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Size matters
How the RBNZ and Oliver Wyman use an old trick to make us believe that our banks are overcapitalised
Oct 1
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@cetier1
September 2025
Welcoming Dr Anna Breman: New RBNZ Governor
Capital Issues extends a warm welcome to Dr Anna Breman, who has been officially appointed as Governor of the Reserve Bank of New Zealand.
Sep 24
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@cetier1
Let the data speak
The graphs below, once seen, cannot be unseen.
Sep 2
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@cetier1
August 2025
How Media Helps Banks Win While Claiming to Help Borrowers
Some months ago, I attended a meeting of the Finance and Expenditure Committee’s inquiry into banking competition.
Aug 26
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@cetier1
From Fortress to Mainstream: RBNZ Dials Back its Capital Ambitions
The Reserve Bank of New Zealand (RBNZ) has opened consultation on its 2025 Review of Key Capital Settings.
Aug 25
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@cetier1
Banking Competition Inquiry: Familiar Themes, Uncomfortable Conclusions
Parliament's Finance and Expenditure Committee has released its Inquiry into Banking Competition. Much like the Commerce Commission's market study…
Aug 22
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@cetier1
July 2025
Kiwibank's $500 Million Ask: Why This Time Must Be Different
If you were handing over half a billion dollars to someone who, after years at the helm, still has no clear plan for how to spend it, would you feel…
Jul 30
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@cetier1
While Europe Taps to Ride, We’re Tapping Banks for Votes
I just returned from a trip to Europe and noticed I could check in to public transport simply by tapping my credit card.
Jul 9
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@cetier1
May 2025
Time to Retire the Circus? Reflections on the May 2025 RBNZ Financial Stability Report Press Conference
Every six months, the Reserve Bank of New Zealand releases its Financial Stability Report (FSR), and in recent years this has been accompanied by a…
May 28
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@cetier1
Capital Progress and Prudence: Where Are New Zealand’s Banks Heading?
In its May 2025 Financial Stability Report and accompanying Terms of Reference for the Capital Review, the Reserve Bank of New Zealand (RBNZ) offers a…
May 7
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@cetier1
April 2025
Burning Capital: Why Kiwibank’s $500 Million Pitch Deserves a Closer Look
Steve Jurkovich’s interview on Markets with Madison, which aired earlier this week, offered a revealing look into how the CEO of Kiwibank views capital…
Apr 29
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@cetier1
Kiwibank, Capital Myths, Large Exposures, and the Price of Public Money
This week was an interesting one for bank capital tragics like me.
Apr 6
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@cetier1
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