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	Notices: Enforceable Undertakings \| Securities Commission
		Kiwibank and the directors will, in the case of an offer of securities to the public by Kiwibank which requires an investment statement, ensure that Kiwibank employees or agents provide investors with an investment statement relating to the securities before a subscriber subscribes for the securities in accordance with the Act or any applicable exemption.
		Kiwibank will ensure that an appropriately qualified and experienced senior member of staff is responsible for compliance by Kiwibank with these undertakings and with the securities laws generally.
		Kiwibank and the directors acknowledge that this undertaking does not derogate from the rights and remedies available to the Commission or to any other person or entity arising from the conduct described in the undertaking.
	www.sec-com.govt.nz /notices/enforcement/enforcement-kiwibank.shtml (768 words)

	New Zealand News Archive (Jan-Jun 2002) - Franchise-chat \| New Zealand Franchise and Franchising News (Site not responding. Last check: 2007-09-10)
		Kiwibank customers are having to wait up to two weeks for an appointment to open an account, as at least 500 people a day sign up, the new state owned bank claimed yesterday.
		Kiwibank was signing up "hundreds of people a day" and would have its 300 branches by the end of the year, New Zealand Post chief executive Elmar Toime said yesterday.
		Kiwibank has followed the other big banks in raising home-loan rates, but the Government-backed bank is still undercutting the competition in what it claims is a profitable strategy.
	www.franchise-chat.com /news_archive/new_zealand_franchise_news_7.htm (1397 words)

	kiwibank (Site not responding. Last check: 2007-09-10)
		Kiwibank Home Loans are guaranteed to save you money on the overall cost of your home loan over the first six years compared with any equivalent home loan from any other bank with branches nationwide.
		Kiwibank may require that lender's mortgage insurance be taken out or charge a low equity fee.
		Kiwibank’s terms and conditions and lending criteria apply.
	www.kiwibank.co.nz /products/home_loans.stm (1736 words)

	Kiwibank - Wikipedia, the free encyclopedia
		Kiwibank Limited is a wholly owned subsidiary of the state-owned enterprise New Zealand Post Limited.
		Hence Kiwibank has the most extensive network of branches out of all banks operating in New Zealand.
		Kiwibank has topped customer satisfaction surveys, matching TSB Bank, another New Zealand (though not state) owned bank.
	en.wikipedia.org /wiki/Kiwibank (303 words)

	Beehive.govt.nz - Home ownership mortgage insurance programme announced
		Kiwibank is expected to approve about 1,800 loans as part of this trial.
		While Kiwibank may be able to offer finance up to 100% of the purchase price for a home under $100,000, the borrower must arrange for a deposit to be paid to the seller when finance is approved.
		Kiwibank may be able to arrange finance for this, up to a maximum of $5,000.
	www.beehive.govt.nz /ViewDocument.aspx?DocumentID=17448 (1496 words)

	Cullen says Kiwibank success more than commercial - 05 Sep 2006 - Business (Site not responding. Last check: 2007-09-10)
		Kiwibank's chief executive Sam Knowles said today the profit figures were better than expected, which he attributed partly to the underlying desire of New Zealanders to embrace a "New Zealand value bank".
		Kiwibank did not believe the level of profitability of its competitors was either desirable or sustainable long term.
		As Kiwibank's expenses were now spread over a larger base, the noninterest expenses-to-revenues ratio had improved to 82 per cent in fiscal 2006, from 88 per cent in the previous year.
	www.nzherald.co.nz /section/story.cfm?c_id=3&objectid=10399799 (797 words)

	News - Kiwibank's In Reach pilot likely to fall short of target
		Kiwibank markets the scheme as its "In Reach Home Loans," suggesting to would-be borrowers that they can become their own landlords.
		The element of government subsidy is a form of lenders mortgage insurance: the government budgeted $5.3 million over the two years to back any defaults but none of the loans to date have defaulted.
		Kiwibank spokesman Bruce Thompson says at the beginning people had unreasonable expectations of what the scheme could do for them, particularly in the Auckland, Wellington and Christchurch markets partly because $150,000 didn’t get them far.
	www.nzpif.org.nz /afawcs0111518/ID=81/newsdetails.html (354 words)

