<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://www.businessdesk.co.nz/finance/fraser-whineray-calls-for-compulsory-kiwisaver-with-12-employer-contributions/LL3OIEYTQJDCBKYGFFLRGBEJJE/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/2DJAUCUAOQFV6RTARM7G3KRR7M.jpg?auth=dfd57acb645104c613a6aa7571ed76918ef5bb8afe5f6c46ce36782120a26e49&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Fraser Whineray wants KiwiSaver 2.0 to provide a foundation for personal dignity, resilience and independence for New Zealanders in retirement.]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/kiwisaver-reform-dean-anderson-calls-for-voluntary-contributions-and-early-access/GESCXCT6NFDP5JJZXBE2EATB2E/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/2DQQSJNX5ZJODINDXLPKD3CXBU.jpg?auth=434adf5b662c66d5f553133e87623ff64e33fe683c5b15281281a22d57d87104&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Kernel's Dean Anderson says KiwiSaver needs to embrace a plateful of change if it is to provide for Kiwis in retirement. Photo / supplied]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/world-business/it-looks-like-a-music-festival-its-really-a-sales-pitch-for-private-credit/PLW4BPEMG5DJBIEYNVQCZQ5V2A/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/FSBTQKYZDNERRJZVXLEEEXPYLY.jpg?auth=a73494d667a243fab5dcb4b4fdfb50cf90f17799ebbc3bf758f837cc1a24d9ce&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Private credit firms court individual investors with festivals and F1 deals. Photo / Youtube]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/sustainable-finance/green-bonds-now-a-big-slice-of-nzx-debt-market/V6ZIBZIR4NO4PMYYFRMGICH65Y/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/IWH4AB2BDRJN5GX3VQCGA44A5Q.jpg?auth=08b595c87e6c8fbf1f4e3137c7fd96e7cc46e750f36ca19ecad99a76ba3f63a2&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Social housing provider Kainga Ora, registered as Housing NZ, has $7.6 billion of debt in sustainable bonds. (Image: Michael Craig)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/fonterra-completes-soprole-sale/VLEH3QWSDZPFXB5PDRKYB35NSA/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/SAJDU77FXJMA7II7KLLAMW7V5A.jpg?auth=f30b54d98109750c35576be49035576df04c465230cc4bacc3543127d8fcb2ce&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The sale of Soprole is a significant milestone in Fonterra’s strategy, says Fonterra. (Image: Soprole)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/kiwi-hits-10-month-high-vs-aussie/S4YTSNU465M3VBHAFIMMNCRC5I/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/PXSB6PSYG5IO5AQFCYMEV2AKRY.jpg?auth=36cbe100b58eadea79db55a5e4d5f39d3f53f520228094dd46638a6799b5aff3&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The NZ dollar was trading at 94.01 Australian cents at 3pm in Wellington today. (Image: Deposit Photos)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/manawa-energy-led-nz-market-lower-after-disappointing-earnings/YSKFY4YOAVLEXPNZZDI45XSY5U/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/Z53OEAU3CJJRTMMUPNJGF655YA.jpg?auth=f563dbd7fdefea1222c361bbc2e5d3b0eb9845dfa862e6dbf57a300078f7f147&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Manawa earnings were down down 34% from the previous period. (Image: Manawa)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/milford-stood-out-from-the-pack-infinz-judges/3KKFFGPBM5N2FLH47WYQBUEV3A/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/DRXCQ4VVERKA7P5MNAI3KLQC6I.jpg?auth=b80739ab0eba264f66bd4e17ef8edae0d4d9ba98617706d9e306471895004e15&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The award was due to Milford’s commitment to active management, Jonathan Windust said. (Image: Milford)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/milford-ceo-to-step-down-in-2024/JCFRTZCQFJKKBKYEPI6Q25NCEI/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/LK4K376OJZIUDK3HPN4UWJYFRE.jpg?auth=886f7e0d93c4ade6b685ccfb9d96b47781fe8589f15c97ed9d023a977c1d969d&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Mark Ryland. (Image: Milford)]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/fisher-funds-names-paul-huxford-as-new-cio/IFW3BHVCARLGLMTQSWRUZKWF6Y/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/CEXM7SRJYJLI5O45KYQMRDRXQM.jpg?auth=d7175ca16d9dc29d35240aeb36c07eef13b64334b342c9750a7091806d9a2916&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Fisher Funds has appointed Paul Huxford as its new chief investment officer.]