ecbs annual report 2001

8/11/2019 ECBS Annual Report 2001

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ANNUAL REPORT 2001

EUROPEAN COMMITTEE FOR BANKING STANDARDS


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European Committee for Banking Standards. April 2002.Avenue de Tervueren 12, B-1040 Brussels.

Not to be copied without attribution, and subject to the restriction under the confidentiality clause below.

Comments or enquiries on the document may be addressed to the Secretary General at the above address.

This report is Public and may be copied or otherwise distributed provided the text is not used directly as a source of profit.


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Contents

Message from the President . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Welcome from the Secretary General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Introduction to ECBS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Achievements during 2001 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Outlook for 2002 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Plastic Cards and Related Devices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

Automated Cross Border Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Electronic Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

ECBS Publications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Executive Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Central Secretariat . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Technical Steering Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Plastic Cards & Related Devices Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Automated Cross Border Payments Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Security Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Electronic Services Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25


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During the year 2001, ECBS has

been strongly continuing itswor k , foc u s in g o n t h e

def in it ion o f s tandards ,issuing technical reportsa n d g u i de l i n e s a n dfollowing up their imple-mentation.Moreover, it has alsoworked on another of itsmain targets, which is the

relat ionship w ith o thers tandardisa tion and co-

operation bodies and hasproven to be especially efficient

with partners like SWIFT.

But all these references to the work of ECBS withregard to the year 2001 would not be complete if wemissed to mention the relevant attention that severalbodies have been putting into payment standards andthe possibilities to move ahead from the currentsituation. The strong attention that standards havereceived from the European Central Bank, theEuropean Commission and the three European CreditSector Associations (ECSAs), together with the wholebanking industry, has had a lot to do with the greatexpectation that the physical implementation of the

Euro currency has created.

In the new scenario brought by the Euro, we have allbeen wondering about which should be the wayforward to enhance the European payments zone,aiming to meet the satisfaction of the consumer. Inthis endeavour, efficiency is the only driver that canguide our work. However, when efficiency becomesthe final target, not only standards get involved, butalso schemes, procedures and platforms for co-operation between banks will be affected.

Considering this, there are three main dimensions

that end up participating in the ambition to improvethe efficiency of European payments, and that havebeen properly tackled by different committees andassociations during last year. First, the definition of astrategic vision that would provide us with thedirection to identify and meet the needed changes.The initiative to develop a blueprint for a single Europayments area, which has been lead by the threeECSAs, fits clearly into this first dimension. Second,the alignment of the committees or organisations thatdeal, one way or another, with payments, to enhancethe co-ordination of future work. It is in this respectthat the three ECSAs established a Wise Men groupto provide advice on how to improve the work ofECBS in line with the new perspective and vision.Finally, the production of standards must be linked tothe other two mentioned dimensions.

With this encouraging picture, we can say that theEuropean banking industry has not only appreciatedECBS work and frequently referred to its standards,but also identified it as a main player to participate inthe improvement of the current situation, takingadvantage of its technical experience and skills. Inthis line, we will see promising changes in the nearfuture.

Agustin Marquez Dorsch, President

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Message from the President


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Last year, ECBS put efforts in

contributing to the Europeanconstitution related to the

introduction of the Eurocurrency.

One o f the h ighes tp r i o r i t i e s w a s t h eimplementation of theIBAN to promote straightt hr ou gh p ro ce ss in g

( STP ) o f c ro ss -b ord ert ra ns ac ti on s. We h ave

a cc or di ng ly u pd at ed a ndp ub li sh ed s ev er al r el at ed

documents and a marketing leaflet.The impressing high number of visits on our

website proves that these publications serve as auseful information for banks that have to implementthe EC regulation on cross-border transfers in Euro.

ECBS is also focussing on future developments inpayment systems and is participating in variousinitiatives working on issues like Secure IC cardr ea de r , El ec tr on ic S ig na tu re a nd Mo bi lePayments. Our important co-operation with SWIFThas been further intensified also throughout 2001. Inaddition, we approved a co-operation agreement with

the European Telecommunication Standards Institute(ETSI) to fruitfully work together on smart cardsecurity and mobile payments. Resulting from this,ECBS adopted an Intellectual Property Rights policythat completes the Modus Operandi founding thework in the different committees.