	BANKS: Kiwibank has 150 branches in New Zealand - 1 June 2002
		Kiwibank began with $A63 million in startup capital from the NZ Government, and is owned by and operated from NZ Post premises.
		While former National Party leader, Jim Bolger, is Kiwibank chairman, the bank has been subject to a constant campaign by the free market party, Act, which has denounced the use of public funds to establish the bank, and its use of New Zealand Post premises.
		The KPMG study predicts that Kiwibank would make particular inroads into the ANZ Bank, as its customer profile is similar to that of the ANZ Bank, and ANZ had lost ground to other banks over the past year due to lack of customer satisfaction.
	www.newsweekly.com.au /articles/2002jun1_nz.html (731 words)

	News - Kiwibank posts profit and grows mortgage market share
		As well as reaching a key milestone in announcing its maiden profit, Kiwibank is continuing to increase its share of the mortgage market, although its book is still relatively tiny.
		Kiwibank will also announce a profit for the full year, he says.
		Kiwibank guarantees its customers that it will provide a lower cost homeloan over a six year period than those provided by the major banks.
	auckland.nzpif.org.nz /afawcs0111518/ID=65/newsdetails.html (377 words)

	New Zealand News Archive (Jul-Dec 2002) - Franchise-chat \| New Zealand Franchise and Franchising News (Site not responding. Last check: 2007-09-10)
		Kiwibank says it is gaining many customers from ANZ and Westpac, a claim rubbished by the big banks.
		Kiwibank seems to be picking up mainly low-value customers and might have signed up fewer than 1000 mortgages in six months, making it a puny rival even for the other New Zealand-owned bank, TSB Bank.
		Kiwibank is guaranteeing its home loan deals will better any other major bank in New Zealand over the next six years in a bid to lure customers from the big five.
	www.franchise-chat.com /news_archive/new_zealand_franchise_news_8.htm (1380 words)

	Kiwibank's Home Loan Offer
		A Kiwibank Mastercard with a pre-approved $1,000 limit for customers with home loans in excess of $50,000.
		No registered valuation is required for loans in excess of $50,000 and where the loan is less than 80% of rateable valuation.
		Kiwibank's Home Loan Guarantee promises an overall cheaper home loan over the first six years than any equivalent product from any other bank with branches nationwide.
	www.epmu.org.nz /SITE_Default/benefits/kiwibank_loan.asp (202 words)

	Scoop: The success of Kiwibank
		Kiwibank has had such a significant influence in the market that it has already paid its way.
		As the overseas banks were doing that, Kiwibank announced it was bringing in a six-month rate of 6.95 per cent and holding its floating rate at 7.10 per cent.
		Kiwibank will also be the only bank in more than 30 suburban areas of towns and cities across the country.
	www.scoop.co.nz /stories/PA0207/S00495.htm (1886 words)

	The Epoch Times \| Banks Scramble for Customers
		Kiwibank, on the other hand, is gaining about 2,000 customers a week, according to the Herald.
		But Ms Hammond says she is happy with Kiwibank and the new offers from other banks are not enough to win her back.
		Kiwibank's 450,000 customer base is growing, he said.
	www.theepochtimes.com /news/6-10-5/46699.html (488 words)

	National Business Review (NBR) - Business, News, Arts, Media, Share Market & More
		Kiwibank took the unusual step today of providing details about an internet scam that targeted its customers and the steps it took to protect them -- as well as temporarily shutting down its own internet banking portal.
		But Kiwibank took less than 12 hours to go public with the details of the phishing scam that hit hundreds of its customers today and to reassure them of steps it had taken to boost their security.
		Kiwibank received hundreds of calls and emails from people who had received the communication.
	www.nbr.co.nz /home/column_article.asp?id=13760&cid=3&cname=Technology (342 words)