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/economy/banks-withstand-oil-shock-recession-and-cyber-attack-in-stress-test/6MNCWK2PLFIWROMXE72CXKZZ7E/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/FM7PLPEERRK5TLIPWRT54562O4.png?auth=bf027127fbcd9dd6ff5c5fa5f4b589c12bdda5a9d00be4934b1d9e8ff2854548&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[A joint RBNZ-APRA stress test has found banks remain resilient through a downturn. Image / 123rf]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/markets/barrenjoey-eyes-nzx-after-jarden-raid-and-craigs-deal/CUVFFKLY5ROAHJSIOQQXQ2NA6E/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/V3VHDA4ZQJIKVPDCN3YJDQH3YM.png?auth=4ebaa1709b2603065b5c8c5fce6232f81a88ca0ff5f8dc3aa59075528798fe7d&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Barrenjoey entered NZ in July with a bang, poaching Silvana Schenone and Dan Reynolds from Jarden. Photo / BusinessDesk composite]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/markets/brokers-group-securities-industry-association-calls-for-capital-markets-shake-up-at-fma/QEJUWJT2YNIQ5AUOYCL2ANVAJU/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/42GYJ2CX7VI5JPGBI5AFDGY4S4.jpg?auth=654929bd42a8247bd70398e5c4a8a077a0728f0bfd6f54e93defdd7453db7660&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Securities Industry Association chair Carl Blanchard says there is a fight for capital, and NZ must compete. Photo / NZME]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/kiwibank-sits-out-refresh-of-government-banking-panel/3JGBQ7HLSNJBHFSX6EENL45A6U/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/B5BOX2FCQRIIBKEIVQPQ4DQG4U.jpg?auth=b42c345963788d56eda8d6b40cc2c2551b9088d9688d668bd65591ce6dd59350&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Kiwibank says it is not in a position to provide Government banking services, although it may want to in the future. Photo / Kiwibank]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/digital-banking-up-as-cash-use-fades/YVAYHAPMMRKP7MU6BRSSINPEYE/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/HJAT4VB55VK2RFTPUOKUGCZUXM.jpg?auth=4701e0dfb68fe63b344c4ef04c640838b6fc5327de1ef062c27d2abb9aba3a60&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[NZ Banking Association chief executive Roger Beaumont observes that cash use across the nation continues to decline. Photo / Supplied, DepositPhotos]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/opinion/nz-bank-regulation-reform-back-on-the-agenda/ELKSWJFS4ZKQTPGJJCTG637TYY/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/3DTB2VV5URNRDDXJFAGETYD74A.jpg?auth=4218335c855fb6ce52ed90fc43f12dcf0fae04db0a6911ec20f36cce486dcce6&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The Reserve Bank of New Zealand has been urged to rethink how it regulates banks. Photo / Composite]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/government/policy/head-to-head-beyond-the-ballot-2026/CPFAPPUZRJJP5NFJBHLZ23EPEU/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/EAWOAF6CHNPFNHBI2JLJQSXDTA.jpg?auth=c087297d9ca0871ad34659944fdc224c9e66751b8a31595c4e98a88c469c7130&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Finance minister Nicola Willis and Labour's finance spokeswoman Barbara Edmonds will face off.]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/infrastructure/niffco-faces-financial-scrutiny-bishop-wants-to-reform-investor-pathway/PH2EJXR7YZLP5N7AZAIM7YY4QI/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/P5NVTSZKBJOHDJQKLJ5SJLRWKE.jpg?auth=cab2393d2160f3dee7bf6db648e95c8745a4c4d37ccd529a7daf11229664caca&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Infrastructure Minister Chris Bishop says the market-led proposals process to attract private sector infrastructure solutions has not been successful. Photo / NZME]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/markets/jarden-hires-forsyth-barr-directors-nick-mclister-and-jared-butters/DT3ILBSTRZLTXDYM7ZYP3IIVVQ/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/BVPTMATKBRMTFLHGTVDOGAW2AY.jpg?auth=4b2d85c0647736c7ac3df619e495bb074209181ad2eac80f8bcbccfd1e959cda&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Jarden says the new hires complete its equities team.]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/markets/sharesies-index-investor-confidence-falls-to-lowest-level-since-late-2024/4BAXWWFP6JIIJM2HMSQJI4I4WM/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/3SZRFAEXMVLPTCIX4BMKCMWVMA.jpg?auth=f6ff719ee72417cf09e5ccffa2926a175388c6bbeecbef24e150d77644d150f1&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Sharesies wealth general manager Scott Nixon says its more than one million investors were more cautious. Photo / Supplied]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/government/law-regulations/nz-investigation-into-uk-sanctioned-maritime-insurer-continues/YGZKXB4QCBOCDEISCZPF4P5AIM/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/Z33Z3RFSBVMNVOKIEL2PCKK5B4.png?auth=66f8ee2a966633583916cdaa24dd79a13fe961492f84142a0fe83029e1d3b07b&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The Auckland office building where Maritime Mutual has its registered address. Photo / NZME]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/markets/big-gains-for-gentrack-this-week/ER27T7BRVZJNXNRYOEMU367ATQ/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/WQXTKKNS3NMKBFSLDPKGZYYNQE.jpg?auth=59ab4395c958021497028183af9b04b1a7eaee64976a28cccb56795fca48614b&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Gentrack