Banking in New Zealand - Market Research Report

Banking industry trends (2014-2019)

poll Average industry growth 2014–2019: 0.3%

The Banking industry has exhibited weak growth amid a low interest rate environment over the past five years, with consistent cuts in the cash rate since June 2015. However, a strong residential property market and robust mortgage lending activity over most of the past five years have boosted the value of industry assets and supported interest revenue. The Reserve Bank of New Zealand's loan-to-value ratio restrictions have had their intended effect, slowing housing price growth over the past year. Several rounds of changes, which came into effect on 1 January 2018 and 1 January 2019, have eased these limits. Overall, industry revenue is expected to rise at an annualised 0.3% over the five years through 2018-19. Fluctuations in the cash rate have pri...
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Banking industry outlook (2019-2024)

poll Average industry growth 2019-2024: x.xlockPurchase this report or a membership to unlock the average company profit margin for this industry.

The Banking industry is expected to grow strongly over the next five years due to the value of industry assets amassed over the past five years, alongside a projected rise in the cash rate. While the cash rate may decline further before rising again towards the end of XXX, several rate hikes towards the end of the period are projected to significantly boost industry revenue. Industry profitability is also anticipated to rise slightly over the next five years. Foreign banks are forecast to capitalise on these opportunities, particularly by targeting niche markets. This factor is anticipated to contribute to industry enterprise and employment numbers rising over the period. Overall, industry revenue is forecast to rise at an annualised X.X% over the ne...
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Banking industry statistics

  • attach_money Market Size: $25bn
  • business Number of Businesses: 887
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 27,230

Biggest companies in the Banking industry

The companies holding the largest market share in the Banking in New Zealand industry include ANZ Bank New Zealand Limited, ASB Holdings Limited, National Australia Group (NZ) Limited and Westpac New Zealand Group Limited.

  • pie_chart ANZ Bank New Zealand Limited Market Share: x.x%
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  • pie_chart ASB Holdings Limited Market Share: x.x%
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  • pie_chart National Australia Group (NZ) Limited Market Share: x.x%
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  • pie_chart Westpac New Zealand Group Limited Market Share: x.x%
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What is Banking industry?

Industry Definition

Industry enterprises primarily operate banks. Industry activities include accepting deposits and issuing consumer and commercial loans.

Industry Products and Services

  • Housing loans
  • Business, personal and credit card loans
  • Core banking services
  • All Others

Industry Activities

  • Development bank operations
  • Savings bank operations
  • Trading bank operations

Market research report - table of contents

Industry Definition

Industry enterprises primarily operate banks. Industry activities include accepting deposits and issuing consumer and commercial loans.

Main Activities

  • Development bank operations
  • Savings bank operations
  • Trading bank operations

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

The cash rate influences the interest rates that banks charge on all loans and advances. Banks typically price their loans according to the cash rate by a...
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Cash rate
Residential housing loan rates
Residential housing prices
Total capital expenditure

Current Performance

Funding costs
Housing market
Dairy sector
 Chart: Revenue Growth

Industry Outlook

Regulation
Technology
 Table: Banking in New Zealand - Market Research Report Industry Revenue Outlook

Industry Life Cycle

Life Cycle Reasons
 Chart: Benchmarking - Banking in New Zealand - Market Research Report Industry Lifecycle vs The Economy

Supply Chain

Key Buying Industries

Construction
Agribusiness in New Zealand
Consumers in New Zealand




Key Selling Industries

Legal Services in New Zealand
Accounting Services in New Zealand





Products & Services

Industry players generate most of their revenue from lending activities. Home loans represent the largest product segment for New Zealand's banks, while b...
Other businesses
Agricultural firms




Demand Determinants

Demand for banking products and services is largely tied to macro-economic factors affecting the broader New Zealand economy. Business confidence, the rat...
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Major Markets

Other businesses
Agricultural firms





 Chart: Major Market Segmentation for the Banking in New Zealand - Market Research Report Industry

International Trade

Business Locations

Chart: Business Locations by State Chart: Business Locations by State

Market Share Concentration

The Banking industry is characterised by a high level of market share concentration. In 2018-19, the four largest players (ANZ, Westpac, ASB and BNZ) are ...
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Key Success Factors

Cost Structure Benchmarks

Profit, Purchases, Wages, Other Costs
 Chart: Cost Structure Benchmarking – Sector vs Banking in New Zealand - Market Research Report

Basis of Competition

Internal competition
External competition

Barriers to Entry

 Table: Barriers to Entry Checklist for the Banking in New Zealand - Market Research Report Industry

Industry Globalization

ANZ Bank New Zealand Limited is a subsidiary of the Australia and New Zealand Banking Group Limited, which is listed on both the ASX and NZX. In December ...
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ANZ Bank New Zealand

 Table: ANZ Bank New Zealand - financial performance

ASB Holdings

 Table: ASB Holdings - financial performance

Bank of New Zealand

 Table: Bank of New Zealand - financial performance

Westpac New Zealand Group

 Table: Westpac New Zealand Group - financial performance

Capital Intensity

The Banking industry exhibits low capital intensity. For every dollar paid as wages, the industry spends an estimated $0.09 on capital investment. Despite...
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 Chart: Level of Capital Intensity for the Banking in New Zealand - Market Research Report Industry
 Chart: Tools of the Trade: Growth Strategies for Success

Technology & Systems

Revenue Volatility

Chart: Volatility vs Industry Growth Chart: Volatility vs Industry Growth

Regulation & Policy

Industry Assistance

Table: Industry data Table: Industry Data for the Banking in New Zealand Industry

Industry Revenue (2007-2025)
Industry Gross Product (2007-2025)
Establishments (2007-2025)
Businesses (2007-2025)
Employment (2007-2025)
Exports (2007-2025)
Imports (2007-2025)
Wages (2007-2025)
Domestic Demand (2007-2025)

Table: Annual Percentage Change for Key Industry Data Table: Annual Percentage Change for Key Industry Data

Table: Key Ratios for Industry Key Dat Table: Key Ratios for Industry Key Data

Table: Industry Financial Ratios Table: Industry Financial Ratios

Liquidity Ratios
Coverage Ratios
Leverage Ratios
Operating Ratios
Cash Flow & Debt Service Ratios (% of Sales)
Assets, %
Liabilities, %

CASH RATE

NET INTEREST SPREAD

TIER-ONE CAPITAL

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Included in Report

  • Industry Financial Ratios
    Industry Financial Ratios
  • Revenue Forecasts
    Revenue Forecasts
  • Historical and Forecast Growth
    Historical and Forecast Growth
  • Industry Market Size
    Industry Market Size
  • Industry Major Players
    Industry Major Players
  • Profitability Analysis
    Profitability Analysis
  • SWOT Analysis
    SWOT Analysis
  • Industry Trends
    Industry Trends
  • Industry Operating Conditions
    Industry Operating Conditions
  • Porter's 5 Forces Analysis
    Porter's 5 Forces Analysis

Why buy this report on the Banking industry?

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This report on Banking in New Zealand:

  • Provides Market Size information to assist with planning and strategic decisions.
  • Includes the necessary information to perform SWOT, PEST and STEER analysis.
  • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
  • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.

The Banking in New Zealand market research report includes:

  • Historical data and analysis for the key drivers of this industry
  • A five-year forecast of the market and noted trends
  • Detailed research and segmentation for the main products and markets
  • An assessment of the competitive landscape and market shares for major companies
  • And of course, much more

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