	Synergy : Fronde, Payment solutions New Zealand, Mobile banking products New Zealand, Business Analysis services New ... (Site not responding. Last check: 2007-09-10)
		Kiwibank is characterised by its innovative approach towards marketing and service delivery, and by its real-time internet banking site.
		Kiwibank was first to the market in New Zealand with a real-time SMS based text banking solution - and this is just phase one of innovation with mobile services to make their customer's lives easier.
		Kiwibank's text banking services are supported via Fronde Transactions' Bank Anywhere platform.
	www.synergy.co.nz /CaseStudies/Kiwibank-direct_banking_on_your_mobile.htm (375 words)

	New Zealand Progressive Political Party - National fails to stand up for Kiwibank, NZ consumers
		We are being asked to believe that the former central bank governor, who registered Kiwibank as a bank, is not sure what he would do about the "problem" of Kiwibank.
		Before Kiwibank, New Zealanders were disillusioned with the banking system because it closed down branches and raised their fees.
		Kiwibank has made a huge positive impact for all banking customers, and Dr Brash?s assertions are simply unsupportable.
	www.progressive.org.nz /modules.php?name=News&file=article&sid=798 (981 words)

	KiwiBank
		Kiwibank went to the market looking for a scalable contact centre solution that could support its ambitious service targets from day one, while being scalable to accommodate predicted growth in call volumes and customer service needs.
		Kiwibank’s contact centre solution is a Cisco IP Contact Centre (IPCC), incorporating Network Pre-Routing, Call Manager, intelligent call queuing and announcements, IP-Interactive Voice Response (IVR) technology, as well as call centre intelligence components.
		Now as a company of almost 1300 people with a breadth of IT services unparalleled in a local company Gen-i is uniquely placed to provide value and support for clients in achieving their strategic business objectives.
	www.gen-i.co.nz /DesktopDefault.aspx?pageid=302 (943 words)

	Kiwibank targeted by scams
		Kiwibank customers today became the latest targets of an internet "phishing" scam.
		Bogus e-mails were sent to Kiwibank customers, directing them to a fraudulent site similar to the bank's own website.
		Kiwibank became aware of the problem at about 4am and was currently working to shut the fraudulent site down, Mr Thompson said.
	www.crime-research.org /news/11.12.2005/1693 (93 words)

	Kiwibank (David Farrar)
		It is good more and more media are reporting that Kiwibank is artifically inflating its profits by including the bill payment services that NZ Post were already providing.
		The article also reports that Kiwibank mortgages are 0.45% more expensive than BNZ, and it is also may need more funding that the $120 million to date.
		The bill paying is a useful way of showing Kiwibank in a better light, but putting cash and cheque transactions through your own bank is the best way to do it, otherwise you would have to use a separate bank which would presumably incur larger transaction costs.
	www.kiwiblog.co.nz /2004/12/kiwibank.html (1967 words)

	Computerworld > Kiwibank faces huge rollout task
		Past the first flush of its launch and the bedding in of its IT infrastructure, Kiwibank is now faced with the major task of rolling out equipment and network connections to about 30 newly-opened branches each week.
		Kiwibank currently has an ATM arrangement with ANZ and Westpac, so customers can use those banks’; ATMs.
		Kiwibank will probably have its own ATMs by later this year or early next, but the bank is gauging the market.
	computerworld.co.nz /news.nsf/default/CC256CED0016AD1ECC256B98007E74C2 (697 words)

	Kiwibank for overseas investors - PropertyTalk.com
		Kiwibank is one of only a couple of lending institutes that won't enable brokers to act for their customers.
		They specialise in targeting middle class, lower income people for smaller loans, as Kiwibank has lesser larger loans they stand unable to make a profit or income and hence are now over $60 million down.
		I also think as a taxpayer subsidising Kiwibank I should borrow from them but as I don't need a new mortgage at the moment it's not worth the cost of moving.
	www.propertytalk.com /forum/showthread.php?t=64 (903 words)

