bank al habib ltd schedule of bank charges

8/2/2019 Bank AL Habib LTD Schedule of Bank Charges

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BANK AL HABIB LIMITEDSCHEDULE OF BANK CHARGES

EFFECTIVE FROMJANUARY 01, 2011

TOJUNE 30, 2011


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SCHEDULE OF BANK CHARGESFOR THE PERIODOFJANUARY 01, 2011TO JUNE 30, 2011Bank AL Habib Limited

INTERNATIONAL BANKING

NOTE:The above commission is subject to adjus tment after ob ta in ing approval o f competent author ity i f the total vo lume ofLiC bus iness during the year of a cus tomer/group exceeds Rs 200 mil lion

A. IMPORTS:I CASH LETTERS OF CREDIT:AA. OPENING:

Annual Volume/ Committed bus iness dur ing the calendar year :a. Upto Rs 5 Millionb. Over Rs 5 Million to Rs 10 Millionc. Over Rs IO Mill ion to Rs 75 Mill iond. Ove r Rs 75 Million to Rs 100 Millione. Over Rs 100 Million t o Rs 200 Millionf. Ove r Rs 200 Million

1stQtr0.40%0.35%0.30%0.25%0.15%0.10%

Each subsequent Qtr. Or part thereof(Commission)0.20%0.20%0.15%0.15%0.10%0.10%

Minimum

Rs 1000 per quarter

AB. REVALIDATION OF EXPIRED LlCS OR TRANSFER TO NEW BENEFICIARY

V INWARD FOREIGN DOCUMENTARY BILLSa. Handling charges on all Inward Collectionb. I tems Returned Unpaid

VI ADVANCE PAYMENT AGAINST IMPORTSa. Swift Transferb . Demand Draft sc. Service Charges

II NON-REIMBURSABLE LICSUNDERBARTER I AID / LOANS:III AMENDMENTS:a . If amount and /o r per iod is not involvedb . If increase in amount and /o r per iod is involved

IV RETIREMENT:1 USANCE BILLS:

On maturity

1.00%

Same commiss ion as appl icable to opening of fresh LlCs as per1-AA. Above

Rs 500Rs 500 (flat)Rs 500 plus commission as per I AA. above.

0.30%

2 SIGHT:a. If retired within 20 days of negotiationb . If r et ired after 20 days but before 35 days of Negot ia tionc. I f re ti red after 35 days

Rs 500 per bill'@ Extra commission @ 0.10% per month or partafter the period ofLC commission already recovered . Mini Rs 250Mark-up from the date of Negotiat ion @. ..Paisas 46 per thousand per day til l retirementPaisas 47 per thousand per day til l retirementPaisas 50 per thousand per day til l retirement(Serv ice Charges @ 0.1% - Minimum Rs 250 wi ll be charged on reti rement 0all Import Documents)Rs 500US$ 75 (or equivalent foreign currency) from forwarding banks)

Rs 700Rs 2500.10% - Rs 350 Min

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Bank AL Habib Limited SCHEDULE OF BANK CHARGESFOR THE PERIOD OF JANUARY 01,2011 TO JUNE 30, 2011

INTERNATIONAL BANKINGVII CREDITREPORTS:

a.On foreign suppliersb.To Foreign Banks on their requestc. To Foreign Banks on customer's request

VIII REGISTRATION OF CONTRACTS FOR IMPORT ON CONSIGNMENT BASIS:a. Annual volume during the calendar year:

i) Upto Rs 10 Millionii) Over Rs 10Million

b. Amendments in Registration of Contracts for Importsi) If amount and/or period is not involvedii) If increase in amount and/or period is involved

IX REIMBURSEMENT CHARGES (Payable to reimbursing bank)X MESSAGE TRANSMISSION:

a. Swift Letter of Creditb. Other MessagesXI OTHER CHARGES

Rs 200 plus foreign bank/agents chargesUS$ 100 from Foreign BanksRs500

0.20%per annum = :J M . R 500irumum s.0.10%per annumRs 500 (flat)Rs 500 plus commiss ion as per VIII A. above.At actual plus Rs 150Rs 1,200Rs 400 per pageAs per section "F" Miscellaneous