In 2001, due to the departure of the Technical

Assistants, the ECBS Secretariat recruited two newones, Ms Susanne Kuchmetzki and Mr HenrikLaidlow-Petersen, and we welcome Susanne andHenrik on board. We thank especially Mrs MartinaMac Greevy for the fresh vision she brought on thework done in ECBS. We wish her the best in her newduties.

Further, the ECBS Secretariat would like to extend itsthanks and appreciation to those members who left usduring the year, and especially to Mr. Malecki, Mr.Stolwijk, Mr. Ledru and Mr. Wiedner from theExecutive Committee as well as Mr. Dos Santos andMr. Fabiani from the Technical Steering Committee.Most of these members worked with ECBS since thebeginning. Special thanks goes also to Mr. VonSsskind who retired from the European Associationof Co-operative Banks. As representative of one ofour founding members, he was always committed tofully support the ECBS work.

In 2002, ECBS will reach its ten years of existenceand its founding members will evaluate the results thatECBS could achieve until then. We are sure that thisevaluation will be very positive and will confirm theimportant role that ECBS played in the past also forthe future.

Lon Peeters, Secretary General

Welcome from the Secretary General


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The European Committee for Banking Standards (ECBS)was formed in December 1992 by Europes three creditsector associations, the Banking Federation of the EuropeanUnion, the European Association of Co-operative Banks, andthe European Savings Banks Group (collectively known asthe European Credit Sector Associations (ECSAs)). TheECSAs represent the interests of the European banksfrom the countries of the European Union (EU) and theEuropean Free Trade Association (EFTA). Poland andHungary have observer status. Other observers include theEuropean Centra l Bank, the major payment schemes(MasterCard/Europay International, and Visa International),SWIFT, and the Euro Banking Association (EBA). MondexInternational participates in the work related to plastic cards

and other devices. Moreover, ECBS approved a co-operationagreement with ETSI (European TelecommunicationStandards Institute).

ECBS primary aim is to enhance the European technicalbanking infrastructure by developing standards when clearbusiness and commercial interests have been identified.ECBS also produces technical reports and standardimplementation guidelines that further assist the Europeanbanking sectors application of relevant standards. It is thebody for creating awareness of the European bankingsectors opinion on relevant matters to the various standardsand industry bodies.

Introduction to ECBS

Organisational Structure

Comprising ECSA members,determines and oversees the overallpolicy

Exercise control over the workcarried out in the different subjectareas

Comprising banking sector countryrepresentatives and observers,provides technical direction andmanages the work prog ramme

Resourced with experts in thespecific fields, carry out the actualwork

Executive Committee

Technical Steering Committee

Technical Committees

Working Groups

There are four tiers within ECBS as follows:

Four Technical Committees (TCs) report to the Technical Steering Committee (TSC) as follows:

Payment Cards and Related Devices (Technical Committee 1); Automated Cross Border Payments (Technical Committee 2); Security (Technical Committee 4); and Electronic Services (Technical Committee 6).

The Central Secretariat is responsible for the day-to-day management of ECBS and provides the Secretariat to the ExecutiveCommittee and the Technical Steering Committee.


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The work of the four Technical Committees for 2002 is described in the Work Programme Overview2002, which is available from ECBS. In this section, we provide a brief insight to the key, cross-committee working areas for next year.

Outlook for 2002

Taking the preparatory work done on mobile commerce in2001 as base, a working group on mobile payments willfurther elaborate this topic. Existing work in this area likee.g. ETSI M-Commerce project, the Mobile Payment Forumor the Mobey Forum will be closely monitored and

considered.

Today, within Europe, many electronic banking standardsexist and to avoid a further fragmentation of electronicbanking throughout Europe, our Electronic ServicesCommittee (TC6) has developed an European ElectronicBanking Standards Framework to be used as a guideline for

electronic banking standards developers. A version 2 of thisreport will be developed this year.

In the world of information society, banks may lose theirtraditional role as trusted third party for payment products.This new working group in a joint effort (ElectronicServices and Security) will define a model through which

banks would be able to handle trusted services.They aim atagreeing on a common position on electronic trust focusingon interoperability and customer confidence in trustinfrastructures.

SWIFT will work closely with the ePI working group todevelop a standard data container that may be used inmultiple scenarios. The ePI is a set of minimum data (STPdata) that is required to initiate and execute a payment. The

SWIFT message models will be used as the basis for theePI. The production of implementation guidelines and amarketing document will complete this work.