	[No title]
		Kiwibank says New Zealanders traveling overseas are entitled to use a signature with their credit cards, despite some United Kingdom retailers only accepting a pin number.
		The leader of the United Future party, Peter Dunne, says since the UK upgraded to a new generation of cards that use microchips, some retailers will not accept older-style New Zealand cards which must be accompanied by a signature.
		He says about 90 per cent of Kiwibank cardholders have PIN numbers, but people should add a pin to their credit cards, especially if travelling overseas.
	www.newswire.co.nz /main/viewstory.aspx?storyid=327463&catid=0 (127 words)

	National Distribution UnionKiwibank (Site not responding. Last check: 2007-09-10)
		Kiwibank can also arrange to send banking representatives to visit your workplace, where they can provide full details on Kiwibank's great range of accounts and services and also open accounts on the spot - provided you have the right identification with you (please see above).
		Kiwibank Home Loans are guaranteed to save you money on the overall cost of your home loan over the first six years compared with any equivalent home loan from any other bank with branches nationwide, or we'll beat the difference.
		Kiwibank's Investment Statement for Term Deposits and Disclosure Statement are available from any Kiwibank branch or www.kiwibank.co.nz
	www.nduunion.org.nz /index.asp?PageID=2145834719 (657 words)

	Lifestyles: Kiwibank Tries To Stir Some Action
		Kiwibank made the most interesting change to its home loan rates last week, dropping its five-year rate a full 51 basis points to 6.99%.
		This time around when the BNZ started cutting rates, Kiwibank has been one of the more active participants in matching it on a head-to-head basis.
		The only changes, aside from Kiwibank, were to Equitable's First Equity Loan, where the one and two year rates went up 10 points to 7.91%, and Loan Plan which upped its one year rate and dropped its four and five year ones.
	xtramsn.co.nz /lifestyles/0,,12807-4560173,00.html (318 words)

	Kiwibank doubles annual net profit \| BUSINESS \| NEWS \| tvnz.co.nz (Site not responding. Last check: 2007-09-10)
		Kiwibank now has more than 450,000 customers and it says it underestimated the public's demand for a locally-owned bank.
		Despite keen competition in the banking sector Kiwibank is hoping for similar gains this financial year.
		Every week 2,000 New Zealanders sign up, and Anderton says Kiwibank is keeping the big Australian trading banks on their toes.
	tvnz.co.nz /view/page/411365/826094 (332 words)

	Kiwibank Case Study Summary - AuthorIT Single Source Content Management
		Kiwibank was a start-up enterprise, which meant that policy, process and procedure had to be developed from scratch.
		The challenge was to provide operational information in a wide variety of formats and media to support staff in their daily duties.
		Furthermore, AuthorIT meets Kiwibank's long term needs because it has been specifically designed to solve all major problems associated with content management, authoring and multi-mode publishing.
	www.author-it.com /?page=kiwibank (230 words)

	BBC News \| BUSINESS \| New Zealand's 'people's bank'
		Owned by the New Zealand Government and pitched as a no-frills "people's bank", Kiwibank is targeting customers dissatisfied with the service and fees associated with the major players.
		But Kiwibank may yet be a victim of its own success.
		From an idea in June 2000, Kiwibank has come a long way quickly, but the project is still very much in its infancy.
	news.bbc.co.uk /1/hi/business/1963655.stm (542 words)

	Proposed laundering laws irks Kiwibank - Breaking News - Business - Breaking News
		Kiwibank chief executive Sam Knowles is concerned that proposed money laundering laws will stifle competition among New Zealand's banks.
		The NZ Ministry of Justice is considering submissions on proposals to toughen up legislation dealing with identification requirements and reporting of transactions.
		Mr Knowles said the NZ government's proposed regime would favour the established banking heavyweights, who were defending their market share against challengers such as Kiwibank, The New Zealand Herald reported.
	www.theage.com.au /news/Business/Proposed-laundering-laws-irks-Kiwibank/2006/12/18/1166290444702.html (245 words)

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