69,177 1,526 368,877
Sep-13 120,438 66,757 75,310   15,664 9,576 2,813 5,559 70,512 1,559 368,188
Dec-13 121,610 67,522 75,663   16,112 9,788 2,810 5,684 72,369 1,603 373,161
Mar-14 123,825 68,612 76,922 2,446 16,427 9,436 2,788 5,682 73,148 1,623 378,463
Jun-14 125,874 68,380 76,033 2,390 16,676 9,795 2,789 5,655 73,861 1,672 388,234
Sep-14 128,915 69,694 79,685 2,453 16,972 10.163 2,828 5,736 74,449 1,713 397,419
Dec-14 129,845 70,551 79,813 2,568 17,161 10,659 2,829 5,908 76,861 1,780 402,628
Mar-15 135,357 72,674 82,083 2,648 18,054 11,219 2,862 5,912 77,199 1,806 414,623
Jun-15 146,428 75,903 85,816 2,798 18,344 10,772 3,098 5,991 79,899 1,849 436,849
Sep-15 147,527 77,104 86,787 2,852 18,813 11,219 3,167 6,208 79,925 1,907 441,610
Dec-15 148,369 77,523 86,984 3,344 18,996 10,772 3,290 6,299 82,049 1,983 445,810
Mar-16 157,156 80,880 90,078 3,389 19,373 10,805 3,412 6,427 82,515 2,041 462,377
Jun-16 160,332 81,606 92.093 3,547 19,357 11,076 3,510 6,475 84,714 2,121 471,230
Sep-16 160,819 84,735 92,541 3,655 19,540 11,117 3,548 6,522 86,307 2,194 473,727
Dec-16 157,701 86,986 94,137 3,820 20,008 11,307 3,745 6,629 90,381 2,271 479,570
Mar-17 155,801 87,919 94,023 3,896 20,428 11,171 3,994 6,802 86,868 2,363 479,667
Jun-17 159,407 88,628 95,324 4,034 20,616 11,312 4,060 6,957 87,129 2,448 479,916
Sep-17 153,973 88,914 95,315 4,222 20,449 11,427 4,237 7,071 88,627 2,527 472,545
Dec-17 156,781 91,374 97,742 4,307 20,381 11,320 4,347 7,278 89,403 2,589 481,221
Mar-18 156,362 92,450 97,065 4,388 20,498 11,319 4.455 7,416 90,290 2,629 482,489
Jun-18 161,510 95,412 101,648 4,495 20,715 11,510 4,500 7,454 91,294 2,660 496,709
Sep-18 159,012 95,759 99,991 4,596 20,935 11,765 4,573 7,526 89,871 2,688 496,719
Dec-18 162,767 97,002 102,536 4,018 22,039 11,977 4,660 7,733 91,703 2,795 507,228
Dec-19 163,373 97,152 103,757 4,054 22,514 12,200 4,754 7,819 93,004 2,786 511,414
Jun-19 164,964 98,467 105,313 4,139 22,734 12,520 4,791 7,920 92,924 2,854 516,627
Sep-19 169,416 102,276 109,111 4,206 23,584 12,509 4,863 8,075 96,676 2,927 533,644
Dec-19 169,733 100,547 108,288 4,262 24,085 12,543 4,948 8,130 97,638 2,948 533,122
Mar-20 183,059 106,595 118,500 4,315 25,249 12,831 4,941 8,179 106,577 2,979 573,226
Jun-20 181,314 105,212 114,452 4,322 25,509 12,492 4,836 8,332 102,987 3,007 562,464
Sep-20 179,744 106,034 112,309 4,287 26,645 12,649 4,842 8,575 103,183 3,047 561,319
Dec-20 186,154 109,230 117,287 4,358 27,283 12,722 4,839 8,761 106,744 3,046 580,442
Mar-21 183,544 112,419 114,314 4,297 27,546 12,889 4,832 8,789 107,594 3,122 579,345
Jun-21 186,803 112,644 118,549 4,419 28,299 12,871 4,789 8,725 109,113 3,171 589,383
Sep-21 184,769 115,498 119,122 4,483 29,379 13,095 4,889 8,780 112,380 3,193 595,588
Dec-21 190,354 116,839 123,038 4,703 30,969 13,296 5,024 8,934 115,836 3,239 612,234
Mar-22 190,491 119,044 124,060 4,857 30,589 13,717 5,219 8,960 117,422 3,194 617,553
Jun-22 193,018 121,522 126,851 5,159 31,547 14,709 5,421 8,925 118,409 3,189 628,750
Sep-22 201,134 124,048 131,420 5,264 32,017 14,814 5,519 8,942 119,818 3,260 646,238
Dec-22 195,601 124,485 130,242 5,409 33,368 15,037 5,771 9,123 122,361 3,330 644,727
Mar-23 188,995 125,614 126,459 5,476 33,505 15,487 6,005 9,144 122,047 3,343 636,076
Jun-23 191,718 126,896 130,406 5,564 33,838 15,318 6,050 9,194 120,408 3,409 642,801
Sep-23 194,289 126,920 130,065 5,714 33,909 15,709 6,256 9,355 122,640 3,466 648,323
Dec-23 197,861 126,445 131,374 5,729 35,393 15,703 6,420 9,420 123,877 3,531 655,753
Mar-24 196,166 126,656 128,928 5,823 35,818 16,058 6,490 9,444 123,846 3,493 652,723
Jun-24 194,751 127,089 128,208 6,291 36,650 16,375 6,509 9,349 122,720 3,509 651,451

