ANZ Bank has sought to quell panic among its staff club members following reports that two of its clubs had been tipped into liquidation. ''This is a solvent winding-up, and no creditors or members will be adversely impacted as a result,'' a bank spokeswoman said. It was part of a move to amalgamate all of the staff clubs into a national body, she said. ''There is no deregistration process that can be applied for the ANZ Staff Clubs in Queensland and Western Australia, and the only option was to voluntarily wind up these associations via a liquidation process in these states.'' Phew.