Danske bank is in a crisis due to alleged money laundering
Danske bank is in a crisis due to alleged money laundering

EU calls for probe into Danske Bank money laundering scandal



The European Commission has called for an EU investigation into the regulatory failures that led to a multi-billion euro money-laundering scandal at Denmark’s Danske Bank.

Denmark’s largest lender is at the centre of a storm of controversy and several inquiries after it said “a large part” of transactions totalling €200 billion at its Estonian branch were “suspicious”.

The European Commission has written a letter to the European Banking Authority (EBA), the regulatory authority of the EU, to ask it to “fully utilise” its powers to probe what happened to the monitoring of Danske’s Estonian office, spokesman Christian Wigand told AFP on Sunday.

More than €200 billion transited through the Estonian subsidiary of Danske Bank between 2007 and 2015, according to an outside law firm that carried out a probe for Danske Bank.

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The scandal engulfing Danske cost the lender’s chief executive his job last week as investigators struggled to determine just how much dirty money transited through its Estonian subsidiary.

A big chunk of the allegedly laundered funds came from Russia, according to the independent inquiry.

Danske itself said it could not be certain of the size of illegal sums involved.

The Financial Times reported that the letter from the European Commission to the EBA, which it has seen, called for investigators to establish any possible “breach or non-application of Union law both by the Estonian as well as the Danish supervisors”, and asked for a probe “with the necessary degree of urgency”.

Of the accounts under investigation – which Danske closed in 2015 – 6,200 are considered suspicious and most of them have been brought to the attention of authorities.

The scandal has triggered multiple inquiries, including in Denmark itself as well as by Britain’s National Crime Agency.

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

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