bank capital adequacy

An explainer of bank capital, how it is regulated and set, and how it has changed over recent years, especially the buffering freeboard levels

An explainer of bank capital, how it is regulated and set, and how it has changed over recent years, especially the buffering freeboard levels

RBNZ Governor Adrian Orr says bank regulatory capital increases on ice during COVID-19 crisis remain very much in the regulator's plans

RBNZ Governor Adrian Orr says bank regulatory capital increases on ice during COVID-19 crisis remain very much in the regulator's plans

ANZ economists now see no further cuts at all to the Official Cash Rate this year after only a matter of weeks ago forecasting three further cuts

ANZ economists now see no further cuts at all to the Official Cash Rate this year after only a matter of weeks ago forecasting three further cuts

Gareth Vaughan says should the proverbial hit the fan, the public, the regulator and the regulated banks will probably all be glad the RBNZ is increasing banks' regulatory capital requirements

Gareth Vaughan says should the proverbial hit the fan, the public, the regulator and the regulated banks will probably all be glad the RBNZ is increasing banks' regulatory capital requirements

Federated Farmers is urging the banks to absorb as much as possible of the additional costs of the new bank capital requirements 'rather than dump it all on customers, and especially on under-pressure farmers'

Federated Farmers is urging the banks to absorb as much as possible of the additional costs of the new bank capital requirements 'rather than dump it all on customers, and especially on under-pressure farmers'

ANZ economists now see OCR only going as low as 0.75% following a softening of the RBNZ proposals for bank capital, combined with a more positive domestic outlook and in particular upside to government infrastructure spending

ANZ economists now see OCR only going as low as 0.75% following a softening of the RBNZ proposals for bank capital, combined with a more positive domestic outlook and in particular upside to government infrastructure spending

Final decisions in RBNZ capital review still require $20b increase for banks but composition of capital is softened and banks get 7 years instead of 5 to adapt

Final decisions in RBNZ capital review still require $20b increase for banks but composition of capital is softened and banks get 7 years instead of 5 to adapt

Gareth Vaughan details six key changes proposed by the RBNZ in its bank capital review ahead of the release of the final decisions in its broadest ever review of bank regulatory capital requirements on Thursday

Gareth Vaughan details six key changes proposed by the RBNZ in its bank capital review ahead of the release of the final decisions in its broadest ever review of bank regulatory capital requirements on Thursday

Kiwibank economists say one 'perverse' impact of the RBNZ's forthcoming capital proposals could be that banks focus on residential mortgages at the expense of business lending

Kiwibank economists say one 'perverse' impact of the RBNZ's forthcoming capital proposals could be that banks focus on residential mortgages at the expense of business lending

The Reserve Bank will release the final decisions in its biggest ever review of banks' regulatory capital requirements on Thursday, December 5

The Reserve Bank will release the final decisions in its biggest ever review of banks' regulatory capital requirements on Thursday, December 5

With the countdown to the announcement of final decisions in the RBNZ's broadest ever review of banks' regulatory capital requirements underway, Gareth Vaughan looks at some key issues

With the countdown to the announcement of final decisions in the RBNZ's broadest ever review of banks' regulatory capital requirements underway, Gareth Vaughan looks at some key issues

RBNZ's external experts reviewing its bank capital proposals suggest changes to countercyclical capital buffers, retaining Tier 2 capital, and reforms to bank executive compensation schemes

RBNZ's external experts reviewing its bank capital proposals suggest changes to countercyclical capital buffers, retaining Tier 2 capital, and reforms to bank executive compensation schemes

Heartland Group Holdings has reported after-tax profits of $73.6 million for the June financial year and is forecasting a profit of between $77 million and $80 million for the forthcoming year

Heartland Group Holdings has reported after-tax profits of $73.6 million for the June financial year and is forecasting a profit of between $77 million and $80 million for the forthcoming year

ASB CEO Vittoria Shortt pledges her bank will accept whatever regulatory capital requirements the RBNZ decides to implement, but argues ASB's alternative capital proposals represent a better balance between stability and cost

ASB CEO Vittoria Shortt pledges her bank will accept whatever regulatory capital requirements the RBNZ decides to implement, but argues ASB's alternative capital proposals represent a better balance between stability and cost

Former ANZ chief economist Cameron Bagrie says too much blame is being put on the Reserve Bank for issues the dairy sector was always going to face regardless of whether bank capital rules were reviewed 

Former ANZ chief economist Cameron Bagrie says too much blame is being put on the Reserve Bank for issues the dairy sector was always going to face regardless of whether bank capital rules were reviewed 

Governor Adrian Orr says RBNZ is 'open minded' about its proposals to increase bank capital, but wants more capital and good quality capital

Governor Adrian Orr says RBNZ is 'open minded' about its proposals to increase bank capital, but wants more capital and good quality capital

Heartland Group Holdings says it will be able to meet the new RBNZ capital requirements through retained earnings and 'other sources'

Heartland Group Holdings says it will be able to meet the new RBNZ capital requirements through retained earnings and 'other sources'

Heartland Group Holdings has increased half year tax paid earnings 6.5% to $33.1 million but reduced the full year forecast profit to between $73 mln and $75 mln from an earlier forecast of $75-77 mln

Heartland Group Holdings has increased half year tax paid earnings 6.5% to $33.1 million but reduced the full year forecast profit to between $73 mln and $75 mln from an earlier forecast of $75-77 mln

Proposed requirements for banks to hold more capital won't cause KiwiBuild catastrophe or economic slowdown, according to Twyford and Robertson

Proposed requirements for banks to hold more capital won't cause KiwiBuild catastrophe or economic slowdown, according to Twyford and Robertson

BNZ interest rate strategist Nick Smyth has a crunch of the detail of the RBNZ's new bank capital proposals; says bank funding costs will increase but the RBNZ may offset future increases in lending rates with delays to OCR rises, or even cuts

BNZ interest rate strategist Nick Smyth has a crunch of the detail of the RBNZ's new bank capital proposals; says bank funding costs will increase but the RBNZ may offset future increases in lending rates with delays to OCR rises, or even cuts

RBNZ's new capital requirements would need Heartland to lift its 'Tier 1' capital by about $15m a year; company believes the new requirements will stir more takeover activity and says it will consider any 'value-accretive' acquisition

RBNZ's new capital requirements would need Heartland to lift its 'Tier 1' capital by about $15m a year; company believes the new requirements will stir more takeover activity and says it will consider any 'value-accretive' acquisition

RBNZ bank capital proposals go well beyond the international norm, are highly conservative & positive for banks' credit profiles, Fitch says

RBNZ bank capital proposals go well beyond the international norm, are highly conservative & positive for banks' credit profiles, Fitch says

Analysts crunch the numbers on how much capital the big 4 banks & Heartland would need to meet proposed new RBNZ capital requirements

Analysts crunch the numbers on how much capital the big 4 banks & Heartland would need to meet proposed new RBNZ capital requirements

RBNZ proposes significant increase in bank capital requirements that will eat up 70% of the sector's profits over 5 years but only have a 'minor impact' on borrowers

RBNZ proposes significant increase in bank capital requirements that will eat up 70% of the sector's profits over 5 years but only have a 'minor impact' on borrowers

Robertson quiet on whether something's wrong when the RBNZ pays the Government a $430m dividend but can't afford to hire 15 new staff

Robertson quiet on whether something's wrong when the RBNZ pays the Government a $430m dividend but can't afford to hire 15 new staff