June 2015 - MCB Bank

=..--I-!!gEBank for Life

5.# mM5 RATE5 GLCODE

A

1

2

3

4

5

6

1,,,_,_l

IMPORTSDocumentary Credit (LC)

Where total volume of import LC business of acustomer during a calendar year is:

Upb Rs.50 MilionAbove Rs.50 Million upb Rs.75 Million

Above Rs"75 Million upb Rs.l00 Million

Above Rs.100 Miflion upb Rs150 Ml[ionAbove Rst50 Miilion

Minimum Charges

FirstQuarter EachSubseguent Quarter

Upto 0.411% Upto 0.30%

Upto 0.35% Upto 0.25%

Upto 0.3tlort Upto 020%

Upto 025% Upto 015%

NegotiSfe

Upto Rs2,000/-

Notes;

a) - Group Heads are authorizd to refund LCCommission an prorata basis upan cancellation of LC before its expiry

Howerrer while refunding prorata commis slon f or ungrpired period, care should be taken that the co mmission far

partial usage shou Id be charged subject to minimum of Rs Zffi/-b) LC confirmatian chargu / charges outside Pakistao where applicable,will be rer;overed oncase to case basis.

c) Plus applicable Swift /Courier ch arges

Revalidation comrnission for expired LCs Commission to be charged from the date subsquent to the

date of expiry of LC at ratCI applicable in case of opening of

fresh LC

Notes:

I)LIC commission will be calculated on the amo unt of liability as per foreign exchange rate prwailing on the date ofrevalidation

2) Revalidation commission will be chargd upon acceptance of documents by the applicant drawn qainstexpired

UCs for th e puiod bey ond origi n al expiry of the LC

Non*eimbursable LC under Barter/Aid/ Loans

and authorization to pay

Minimum Charges

LC opened undel'suppliers Credit','Pay As

You Earn kheme" and "Deferred Payment"

LG for period over oneyear

Registration of contract with SBPin respect

of Private Foreign Currency Loans obtained by

borrowers in Pakistan from foreign lenders.

lssuance of undertaking favouring

SBP for providing forward cover exchange risk under

'Suppliers/Buyers Oedit", "PayAs You Earn kheme'

and "Deferred Payment LG for period over oneyear'on behalf of applicant.

Minirnum Charges

Upto 1%forfirst quarter

Upto 0.3CI6for each subsequent quarte

Upto Rs.1500/-

Upto 0.4@6 per quarta upto final payment. (At the time of

opening of LC commission to be charged on full amount of

LC liability plus interest payablethereon fortheperiod from

thedateof opening of theLCtill theexpiryof LC

Thereafter commission is to be recovered on six monthly

basis on outstanding /reducing liability)as per revised

scheduleof charga applicableas on date.

Upto Rs5000/-as handling charges

Upto @ 1.6@6 commission to be charged per

annum on reducing liability

Upto Rs.l,500/-

-I-N[CB

-

Bank for Life

s.# ]TEMS RATES GL CODE

7

8

I

10

11

12

t3

11

15

lssuance of No obiection certificate (N0C)

regarding forrard erchange booking through other

bank at importefs request

Registration of lmport Contract

PerTransaction foreign & local)

Contract Business:Upto Rs,50 Hillion

Upto Rs.l00 ilillion

Over Rs.l00 ilillion

Minimum Charges

funendment in L0/Contract

(alAmendment without increase in amount or

extension in expiry date

ib) Amendment involving increase

in amount andlorextension in expiry date

Advance payment to suppliers for lmportagainst which LC I lmport Gontnd has not been

registered.

0rRemittance after receipt of lmport documenb.

(Open Account Transactions)

Minimum Charges

lmport on Collection Basis -

(Foreign lmport Documentary Bills for Collection)

a) Handling commission.

b) Retum unpaid"

Service charges

(alService charges against all import bills.

{Collection & LG Bills}

ilinimum Charges

{b} Form'1" handling charges

Reimbursement charges

{payable to reimbursing bank}.

4 Delivery order issued for retease of

consignment in the absence of originaltnnsport doaments

q AnangemenUEndorsement Fee in case

blldtnnsport documnts ue drawn in favour of trl0B

without prior permission in Foreign Inward Documentary

Bills for Cdlection.

Clearance of Consignment under terms of Limit

Approval 0r unananged cleanance by the Bank.

ilinimum Charges

Charges per application

Upto Rs.800

Upto Rs.1200

LC amount

Upto Rs.1 ilillion

&er Rs. I ilillion

Upto 0.30%

Upto 0.25%

Negotiable

Upto Rs.1,5001-.

Upto Rs.1,2001- per tnnsaction. {plus applicaHe SIUFT chargesl

Upto Rs.l,200l- per transaction plus applicable commission

as per item 1,4, 5 & 8 on page No.5 & 6

Upto Rs,0.15%

Upto Rs.1,5001- (plus applicable SWIFf charges)

i) Upto Rs.l,0tXll- pa collection if charges an on Drawee's

(lmpde/slaccount

iil US$7$- if charges are on Drawe/s (Exportefs) account

US$l 00,-tFlat) from remifting bank plus

courier charges & otrer charges, if any.

Upto 0.15%

Upto Rs.1,5001-.