Mobile payments and electronic commerce

electronic Payment Initiator (ePI)

Bank trust services


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Known as Technical Committee 1 (TC1), its aim is to represent the European banking interest in thepayment cards domain. It works closely with the major card schemes to avoid duplication of effortand monitors and participates in the work of relevant ISO and CEN work groups, and other standards-making bodies. The United Kingdom provides the Chair and Secretariat for this Technical Committee.

Plastic Cards and Related Devices

TC1 continues to provide input to this workshop and toassess the impact of the results of this CEN/ISSS workshopon the European banking sector. The aim of the EmbeddedFINREAD workshop is a continuation of the FINREAD

initiative to produce a set of technical specifications for asecure integrated circuit card (ICC) reader extending fromPCs and other ICC-accepting devices to PDAs, mobilephones, set top boxes and so on.

A joint effort (Security and Plastic Cards and RelatedDevices) will evaluate existing protection profiles relating tointegrated circuit cards and recommend their acceptance byECBS. A protection profile as defined by card schemes (i.e.

the user of the protection profile) is a high level descriptionof security requirements to be used as the basis fordeveloping the security features of an IT product.

During 2000, TC1 embarked on a joint working effort withISO TC68/SC6/WG6 to undertake the drafting of a commonstandard that focuses on the requirements and techniquesfor off-line Personal Identification Number (PIN) verification.ECBS has had a major influence on this work and this is a

good example of the importance of the European banksworking together.

TC1 continues to work at an international level andrepresents the interests of the European banking sector inthe ISO/TC68/SC6/WG1 working group dealing with thereview of ISO 8583, which is the standard that homogenizesthe financial messages exchanged between card issuers

and card acquirers. This work currently focuses on issuesrelated to electronic commerce.

Related CEN activities Embedded FINREAD monitoring

Related ISO activities

Protection profiles for the banking industry


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France provides the Chair and Secretariat for this Technical Committee (TC2), which is responsiblefor facilitating automation of cross border means of payments other than card based. Their work isdesigned to enhance the business opportunities presented to banks as a consequence of the singlemarket and the European Monetary Union. Their primary aim is to facilitate straight throughprocessing (STP) transactions, i.e. without the need for manual intervention.

Automated Cross Border Payments

During the year, TC2 has been working closely withEurostat on Codification, Unilateral Reporting, andAsymmetries. As a result of this co-operation, CMFB(Committee on Monetary, Financial and Balance of

Payments Statistics) agreed that a uniform exemptionthreshold of EUR 12,500 would be applicable in 2002. Inaddition, a project on a harmonised code list for reportingtransactions was also agreed upon.

The Financial Sector Cross Border Direct Debits technicalreport was updated. This report (TR205) containsinformation on national direct debit schemes in 17 ECBSmember countries.

ECBS is in the process of reformatting this report. Thedocument will be split in three parts: TR 210: Cross border direct debits TR 211: National schemes EBS 212: Cross border direct debit returns/revocations

Cross border direct debits

Balance of payments regulatory reporting

International Bank Account Number (IBAN) andInternational Payment Instruction (IPI)

TC2 continued its efforts in promoting the InternationalBank Account Number (IBAN) across Europe. The IBANinformation leaflet was updated as well as the associatedstandard and standard implementation guidelines. The

Register of European Account Numbers (TR201) was alsoupdated.

The IPI has been updated by including a two-dimensionalbar code. In addition, TC2 published a technical reportdefining the country specifications for the IPI.


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Technical Committee 4 (TC4) focuses mainly on information security. Its aim is to provide guidelineson security matters for the banking industry and to act as an advisory body to the other TechnicalCommittees. It monitors the developments relevant to the approved work items in the public domainstandardisation bodies by participating in or producing position papers as input to these bodies.Austria provides the Chair and Secretariat for this Technical Committee.

Security

Certification authorities

Secure banking over the InternetWork commenced in 2000 on revising the technical reporton secure banking over the Internet. The first result of theworking group is a two-part technical report that describes

secure emails for banks as users (TR408 Part 1) andsecure emails for banks as infrastructure providers (TR408Part 2).

Algorithms, key management and digital signatures

In response to the EU Directive on Electronic Signatures,TC4 has updated the technical report on algorithm usageand key management (TR406), which provides guidance tothe European banking sector on cryptographic key

management. The updated report takes the work of ISOand EESSI into account and recommends internationalstandards.

