New Zealand: Legal rights

* indicates monthly or quarterly data series
 New Zealand

Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)

 Latest value 12
 Year 2020
 Measure points
 Data availability 2014 - 2020
 Average 12
 Min - Max 12 - 12
 Source The World Bank
For that indicator, we provide data for New Zealand from 2014 to 2020. The average value for New Zealand during that period was 12 points with a minimum of 12 points in 2014 and a maximum of 12 points in 2014. The latest value from 2020 is 12 points. For comparison, the world average in 2020 based on 186 countries is 5.69 points. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
New Zealand - Legal rights - recent values




The index of legal right for creditors and borrowers in New Zealand ranges from 0 (no rights) to 12 (strong rights). Stronger legal rights such as efficient bankruptcy procedures, rules for financial disclosure, clear property rights, etc. facilitate lending.
Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the appli­cable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies.


 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 1.46 2017 interest rate points
 Bank cost to income ratio 42.57 2021 percent
 Bank overhead cost 1.00 2021 percent
 Net interest margin 2.11 2021 percent
 Bank credit to deposits 131.90 2021 percent
 Regulatory capital to risk-weighted assets 13.50 2015 percent
 Return on assets 1.38 2021 percent
 Return on equity 17.33 2021 percent
 Banking system z-scores 44.78 2021 index points
 Liquid assets to deposits 20.39 2021 percent
 Banking system capital to assets 7.30 2015 percent
 Non-interest income to total income 18.27 2021 percent
 Lending interest rate 4.76 2017 percent
 Real interest rate 1.20 2017 percent
 Legal rights 12.00 2020 points
 Credit information sharing 8.00 2019 points
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