B. EXPORTS:I LETTERS OFCREDIT:

a. Advising - for Customers- for Non- Customers

b.Amendment Advising - for Customers- for Non- Customers

c.Negotiation of Rupee Bills under Export LlCsd.Confirmation

Rs 800Rs 1200Rs400Rs 6000.25% - Minimum Rs 300Minimum Rs 1000 per quarterMaximum Case to case bas isRs 500Rs 250Rs 500

e.Transfer of Export LlCsf . Reimbursement payment to other local banks from Non-Resident Rupee Account.

II IFTHE DOCUMENTS ARE SENT TOOTHER BANKS FOR NEGOTIATION UNDERRESTRICTED LlCs.III COLLECTIONS:a.Cleanb.Documentary (on which bank does not earn exchange difference)

IV HANDLING OF DUTYDRAWBACK CLAIMV SERVICE CHARGES AGAINST EXPORT DOCUMENTS SENTON COLLECTION BASIS

WHERE PAYMENT COVER IS ALREADY RECEIVED IN BANK'S FOREIGN CURRENCYAlC Paisas 10 per Rs 100 or Re 1/- per Rs 1000VI NEGOTIATION OF FOREIGN CURRENCY BILLS UNDER SIGHT LETTERS OFCREDIT OD buying rate to be app lied . If proceeds are not real ized within 12

days then Paisas 40 per thousand per day to be charged for anydelay beyond 12days.

VII SERVICE CHARGES ONADVANCE PAYMENT Paisas 10 per Rs 100 or Re 1/- per Rs 1000

Rs 100Rs200Paisas 25 per Rs 100 (Minimum Rs 500)

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Bank AL Habib Limited SCHEDULE OF BANK CHARGESFOR THE PERIOD OF JANUARY 01, 2011 TO JUNE 30, 2011

Incase of Pak Rupees Rs.200Incase of Foreign Currency US$ 5 OR Equivalent F/Cy

INTERNATIONAL BANKING

CASE TO SBP FOR PAYMENT OF R&D - SUPPORT TO GARMENT INDUSTRYXV DRAWBACK OF LOCAL TAXES AND LEVIES (GARMENTS, HOME TEXTILE AND FABRIC5 Rs.750/- per claimXVI 6% RESEARCH AND DEVELOPMENT SUPPORT AGAINST EXPORT OF PROCESSED FOOD Rs.750/- per claimXVII. 25% FREIGHT SUBSIDY TO EXPORTERS OF LIVE SEA FOODS (DEALT BY TDAP) Rs.750/- per claimXVIII INLAND FREIGHT SUBSIDY Rs.750/- per claim

Rs 250 per orderRs 200 per caseRs 1 ,000 per caseRs 500Rs 250 per submissionRs 100per b il lRs.l,OOO

VIII SPO (STANDARDIZED PURCHASE ORDER)IX FREIGHT SUBSIDYX EE CERTIFICATIONXI ISSUANCE OF EE I EF NOC TO OTHER BANKSXII HANDLING CHARGES FOR EXPORT REFINANCE APPLICATIONSXIII EXPORT DEVELOPMENT SURCHARGEXIV SERVICE CHARGES ON ISSUING PRC, CHECKING, RECTIFYING AND FORWARDING

C. COLLECTION (Foreign Currency):I OUTWARD:

a.Clean bills / cheques plus courier chargesb.Cheques returned unpaidc.Local U.S. Dollar Collectiond.Return Charges of Local U.S. Dollar Collections

II INWARD:Clean collection

US$ 5 OR Equivalent Foreign CurrencyActual charges of Returning Bank plus US$ 5 OR Equivalent Foreign CurrencyRs. 300 per instrumentRs. 300 per instrument

D. REMITTANCES - FOREIGN:I OUTWARD:

a.Demand Draftsb.Fax / Telex / TTc.Cancellation ofFDDd.Stop Payment ofFDD

e.Service Charges:Against issuance ofFTTslForeign Mail Transfers (FMTs)/ Foreign Demand Drafts (FDDs)against Pak Rupees.