In 2001, TC4 actively participated in the EuropeanElectronic Signature Standardisation Initiative (EESSI),monitored and commented the output of the work relating tocertification authorities. Further, TC4 monitored the work of

SWIFT, Identrus and GTA. Apart from supporting TC6 inworking on bank trust services, TC4 will now prepare arecommendation paper for the relevant areas withinETSI/CEN and ISO, reflecting the banking perspective.


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Technical Committee 6 was established at the beginning of 2000 and takes a business view ofelectronic services. It represents the European banking requirements in this domain and is in theprocess of establishing working relationships with relevant groups and national bankingorganisations. The Chair and Secretariat for Technical Committee 6 resides with Germany.

Electronic Services

In 2001, an expert team has been identifying commonEuropean electronic banking requirements. The resultof their efforts is a European Electronic BankingStandards Framework (EEBSF) that acts as a guideline

for electronic banking standard developers. Closelyliaising with SWIFTs modelling project, TC6 foresees todevelop an updated version of the framework for theupcoming year.

Work started in 2001 to develop a standard data containerthat may be used in multiple scenarios. The ePI is a setof minimum data that is required to initiate and executean STP payment. The SWIFT message models will be

used as the basis for the ePI. The aim is to produce animplementation guide and a marketing document on anePI standard in 2002.

Electronic banking

electronic Payment Initiator (ePI)

TR402 V 2 recommends the banking industry to take alead in the area of electronic trust. That was the startingpoint for TC6 to further work on this topic. A working groupon bank trust services started their activities in 2001 and

aims at agreeing on a common position on electronictrust. A common model through which banks will be ableto handle trusted services will be developed .

Bank trust services

Based on the preparatory work on mobile commerce thathas been made available to the banking industry mid2001, a working group on mobile payments has beencreated to continue and intensify the work on this subject.This group aims at further elaborating the requirements of

the banking community and producing a technical reporton Business and Functional Requirements for MobilePayments. The multitude of approaches makes thedocumentation of a banking standard in the field of mobilepayments inevitable.

Mobile payments


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Automated Cross Border Transfers Related Publications

General

European Banking Standard and Implementation Guide for Credit Transfers, August 1999 [EBS200 V3]

European Cross Border Credit Transfer Basic Level Standard, March 1998 [EBS207 V1]

Financial Sector Cross Border Automated Direct Debits, September 2001 [TR205 V2.2]

Use of EDIFACT by the Banking Industry in Europe, March 2000 [TR209 V1.1]

International Payment Instruction (IPI)

Country Specific Requirements and Specifications for the International Payment Instruction (IPI),

January 2001 [TR202 V1.1]

International Payment Instruction (IPI) Standard, May 2001 [EBS206 V2]

International Payment Instruction (IPI) Leaflet, April 1999 [LFL9206 V1]

Standard Implementation Guidelines for the International Payment Instruction (IPI),

August 1999 [SIG208 V1.1]

International Bank Account Number (IBAN)

IBAN: Standard Implementation Guidelines, December 2000 [SIG203 V3]

IBAN: International Bank Account Number Standard, February 2001 [EBS204 V3]

IBAN: International Bank Account Number Leaflet, March 2001 [LFL9204 V3]

Register of European Account Numbers, March 2002 [TR201 V2.2.14]

Security Related Publications

General

Secure Banking over the Internet, March 1997 [TR401 V1]

Certification Authorities, October 1999 [TR402 V2.1]

Key Recovery in Financial Systems, June 1998 [TR405 V1]

Guidelines on Algorithm Usage and Key Management, September 2001 [TR406 V2]

Risk of Fraudulent PIN Capture (restricted distribution), October 1999 [TR407 V1]

The Use of Audit Trails in Security Systems: Guidelines for European Banks, November 2001 [TR409 V1]

Secure E-mail for the Financial Sector

Part 1: Secure E-mail for Banks as Users of E-Mail, February 2001 [TR408-1 V1]

Part 2: Banks and Certification Authorities for Secure E-mail, November 2001 [TR408-2 V1]

Electronic Services Related Publications

General

Electronic Banking, October 1999 [TR600 V1]

European Electronic Banking Standards Framework, July 2001 [TR601 V1]