is the biggest gainer on the NZX50 this week. Image / Supplied]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/results-roundup-building-societies-grapple-with-housing-softness-and-subdued-economy/ECPII4TLSJJLZO33TKS3GFFC2Y/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/ACXG6IXZM5J2NIOS2F4ZIERWMY.jpg?auth=1b15c99ff53c6232ff34571f14c94d7d94ba955075d36f73d98712a5866def50&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[New Zealand’s property market was in focus in the building societies’ results. Photo / Getty]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/property/mortgage-broker-squirrel-plans-public-listing-for-2027/XYIQK5NZDZLOXKGC5CFOG6SQ3M/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/FNWMVXEL2VOAFLDSZK7K3CELGI.jpg?auth=2547e4b02b5c7f1a0f2bcaf15859db8f3773338d842604135cc5cb6783ae84ec&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Chief Squirrel David Cunningham lays out the land. Photo / BusinessDesk]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/sustainable-finance/mindful-money-moves-into-australia-as-founder-barry-coates-steps-down/XBSB5XDJZJKTHAA66QFUZDAGVM/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/DCIR34J22NOCNKMB4SZMEH474M.jpg?auth=e62b77ef5a1d7cd5b6ed909486c2cfd1021e79b2231259aeaf05c9a9578b5062&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Mindful Money founder and former CEO Barry Coates is taking a back seat. Photo / Supplied]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/labour-pledges-to-open-up-banking-competition/CH6AEIFCZ5LOXHTFKUT45Q7LOM/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/7OCUZKI5TVNVVKSU2HAKQEYLMQ.jpg?auth=d05a0685073240b36bfdc64a7f6463fa14feb8d3f8d99c77ae0a04b7a9ce0b85&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Labour has outlined its election policy to open up banking sector competition. Photo / Depositphotos]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/new-zealand-investment-offshore-dealmakers-still-see-it-as-attractive/NVTFGT6KO5MCRC33XZRPJ36RHM/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/6Z7W4NHBUZM3VMQJB3IN3XKD4Q.jpg?auth=014993b582d241ce1abe5b2301caab1ddb3428f6e2df70e5bf3db9683eac5c7b&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Simpson Grierson partner Anastasiya Gamble says the firm’s survey highlights international dealmakers’ perceptions of NZ as an investment destination. Photo / Supplied and Getty]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/infrastructure/christchurch-council-weighs-enable-sale-as-fibre-company-repays-loans/5WNUOW7CDVPCHDHLOBAWDJJWKE/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/Y2CR2A74OBJ3HMGMOLWMKXXUOM.jpg?auth=05a5c71c348c64e28e8763e1d842d82727f5d8a7c34027d31e509283c8632c66&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[CCHL is seeking delegated authority to sell 100% of fibre broadband owner Enable. Photo / Getty Images]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/investments/kiwisaver/kiwisaver-hardship-withdrawals-top-first-home-buys-again/QTZW64ZQNBNH7CJRNHIII23DTQ/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/DK7M23DGLJLD3CLUH7KICQJXKE.jpg?auth=50dc6e1813aac5ea79eb55369e24258a9943f6267231f4ce7c9a0ac14e985919&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[The Inland Revenue Department’s latest monthly KiwiSaver data shows cost-of-living pressures remain. Photo / Getty]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/investments/kiwisaver/aurellan-ponders-kiwisavers-growth-assets-exposure/PUUS5VQVHFJLZJE3JZJYJ56PM4/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/4UBWRR2SSNJ77PGHLBSNJNWS5M.png?auth=e830333afea7a22a88a05dd5f2b184372a68134471f5fcf5597efb04f58a25b9&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Aurellan's Chris Di Leva explores growth assets and diversification in KiwiSaver. Photo / Supplied]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/investments/kiwisaver/milford-links-10-year-performance-to-diversification-covid-recovery/F3APSNVLLJKABLBRNXG2AUO26Y/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/YIWXRCU6VBMX5HGKKLIILRMD3A.jpg?auth=818d9ce40dd4274429d98fc9724e36df65b2515bf97b7cf5abcdea9db4e73d8f&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Milford's Wayne Gentle endorses the strategy behind the firm's KiwiSaver Active Growth Fund. Photo / Supplied, Getty]]></image:caption></image:image></url><url><loc>https://www.businessdesk.co.nz/finance/we-took-the-hard-path-fintech-qippay-gets-a-5m-equity-investment/SNJDGVCNDRKXTIEWSCBXKQDOOI/</loc><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessdesk.co.nz/resizer/v2/5K7UYFIDQ5J63B2XED3CJ6GRNI.jpg?auth=844732b954bdff0a280423ee7f50eb2c95452a24ebd2d1b57eb2a3d15aafb3ee&amp;smart=true&amp;width=1024&amp;height=768</image:loc><image:caption><![CDATA[Qippay's Ashley Lake-Johns and Wayne Deas look ahead after securing a $5m equity investment.]]></image:caption></image:image></url></urlset>