Final report of the Hearing Officer in case COMP/37.919 — Bank charges for the exchange of eurozone currencies — Germany (pursuant to Article 15 of Commission Decision 2001/462/EC, ECSC of 23 May 2001 on the terms of reference of Hearing Officers in certain competition proceedings (OJ L 162, 19.6.2001, p. 21)) (Text with EEA relevance).