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Directors

Representatives of Commercial Banks

Representatives of Savings Banks

Representatives of Cooperative Banks

Observers

Executive Committee Members

Mr U Einhoff Bundesverband deutscher Banken Germany

Mr Ph Giraud-Sauveur Fdration Bancaire Franaise France

Mr A Kuijpers Interpay Nederland BV The Netherlands

Mr R A Mabbott Association for Payment Clearing Services (APACS) UK

Mr J Petersen Nordea Denmark

Mr D Santececca Associazione Bancaria Italiana Italy

Mr J van den Nieuwenhof Belgian Bankers' Association Belgium

Mr A Marquez Dorsch (President) Confederaion Espaola de Cajas de Ahorros Spain

Mr A Nascimento Ribeiro Caixa Geral de Depsitos Portugal

Mr O Sander Deutscher Sparkassen- und Giroverband Germany

Mr X to be appointed

Mr R-C Arnoldt Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Germany

Mr R Boursault Crdit Agricole S.A. France

Mr B Christiaanse Rabobank Nederland The Netherlands

Mr N Bmcke Banking Federation of the European Union

Mr G Pasquali European Savings Banks Group

Mr H Guider European Association of Co-operative Banks

Central Secretariat

Mr L Peeters Secretary GeneralMs S Kuchmetzki Technical Assistant

Mr H Laidlow-Petersen Technical Assistant

Ms D Verreck Secretary


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Chairman

Technical Steering Committee Members

UK Mr R A Mabbott APACS

Vice Chairman

National Representatives

Observers

Austria Mr J Votava Studiengesellschaft fr Zusammenarbeit imZahlungsverkehr GmbH (STUZZA)

Belgium Mrs A Demelenne Belgian Bankers' Association

Denmark Mr D Meng Danske Bank

Finland Mr K Nihtil Finnish Bankers' Association

France Mrs M Brachet Socit GnraleGermany Mr A Goralczyk Bundesverband deutscher Banken

Greece Mr K Tavlaridis Hellenic Bank Association

Iceland Mr H Steingrimsson Icelandic Banks' Data Center

Ireland Mr J Kelly Ireland Payments Systems Organisation

Italy Mr P Gaggi Associazione Bancaria Italiana

Luxembourg Mr P Felten Kredietbank S.A. Luxembourgeoise

The Netherlands Mr M A A Sonnemans The Netherlands Bankers' Association

Norway Mr K Kvalheim Bankenes Standardiseringskontor

Portugal Mr J L Baptista Sociedade Interbancria de Servios

Spain Mr D Sanz Banco Popular Espaola Bancaria

Sweden Mr H Bergman Swedish Bankers' Association

Switzerland Mr M Klin Schweizerische Kommission fr Standardisierungen imFinanzbereich (SKSF), UBS AG

Hungarian Banking Association Mr T Foldi

Polish Bank Association Mr J Zarajczyk

Euro Banking Association (EBA) Mr F Boels

Europay International Mr M Kamers

SWIFT Mr C Palmers

Visa International Mr C Hursell

European Central Bank Mr C Reynders

European Banking Federation Mr W Wilms

European Savings Banks Group Mrs F Joyce

European Association of Co-operative Banks Mrs M Van Berkel


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Members

Plastic Cards & Related Devices Committee Members

Mr G Granger (Chairman) Royal Bank of Scotland plc UK

Mrs F Bennett (Secretary) APACS UK

Mr R Beltrando Groupement des Cartes Bancaires France

Mr H Bergman Swedish Bankers Association Sweden

Mr P G Cattaneo Consorzio Interbancario Lombardo per la Monetta Elettronica Italy

Mr A De Andres Confederaion Espaola de Cajas de Ahorros Spain

Mr D De Geest Austrian Payment Systems Services GmbH Austria

Mrs E Erice Servicios para Medios de Pago Spain

Mr F Fabiani Associazione Bancaria Italiana Italy

Mr E R Fekkes Rabobank Nederland The NetherlandsMr J Fontaine Bundesverband deutscher Banken Germany