 

(see Notes below) ANZ ASB BNZ Heartland Kiwibank Rabo
bank		 SBS TSB Westpac Co-op Totals
   NZ$mil   NZ$mil   NZ$mil  NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil    NZ$mil   NZ$mil

Total shareholder funds:
 
  
 
 
 
 
 
  
 
Show older
Mar-08 9,381 2,900 4,118   295 214 155 253 4,136   21,452
Jun-08
9.655
 3,199
4,096
  
326
248
161
265
4,105
  
22,055
Sep-08
9,807
 2,600
3,933
  
300
261
167
275
3,764
  
21,107
Dec-08
10,036
 2,693
3,953
  
292
270
151
302
5,031
  
22,728
Mar-09
10,252
 2,765
4,087
  
350
277
156
303
3,648
  
21,838
Jun-09
10,333
 3,158
3,770
  
355
268
161
316
3,679
  
22,040
Sep-09
10,088
 3,176
3,745
  
385
276
167
323
3,764
  
21,924
Dec-09
10,366
 3,323
4,006
  
421
266
174
332
3,842
  
22,730
Mar-10
10,532
 3,456
3,975
  
450
285
178
331
3,908
  
23,115
Jun-10
10,797
 3,548
3,956
  
589
284
179
337
3,995
 119
23,804
Sep-10
10,446
 3,726
4,002
  
593
614
181
344
4,048
 121
24,075
Dec-10
10,680
 3,810
3,944
  
600
638
203
354
4,134
 124
24,487
Mar-11 10,492 3,942 4,070   594 652  202 358
4,209
 124
24,643
Jun-11 10,766  3,947   4,032    608 663 207 370 4,316 125 24,834
Sep-11 10,825 3,816 4,349   629 677 209 379 4,496 126 25,506
Dec-11 11,270 4,021 4,672   699 692 213 392 5,624 127 27,710
Mar-12 10,925 4,018 4,673   729 712 215 396 5,751 127 27,546
Jun-12 11,324 4,187 5,247   747 739 221 410 5,708 131 28,714
Sep-12 10,932 4,282 5,277   778 866 223 420 5,796 132 28,706
Dec-12 11,220 4,709 5,379   809 884 229 434 5,945 134 29,743
Mar-13 11,103 4,861 5,403   839 905 232 438 6,141 135 30,057
Jun-13 11,398 5,025 5,581   858 931 238 452 6,353 136 30,972
Sep-13 11,467 5,202 5,687   884 1,047 223 457 6,566 139 31,672
Dec-13 11,832 5,369 5,636   921 1,066 230 471 6,446 142 32,113
Mar-14 11,765 5,535 5,826 372 978 1,086 234 477 6,637 143 32,681
Jun-14 12,153 5,166 5,531 364 1,003 1,114 238 493 6,397 146 32,241
Sep-14 11,781 4,936 5,741 365 1,022 1,346 242 502 6,605 147 32,322
Dec-14 12,211 5,000 6,021 371 1,038 1,171 242 483 6,343 148 32,657
Mar-15 11,625 5,389 6,617 371 1,031 1,196 243 497 6,548 150 33,725
Jun-15 12,045 5,378 6,571 373 1,033 1,222 243 510 6,753 150 34,491
Sep-15 12,453 5,572 7,042 378 1,028 1,247 241 550 6,391 152 35,124
Dec-15 12,796 5,811 7,021 485 1,074 1,276 249 557 6,600 156 36,195
