I think honourable mention should also be made of Rabobank (No. 5).

A cynic might ask whether these ratings are any more relevant than they were 2 years ago - its a tad frustrating (to say the least) that some of the calculations for asset balances are up 2 years out of date (see last column). One assumes (why I don't really know) that the ratings agencies have raised their game in the past 6 months?

Where is Kiwibank?

The central of the central come to the top. Those that are tapped into the taxpayers vein. Just take a little time to see who the majority stakeholders of them all are.
You will find that there is no such thing as an Australian owned, US owned, NZ owned bank, only majority stakeholder controlled corporate public listed entities;

"One thing is for sure Westpac is not majority owned by Australians. As you will see in the links below at least 50% of the company is owned by foreigners largely hidden in nominee companies.
The company's financials are stored in an image format ensuring that search engines cannot search on the major shareholders in this banking giant (search engines search on text only).
Amongst its 20 largest shareholders are Rotchschild and Rockefeller interests and the infamous Cede and Co a US$6.1 trillion anonymous fund - blamed for the "controlled" sharemarket crash on Black Monday in October 1987";
http://www.gwb.com.au/gwb/news/banking/wpac97.html

"Never in the history of the world has so much power been vested in a small body of men as in the Federal Reserve Board. These men have the welfare of the world in their hands, and they could upset the rest of us either deliberately or by some unconscious action." Sir Josiah Stamp, Director of Bank of England, reported in the National Bank Monthly, February, 1926.
http://www.bankwatch.info/

"Then look more closely at the ownership and actions of international rating agencies;
"Yet, increasing spending and fiscal deficits in the short run is exactly what these governments should be doing. And now, after helping to cause the crisis, the credit rating agencies are blocking the way to the solution. The actions by Standard & Poor's are therefore profoundly misguided and potentially destructive."
http://www.truthout.org/011709Y

Dazza history has shown that it is predominent human nature for most to sleepwalk into crisis and not wakeup until it is to late, you just keep dozing.
For those of you that are a little more motivated to atleast investigate all angles, have a look at this most thought provoking article from one of the very best;

"The BIS is where all of the world's central banks meet to analyze the global economy and determine what course of action they will take next to put more money in their pockets, since they control the amount of money in circulation and how much interest they are going to charge governments and banks for borrowing from them. . . .
"When you understand that the BIS pulls the strings of the world's monetary system, you then understand that they have the ability to create a financial boom or bust in a country. If that country is not doing what the money lenders want, then all they have to do is sell its currency."
http://globalresearch.ca/index.php?context=va&aid=13239

http://www.google.co.nz/search?sourceid=navclient&hl=en-GB&ie=UTF-8&rlz=...

For further investigation, just when it is obvious that the dismantling of regulation has led to the over supply of created credit beyond the possibilty of repayment leading to this credit crunch, NZ investigative taskforce is recomending more secrecy and less regulation;
http://www.bellgully.com/resources/resource.02046.asp

That'll fix it for sure.