Mr E Galvo Sociedade Interbancria de Servios Portugal

Mr C Gomez Sistema 4B Spain

Mr M Hirvonen Finnish Bankers Association Finland

Mr C Hursell Visa International

Mr M Kamers Europay International

Mr J Kelly Mondex International

Mr S Kilyon Nationwide UK

Mr L Kjller Danish Payment Systems Ltd (PBS) Denmark

Mr I Koehler Deutscher Sparkassen- und Giroverband Germany

Mr D Lescribaa Groupement des Cartes Bancaires France

Mr Y Moulart Proton World Belgium

Mr K Vu CETREL Luxembourg

Mr M Oate Spanish Bankers Association Spain

Mr J C Prez Banco Bilbao Vizcaya Argentaria (BBVA) Spain

Mr D Remondini Consorzio Interbancario Lombardo per la Monetta Elettronica Italy

Mr H R Thomann Payserv AG Switzerland

Mr E A Versluis Interpay Nederland BV The Netherlands

Mr E Versluis (Convenor) Interpay Nederland BV The Netherlands

Mr W H Stokes (Secretary) European Committee for Banking Standards (Consultant)

Mr E Andre Austrian Payment Systems Services GmbH Austria

Mr C Champiot Groupement des Cartes Bancaires France

Mr J Fontaine Bundesverband deutscher Banken Germany

Mr J A Gallego Servicios para Medios de Pago Spain

Mr T Juncker Danish Payment Systems Ltd (PBS) Denmark

Mr G Netenjacob Bank Verlag GmbH Germany

Mr M Perea Servicios para Medios de Pago Spain

Mr J P Rans Europay International

Secretariat

ISO 8583: 1993 Implementation Guidelines (TC1/WG6)


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Secure IC Card Reader Finread (TC1/WG9)

Protection Profiles (TC1/WG10)

Mr H Laidlow-Petersen (Coordinator) European Committee for Banking Standards

Monitoring function, input provided to Finread projects by TC1 members

Mr L Kjller (Convenor) Danish Payment Systems Ltd (PBS) Denmark

Mr R Beltrando Groupement des Cartes Bancaires France

Mr K Brincat Visa International

Mr D De Geest Austrian Payment Systems Services GmbH Austria


Mr H Laidlow-Petersen European Committee for Banking Standards

Mr D Lescribaa Groupement des Cartes Bancaires France

Mr F Loureno Europay International

Mr A Mushing Mondex International UK

Mr R Steenbeeke Interpay Nederland BV The Netherlands (TC4 Liaison)

Mr B Van Gaalen Lloyds Bank UK


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Automated Cross Border Payments Committee Members

Secretariat

Mr R Boursault (Chairman) Crdit Agricole S.A. France

Mr J P Dupeyroux (Secretary) Comit Franais dOrganisation et de Normalisation Bancaires France

Members

Mr M Adcock APACS UK

Mr J Barr Den Norske Bank Norway

Mr I Beyritz Bundesverband deutscher Banken Germany

Mr F Boels Euro Banking Assocation

Mr J Burgos Burgos Confederaion Espaola de Cajas de Ahorros Spain

Mr J Casati Banca Nazionale del Lavoro ItalyMr S De Beaumont European Central Bank

Mr R de Keijzer ABN AMRO Bank The Netherlands

Mr S de la Fouchardire BNP Paribas France

Ms A Demelenne Belgian Bankers Association Belgium

Mr L Frnberg Skandinaviska Enskilda Banken Sweden

Mrs E Garcia Garcia Asoiaion Espaola Bancaria Spain

Mr W Haselbach Crdit Suisse First Boston Switzerland

Mr R Hauke Deutscher Sparkassen- und Giroverband Germany

Mr J Jonkheer The Netherlands Bankers Association The Netherlands

Mr Ph Leblanc Banque de France (as representative of the European Central Bank)

Mr M Lopes da Cunha Sociedade Interbancria de Servios Portugal

Mr K Vu CETREL S C Luxembourg

Mr C Palmers SWIFT

Mrs V Pitknen Finnish Bankers Association Finland

Mr M Pomes Bordedebat SWIFT

Mr L Sica Associazione Bancaria Italiana Italy

Mr F Vind Danske Bank Denmark

Mr J Votava STUZZA Austria

Mr C Walraeve European Savings Banks Financial Services Company (EUFISERV)

Mrs A Weber CIB (Central-European International Bank Ltd.) Hungary


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MT 103 Issues (TC2/WG2) (ON HOLD)