Mar-16 12,440 6,568 7,359 486 1,094 1,305 240 554 6,478 157 36,950
Jun-16 12,886 6,812 7,263 499 1,129 1,325 249 566 6,691 160 37,949
Sep-16 12,710 6,853 7,005 496 1,153 1,350 257 575 6,560 163 36,996
Dec-16 13,093 7,178 6,666 528 1,295 1,366 274 589 6,838 169 37,837
Mar-17 12,773 7,142 6,833 549 1,165 1,392 275 588 6,688 170 37,576
Jun-17 13,202 7,402 6,707 569 1,380 1,420 278 600 6,899 174 38,632
Sep-17 12,781 7,389 6,941 566 1,392 1,445 382 599 6,850 177 37,957
Dec-17 13,294 7,674 6,895 641 1,420 1,476 290 611 7,082 180 38,992
Mar-18 12,933 7,593 7,113 637 1,453 1,500 297 613 7,305 182 38,989
Jun-18 13,403 7,828 7,062 663 1,487 1,530 305 627 7,528 182 39,939
Sep-18 13,109 7,983 7,379 640 1,513 1,558 314 637 7,278 187 40,598
Dec-18 13,527 8,239 7,342 509 1,528 1,579 321 651 7,464 196 41,438
Mar-19 13,591 8,044 7,621 587 1,540 1,604 325 653 7,317 198 41,480
Jun-19 14,086 7,792 7,746 604 1,549 1,619 333 670 7,560 199 42,158
Sep-19 14,429 7,757 7,934 585 1,562 1,650 333 684 7,417 201 42,552
Dec-19 14,813 8,025 8,101 573 1,588 1,668 345 688 7,595 205 43,601
Mar-20 15,142 7,750 8,647 586 1,580 1,687 331 680 7,390 202 43,995
Jun-20 15,539 7,883 8,505 604 1,570 1,711 344 700 7,467 208 44,532
Sep-20 15,869 8,189 8,657 620 1,607 1,745 358 717 7,690 212 45,667
Dec-20 16,259 8,497 8,896 634 1,644 1,768 375 722 7,971 219 46,985
Mar-21 16,844 8,883 9,228 652 1,691 1,800 388 725 8,236 233 48,670
Jun-21 16,415 9,185 9,527 642 1,794 1,833 405 727 8,457 229 49,213
Sep-21 16,892 8,907 9,881 662 1,766 1,871 421 734 8,364 235 49,733
Dec-21 17,349 9,316 9,984 683 2,069 1,906 437 734 8,649 243 51,370
Mar-22 17,028 9,819 10,472 670 2,159 1,933 463 723 8,498 247 52,012
Jun-22 17,699 9,931 10,700 713 2,203 1,967 478 733 8,787 254 53,436
Sep-22 17,784 10,010 11,061 699 2,262 2,003 495 742 8,779 260 54,096
Dec-22 18,360 10,379 11,004 723 2,301 2,041 509 745 9,038 266 55,366
Mar-23 17,880 10,631 11,339 706 2,296 2,087 506 744 8,899 263 54,352
Jun-23 18,467 10,679 11,630 730 2,312 2,133 518 731 9,188 266 56,654
Sep-23 18,421 10,905 11,860 705 2,538 2,178 524 732 9,144 267 57,274
Dec-23 18,896 10,393 12,442 701 2,539 2,233 505 735 10,336 260 59,040
Mar-24 18,660 10,745 12,767 694 2,579 2,283 525 742 10,276 262 59,534
Jun-24 18,946 11,068 12,486 1,202 2,621 2,324 531 749 10,586 265 60,779