II INWARD:a.DD/TT /MTb.Home Remittances

US$lOUS$20US$lOUS$ 5 plus drawee bank charges at actual

@ paisa 10per Rs 100 - Minimum Rs 200 Where app licable Pos tagesTelex! Swift charges are to be recovered.

III FOREIGN TRAVELLERS CHEQUES ISSUANCE

NIL ifproceeds credi ted to an account wi th us otherwise charges ofRs 100Rs 3 plus cost of Money Order or Telegram charges i fTT is r equestedNocharges i f funds are credi ted to an account wi th a branch of BAH1% Commission

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E. FOREIGN BILLSPURCHASED:INTERNATIONAL BANKING

I FOREIGN CURRENCYINSTRUMENTS:Cheques , Draft s, T .Cs, IMOs etc . purchased for credi t to Alc.

II OTHER CHARGESF . MISCELLANEOUS:

I CORRESPONDENT'S CHARGESII POSTAGE 1 COURIER CHARGES will be recovered as under:

PostageCourier

Swift! Telex! Fax! CableIII CREDIT REPORT ONFOREIGN BUYERS

IV TESTVERIFICATION CHARGES FROMOTHER BANKS:

Rs 50 Handling ChargesOD Buying Rate to be app lied . I fp roceeds not real ised wi thin 12daysthen paisas 50 per day pe r Rs 1,0001- to be charged for any delay beyond12 days.As per Miscellaneous section "F"Actual plus Rs 100Rs 150i) Rs 1,400ii)Where courier charges are debited to Customers ' Alc with CourierCompany service charges ofRs 150

Rs 400 per pageRs 250 plus Foreign Bank charges at actual p lusRs 300 i f r epor t i scalled by Telex! Fax.Rs 275BANKINGOMESTIC

A. REMITTANCES:a.Issuance of Pay Orders- I ssuace of Pay Order for the payment offeesJdues in favour of Educational Ins ti tutions, HEClBoard etc

b.Issuance of Drafts, MTs, TTsi) Drawn on BAH branches

- Upto Rs 100,000- Over Rs 100,000

ii) Drawn on our correspondents- I ssuace of Draft , MTs, TTs for the payment of fees/dues in favour of Educational Ins ti tutions, HEClBoard etc

c. Telex 1 Fax 1 Swift charges on TTs.d. Postagee. Transfer by mCAf. Courier Charges:

- For BAH Branches- For other Banks

g. i) Online Cash Transactionii) Online Transfer Transaction (outside city)iii) Online Transfer Transaction (within city)

II ISSUANCEOF SBPCHEQUEIII CANCELLATION CHARGES OF DDIPO

I Rs 250.50% of fees/dues or Rs 25 per Ins trument whichever less

0.15% - Minimum Rs. 500.05% - Minimum Rs 1000.10% - Minimum Rs 500 .50% of f ee s/due s o r R s 25 pe r I nst rumen t wh ichever is l es sRs 100Rs 25 pe r itemRs 100 per t rans fer including cos t o f FaxRs25Rs50Rs 50 per transaction (No Online Charges on Collection of Educational Institutions Fee)Rs.50 per transactionNilRs 500Rs50

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DOMESTIC BANKINGIV STOP PAYMENT OF DDsV DUPLICATE DEMAND DRAFTVI DUPLICATE PAYMENT ORDERB. INLAND TRADE:I INLAND LETTERS OF CREDIT Opening CommissionII DISCREPANCY CHARGES AGAINST IMPORT LlC DOCUMENTSII I AMENDMENT IN LlCS :a. If amount and/or period is not involvedb. If increase inamount and/or period is involved.IV RETIREMENT:

I USANCE BILLS:On maturity

Rs 200Rs 150Rs 1000.50% per quarter and 0.25% for subsequent quarters Min Rs 500Rs 500Rs 500Rs 200 plus commission @ 0.25% per quarter

