commiss decis septemb relat proceed articl eec treati iv irish bank stand committe english text authent eec commiss european commun regard treati establish european econom commun regard council regul februari regul implement articl treati amend act access spain portug articl thereof regard applic neg clearanc submit octob irish bank stand committe behalf member number agreement forc public summari applic pursuant articl regul consult advisori committe restrict practic domin posit fact octob irish bank stand committe ibsc file applic neg clearanc behalf member number agreement forc applic file precautionari measur member earlier voluntarili termin number agreement relat commiss charg bank servic previous exist parti parti applic relat member ibsc alli irish bank plc dublin ireland bank ireland dublin ireland northern bank belfast unit kingdom ulster bank belfast unit kingdom wholli own subsidiari midland bank plc london unit kingdom nation westminst bank plc london unit kingdom bank gener refer bank ibsc unincorpor member associ activ laid statut intern regul practic princip function twofold provid forum cooper technic oper matter coordin repres view member deal author relev repres bodi market categori financi institut oper ireland licens bank bank licens control central bank ireland bank subdivid bank parti clear bank princip retail bank bank merchant commerci wholesal bank industri deposit take lend bank thirti total state own state sponsor bank build societi lend activ confin mortgag financ hous ireland addit exist hire purchas compani credit union bank share total govern lend ireland approxim share total govern deposit market approxim agreement agreement applic neg clearanc relat bank open hour open hour bank subject formal agreement parti trade union bank employe current normal open hour mondai fridai dai week mondai thursdai inclus addit bank servic eighteen twenti hour dai autom teller machin atm oper parti clear rule parti member dublin banker clear committe oper clear exchang supplementari oper central bank central bank member committe chase bank ireland truste save bank agreement question set rule debit credit drawn credit member bank settl member remain free clear system clearanc item drawn credit offic bank deem desir addit member demand rule reconsid time free withdraw agreement subject give month notic write agreement refer requir membership committe principl open clear exchang oper central bank remain member direct debit scheme parti oper scheme custom make facil collect amount due debtor origin direct debit debtor bank account scheme public origin guid publish jointli parti set rule observ particip rule conform requir laid parti respect direct debit oper carri ireland background present applic commiss carri commun wide investig commiss charg credit institut member state bank servic provid find investig member state includ ireland agreement concert practic exist undertak capabl infring eec competit rule investig bank associ notifi agreement commiss present applic relat agreement commiss agreement conclud parti ibsc confirm agreement exist time commiss investig termin origin form applic neg clearanc relat agreement common interest rate loan deposit relat agreement forc parti review concept oper basi jointli agre interest rate carri parti central bank agreement termin structur interest rate retain part arrang bank interest rate introduc central bank consult bank arrang set press releas issu central bank framework commiss present polici sector confin decis agreement relat servic reserv posit arrang interest rate includ structur rate observ parti commiss receiv observ interest parti public notic requir articl regul ii legal assess gener applic commun rule competit bank sector constantli affirm commiss confirm court justic case zuechner bayerisch vereinsbank articl articl agreement undertak decis associ undertak concert practic affect trade member state object effect prevent restrict distort competit common market prohibit incompat common market undertak econom entiti engag activ econom natur bank particip agreement neg clearanc sought undertak mean articl eec treati agreement applic neg clearanc refer agreement contain agreement parti behalf applic made agreement constitut agreement undertak purpos articl restrict competit bank open hour commiss consid time period servic made consum aspect competit undertak provid potenti compet servic regard market parti agreement question oper bank servic provid parti affect agreement ii competit parti servic affect agreement commiss take view prevent restrict distort competit result agreement appreci clear rule direct debit scheme agreement provis object effect prevent restrict distort competit common market membership open agreement impact competit view ground basi fact commiss possess action part articl commiss give agreement neg clearanc articl regul adopt decis articl basi fact possess commiss ground action articl eec treati respect agreement bank open hour clear rule direct debit scheme oper bank ireland articl decis address alli irish bank plc bankcentr ballsbridg dublin bank ireland lower baggot street dublin northern bank griffin hous wilton terrac dublin ulster bank colleg green dublin brussel septemb commiss peter sutherland member commiss oj oj ecr seq