and...

(see Notes below) ANZ ASB BNZ Heartland Kiwibank Rabo
bank		 SBS TSB Westpac Co-op Totals
   NZ$mil   NZ$mil   NZ$mil  NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil   NZ$mil    NZ$mil   NZ$mil

Annualised profit after tax:
 
  
 
 
 
 
 
  
 
Show older
Mar-08 1,225 570 769   35 26 14 39 529   3,207
Jun-08
1,280
 515
772
  
37
29
13
40
560
  
3,246
Sep-08
1,163
 485
785
  
35
34
10
43
559
  
3,114
Dec-08
1,063
 486
874
  
40
29
11
42
556
  
3,100
Mar-09
959
 419
769
  
47
38
12
 43
420
  
2,707
Jun-09
764
 425
5
  
64
20
13
46
283
  
1,620
Sep-09
298
 207
-181
  
68
15
13
48
248
  
716
Dec-09
331
 177
-170
  
61
8
15
51
174
  
648
Mar-10
177
 185
-166
  
60
10
15
51
204
  
536
Jun-10
347
 236
578
  
46
15
13
45
275
  
1,555
Sep-10
827
 510
602
  
41
38
16
41
286
  
2,361
Dec-10
842
 529
481
  
36
72
16
36
 339  
2,355
Mar-11 951 555 442   23 64 14 40
361
 7 2,457
Jun-11 969 569 412   21 80 16 43 360 6 2,475
Sep-11 1,099 595 671   30 63 13 44 433 5 2,953
Dec-11 1,241 657 810   45 54 13 47 483 4 3,354
Mar-12 1,251 685 768   68 60 12 48 533 6 3,430
Jun-12 1,359 685 813   79 76 14 50 611 7 3,694
Sep-12 1,325 685 580   91 80 13 52 613 7 3,446
Dec-12 1,225 678 417   99 84 13 52 627 7 3,202
Mar-13 1,345 696 526   101 87 14 53 666 6 3,494
Jun-13 1,348 705 588   97 83 13 53 670 5 3,562
Sep-13 1,374 732 695   93 81 14 48 714 4 3,755
Dec-13 1,474 756 767   91 81 14 48 802 5 4,038
Mar-14 1,578 784 790   88 77 16 50 834 7 4,224
Jun-14 1,595 806 757   100 83 16 51 915 8 4,331
Sep-14 1,716 825 850   109 121 19 55 941 8 4,645
Dec-14 1,745 834 884 39 119 105 20 23 916 9 4,694
Mar-15 1,738 841 959 41 126 110 19 26 928 9 4,797
Jun-15 1,775 859 1,049 41 127 107 21 23 907 9 4,920
Sep-15 1,783 869 1,038 41 125 82 19 36 911 6 4,910
Dec-15 1,696 889 998 46 127 104 19 67 911 10 4,870
Mar-16 1,650 896 987 50 127 108 20 62 900 10 4,810
Jun-16 1,653 913 921 30 124 123 21 48 875 10 4,720
Sep-16 1,535 940 913 31 119 126 24 51 851 10 4,601
Dec-16 1,586 964 944 56 116 90 27 52 868 11 4,750
Mar-17 1,625 1,011 878 59 109 89 27 46 837 10 4,732
Jun-17 1,624 1,069 925 32 53 74 27 43 851 11 4,709
Sep-17 1,765 1,113 937 31 39 100 26 46 909 11 4,977
Dec-17 1,882 1,137 989 64 32 108 26 42 898 11 5,234
Mar-18 1,877 1,145 1,011 64 56 112 27 52 925 10 5,311
Jun-18 1,923 1,177 984 67 127 111 27 55 942 10 5,423
Sep-18 1,953 1,190 1,056 68 133 113 29 51 936 10 5,540
Dec-18 1,910 1,214 1,035 67 147 103 31 54 951 10 5,521
Mar-19 1,944 1,283 1,116 67 126 98 30 45 1,003 9 5,722
Jun-19 1,967 1,274 1,179 69 108 87 31 45 993 9 5,761
