NATIONAL ELECTRONIC CLEARING SYSTEM

Departamento de Sistemas de Pago
División de Análisis de Sistemas de Liquidación
NATIONAL ELECTRONIC CLEARING SYSTEM - SNCE
Volume and value of operations
2016
Volume
158.043.347
January
February
March
April
May
June
July
August
September
October
November
129.174.190
140.733.351
144.643.548
148.836.533
149.992.024
156.361.666
146.331.465
134.331.837
144.895.057
146.737.015
December
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
(*) Values in euro millions
1.442.036.686
1.700.235.885
1.690.720.431
1.616.025.946
1.640.735.561
1.617.475.552
1.589.010.776
1.544.950.720
1.510.603.295
1.439.242.014
1.351.315.514
1.277.872.695
1.201.614.265
1.145.683.601
1.059.621.386
982.284.022
931.566.257
861.878.060
789.774.884
735.848.770
Cheques
2,65%
Totals
% var.
-18,27%
8,95%
2,78%
2,90%
0,78%
4,25%
-6,41%
-8,20%
7,86%
1,27%
-100,00%
#¡DIV/0!
0,56%
4,62%
-1,51%
1,44%
1,79%
2,85%
2,27%
4,96%
6,51%
5,75%
6,35%
4,88%
8,12%
7,87%
5,44%
8,09%
9,13%
7,33%
Bills of exchange
0,28%
Value (*)
162.332
% var.
120.922
127.692
129.020
130.466
133.911
148.219
141.317
118.788
-25,51%
5,60%
1,04%
1,12%
2,64%
10,68%
-4,66%
-15,94%
12,21%
-0,52%
-100,00%
#¡DIV/0!
133.294
132.607
1.316.236
1.562.709
1.483.761
1.505.168
1.590.036
1.633.482
1.677.180
1.694.704
1.997.854
2.032.156
1.898.926
1.695.581
1.669.698
1.556.220
1.423.032
1.273.046
1.196.279
1.108.479
1.005.973
899.052
Others
0,02%
5,32%
-1,42%
-5,34%
-2,66%
-2,61%
-1,03%
-15,17%
-1,69%
7,02%
11,99%
1,55%
7,29%
9,36%
11,78%
6,42%
7,92%
10,19%
11,89%
OTHER TRANSFERS
0,10%
credit advances
0,25%
Credit Transfers
28,44%
Direct debits
68,25%
Volume of operations by
subsystem
(Year - 2016 - percentages)
Bills of exchange
2,60%
Others credit advances
0,30%
0,08%
OTHER TRANSFERS
0,67%
Direct debits
18,89%
Cheques
15,31%
Value of operations by subsystem
(Year 2016 - percentages)
Credit Transfers
62,15%
Departamento de Sistemas de Pago
División de Análisis de Sistemas de Liquidación
SNCE. Volume of Operations - by Subsystem
2016
Direct debits
October
87.095.247
97.303.604
100.089.489
102.351.817
99.868.249
103.678.738
99.220.363
93.755.928
99.550.402
101.235.907
2016 (***)
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
984.149.744
1.103.735.504
1.201.309.118
1.141.985.244
1.167.626.956
1.144.716.419
1.119.611.372
1.075.763.405
1.021.927.481
961.072.622
899.614.852
847.043.916
February
March
April
May
June
July
August
September
CHEQUES
%
Operations
January
Credit transfers
67,42%
69,14%
69,20%
68,77%
66,58%
66,31%
67,80%
69,79%
69,79%
68,99%
##########
##########
68,25%
64,92%
71,18%
70,67%
71,16%
70,77%
70,46%
69,63%
67,65%
66,78%
66,57%
66,29%
Bills of exchange
%
Operations
34.101.069
38.962.839
40.077.012
42.015.860
45.524.908
48.124.868
42.642.096
36.669.876
40.832.084
41.213.702
410.164.314
462.347.983
427.544.436
410.159.017
401.565.844
390.441.520
378.414.106
367.887.286
362.178.739
337.012.486
304.652.397
277.139.776
