Banking

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The corporate regulator has commenced civil proceedings in Federal Court.

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On Monday, 30 May, ASIC confirmed it is suing ANZ for overstating its account balances and charging fees.

In a statement, the corporate regulator alleged that between May 2016 and November 2018, around 165,750 ANZ customers were charged cash advance fees and interest for withdrawing or transferring money from their credit card accounts based on an incorrect account balance.

ASIC claims that the issue is still yet to be “adequately fixed” and that customers are still being affected.

“We are concerned that, over a long period of time, ANZ overstated the available funds and balances on credit card accounts, and nonetheless charged fees and interest to customers who relied on this information when making withdrawals,” ASIC deputy chair Sarah Court said.

“In some cases, single customers were charged thousands of dollars in fees while the average cash advance fees and interest charged per affected account was $47.

“This alleged misconduct is the result of system errors within ANZ and a lack of effort to comprehensively fix these issues. We say that ANZ has been aware of the unlawful charging since at least 2018 and the problem is still occurring today.”

ASIC further alleges that since 24 September last year, ANZ engaged in “misleading” conduct where the amount of a customer’s ‘balance’ or ‘funds’ was in credit, the balance would be available to the customer for withdrawal without incurring fees or interest.

ASIC is seeking declarations and pecuniary penalties and orders from the Court that customers who have been charged since 2018 be remediated.  

In its own statement, ANZ said it is "considering the matters" brought forward by ASIC.

"ANZ will not be providing further comment given the matter is now before the Court," the statement read.

A hearing date is yet to be scheduled.

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• Yes

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The corporate regulator has commenced civil proceedings in Federal Court.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/borrow-money/banking/anz-sued-for-allegedly-misleading-customers" ["image"]=> string(44) "images/article-826x550/ANZ-new-still1-ne.jpg" ["image_alt"]=> string(43) "ANZ sued for allegedly misleading customers" } [1]=> object(stdClass)#8045 (57) { ["id"]=> int(18296) ["title"]=> string(65) "Banks report $14.4bn profit amid pressure on net interest margins" ["alias"]=> string(64) "banks-report-14-4bn-profit-amid-pressure-on-net-interest-margins" ["introtext"]=> string(246) "

Australia’s major banks have reported a significant boost to their bottom lines and returns in the first half of the 2022 financial year, signaling sector-wide resilience despite persistent pressure on their net interest margins (NIM).

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Indicating a healthy outlook for Australia’s network of major banks, a new analysis from professional services network KPMG revealed big banks raked in a combined after-tax cash profit from continuing operations of $14.4 billion in the first half of 2022.

This translates into a 5.1 per cent increase against the comparable period in 2021, indicating that bank profits are returning to their pre-COVID levels despite remaining “slightly” down, by 0.4 per cent, on the results clocked in the first half of the 2019 financial year.

According to the KPMG report, the growth in cash profits hinged on the increase in total operating income (on a cash basis), which edged up 0.8 per cent on the year, rising from $39.6 billion to $39.9 billion.

“Off the back of this earnings growth, the Majors’ return on equity (ROE) has risen to 10.6 per cent from 10.4 per cent in FY21,” the report found.

Continuously strong volumes in both mortgage and business lending contributed to a lift in operating incomes, KPMG explained.

The firm’s head of banking and capital markets, Steve Jackson, said the major banks have successfully capitalised on the recovery of the Australian economy and the strong housing market performance to deliver improved financial results.

“With returns on equity in the sector now again restored to double digits but with uncertainty ahead, it will be interesting to see how they maintain their current momentum,” Mr Jackson said.

But despite the apparent resilience in banking profits, KPMG pointed to a decrease in net interest margins with the average NIM for the major banks down 13 basis points to 175.

“The industry-wide depressed NIMs have been the primary brake on the majors’ profit growth,” the KPMG report said.

KPMG’s banking strategy lead Hessel Verbeek said the market dynamic has been dominated by the NIM decrease resulting from low lending rates in a very competitive market and strong demand for low margin fixed rate mortgages.

“This downward pressure has only partially been offset by lower funding costs from near-zero deposit rates. The impacts of an extended period of low interest rates are deeply baked into net interest margins,” Mr Verbeek said.

Moving forward, the RBA’s recent rate rise has signalled the end of the prolonged period of ultra-low interest rates, creating a general expectation that this will support a recovery of NIMs.

“We expect to see the dual impacts of both net interest margin relief and higher levels of mortgage book stress, as RBA interest rates are expected to increase several times. However, these impacts will take their time to pull through as both margins and book quality have built up their momentum over a long period of low rates,” said Verbeek.

Another interesting development highlighted by KPMG when looking at the major’s results has been the decrease in balance sheet strength, with the average CET1 ratio declining by 90 basis points to a still very strong 11.8 per cent.