Mr S de la Fouchardire (Convenor) BNP Paribas France

Mr J Jonkheer (Convenor) The Netherlands Bankers Association The Netherlands

Mr B Brunner UBS AG Switzerland

Mr J Burgos Burgos Confederaion Espaola de Cajas de Ahorros Spain

Mr P Daumain Comit Franais dOrganisation et de Normalisation Bancaires France

Mr T Egner Commerzbank AG GermanyMr B M Felder Deutscher Sparkassenverlag GmbH Germany

Mr A Goralczyk Bundesverband deutscher Banken Germany

Mr OH Hansen Danske Bank Denmark


Mr P Hittinger ABN AMRO Bank The Netherlands

Mr W Hums Bank fr Arbeit und Wirtschaft (BAWAG) Austria

Mr R Jones BACS Ltd UK

Mr M Krogenes Bankenes Standardiseringskontor Norway

Mr P Lacroix Crdit Agricole S.A. France

Mr M Mauriio Sociedade Interbancaria de Servios Portugal

Mrs V Pitknen Finnish Bankers Association FinlandMr L Sica Associazione Bancaria Italiana Italy

Mr R Widmark SWIFT

Mr P Wynant Belgian Bankers Association Belgium

Bank and Account Identifiers (TC2/WG1)

Mr J Votava (Convenor) STUZZA Austria

Mr M Adcock APACS UK

Mr J M Cruz Sociedade Interbancria de Servios Portugal



Mr C Palmers SWIFT

Mr A Salomon Bundesverband deutscher Banken Germany

Regulatory Reporting (TC2/WG4) (ON HOLD)

Mr J P Dupeyroux (Convenor) Comit Franais dOrganisation et de Normalisation Bancaires France

Technical Access to Domestic ACHs (TC2/WG3)


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Cross Border Direct Debit (TC2/WG5)

Mr I Beyritz (Convenor) Bundesverband deutscher Banken Germany

Mr J Barrosso Sociedade Interbancria de Servios PortugalMr S de Brouwer Belgian Bankers Association Belgium

Mr J P Dupeyroux Comit Franais dOrganisation et de Normalisation Bancaires France


Mrs F El Moukthafi Crdit Agricole S.A. France

Mr R Jones BACS Ltd UK

Mr J Jonkheer The Netherlands Bankers Association The Netherlands

Mr C Thaarup Nordea Denmark

Mr C Van Es SWIFT

Mr A Vink Euro Banking Association


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Security Committee Members

Secretariat

Mr R Macho (Chairman) Bank Austria Austria

Mr H Biely (Secretary) STUZZA Austria

Members

Mr J-L Barbut Groupement pour un Systme Interbancaire de Tlcompensation France

Mr C Bedo Citibank Hungary

Mrs A Brestam Swedish Banker's Association Sweden

Mr J-P Boly Europay International

Mr V V de Oliveira Sociedade Interbancria de Servios Portugal

Mr F Fabiani Associazione Bancaria Italiana Italy

Mr P Fjelbye Danish Payment Systems Ltd (PBS) DenmarkMr R Hagen Bankenes Standardiseringskontor Norway

Mr C Harpes CETREL SC Luxembourg

Mrs U Linde Bundesverband deutscher Banken Germany

Mr A Lozano SERMEPA Spain

Mr D Main Visa International

Mr T Palmer APACS UK

Mr C Ritz BNP Paribas France

Mr M A A Sonnemans The Netherlands Bankers Association The Netherlands

Mr R Steenbeeke Interpay Nederland BV The Netherlands

Mr H Stokes European Committee for Banking Standards (Consultant)

Mr C Thiel Informatikzentrum der Sparkassenorganisation GmbH Germany

Mr W Widmer UBS AG Switzerland


Mr T Ylitalo Finnish Bankers Association Finland

Certification Authorities (TC4/WG2)

Mr H Stokes (Convenor/Secretary) European Committee for Banking Standards (Consultant)