Rs 400 per bill '@ Extra commission@ 0.10% per month or partafter the period of LC commission already recovered. Mini Rs 250V COLLECTIONS:a. Documentaryb. Clean (including cheques)c. Handling charges on registration I payment of Standard Purchase Order (S.P.O.)V I NEGOTIATION AGAINST INLAND L/CSVI I PURCHASE OF BILLS, CHEQUES ETC.:a. Documentary bills other than those drawn against LlC andClean BiIlsl Trade cheques

0.30%Minimum Rs 200 plus payingbank charges0.25% Minimum Rs 25 Maximum Rs 500 plus paying bank chargesRs.2500.25% of bill amount plus marked down at approved rate.0.35% Min Rs 100plus mark-up @ Paisas 36per thousand per dayfrom the date of purchase of the instrument tothe date of paymentplus paying bank charges.0.35% Mini Rs 25 plus mark-up @ Paisas 36 per thousand per dayfrom the date of purchase of the instrument tothe date of receiptof payment, plus paying bank charges.

b. Oher Cheques I demand instrument (like dividendwarrants).

VIII MISCELLANEOUS CHARGES: where applicable (I-V above) will be extra as per following:a. Collecting Bank Charges, (if collecting bank other then Bank AL Habib Ltd)b. Swift I Telex I Fax I Trunk Call charges, if fate of the instrument is asked by Swift/Telex! Fax I Phonec.Instrument Returning Charges,For documentary collectionsFor clean collectionsd. Storage Chargese. Courier Charges: For BAH Branches For other Banks

Actual plus Rs 50Rs 100Rs 100plus Postage I Courier chargesRs 50plus Postage I Courier chargesPaisas 50per packet per day, Minimum Rs 50Rs 25Rs50

C. FINANCING I ADVANCES:I Following charges will be recovered in additionto mark-up:Charges for Documentation, Evaluation of Security, AndMaintenance thereof

Actual. In addition:project examination and review feeand I or arrangement feeand I or legal& administration feeand I or commitment fee

1%1%1%1%

Or as per pre-arrangement

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DOMESTIC BANKINGII FOR FINANCE AGAINST PLEDGE / HYPOTHECATION:

The various charges may be lev ied as fo llows:a. Godown Rentb.Godown Staff Salar ies and Muqadam Chargesc. Godown Inspection Charges:i) Within Municipal Limits

ii) Outside Municipal Limitsd .Del ivery Charges - i f godown keeper i s not postede. Stock Inspections:

i ) I f conducted by the agents appo inted by the bank.i i) If conducted by bank' s s taff

f . Business Commitments and Compensatory Commission

g.Delivery Order Charges on Pledged Goodsh. i) Other incidental expenses, insurance premium

ii) LEGALCHARGES: INHOUSE LEGAL ASSISTANCE: Vetting of property documents To mark l ien on secur it ies i ssued by o ther ins ti tut ions OUTSIDE LEGAL ASSISTANCE

III CIB Report ChargesD. STANDING INSTRUCTION FEE:E. SALE & PURCHASE OF SECURITIES, SAFE CUSTODY & ARTICLES IN SAFE DEPOSITS:

I CUSTODY OF SECURITIESII SALE AND PURCHASE OF SHARES AND SECURITIES

ActualActualActual conveyance charges p lus Rs 400TA &DA as per rules plus Rs 400Actual conveyance charges p lus Rs 100 per del iveryActualActual conveyance charges plus Rs 100 per inspectionI f a party f ai ls to pass on committed business while gett ing the credi tl ine sanct ioned in their f avour, the bank reserves the right to r ecovercompensatory commission max @ 5 % to the exten t of short fa ll in businesscommitted to be routed through us as per pre-arrangement.Rs.I00/- Per DeliveryActual

Rs 2,000 per documentRs 500ActualRs 250 per r epor tRs 100 per transaction plus remittance charges

0 .25% of the market value of shares/cost o f securi ty held plus CDC& insurance charges0 .125% on the f irs t Rs 10 ,000 of purchase price or cos t thereof- MinimumRs. 25 plus CDC & insurance charges.0 .0625% on amounts exceeding Rs 10 ,000 Minimum Rs 100 plus CDC &insurance charges.

