ISO in Central Bank Projects: The Deutsche Bundesbank s Interbank SEPA Clearing Services
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1 ISO in Central Bank Projects: The Deutsche Bundesbank s Interbank SEPA Clearing Services Dr. Johannes Kaiser Conception of Retail Payment Services Payment Systems Policy Division Moscow, 1
2 Agenda Market environment Operational role of the Deutsche Bundesbank Guiding principles of the Retail Payment System/SEPA-Clearer Operations and Service Statistics 2
3 Market for Retail Payments in Germany (2009) Population 81.8 million Payment Transactions - Transfers 5,815.5 million - Direct Debits 8,424.5 million - Card Payments 2,422.9 million Bank accounts 93.2 million Banks 1,891 3
4 Structure of the German Banking Sector Commercial banks Savings banks and related Cooperative banks 288 s 11,496 branches 27.3 mill. customer accounts 441 s 13,741 branches 40.7 mill. customer accounts 1,162 s 12,155 branches 25.2 mill. customer accounts 4
5 The Bundesbank s Operational Role in Interbank Retail Payments Provision of interbank services may ensure efficient and sound payment system No nationwide ACH that covers the whole payments market in Germany Risk of inefficiency in the retail payments market: not every credit may have access to this market Central bank closes this market gap by providing own ACH services and offering open and neutral access to all banks Central bank may realise positive external effects Full cost recovery pricing with limited service level Acceptance of central bank s complementary role in the market Market solutions have priority 5
6 The Bundesbank s Operational Role in Interbank Retail Payments Provision of reachability of all credit s in Germany Complementary role in domestic retail payments (market share est. 15%): additional service offer to the private sector Open and neutral access to the Euro interbank clearing, especially for those banks which do not belong to a giro network Successful contribution to the high efficiency of the German payment system Active part as catalyst: arrangement of the technical and organisational basic conditions as market participant Influence on duration, fees and technical standards due to independent service offers and specifications of conditions 6
7 RPS: Range of Services Customers groups: Banks Public Authorities Other Retail payments: usually low amounts, high volumes Types of transactions: Domestic legacy payment instruments Cheques SEPA instruments / ISO XML Submission/delivery of files via data telecommunication Technical standards commonly used in the German interbank clearing Gross settlement in central bank money Service level focusing on basic clearing and settlement (no value-added services) 7
8 RPS/SEPA-Clearer: Link to Europe GERMANY SEPA PE-ACH ACH3 Eg public authority Bundesbank branch ACH1 ACH2 8
9 RPS: SEPA Processing Principles SEPA payment message formats according to respective Scheme Implementation Guidelines are based on ISO SEPA-wide reach via connection to Pan-European ACH, nevertheless also alternative processing channels through bilateral links with other ACHs Processing of SEPA Transfers and both flavours of SEPA Direct Debit Provision of SEPA services since going-live of the respective SEPA Scheme Electronic submission and delivery only BIC-based routing Batch processing and booking on Bundesbank account Several processing cycles Detailed information available on our website: Payment Systems SEPA 9
10 Clearing and Settlement of SEPA Transfers Submission Cycle 1 Delivery Settlement Submission Delivery CSM Delivery Cycle 2 Settlement Cycle Settlement Submission Delivery Cycle 3 Settlement Submission Cycle 4 Delivery Settlement Calendar Day D 10
11 Clearing and Settlement of SEPA Direct Debits Einlieferung Submission 1. Delivery Submission Settlement Clearing before Settlement Submission Booking Booking Booking Transactions on the Interbank Settlement Date and R- Transactions before and after Settlement after Settlement 2. Delivery (EBA and other ACH) R-Transactions after Settlement 3. Delivery DRD DRD DRD = Daily Reconciliation Report CORE B 2 B 10 : :00 15 :30 20 :00 22 :00 Calendar Day D 11
12 RPS: Processed Transaction Volumes Payments processed (by number, in million) Year Jan-May Grand total 2, Transfers 1, Direct Debits 1, Daily average Daily maximum Compared to previous year % % Transfers % % Direct Debits % % 12
13 RPS/SEPA-Clearer: Direct and Indirect Participants SEPA Transfer SEPA Direct Debit (Core) SEPA Direct Debit (B2B) Direct Indirect Participants Direct Indirect Participants Direct Indirect Participants 13
14 RPS/SEPA-Clearer: Processed Transaction Volumes Transactions received Transaction forwarded to other ACHs Jan 08 Feb 08 Mar 08 Apr 08 May 08 Jun 08 Jul 08 Aug 08 Sep 08 Oct 08 Nov 08 Dec 08 Jan 09 Feb 09 Mar 09 Apr 09 May 09 Jun 09 Jul 09 Aug 09 Sep 09 Oct 09 Nov 09 Dec 09 Jan 10 Feb 10 Mar 10 Apr 10 May 10 Jun 10 Jul 10 Aug 10 Sep 10 Oct 10 Nov 10 Dec 10 Jan 11 Feb 11 Mar 11 Apr 11 May 11 Daily average in May 2011: 116k SEPA transactions (436 million Euros) 14
15 Thank you for listening! Dr. Johannes Kaiser Deutsche Bundesbank Wilhelm-Epstein-Strasse Frankfurt am Main Germany 15
Department Payments and Settlement Systems
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