Mr J Antunes Sociedade Interbancria de Servios Portugal

Mr J L Barbut Groupement pour un Systme Interbancaire de Tlcompensation France

Mr R Hagen Bankenes Standardiseringskontor Norway

Mr F Huygens ISAServer S.A. Belgium

Mr P Fjelbye Danish Payment Systems Ltd (PBS) Denmark


Mr T Palmer APACS UK

Mr M A A Sonnemans The Netherlands Bankers Association The Netherlands

Mr B van de Velde Interpay Nederland BV The Netherlands

Mr M Ward Europay International


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Secretariat

Mr I Beyritz (Chairman) Bundesverband deutscher Banken Germany

Electronic Services Committee Members

Members

Mr H Biely STUZZA Austria

Ms E Binier Socit Gnrale France

Mr W Binkowski PKO Savings Bank Poland

Mr P Braun OTP Bank Hungary

Mr J Corts Prez Banco Bilbao Vizcaya Argentaria Spain

Mr T Dirienzo Barclays Bank United Kingdom

Mr G Fodor Bankszovetseg Hungary

Mr H Forster UBS Switzerland

Mr Y Gailly BNP Paribas France

Mr D Jamet Socit Gnrale France


Mr P Lysakowski Polish Bankers Association Poland

Mr M Magi Spinetti Associazione Bancaria Italiana Italy

Mr B Michaud Groupement des Cartes Bancaires France

Mr C Pedersen Danish Bankers Association Denmark


Mr C Reynders European Central Bank

Mr J Riddell Visa International

Mr F Rockenbrod Dexia Banque Internationale Luxembourg Luxembourg

Mr A Salomon Bundesverband deutscher Banken Germany

Mr M Stein Informatikzentrum der Sparkassenorganisation GmbH Germany

Mrs A Sundqvist Swedish Bankers Association Sweden

Mr W C Westerhof Rabobank Nederland The Netherlands


Mr T Ylitalo Finnish Bankers Association Finland

Electronic Banking (TC6/WG1)

Mr A Salomon (Convenor) Bundesverband deutscher Banken GermanyMr M Adcock APACS United Kingdom

Mr I Bal ING Bank The Netherlands

Mr H Biely STUZZA Austria

Mr J M Cruz Sociedade Interbancria de Servios Portugal

Mr J P Dupeyroux Comit Franais dOrganisation et de Normalisation Bancaires France

Mr H Forster UBS Switzerland


Mr M Stein Informatikzentrum der Sparkassenorganisation GmbH Germany


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26

electronic Payment Initiator (TC6/WG2)

Mr J Geissler (Convenor) STUZZA Austria

Mr I Beyritz Bundesverband deutscher Banken Germany


Mr S Debeaumont European Central Bank

Mr O H Hansen Danske Bank DenmarkMr M Hnisch Deutscher Sparkassen-und Giroverband Germany

Ms M Khouzam UBS AG Switzerland

Mr C Klauda sterreichische Volksbanken AG Austria

Mr P Kunz Credit Suisse Financial Services Switzerland

Mrs V Pitknen Finnish Bankers Association Finland


Bank Trust Services (TC6/WG3)

Mrs U Linde (Convenor) Bundesverband deutscher Banken GermanyMr A Bertsch Informatikzentrum der Sparkassenorganisation GmbH Germany

Mr C Gregory Lloyds Bank UK

Mr M Hale Barclays Bank UK

Mr J Keogh SWIFT

Mr S Schumacher Bundesverband deutscher Banken Germany

Mr H Stokes European Committee for Banking Standards (Consultant) (Liaison TC4/WG2)

Mr T Valsemey Crdit Lyonnais France

Mr P Vermeulen SWIFT

Mr B von Rochow Swiss Commission for Financial Standardisation Switzerland

Mobile Payments (TC6/WG4)

Mr B Michaud (Convenor) Groupement des Cartes Bancaires France

Mr H Bengtsson Freningssparbanken Sweden

Mr A Bordel Sermepa Spain

Mr R Bye Union Bank of Norway Norway

Mr J C Diaz Sanchez Confederaion Espaola de Cajas de Ahorros Spain

Mr B Feiken ING/Postbank The Netherlands


Mr O Hommel Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Germany

Mr M Kamers Europay International

Mrs L Kanniainen Nordea Finland

Ms S Kuchmetzki European Committee for Banking Standards

Mr H Kuokka Sampo Bank Finland

Mr J Leather Lloyds TSB UK

Mr M Le Conte Cedicam France

Mr J Pals Interpay Nederland BV The Netherlands

Mr P A Rahtgen Danish Payment Systems Ltd. (PBS) Denmark

Mrs C Schemkes Deutscher Sparkassen- und Giroverband Germany

Mr H Thomann Payserv Switzerland

Mr A Turner Abbey National UKMr B Van Der Lande Banksys Belgium

Mr B Von Rochow Swiss Commission for Financial Standardisation Switzerland


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ecbs annual report 2001

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