BANCO DE ESPAÑA AND CASH CYCLE: CHALLENGES FOR THE FUTURE
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1 BANCO DE ESPAÑA AND CASH CYCLE: CHALLENGES FOR THE FUTURE María Luisa Leyva Head of the International Currency Division E.S.T.A. BUSINESS CONFERENCE Valencia. May 14-16, 2006 CASH AND ISSUE DEPARTMENT
2 Contents 1. Agents in the cash cycle 2. The Banco de España s objectives 3. The auxiliary depositories of the Banco de España 4. The Framework for recycling banknotes 5. Conclusions and Perspectives 2
3 1. Agents in the cash cycle Credit institutions Issue Authentication at last resort Quality standars Destruction Sorting Transport Storage Distribution to customers Banco de España Companies in transit 3
4 2. The Banco de España s objectives 2.1 Priorities - High quality of the banknotes - Increase the role of the Banco de España in the cash cycle - Efficiency improvement 2.2 Sorting figures Credit Institutions 55% CITs 25% Banco de España 20% Credit Institutions and CITs 65% Banco de España 35% 2.3 Projects - The auxiliary depositories - The Framework for recycling banknotes 4
5 3. The auxiliary depositories of the Banco de España 3.1 Characteristics They are deposits of banknotes owned by the Banco de España and stored at the CITs premises. Established in January They make the logistics of cash between the Banco de España, the credit institutions and the CITs more fluid. They reduce the rate of re-use of banknotes, increasing the return frecuency to the Banco de España. Contract between the Banco de España and the managing entity. Guarantee: the cash accounts that the banking system holds with the Banco de España. Restriction: Prohibition on extracting from the deposits any banknotes that have not previously been sorted by the Banco de España. Opening hours: From 7:00 am to 6:00 pm. 5
6 3. The auxiliary depositories of the Banco de España 3.2 Banco de España`s distribution network Branches Auxiliary depositories 6
7 3. The auxiliary depositories of the Banco de España 3.3 Basic figures 1Q Q Q Q 2005 May 2006 Centers Cities BE s branches associated STOCKS Number of banknotes (million) Million RECEIPTS Number of banknotes (million) Value (in )
8 3. The auxiliary depositories of the Banco de España 3.3 Basic figures NUMBER OF BANKNOTES RECEIVED NUMBER OF BANKNOTES RECEIVED 8 DECEMBER 20% NOVEMBER NOVEMBER DECEMBER OCTOBER OCTOBER JANUARY JANUARY FEBRUARY FEBRUARY MARCH MARCH APRIL APRIL MAY MAY JUNE JUNE JULY JULY AUGUST AUGUST SEPTEMBER SEPTEMBER
9 3. The auxiliary depositories of the Banco de España 3.4 Implications for credit institutions/cits Smaller volume of cash reserves. Longer period to withdraw and lodge banknotes at the Banco de España. Reduction of the transportation costs. Lower risks associated with the transportation of cash. Reduction of the processing tasks. 9
10 4. The Framework for recycling banknotes 4.1 Characteristics Purposes. - Authenticity of banknotes - Quality of banknotes - Harmonization in Member States in 2007 Banknotes distributed by ATMs provided by: - The Banco de España - Professionals if banknotes are sorted by machines to check the authenticity and the fitness Requirements of machines to be published in the ECB website: - Tested and approved by the Eurosystem - Banknote processing in packages - Classify without the intervention of an operator - Separate physically the suspect from genuine banknotes - Check the fitness according to the criteria of the Eurosystem 10
11 4. The Framework for recycling banknotes 4.2 Implications for CITs Current cash recycling is not allowed Creation of a new agent: - The professionals cash recycling agents - Contractual agreement between Banco de España and CITs Publication of professional agents in the Banco de España s website Statistics requirements - Number of banknotes Processed Recycled Sorted to unfit 11
12 4. The Framework for recycling banknotes 4.3 Mile stones in April Meeting Banco de España-Spanish CITs May Publication in the Banco de España web the successfully tested banknote handling machines June-July Preparatory work September Meeting Banco de España-Spanish CITs October Publication of a Circular of the Banco de España: Professional Recycling Agents Certificate November Requests for certificates December Establishment of official cash recycling centres 12
13 5. Conclusions and Perspectives Banknotes with more quality. Increase the role of the Banco de España in the cash cycle. Closer relationship Banco de España-CITs More participation of CITs in the cash cycle. Opening of Auxiliary Depositories in Madrid and Barcelona Certificate for Proffessional Recycling Agents. Official cash recycling centres. 13
14 MARÍA LUISA LEYVA THANKS FOR YOUR ATTENTION CASH AND ISSUE DEPARTMENT
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