26,40%
27,69%
27,71%
28,23%
30,35%
30,78%
29,14%
27,30%
27,30%
28,09%
##########
##########
28,44%
27,19%
25,33%
25,38%
24,47%
24,14%
23,81%
23,81%
23,98%
23,42%
22,54%
21,69%
3.686.322
3.879.875
3.886.641
3.893.652
4.014.125
3.962.506
3.889.847
3.394.584
3.914.626
3.738.065
38.260.243
48.421.725
50.518.050
53.882.321
58.072.171
65.069.250
70.873.498
76.814.672
91.563.537
101.255.967
104.455.886
107.981.180
2,85%
2,76%
2,69%
2,62%
2,68%
2,53%
2,66%
2,53%
2,53%
2,55%
##########
##########
2,65%
2,85%
2,99%
3,33%
3,54%
4,02%
4,46%
4,97%
6,06%
7,04%
7,73%
8,45%
455.927
405.655
410.764
397.636
408.023
418.257
409.229
354.325
435.730
380.482
4.076.028
6.904.973
7.887.021
9.492.878
12.100.346
15.045.456
17.137.514
20.252.481
28.175.233
32.095.028
33.608.816
35.398.226
CREDIT ADVANCES
Other (*)
%
Operations
0,35%
0,29%
0,28%
0,27%
0,27%
0,27%
0,28%
0,26%
0,26%
0,26%
##########
##########
0,28%
0,41%
0,47%
0,59%
0,74%
0,93%
1,08%
1,31%
1,87%
2,23%
2,49%
2,77%
29.200
32.456
32.436
31.496
30.113
31.446
31.311
26.287
27.755
28.653
301.153
414.909
500.995
497.486
1.592.771
2.252.157
2.974.256
4.232.876
6.758.305
7.805.911
8.983.563
10.309.597
OTHER TRANSFERS
%
Operations
0,02%
0,02%
0,02%
0,02%
0,02%
0,02%
0,02%
0,02%
0,02%
0,02%
##########
##########
0,02%
0,02%
0,03%
0,03%
0,10%
0,14%
0,19%
0,27%
0,45%
0,54%
0,66%
0,81%
3.662.490
3.662.490
76.584.635
2,84%
0,25%
4,50%
143.935
148922
147.206
146.072
145.606
145.851
139.619
130.837
134.460
140.206
0,11%
0,11%
0,10%
0,10%
0,10%
0,09%
0,10%
0,10%
0,14%
0,10%
1.422.714
1.826.156
0,10%
0,11%
SNCE. Amount of Operations - by Subsystem (**)
Direct debits
2016
%
Operations
January
February
March
April
May
June
July
August
September
October
2016 (***)
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
20.714
24.567
25.114
24.991
25.088
26.151
25.872
24.818
26.103
25.156
17,13%
19,24%
19,47%
19,16%
18,73%
17,64%
17,69%
20,89%
19,58%
18,97%
##########
##########
248.574
18,82%
14,63%
20,94%
19,57%
19,45%
19,41%
18,88%
18,56%
18,33%
17,40%
16,90%
17,00%
228.673
310.858
294.527
309.250
317.126
316.611
314.484
366.226
353.580
320.936
288.187
Credit transfers
CHEQUES
%
Operations
72.288
78.430
79.159
81.041
84.110
96.151
88.851
73.219
81.416
83.327
817.992
944.214
876.088
909.044
933.172
913.000
894.507
860.895
914.503
829.469
719.357
613.882
59,78%
61,42%
61,35%
62,12%
62,81%
64,87%
63,35%
61,64%
61,08%
62,84%
##########
##########
62,20%
60,42%
59,01%
60,39%
58,70%
55,89%
53,33%
50,80%
45,77%
40,82%
37,88%
36,21%
19.421
20.200
20.189
20.097
20.466
21.298
22.147
16.781
21.191
19.730
201.520
248.867
248.578
247.937
282.345
323.658
379.412
410.851
543.110
660.530
685.415
628.910
16,06%
15,82%
15,65%
15,40%
15,28%
14,37%
15,79%
14,13%
15,90%
14,88%
##########
##########
15,32%
15,93%
16,74%
16,47%
17,76%
19,81%
22,62%
24,24%
27,18%
32,50%
36,09%
37,09%
(*) The item 'Other' comprises the petrol and traveller cheques' subsystem and the diverse operations' subsystem.