Sep-19 1,819 1,283 1,023 69 101 89 31 46 964 7 5,430
Dec-19 1,744 1,243 1,007 74 97 89 29 44 912 7 5,247
Mar-20 1,654 1,108 840 73 89 83 19 32 711 5 4,611
Jun-20 1,509 958 714 69 57 91 18 27 558 6 4,006
Sep-20 1,372 920 763 72 56 95 21 25 550 9 3,883
Dec-20 1,373 983 828 66 60 99 26 24 648 10 4,117
Mar-21 1,536 1,138 1,056 68 83 115 41 43 818 16 4,914
Jun-21 1,676 1,321 1,187 71 126 126 46 47 962 16 5,577
Sep-21 1,939 1,405 1,322 70 134 132 47 47 932 18 6,046
Dec-21 2,043 1,459 1,375 79 135 145 45 45 902 18 6,245
Mar-22 2,093 1,453 1,371 80 130 142 45 38 905 12 6,270
Jun-22 2,213 1,470 1,430 90 131 145 39 38 941 11 6,508
Sep-22 2,289 1,529 1,414 87 154 146 39 33 1,047 11 6,748
Dec-22 2,344 1,548 1,482 87 166 147 40 34 1,069 11 6,928
Mar-23 2,233 1,549 1,510 85 171 162 38 33 1,017 9 6,807
Jun-23 2,222 1,559 1,499 76 175 168 38 26 1,043 9 6,814
Sep-23 2,216 1,480 1,508 77 179 175 37 26 1,059 7 6,764
Dec-23 2,096 1,467 1,492 64 182 182 33 29 1,060 7 6,610
Mar-24 2,252 1,469 1464 49 189 187 43 33 1,154 13 6,852
Jun-24 2,266 1,454 1,495 46 201 187 42 36 1,163 13 6,901

The term 'leverage' is used loosely on this page. For a fuller discussion about what it really means, see here »

7 Comments

by  Bernard Hickey  |  15th Dec 11, 5:26pm 1323923179

This is brilliant David.

Cheers

Bernard

Up
0
by  Gummy Bear Hero  |  15th Dec 11, 5:32pm 1323923559

Wow ! ...... absolutely crackerjack shareholder returns from the banks ...... what a shame NZ only has dreary old electricity companies to flog off to Mom , Pop & Iwi ..... , and no banks ......

Up
0
by  Micks  |  13th Sep 12, 9:16am 1347484602

There is an error in the June-12 Total Assets figure for ASB - should be $63,537

Up
0
by  peat  |  10th Sep 13, 5:29pm 1378790977

Rabo has lowest leverage and  as one might expect this means their shareholder returns are lower than the other larger banks. Westpac seems to do well being only slightly more leveraged than Rabo and yet produces a return higher than BNZ (although not as high as ANZ or ASB, both of who are much more leveraged)  

Nice collection of information.

Up
0
by  Cur8or  |  14th Dec 17, 7:04pm 1513231491

How about sorting the tables by descending date? That will keep the newest entry closest to the column headings.

Up
0
by  maurice24  |  26th Jun 19, 7:18pm 1561533534

Is there data to compare the figures here to comparable data for similar countries overseas?

Up
0
by  apizap  |  28th Nov 19, 5:59pm 1574917170

..... especially Australia.

Up
0
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