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By indirection of these associations the
Central Credit Committee represents 2,300 financial institutions (2005). The committee itself is not an institution – it is neither registered, nor does it have a postal address. The committee presidency changes annually rotating among the associations for
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The
Central Credit Committee resolves "common statements" (decided unanimously) representing the view of the German banking industry on a topic. The statements are published thereby influencing decisions of other institutions like the
63:) is an industry association of the German banking industry. Its decisions are held normative for the national banking sector – either directly by interbank treaties or indirectly by preparing a corresponding ministerial or
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needs to be part of the official title). As for
English publications the hybrid term "German Banking Industry Committee" is used, even with its own abbreviation GBIC, see for example the 2012 update of the
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275:) that are joined by the banking institutions. Banking institutions that are members of one of the associations in the ZKA are naturally bound to join these.
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Additionally the
Central Credit Committee supervises joint committees of the German banking industry like the Central Competition Committee (
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520:(SEPA) and the ZKA is supervising the EPC working groups by creating their own ZKA working groups mirroring the structure of the EPC.
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Vereinbarung über ein institutsübergreifendes System zur bargeldlosen
Zahlung an automatisierten Kassen (electronic-cash-System
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The
Central Credit Committee has created the standards in electronic banking which are resolved by proposing agreements (
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Vereinbarung über den beleglosen
Datenaustausch in der zwischenbetrieblichen Abwicklung des Inlandszahlungsverkehrs
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Vereinbarung über die
Festsetzung einer Höchstgebühr für die Benutzung der institutsübergreifenden Geldautomaten
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Allgemeiner
Verband der auf Selbsthilfe beruhenden Deutschen Erwerbs- und Wirtschaftsgenossenschaften
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Abkommen über den Einzug von
Wechseln und die Rückgabe nicht eingelöster und zurückgerufener Wechsel
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508:(1999/2002) has made for a shift to make decisions on a European scale. As a consequence the
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581:"Central Credit Committee" is the official English name used in publications of the ZKA
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of the five federal interest groups that represent the financial sector in Germany.
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Vereinbarung über die Richtlinien für einheitliche Zahlungsverkehrsvordrucke (
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Until August 2011, the association was known as the Central Credit Committee (
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Abkommen über die Datenfernübertragung zwischen Kunden und Kreditinstitute
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516:(EPC) was created in summer 2002. These drive the development of the
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Vereinbarung über das institutsübergreifende System „GeldKarte”
90:/ ZKA) when it adopted a new name (after almost eighty years).
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private banks, for savings banks and for co-operative banks.
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The Central Credit Committee was founded in 1932 as a common
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Bundesverband der Deutschen Volksbanken und Raiffeisenbanken
557:. Die Deutsche Kreditwirtschaft. 2012-02-20. Archived from
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The German "Die Deutsche Kreditwirtschaft " is literally
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Verband deutscher öffentlich-rechtlicher Kreditanstalten
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German Association of Savings Banks and Money Transfers
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Vereinbarung über das deutsche ec-Geldautomaten-System
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Centralverband des deutschen Bank- und Bankiergewerbes
263:) or the Working Group on Automatic Teller Machines.
252:, the Bundesbank or decision-making bodies of the
552:"Interface Specifications for the ZKA Chip Card"
116:Federal Association of German co-operative Banks
159:Bundesverband Öffentlicher Banken Deutschlands
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172:Federal Association of Public-sector Banks
360:Abkommen über den Einzug von Reiseschecks
510:European Committee for Banking Standards
414:system – practically defunct since 2002)
228:Association of German Covered Bond Banks
650:Business organisations based in Germany
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408:Vereinbarung über das eurocheque-System
250:Federal Financial Supervisory Authority
592:"Über uns - Deutsche Kreditwirtschaft"
454:(arrangement on the maximum fees for
187:Deutscher Sparkassen- und Giroverband
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609:www.Die-Deutsche-Kreditwirtschaft.de
376:Abkommen über den Lastschriftverkehr
344:Abkommen über den Einzug von Schecks
144:Federal Association of German Banks
98:The five founding associations are:
504:(1993) and the introduction of the
502:single market of the European Union
336:Abkommen zum Überweisungsverkehr (
215:Verband deutscher Pfandbriefbanken
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635:Organizations established in 1932
21:German Banking Industry Committee
236:Sonderausschuss Hypothekenbanken
267:Standards in electronic banking
640:1932 establishments in Germany
131:Bundesverband deutscher Banken
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317:payment blank form guidelines
261:Zentrale Wettbewerbsausschuss
34:Die Deutsche Kreditwirtschaft
542:The German Banking Industry
472:Vereinbarung zum POZ-System
208:Deutscher Sparkassenverband
43:), known until 2011 as the
16:German industry association
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538:The German Services Sector
518:Single Euro Payments Area
514:European Payments Council
292:agreement - includes the
88:Zentraler Kreditausschuss
54:Zentraler Kreditausschuss
45:Central Credit Committee
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464:/ arrangement on the
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410:(arrangement on the
388:transfer agreement)
381:Lastschriftabkommen
365:Reisescheckabkommen
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625:Banking in Germany
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619:Categories
568:2012-12-23
524:References
439:eurocheque
425:debit card
422:eurocheque
412:eurocheque
404:agreement)
372:agreement)
356:agreement)
340:agreement)
312:agreement)
67:decision.
65:Bundesbank
611:main page
486:GeldKarte
333:protocol)
327:agreement
296:protocol)
94:Structure
506:Eurozone
468:systems)
448:service)
446:Girocard
310:clearing
273:Abkommen
491:system)
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189:(DSGV,
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71:History
354:cheque
217:(vdp,
161:(VÖB,
133:(BdB,
105:(BVR,
84:German
49:German
29:German
562:(PDF)
555:(PDF)
294:EBICS
331:HBCI
219:lit.
191:lit.
163:lit.
135:lit.
107:lit.
25:GBIC
19:The
546:The
290:RDT
60:ZKA
27:) (
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