KPMG noted that while in recent years, the majors have been shoring up their capital position through divestments and lower dividend pay-out ratios, this trend appears to have ended.

“We may have reached an inflection point on balance sheet strength. This signals that the Majors have left the recent disruptions behind them, and are now charting a new course. They are starting to ‘draw down’ on the balance sheet ‘deposits’ they have been making since 2020,” said KPMG banking partner Maria Trinci.

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Australia’s major banks have reported a significant boost to their bottom lines and returns in the first half of the 2022 financial year, signaling sector-wide resilience despite persistent pressure on their net interest margins (NIM).

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NAB and ANZ announced their half-year results this week.

" ["fulltext"]=> string(3019) "

Australia’s third and fourth largest banks both posted a lift in profit this week as part of their half-yearly results.

On Thursday, NAB reported a statutory net profit of $3.6 billion while also confirming a spike in cash earnings.

The bank’s cash earnings were up 4 per cent on 1H21 to $3.5 billion. Revenue also increased by 4.6 per cent from March 2021 - due to reported higher volumes, increased fees and commission income, offset by lower margins - as did lending (10 per cent) and deposits (12 per cent).

NAB also confirmed it will pay an interim dividend of 73 cents per share, fully franked.

Following the release of the results, NAB CEO Ross McEwan said capital levels remain above targets despite the $2.5 billion buyback it completed in March, with another to commence at the same figure in May.

On the back of the buyback, Common Equity Tier 1 (CET1) was reported at 12.48 per cent, 52 basis points lower than September last year and closer to its target range of 10.75 to 11.25 per cent.

Mr McEwan said that the FY22 term funding is also “well advanced”.

“The lift in our interim dividend reflects progress of our strategy, confidence in the sustainability of our performance and our continued optimism in the medium term outlook for the Australian and New Zealand economies," he said.

ANZ profits up

On Wednesday, ANZ reported a statutory profit after tax for the half-year ended 31 March 2022 of $3.5 billion, up 10 per cent on the previous half.

The bank also confirmed cash profit from continuing operations of $3.1 billion; down 3 per cent on the prior half.

The proposed interim dividend remains unchanged at 72 cent per share fully franked.

Cash return on equity fell slightly to 10 per cent, while return on average assets remained stable at 0.62 per cent.

ANZ chief executive Shayne Elliot called the latest results an “important half in the continued transformation” of the bank.

“Looking ahead, the economic environment is likely to be very different and we will continue to adjust our risk appetite, business settings and investment priorities as required,” Mr Elliot said.

“We are already seeing increased demand from our business customers and we are well placed to continue to support them as they manage in a world of higher inflation and interest rates.

“For ANZ, we will continue to focus on the long term – investing for tomorrow and not just running today. We have made good progress in building a resilient, agile bank for the future.

“Our culture is strong and we have an embedded sense of purpose as an organisation – to shape a world where people and communities thrive.”

The other two big four banks are set to provide updates on their operations next week, with half-yearly results from Westpac due on Monday and a quarterly trading update from the Commonwealth Bank on Thursday.

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NAB and ANZ announced their half-year results this week.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(55) "/borrow-money/banking/major-banks-report-rising-profits" ["image"]=> string(37) "images/article-826x550/anz-nab_ne.jpg" ["image_alt"]=> string(33) "Major banks report rising profits" } [3]=> object(stdClass)#8043 (57) { ["id"]=> int(18273) ["title"]=> string(52) "Modernisation of direct debit system suffers setback" ["alias"]=> string(52) "modernisation-of-direct-debit-system-suffers-setback" ["introtext"]=> string(148) "

According to the Reserve Bank (RBA), several major banks will not be able to meet the current timeline for the launch of the PayTo service.

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The new PayTo service, which is set to modernise the existing direct debit system as part of the RBA’s New Payments Platform (NPP), is facing delays after a number of banks indicated they will not be ready to launch in July as previously planned.

In a speech to the Real Time Payments Summit on Tuesday, RBA head of payments policy department Ellis Connolly said that “several of the major banks” had indicated that they could not meet the existing timeline committed to by the industry.

“We recognise the considerable effort and investment required to develop PayTo, and the challenge of delivering multiple key payment initiatives at the same time,” he said.

“Nevertheless, these delays will significantly limit the availability of the service and the realisation of the benefits for end users.”

Mr Connolly explained that PayTo would provide a convenient and secure way for households and businesses to authorise third parties to initiate NPP payments from their accounts while giving customers more control.

“PayTo is a way to provide the payment initiation functionality that was envisaged under the Consumer Data Right. It will also open up new opportunities for innovation and has the potential to provide significant benefits for end users,” Mr Connolly said.

RBA governor Philip Lowe has written to the CEOs of the relevant banks to seek assurance that they will be ready to launch PayTo by no later than April next year.