NOTES:1.The above charges are in addition to brokerage.2 .Commiss ion wi ll not be recovered on purchase of newly floated securi ties, where i t i s payable by the Government /Government Agencies and f rom the subscribers to newshare floatation.

3.When order fo r purchase or sale of shares/ securi ties are executed through the bank 's o ther of fices, a ll inciden ta l expenses , such as pos tage, insurance charges etc . incur red wil l berecovered in addition to the commission brokerage charges.

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---~----SCHEDULE OF BANK CHARGESFOR THE PERIOD OFJANUARY 01,2011 TO JUNE 30, 2011Bank AL Habib Limited

DOMESTIC BANKINGRs 100 per transaction ( inward/outward) plus CDC charges where applicableRs 5 per scrip plus insurance charges

III HANDLING FEE ONSHARESANDSECURITIES FOR SAFECUSTODYIV WITHDRAWAL FEE ONGOVERNMENT SECURITIES, where shares and/or securities sold are fromthose held in safe custody, e ither commiss ion on sale of shares and securi ties as shown agains t i tem (I )o r wi thdrawal fee as shown agains t i tem (I I) and ( III ),whichever i s h igher wi ll be charged bu t not bo th .V HANDLING CHARGES for conversion, renewal, consolidation or sub-division of GovemmentSecuritiesVI ARTICLES INSAFE DEPOSIT.Fee for a rticles in sa fe deposit will be recovered in advance at the time of deposit or at the

a.Boxes and packagesb.Envelopes

VII LOCKER FACILITIESLocker faci li ti es are availab le at a f ew branches. The rent o f the lockers depends upon their size . Thebranches where such lockers faci li ti es are available wil l p rov ide detai ls of availab il ity, s izes and rent o f theat that branch.

a. Locker Breakinz Charges

Rs 100 per scr ip.

Rs 300 per quarterRs 100 per quarter

Rs.3000/-F. GUARANTEES:I Guarantee s Issued To Shipping Companies / Air Line s In Lieu Of Bills Of Lading / air consignment

notes.II Guarantees i ssued to col lector o f cus tom in l ieu of payments of duty.III Other GuaranteesIV Guarantees I ssued To SBP for Exemption From Withholding Tax on expor t proceeds.V Other Guarantees Including Guarantees For Deferred Payment Under supplier or buyer credit /

payee scheme:a.For clients utilizing guarantee facility of below Rs 15million.b.For clients utilizing guarantee facility of above Rs 15 million.

(In case of non fu lfi llment o f committed annual bus iness vo lume the ra te as at (a) above wi ll applyand differential will be recovered)

VI Amendment in the tex t o f Letter o f Guarantees(Amount and period remain ing the same)

Rs 10000 .50% per quarter o r par t thereof . Minimum Rs 10000 .40% per quarter o r par t thereof . Minimum Rs 1000Rs 500

0 .40% ner quarter o r nar t thereof Minimum R~ "i000.30% per quarter or par t thereof .

NOTES:Amendment commiss ion at Rs 500

Enhancement in amount or increase invalidi ty , same charges wi ll be appl icable. Guarantee commission wi ll be recovered from the date of i ssuance of the guarantee to re turn ofor iginal guarantee or conf irmat ion of the beneficiary that the guarantee s tands cancelled and be t reated as nul l and void.G. MISCELLANEOUS CHARGES:

1 Stop Payment of Cheques2 Confirmation of balance to Auditors3 Issue of loose cheques4 Certificate of balance5 Cheque drawn on us and due to insufficient funds.6 Stand ing ins truct ion charges .

