澳洲监管开出史上最大罚单

Core Points - ANZ has been fined a total of AUD 240 million (approximately USD 160 million) by the Australian Securities and Investments Commission (ASIC) due to significant misconduct in bond trading and retail operations [2][5][9] Group 1: Bond Trading Misconduct - ASIC's investigation revealed that ANZ exaggerated bond trading volumes by "hundreds of billions" and engaged in widespread misconduct affecting nearly 65,000 customers [1][5] - On April 19, 2023, ANZ assisted in a AUD 14 billion bond issuance but failed to manage market impact appropriately, selling large amounts of 10-year Australian bond futures, which pressured bond prices downward [4][5] - ANZ admitted to these actions and acknowledged its failure to fulfill obligations as a licensed financial service provider, agreeing to pay a fine of AUD 125 million [5][9] Group 2: Retail Business Issues - ANZ faced a total fine of AUD 115 million for three retail business-related issues [6][9] - The first issue involved ANZ's failure to respond to 488 customer hardship notices from May 2022 to September 2024, leading to continued default notices and referrals to external collection agencies [7] - The second issue was related to false and misleading statements regarding savings interest rates, where ANZ failed to deliver promised rates to thousands of customers from July 2013 to January 2024 [8] - The third issue involved ANZ's failure to refund fees to deceased customers within the required timeframe from July 2019 to June 2023, causing difficulties for the relatives of the deceased [8] Group 3: Overall Penalties and Historical Context - Since 2016, ASIC has initiated eleven civil proceedings against ANZ, with total proposed and imposed fines exceeding AUD 310 million [9] - ANZ has been a significant player in the Australian market and has maintained a presence in China for over 30 years, with total assets of RMB 36.305 billion as of the end of 2024 [12]