|Traded as||ASX: ANZ|
|Industry||Banking, Financial services|
|Founded||2 March 1835|
|Headquarters||833 Collins Street|
Docklands, Melbourne, Australia
|Revenue||A$21.071 billion (2015)|
|A$7.493 billion (2015)|
|Total assets||A$889.9 billion (2015)|
Number of employees
The Australia and New Zealand Banking Group Limited, commonly called ANZ, is an Australian multinational banking and financial services company headquartered in Melbourne, Australia. It is the second largest bank by assets and third largest bank by market capitalisation in Australia.
ANZ was established on 1 October 1951, when the Bank of Australasia merged with the Union Bank of Australia Limited. It is one of the big four Australian banks, with the Commonwealth Bank, National Australia Bank (NAB) and Westpac.
Australian operations make up the largest part of ANZ's business, with commercial and retail banking dominating. ANZ is also the largest bank in New Zealand, where the legal entity became known as ANZ National Bank Limited in 2003 and changed to ANZ Bank New Zealand Limited in 2012. From 2003 to 2012, it operated two brands in New Zealand, ANZ and the National Bank of New Zealand. The National Bank brand was retired in 2012, with a number of branches closing and others converting to ANZ branches. In addition to operations throughout Australia and New Zealand, ANZ also operates in 34 other countries.
ANZ was named the most sustainable bank globally in the 2008 Dow Jones Sustainability Index making it the 2nd year in a row ANZ has been granted the title. In 2007 the title was shared with another Australian bank, Westpac, which had held the title for the previous five years.
- 1 History
- 2 Organisational structure
- 3 Asia-Pacific
- 4 Offshoring of jobs
- 5 Advertising
- 6 New headquarters
- 7 Controversies
- 7.1 Manipulation of benchmark interest rates and other key metrics
- 7.2 Agriculture and child labour
- 7.3 Litigious approach
- 7.4 Culture
- 7.5 Malaysian scandal
- 7.6 Misleading file notes presented to Victorian Supreme Court
- 7.7 Out-sourcing of jobs
- 7.8 Anti-competitive conduct
- 7.9 Panama Papers
- 7.10 Criminal cartel charges
- 8 Coat of arms
- 9 See also
- 10 References
- 11 External links
- 1835: Bank of Australasia was founded in London, which combined with the Cornwall Bank, which had been formed in Launceston, Van Diemens Land in 1828
- 1837: Union Bank of Australia established in London by a group of people including George Fife Angas, a banker and slaveholder.
- 1852: The English, Scottish and Australian Bank (ES&A) established in London, and opened its first Australian branch in Sydney in 1853, and then in Adelaide, Hobart and Melbourne. The ES&A bank took over the Commercial Bank of Tasmania Limited and the London Bank of Australia Limited in 1921 and the Royal Bank of Australia Limited in 1927.
- 1951: Bank of Australasia merges with Union Bank of Australia to form the Australia and New Zealand Bank Limited (ANZ Bank)
- 1963: First computer systems established in new data processing centre in Melbourne, Australia
- 1966: ANZ starts operations in Honiara, Solomon Islands
- 1968: ANZ opens office in New York, USA
- 1969: ANZ establishes representative office in Tokyo, Japan
- 1971: Opens representative office in Malaysia
- 1976: ANZ (PNG) established
- 1977: ANZ incorporated in Australia (transfers from UK)
- 1979: ANZ acquires the Bank of Adelaide
- 1980: Singapore and New York representative offices upgraded to branch status
- 1984: ANZ purchases Grindlays Bank
- Opens branch in Rarotonga, Cook Islands
- Opens branch office in Paris, France
- 1989: Purchases PostBank from New Zealand Government
- Acquires 75 per cent of Bank of Western Samoa
- Opens representative office in the Philippines
- New world headquarters built in Melbourne, Australia
- Joint venture established with PT Panin Bank, Indonesia
- Opens a branch in Hanoi and a representative office in Ho Chi Minh City, Vietnam
- Opens a branch in Shanghai and a representative office in Guangzhou, China
- Starts operations in Tonga
- Sold Canadian operations acquired via the purchase of Grindlays Bank in 1984 to HSBC Bank Canada
- www.anz.com launched
- ANZ opens its second Vietnamese branch at Ho Chi Minh City
- 1998: Acquires stake in PT Bank Pan Indonesia (Panin Bank), Indonesia
- ANZ sells its Grindlays businesses in the Middle East and South Asia, and associated Grindlays Private Banking business to Standard Chartered
- Granted local currency (Renminbi) licence from the People's Bank of China
- Acquires 75 per cent of Bank of Kiribati
- ANZ Timor Leste opens
- Establishes cards business in Hong Kong
- 2003: Acquires National Bank of New Zealand
- 2005: Establishes ANZ Royal Bank in Cambodia, a joint venture with the Cambodian-based Royal Group company
- 2006: New world headquarters announced for Melbourne Docklands near the headquarters of the National Australia Bank
- ANZ wins Money Magazine "Bank of the Year" award again after having lost to National Australia Bank in 2006
- ANZ acquires E*Trade Australia
- Mike Smith, formerly of HSBC, assumes the role of CEO with the retirement of John McFarlane on 1 October 2007
- ANZ acquires a 20% stake in Bank of Tianjin, China.