(**) Values expressed in euro millions.
(***) Cumulative figures since the beginning of the year
Bills of exchange
%
Operations
3.512
3.255
3.447
3.360
3.278
3.527
3.469
3.209
3.807
3.371
34.235
43.334
45.237
51.151
62.721
77.316
83.783
105.480
169.724
182.756
168.016
155.955
2,90%
2,55%
2,67%
2,58%
2,45%
2,38%
2,47%
2,70%
2,86%
2,54%
##########
##########
2,60%
2,77%
3,05%
3,40%
3,95%
4,73%
5,00%
6,22%
8,50%
8,99%
8,85%
9,20%
Other (*)
95
126
101
110
99
117
120
108
86
103
1.065
1.340
3.876
2.511
2.354
2.410
2.866
2.995
4.291
5.822
5.202
8.628
CREDIT ADVANCES
OTHER TRANSFERS
%
Operations
0,08%
0,10%
0,08%
0,08%
0,07%
0,08%
0,09%
0,09%
0,06%
0,08%
##########
##########
0,08%
0,09%
0,26%
0,17%
0,15%
0,15%
0,17%
0,18%
0,21%
0,29%
0,27%
0,51%
3.993
3,30%
3.993
0,30%
5,21%
81.468
899
1114
1010
867
870
975
858
653
691
920
0,74%
0,87%
0,78%
0,66%
0,65%
0,66%
0,61%
0,55%
0,52%
0,69%
8.857
0,67%
0,95%
14.813
Departamento de Sistemas de Pago
División de Análisis de Sistemas de Liquidación
SNCE. Evolution of the number of operations
(by subsystem)
DIRECT DEBITS
CHEQUES
OTHERS
THER TRANSFERS
Millions of
Operations
1.300,0
CREDIT TRANSFERS
BILLS OF EXCHANG
CREDIT ADVANCES
1.200,0
1.100,0
1.000,0
august
900,0
800,0
700,0
600,0
500,0
400,0
300,0
200,0
100,0
0,0
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
(*) Cumulative figures since the beginning of the year
SNCE. Evolution of the Value of operations
(by subsystem)
Millions of €
DIRECT DEBITS
CHEQUES
OTHERS
OTHER TRANSFERS
CREDIT TRANSFERS
BILLS OF EXCHANG
CREDIT ADVANCES
1.200.000,0
1.000.000,0
800.000,0
600.000,0
400.000,0
200.000,0
0,0
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
(*) Cumulative figures since the beginning of the year
Departamento de Sistemas de Pago
División de Sistemas de Liquidación
SNCE - Other information of interest
7,92%
1. Netting percetage (*)
) Resources needed to settle the net balances in relation to the
total value of transactions cleared in the system
(*
2. Concetration index (*)
Volume
Value
63,15%
62,03%
(*) Market share of the five largest participants
3. Average value per payment
Value in euros
DIRECT DEBITS
CREDIT TRANSFERS
CHEQUES
BILLS OF EXCHANGE
OTHERS
CREDIT ADVANCES
OTHER TRANSFERS
2.042,21
8.111,36
1.063,76
207,18
5.139,55
6.275,85
3.232,42
(*) Including traveler and petrol cheques and diverse operations.