The Reserve Bank of New Zealand and the Financial Markets Authority will release their joint report into the culture and conduct of banks in New Zealand this afternoon. Analysts expect the report, that follows a six-month review by the two regulators, to point out some areas of concern but not to have the shock and awe effect of the Hayne royal commission from across the Tasman. Westpac on Friday provided a fresh and elevated estimate "for customer payments and related costs that will impact its full year 2018 results" - which it will release first thing this morning. These are now put at A$281 million, up $46 million on an estimate disclosed in late September. ASIC on Friday said it obtained a court order to appoint a receiver to the Goldsky Global Access Fund Pty Ltd as well as over the assets of its principal, Kenneth Charles Grace and associated entities. The Queensland Supreme Court also made freezing orders restraining the disposal of any property by Grace, the fund and two other entities. In late September, the SEC filed a civil suit in the United States District Court, Southern District of New York against Goldsky Asset Management LLC and Mr Grace.