- ANZ acquires Citizen Securities Bank (Guam)
- ANZ takes over from telecommunications company Telstra as naming rights sponsor for Sydney's Stadium Australia.
- 25 September 2009 Announced it will buy out ING Group's 51% stake of the JV, ING Australia giving ANZ 100% control of ING Australia.
- 12 November 2009 ANZ opens new ANZ Centre headquarters in Docklands, Melbourne
- 1 December 2009 ANZ officially gain full ownership of ING Australia.
- Announces retirement of the National Bank brand in New Zealand.
- Becomes the first bank to reopen in the Christchurch CBD following the 2011 earthquakes
- The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry heard that ANZ had failed to accurately verify the living expenses of home loan customers referred to the bank by mortgage brokers, believing that this was the responsibility of the brokers, in spite of a conflict of interest in doing so;:465–469 and that, due to processing issues, it had charged nearly 500,000 home loan customers the incorrect interest rate for more than ten years, leading the bank to overcharge customers by approximately $90 million.:662:707
- Retail Products
- Retail Distribution
- Commercial Banking
- Wealth (including ETrade in Australia and OnePath)
- ANZ Bank New Zealand
- Institutional Banking
- Asia and Pacific
ANZ is one of the leading Australian banks in the Asia-Pacific region. It has been aggressive in its expansion into the emerging markets of China, Vietnam and Indonesia. ANZ is also a leading bank in New Zealand as well as several Pacific Island Nation where it competes in many markets with fellow Australian bank Westpac. ANZ's arm in New Zealand is operated through a subsidiary company, ANZ National Bank, from 2003 to 2012, when it changed by ANZ Bank New Zealand upon merging the ANZ and National Bank brands.
In March 2005, it formed a strategic alliance with Vietnam's Sacombank involving an acquisition of 10% of Sacombank's share capital. As part of the strategic alliance, ANZ will provide technical assistance in the areas of risk management and retail and small business banking.
ANZ has followed a similar strategy in China, where it acquired a 20% share in Tianjin City Commercial Bank in July 2006. It also negotiated a similar deal with Shanghai Rural Commercial Bank.
In August 2009, ANZ purchased RBS's retail units in Taiwan, Singapore, Indonesia and Hong Kong, as well as RBS'si banking businesses in Taiwan, the Philippines and Vietnam. It was purchased for the price of A$687 million.
As of September 2012, the company had a total of 1,337 branches worldwide.
In 2016, ANZ adopted less aggressive approach to expansion in the Asia-Pacific region after low returns. At the end of October 2016 ANZ announced the sale of its Asian retail and wealth management operations to the Development Bank of Singapore; ANZ also signalled a withdrawal from its "Asian pivot".
Offshoring of jobs
ANZ have been progressively increasing work output from offshore offices. ANZ's Bangalore office has been operational since 1989, making it one of the first organisations to employ IT staff based in India. ANZ employs around 4,800 staff in Bangalore, India. 1500 IT positions, 2000 positions in Payments and Institutional Operations and International and High Value Services and 1300 positions in Operations Personal Banking have been shifted from Melbourne to India. In 2006, ANZ predicted that by 2010, over 2000 jobs would have been shifted from Australia to Bangalore. In 2012, ANZ transferred 360 permanent staff from Melbourne and Bangalore to Capgemini. All these staff worked in the Technology Testing and Environment Space. As ANZ CIO Anne announced earlier that ANZ want a Hybrid model of technology in order to achieve the 2017 Technology roadmap.
In 2005, an advertisement included two famous robots: Lost in Space robot, and a Dalek from Doctor Who, although the Dalek was replaced in subsequent versions of the ad. In 2006, the company started a TV campaign with a series of ads featuring their new mascot – the Falcon, a bird trained to stop credit card thieves, illustrating the company's measures in prevention of credit card fraud. In 2010, ANZ ran an ad campaign parodying common banking scenarios with a fictional character known as 'Barbara who lives in Bank World', a middle-aged, rude, sarcastic and unhelpful bank manager. The adverts have received acclaim for wit and humour, but also criticism for stereotyping bank managers. Barbara is portrayed by Australian comedian Genevieve Morris. In 2010, ANZ spent $195m in Australia on advertising.
In 2015, ANZ held a campaign in sync with the Sydney Gay and Lesbian Mardi Gras. In 2016, New Zealand ANZ had the highest spend of any bank. One third of ANZ's spend on media is said to be digital.