Rs 200 per instructionRs300Rs 25 per chequeRs200Rs 200 or any amount less then Rs 200Rs 100 per instruction plus remittance charges

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Bank AL Habib Limited SCHEDULE OF BANKCHARGESFOR THE PERIOD OFJANUARY 01,2011 TO JUNE 30,2011

DOMESTIC BANKING7 Issuance of certificate on credit worthiness at Customers' request Rs 250 per certificate8 I ssuance of Sta tement of Account a t cus tomers ' r eques t(i) Statement of Alc upto 6 Months Rs 35(ii) Statement of Alc Above 6 months Additional Rs 35 per 6 months9 Special Clearing Cheques Cha rges Rs 300 Flat10 Col lect ion charges of prof it on coupons from other Banks / Sav ings Centres. Rs 10011 Photocopies of Paid Cheques Rs 25 per cheque12 Replacement of ATM Card Rs 30013 Issuance of Certificate regarding confirmation of Paid Cheques Rs 10014 Cheque Book Charges Rs 4 per leaf15 Call Deposit Receipt (CDR) Rs.200 Flat16 Account Maintenance Certificate Rs 200 per Certificate17 Intercity Collection of Cheques through NIFT Rs 100 per instrument18 Intercity Cheque Returen Charges Rs 200 Flat19 Re-issuance of ATM / Net Banking Pin Rs5020 ATMTransactionA. Intra Switch Transaction(i). 1 Link Cards on 1 Link ATMs Rs 15 per transactionB. Inter Switch Transaction(i) Acquirer: MNET & Issuer: 1 LINK Rs 15 per transaction(ii) Acquircr: 1 LINK & Issuer: MNET Rs 15 per transaction(iii) LB.F.T Rs 30 per transactionAs and when appl icab le , a ll Government excise du ties ltaxes , s tamp dut ies etc . account and wi ll be charged in add it ion to the Bank 's Tari ff . are for customers

The charges fo r serv ices not ment ioned in this tar iff w il l be advised upon reques t. Bank may vary charges depending on the business volume as per pre-arr angement .H. CASH MANAGEMENT SERVICES

Countrywide Collection Solution (for Corporates/SMEslF.Is) As per agreementBulk SalarylDisbursements As per agreementDividend Warrants Payment Arrangement As per agreementCustomized MISlReporting As per agreementBankers to the I ssue/ Floatations (IPOs/TFCslRight Shares etc) As per agreementAny other service As per agreementCONSUMER BANKING PRODUCTS

I. PERSONAL LOANSa. Processing Fee Rs 1,500b. Prepayment 4% of Principal outstanding amountc. Delayed Payment Rs 400 per late payment of installment

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CONSUMER BANKING PRODUCTSII. AUTO LOANS

a. Processing Feei) New Vehicles

Stamp Cost Rs 2,050CCIB, eCIB, Verys is e tc Cost Rs530Service Charges Rs 1,420

ii) Used VehiclesStamp Cost Rs 2,050CCIB, eCIB, Verysis etc Cost Rs 1,530Service Charges Rs 1,420

h. Prepayment NILc. Delayed Payment Rs 500 per late payment of installmentd. Charges on Returned Cheques Rs. 500 per casee. Repossession Cha rge s

i) Within City Rs 18,000ii) Out of City Rs 30,000

III . MORTGAGE LOANSa. Processing Fee Rs 3,500h. Prepayment 3% of Principal outstanding amountc. Delayed Payment Rs 400 per late payment of installmentd. Returned cheques Rs. 500 per casee . Proper ty Valuat ion At Actualf. Lawyer's Fee At Actualg. Income estimation At Actual

IV. CREDIT CARD FEESa. Joining Fee NILh. Annual Fee - Green/Gold NILc. Supplementary Fee NILd. Credit Card APR 25%p.a.e. Over Limit Fee Rs.500f. Late Payment Fee 10% of the minimum payment due or Rs . 500 whichever i sh igherg. Duplicate Statement Fee Rs. ISOh. Cash Advance Fee 3% or Rs . 500 whichever i sh igherI. Credit Card/Pin replacement fee Rs.500j . Cheque return fee Rs.200k. Sales slip retrieval charges (local) At actualsk. Sales slip retrieval charges (international) At actuals

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