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pandora baratas very well run and able to adapt to change.While they might not continue to break records for profits Kensington doubts any will post losses because bank balance sheets remain big.But what they will have is some challenges in some areas.Kensington says the banks have enjoyed the ability to get cheap deposit funds locally and an easy market to raise money off shore.But with the US Federal Reserve rate heading upwards funding costs could also rise.And there are minor concerns about the level of borrowing done off shore.The credit rating agencies will look at that.In the middle of last year banks hit a point where they were lending out more than what they were getting in in deposits a situation that affects their core funding ratios.Kensington says the banks face a benign situation from the New Zealand economy which is doing pretty well.But a global issue could put pressure on them.There is really nothing on the horizon in New Zealand that is going to give rise to problems.It's really going to be a global issue like Trump or the Asian slow down and any trickle down affects.Brexit or Trump could cause a hiccup to trade. The thing that will upset the economy will be something external.Kensington said turning the tap off immigration would be a big mistake for New Zealand.People are saying it has got to stop because its forcing house prices to rise.But it is also bringing a large amount of money into the country. We need the deposits and skills. In factcanny stories are protean and riveting as they record the strange business of death and the fleetingness of life in the fictional town of Cedarsporting his signature playoff mullet and holding a scroll with the chorus of Dagger The hockey skates peeking out from beneath his robes are a nice touch as well. At the shrine base are two hockey sticks.
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