In September 2006, plans were unveiled for ANZ's new world headquarters to be located in Melbourne's Docklands precinct. The complex features a vast low rise office building, shops, car and bicycle parking facilities. The new complex will enable 6,500 ANZ staff to work in one integrated area, however the company will maintain its flagship building, 100 Queen Street Melbourne. The new headquarters is the largest office complex in Australia at 84,500 m² NLA, 130,000 sqm GFA and an accredited 6 Green Star Building. Construction commenced in late 2006 and the building opened in late 2009. The building is located at 833 Collins Street. It has been designed by HASSELL & Lend Lease Design – fronting the Yarra River.
ANZ announced in 2016 that it would be selling its old Melbourne headquarters. The old bank building, fronting Collins Street, in Melbourne, was purpose built as the head office of the English, Scottish & Australian Bank (an ANZ predecessor) from 1883–87.
Manipulation of benchmark interest rates and other key metrics
In 2016, ANZ and 10 of its traders were named as being the subject of legal proceedings for manipulation of the benchmark inter-bank interest rates in Australia; specifically ASIC has made claims of unconscionable conduct and manipulation against ANZ. ANZ has attempted to deny the claims and says it will defend the claim in court. Formal filings of the originating process in this regards were made against ANZ on 4 March 2016. Since that time ASIC has compounded their claim against the ANZ. In a separate court appearance in November 2016 ANZ admitted to 10 instances of attempted cartel conduct regarding alleged manipulation of the Malaysian ringgit. The wider market rigging case has been reported as likely lastining into 2018.
Agriculture and child labour
ANZ has been the subject of claims that it has backed agriculture and timber companies that engage in so called 'land grabs'. In 2014, ANZ faced allegations that it funded a Cambodian sugar plantation that has involved child labour, military-backed land grabs, forced evictions and food shortages.
ANZ has also been criticised in the Senate for its allegedly "hard boiled" approach to farmers exposed to the fallout from ANZ's purchase of the Landmark loan book. One submission to the Senate inquiry into bank conduct mentioned one farmer self-immolating after alleged defaults occurring. Another former customer in the Senate inquiry was mentioned as being subjected to victimisation by receivers and police, including use of SWAT teams and being held at gun-point. In 2016 it was reported that ANZ was accused of racism in a high-profile court case involving the businessman Pankaj Oswal and his wife; specifically it was reported that an email contained comments stating that, "“We are dealing with Indians with no moral compass and an Indian woman [the wife of Mr. Oswal], as every bit as devious as PO (Pankaj Oswal),” and “This has been a very Indian characteristic transaction." The ANZ agreed to a settlement for an undisclosed amount in respect of the legal claim made by the Oswals.
Former ANZ CEO Shayne Elliott admitted in 2016 that "culture" will be one of the biggest challenges for ANZ. Media reports have included allegations of sexism, drug use and bravado culture. In 2016, ANZ was pursued in court over its suggesting on social media that criticism of the bank's chief financial officer might have been sexist, which resulted in the broker at Bell Potter losing his job. Former ANZ director John Dahlsen in 2016 admitted that there are issues with bank culture and competition. In November 2016, there were further claims of sexist conduct and a separate lawsuit was filed against ANZ in the United States regarding staff at its New York office.
In early 2016, ANZ was also mentioned in a scandal in Malaysia involving one of ANZ's subsidiaries and the Malaysian leader. The incident has raised questions for ANZ. ANZ admitted in November 2016 that it had little ability to control its affiliate.
Misleading file notes presented to Victorian Supreme Court
In 2016, there was an incident reported involving the Financial Ombudsman Service (Australia), where the Financial Ombudsman Service presented misleading file notes to the Supreme Court of Victoria, in the discovery phase of a case involving ANZ, to the benefit of ANZ's case. The ANZ has not commented on the scandal as yet.
Out-sourcing of jobs
ANZ has continued to out-source jobs in countries other than Australia and this has caused some controversy with some outlets.
Despite the ANZ taking advantage of block-chain technology the ANZ had blocked businesses making use of bitcoin. The ANZ was investigated by the Australian Competition and Consumer Commission and was cleared of colluding with other banks on the issue of bitcoin based business. A number of prominent Senators[who?] have called the investigation into question and continue to criticise the conduct of ANZ and other large banks on this matter.
Criminal cartel charges
On 1 June 2018, the Australian Competition and Consumer Commission (ACCC) announced that criminal cartel charges are expected to be laid by the Commonwealth Director of Public Prosecutions (CDPP) against ANZ Bank, its Group Treasurer Rick Moscati, along with Deutsche Bank, Citigroup and a number of individuals.
Coat of arms
- ATM Industry Association (ATMIA)
- Banking in Australia
- List of banks
- List of banks in Australia
- List of banks in Oceania
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