13th EU Forum of national SEPA coordination committees, Brussels

13th EU Forum of national SEPA coordination committees, Brussels

The Czech SEPA Coordination Committee
13th EU Forum of national SEPA coordination committees,
Brussels, 17 March 2015
SCT&SDD IMPLEMENTATION in CZ
EPC Register of CZ SEPA COMPLIANT PSPs:
SEPA ADHERENCE AGREEMENTS
- SEPA CT …………
- SEPA DD
SDD Core ….….
05/03/2015
15
4 (UniCredit Bank, J&T Bank, FIO Bank,
Komercni banka)
SDD B2B .…….
2 (UniCredit Bank, Komercni banka)
Majority of payment transactions in CZ are domestic payments in CZK – circumstances will not be changed in the
near future. We don’t have a fixed date for euro introduction so far.
Despite the fact that not all banks participate in SCT scheme, the critical mass of EUR payments is well covered (5
biggest Czech banks are processing 95 % of x-border EUR transactions).
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SCT&SDD IMPLEMENTATION in CZ
EBA Clearing Registers of CZ Participants in SEPA Payment
Schemes - SCT Reachable PSPs list for March 2015
Number
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
BIC
ABNACZPPXXX
AGBACZPPXXX
AIRACZPPXXX
BACXCZPPXXX
BOTKCZPPXXX
BREXCZPPXXX
CEKOCZPPXXX
CITFCZPPXXX
CNBACZPPXXX
EQBKCZPPXXX
FIOBCZPPXXX
GEBACZPPXXX
INGBCZPPXXX
JTBPCZPPXXX
KOMBCZPPXXX
MIDLCZPPXXX
PMBPCZPPXXX
RZBCCZPPXXX
SOLACZPPXXX
SUBACZPPXXX
ZUNOCZPPXXX
PSP
THE ROYAL BANK OF SCOTLAND PLC CZECH REP
GE MONEY BANK AS
AIR BANK A.S.
UNICREDIT BANK CZECH REPUBLIC AND SLOVAKIA, A. S.
THE BANK OF TOKYO MITSUBISHI UFJ LTD PRAGUE
MBANK S.A., PRAHA (former BRE BANK SA)
CESKOSLOVENSKA OBCHODNI BANKA
CITFIN SPORITELNI DRUZSTVO
CESKA NARODNI BANKA
EQUA BANK A.S.
FIO BANKA A.S. PRAHA
FORTIS BANK SA CZECH REPUBLIC
ING PRAGUE
J AND T BANKA
KOMERCNI BANKA
HSBC BANK PLC PRAGUE
PPF BANKA A.S.
RAIFFEISENBANK A.S.
LBBW BANK CZ A.S.
VSEOBECNA UVEROVA BANKA AS
ZUNO BANK AG - CZ
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Statistics of SCT in CZ
OUTGOING
INCOMING
Statistics of EUR foreign payments - share of SCT
2014/2015
# of
report
ing
banks
Total EUR
OUTGOING
CT
Out of that
OUTGOING
SEPA CT
SEPA CT
OUTGOING percentage
# of
report
ing
banks
Total EUR
INCOMING CT
Out of that
INCOMING
SEPA CT
SEPA CT
INCOMING percentage
January 15
20
392 300
295 409
75,30%
20
424 246
363 154
85,60%
December 14
20
427 159
320 690
75,08%
20
495 773
428 007
86,33%
November 14
21
405 314
307 843
75,95%
21
453 296
386 787
85,33%
October 14
21
433 567
333 427
76,90%
21
506 904
432 312
85,28%
September 14
20
418 168
320 143
76,56%
20
463 460
394 321
85,08%
August 14
20
387 046
292 963
75,69%
20
431 646
365 616
84,70%
July 14
19
435 419
335 344
77,02%
19
488 676
415 125
84,95%
June 14
19
406 043
303 830
74,83%
19
445 789
376 543
84,47%
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January 11
February 11
March 11
April 11
May 11
June 11
July 11
August 11
September 11
October 11
November 11
December 11
January 12
February 12
March 12
April 12
May 12
June 12
July 12
August 12
September 12
October 12
November 12
December 12
January 13
February 13
March 13
April 13
May 13
June 13
July 13
August 13
September 13
October 13
November 13
December 13
January 14
February 14
March 14
April 14
May 14
June 14
July 14
August 14
September 14
October 14
November 14
December 14
January 15
Local CZ statistics of SCT - numbers
450 000
400 000
350 000
300 000
250 000
200 000
150 000
100 000
50 000
0
Number of SEPA Payments Outgooing
Number of SEPa Payments Incoming
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January 11
February 11
March 11
April 11
May 11
June 11
July 11
August 11
September 11
October 11
November 11
December 11
January 12
February 12
March 12
April 12
May 12
June 12
July 12
August 12
September 12
October 12
November 12
December 12
January 13
February 13
March 13
April 13
May 13
June 13
July 13
August 13
September 13
October 13
November 13
December 13
January 14
February 14
March 14
April 14
May 14
June 14
July 14
August 14
September 14
October 14
November 14
December 14
January 15
Local CZ statistics of SCT – % share
of SEPA on all EUR payments
90,00%
80,00%
70,00%
60,00%
50,00%
40,00%
30,00%
20,00%
10,00%
0,00%
SEPA percentage OUTgoing
SEPA percentage Incoming
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SCT – status of migration



Product SCT is used by all segments – nevertheless our corporate clients
deliver a major part of payments in EUR volume
Estimate: 5 biggest Czech banks (CSOB, Ceska sporitelna, Komercni
banka, UniCredit Bank and Raiffeisenbank) have 95% share on all SEPA
payments – in total average monthly number for 5 big is about 700 000 SCT
(as SEPA transactions in both directions: IN+OUT in the Czech Republic)
and thereof 10% (70 000 SCT) are in fact domestic SEPA CTs (betwen 2
Czech clients / accounts)
National volume of SCT of all euro cross-border payments is close to
 85 % of all incoming EUR payments
 78 % of all outgoing EUR payments


We use IBAN and BIC for all types of x-border euro payments
We still face problems with BIC derivation from IBAN in certain countries –
missing unified rules for transparent IBAN construction in all EU
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SDD - status of migration








The number of issued SDD transactions in single pieces
The main initiators of implementation SDD in the Czech Republic are
corporate clients (= business entities) contrary to the Western Europe where
it is a public administration
SDD products were launched in CZ so far only by four banks (UniCredit Bank
CR and Slovakia, Fio Bank, J&T Bank, Komerční banka)
In case of domestic CZK direct debits we use DMF scheme
The Czech National Bank (CNB) maintains the register of all issued CID for
SDD in the Czech Republic from 15th March 2010
Definition of a national standard for the Unique Creditor Identifier –
(http://www.cnb.cz/en/payment_systems/accounts_bank_codes/)
CNB admits future simplification of current process of CID registration
CNB will not migrate local clearing CERTIS to PE-ACH - no commitment
about its usage by critical mass of PSPs, nevertheless they support
progressive implementation of CID and mandate reference within existing
CZK direct debits
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Czech National SEPA Plan
In the Czech SEPA Coordination Committee was prepared the
update of National SEPA Implementation Plan (so far just in
Czech language), which contains:
 Impacts of legislation – Regulation 260/2012
and others
 SEPA migration steps in the Czech Republic
are targeted to 31st October 2016
 Communication approach towards all
stakeholders, including the general public
 CZ Plan is published at: https://www.czechba.cz/sites/default/files/sepa/narodniplansepa-verze02-rijen2013.pdf
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The Czech SEPA Coordination Committee
Contact: [email protected]
Thank you for your attention!
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