Retail Banking Market Dynamics: New Zealand 2018
Margins among New Zealand banks have remained relatively stable due to benign macroeconomic conditions. The average cost-to-income ratio has changed little year on year, down 1 percentage point to 52% in 2017. However, there remain large disparities in operating efficiencies within the market. The same is also true for profitability, with large disparities in return on asset figures. Growth in balances across credit cards, retail deposits, personal loans, and mortgages is expected to continue at approximately the same rate for 2018-22.
This report identifies macroeconomic and competitive dynamics that have affected the New Zealand retail banking market over the last year, and provides insight into -
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