“To realise the full potential of PayTo, we also expect the banks to make the service available for their entire customer base,” added Mr Connolly.

As part of the current NPP roadmap, Mr Connolly also flagged the benefits of the new international payments business service that will enable the Australian dollar leg of inbound cross-border payments to be processed by the NPP.

“In particular, additional data about the sender will be provided with the payment, making it easier for payment service providers to meet their compliance obligations related to financial crime. This service will result in safer and faster cross-border payments,” he said.

Mr Connolly noted that the RBA expects the industry to remain committed to delivering the international payments business service next year.

A total of 107 financial institutions currently offer NPP payment services for almost 90 million customer accounts, and the NPP processed more than a billion transactions worth more than $1 trillion during the past year.

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• Yes

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According to the Reserve Bank (RBA), several major banks will not be able to meet the current timeline for the launch of the PayTo service.

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Australians have little trust in organisations keeping their information secure, but the financial services industry still sits atop the list.

" ["fulltext"]=> string(2044) "

A new report by digital security software and services company Imperva, which surveyed 1,004 Australians, found that 43 per cent of people trust those in financial services with their most valuable and sensitive data.

Financial services beat out other industries that included healthcare and government (37 per cent) and messaging services, social media, streaming services online gaming and retail which all attracted a score of less than 10 per cent.

Around 48 per cent of those surveyed that favoured financial services were over 45 years of age, while 38 per cent came from the 18 to 44 age bracket.

However, 37 per cent said they would never share their personal information, such as wage, savings and bank account details, on a digital service or app.

Meanwhile, 39 per cent said their trust in digital service providers to secure their data has decreased in the past five years and 51 per cent would stop using a company’s services altogether if they suffered a serious data breach.

“Organisations face a complete breakdown of trust unless they begin rebuilding now,” Imperva’s area vice president for Australia and New Zealand, Tony Mascarenhas, said.

“While organisations rush to introduce more digital innovations, it is vital they don’t overlook the potential security risks these new technologies create. Data breaches can have a real and lasting impact - from downtime and fines to loss of revenue and damaged brand reputation.

“Prevention is always going to be better than the cure, which is why data-centric security must be part of every organisation’s strategy in 2022.”

The findings come after ASIC alerted consumers about a rise in investment scams impersonating companies or financial investment firms in March.

The corporate regulator warned that scammers often make contact through Gmail and Outlook email accounts and that their contact details do not match the information published on the legitimate company’s website.

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• Yes

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Australians have little trust in organisations keeping their information secure, but the financial services industry still sits atop the list.

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The Commonwealth Bank (CBA) board has announced a successor.

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On Wednesday, 27 April, the big four bank announced that Catherine Livingstone AO has decided to retire from the board effective August 2022.

The board has confirmed non-executive director Paul O’Malley as Ms Livingstone’s successor who will take on the position from 10 August 2022.

Ms Livingstone joined the CBA board on 1 March 2016 before becoming chair on 1 January 2017.

“I have been honoured to serve as CBA’s chair through a time when the bank has addressed a number of complex challenges and in doing so, rebuilt is reputation as an organisation that seeks to deliver positive outcomes for its customers, people and shareholders,” Ms Livingstone said.

“During the coronavirus pandemic, CBA has demonstrated unequivocally that a strong, stable, well-capitalised banking sector is vital to Australia’s economic and social wellbeing.

“It is a tribute to the efforts of CBA’s 48,000 people that they have been committed to transforming the organisation into a simpler and better bank clearly focused on its customers.

“The group has made significant progress on this strategy which focused on CBA’s core banking businesses. This has enabled the bank to build on that foundation and evolve its growth strategy to one of building tomorrow’s bank today – both for its customers and for the leadership role expected of it in supporting the transition of the Australian economy. 

“It is therefore an appropriate time to hand over to the next Chair to lead this ambitious agenda and guide the bank through its next phase,” Ms Livingstone said.

Mr O’Malley, who is also currently the chair of the CBA Board Renumeration Committee has been a board member since January 2019.

Prior to this, he worked as managing director and chief executive officer at BlueScope Steel from 2007 to 2017.

“It is a privilege to be appointed chair of the Commonwealth Bank,” Mr O’Malley said.

“With the support of the board, CEO and management team, I am absolutely committed to helping CBA build on the strong progress achieved over recent years under Catherine’s leadership and continuing to deliver rewarding outcomes for all our stakeholders.”

He continued: “I am looking forward to helping lead this vibrant and important organisation through its next strategic growth phase and delivering outcomes for shareholders, customers and communities."

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The Commonwealth Bank (CBA) board has announced a successor.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(68) "/borrow-money/banking/commonwealth-bank-chairman-to-retire-in-august" ["image"]=> string(19) "images/Commbank.jpg" ["image_alt"]=> string(46) "Commonwealth Bank chairman to retire in August" } }