Opinion | Capital Requirements for Banks in New Zealand

Written by Daniel Song New residential mortgage interest rates have climbed from roughly 3.6% to 6.1% between 2019 and today (RBNZ, 2025). Business loan interest rates have climbed from roughly 4.1% to 6.0% in the same period (RBNZ, 2025). The Reserve Bank of New Zealand’s (RBNZ) capital requirement policy, announced in 2019, may have something […]