Kiwibank full year results for the year ended 30 June 2025

"At the same time, we continued building the Kiwibank of the future by investing to be more adaptable and customer focused. Over the past 12 months, we delivered key advancements including enhanced fraud protection, faster lending decisions for small businesses, and piloted our first product on a new core banking platform.

"We believe strongly in technology to deliver convenience for customers, but recognise that being face to face with your banker in moments that matter is still highly valued by customers. That is why we continue to have the largest physical banking network in the country with ongoing investment in our branch network, including moving into New Zealand's busiest mall in Newmarket (Auckland) and committing to Northland with plans for a new Kerikeri branch and a refurbishment of Whangārei Central to deliver faster, more convenient service."

FY25 non-financial highlights

"In FY25, we reshaped our credit card offering to deliver greater value to more Kiwi, moving away from exclusive rewards and introducing benefits like enhanced travel insurance and features that reflect what customers value today.

"We also challenged the status quo with initiatives that unlock opportunity, including funding for entrepreneurs (StartUp+) and removing fees for standard open banking API requests. Kiwibank was among the first to roll out Confirmation of Payee, helping protect customers from fraud and scams.