Upto Rs.2$-per"l" Form

At actual

Upto Rs.2,000[

a) lf charges are on Drawee's (lmpoile/s| account Upto Rs f ,0001-

b) lf charges are on Drawe/s (Exporte/slaccount US $ 501-

deductable frun proceed.

a) Commision against approved limit Upto @ 0.20%

on C&F value

b) Commission Upto @0.2501r0n C&F value on

forced cleannce.

c) No charges if customer pays diredly to C & F agent

Upto Rs.l,000F.

3030401080

3030101630

303r!401080

3030401630

3030101640

3030401650

3030101060

3060401010

3060101010

3060401010

3030401080

3030401670

3030101080

303Mt1680

---.l-----

Y

- -----n[CB

-

Bank for Life

s.# ITEMS RATES GL CODE

16

17

18

19

20

2l

22

Sight lmport Bills under LGs:

(a)When retired wilhin l0 days from the date of

negotiationr

(blWhen retired after l0 days butwihin

20 days from the date of negotiation r

{c}tThen ntired after 2ll days hrt wiftin

35 days ftom the date of negotiation'

{d}When ntired dter 35 days butwlthin

50 days from tre date of negotiation'

(e)When rethed afterS0 daysfrom he

date of negotiation'

tar|trlp (as p pdicy clrcularslcredit approvall plus conmisim as under

No Commission.

Commision Upio @ 0.20 per Rs100l, on plrchase pice

Commision Upto @ 0.25 per Rsl00l- on purchase pice

Commision Upto @ 0.30 pr Rs.l0d. on purchase pice

Commission Upto @ 0.15 pr Rsl00l- on prchase pice

3030401690

3{t30101690

3030401690

3030401690

303rx01710

3030401700

3060401010

3030101080

f{otes;

tDateofnegodalionmeans valwhtetrfsrBankSilasfoAccounlb&0lhd. *upandGommrsion mlllaaflNonailslrndmg

mwnt (afta redtrcing th casi margin),

*ffo mail up lo h ciaryed tn ase l0fl/nintercst liee cash maryin is depostted on or hforc fh date of negotn0on'

a) Usance Bills drawfl underletten dcreditdrertran

"Pay As You Earn Scheme', "Suppliers Credit'and

"Defened Payment Letten 0f Credits of ptiod over one

year.o

b) Extension in maturity of Usance Bills under

UC lContract

ilinimum Charges

lmprt Bills under Forced PN) i.e. payment not receivd

on due date

Discrepant documents handling charges

under lmport LCs.

Rs.1,000-pr bilf, (Flatlat$e time of retirement dbill. ln addition,

acceptancc commission Upto @ 0.15% per monh forthe period

beyond validlty of letter of credit

Service charges up to Rs.1,5001- Flat pr bill.

Upto Rs.l,000l-.

lla*up plus commision Uplo @ 0.15 ?t-on outstanding

finance plus handling charges and cornmission ncovs?He on

usance bills under LCs ,Compliance of PR.8 to be ensured in case

of Forced PAD (where applicable|.

a) lf charges are on Appficanfs accountr

All charges for conespondence SWIFI etc.

pfus Foreign Bank's charges (if any)

b) lf charges are on Beneficiary's account- US$751-

or eguivalent

Note:No charges to be recovered in case such charges have already been charged underany of the institutional arangements such as "Private Labeling"

LC cancellation charges

Commission in lieu of exchange earnings

if importer ananges Foreign Exchange

Cover through another Bank for effecting

payment of lmport transaction lodged

with McB

Freight certificate for import on FOB basis.

Upto Rs.2,0001- per LC Plus SWIFI charges

Commission up to @ 0.10% plus Handling Chuges Rs.800l- Flal

Up to Rs.1,000/- per certificate

----L--

--Y---I-n[CB

-

Bank for Life

s.# ITEMS RATES GLCoDE

B

I

2

3

4

EXPORTS

3030401720

3030401720

3030101110

3030401110

303010111

3030101720

3030101fi0

3030101110

3030101110

3{t30101

3030101730

3030401300

3030101730

3030101290

30301017 10

3030101110

730

Letters of Credit:

(a) Advising {Foreign and lnland}

(b) Amendment Advising(Foreign and Inland)

(c) Negotiation of Rupee bills under

export Letters of Credit.

Minimum Charges

(d) Negotiation commission on allexport billspurchased/discounted

i)Clean Documents

ii) Discrepant Documents

Upto RsJ,?OO- (US $ 50/- for outside Pakistanlplus

applicable courier/swift charges (At Actuat)

Upto Rs.1,000r- (US $ 50r- for outside Pakistan) plus

applicable courier/swifr charges (At Actual)

Upto 0.25%-

Rs. 500/- plus applicable courierlswift charges {At Actual}

Upto Rs.l,000,-

Up to Rs.2,0001-

lfoteiln case at overdue negotiated btll,lla*up as per bank's approvd applicablerate to be recovered,

(e) Addition of Confirmation (Foreign and lnland)

Minimum Charges

Transfer of export LC.(Foteign and lnland)

Reimbursement payment to other local

Banks from Non-Resident Rupee

AccountslACU Accounts.

When documents are sent to other bank for

negotiation under restricted letter of credit.

Documentary Bills without exchange

difference eamings.

Handling Charges:

(a) Dug Draw Back Claims.

Minimum Charges

(b) lssuancelReissuancelDuplicate of Annex'A'

for the purpose of claiming duty draw back

(c)On Freight Subsidy Claims

Minimum Charges

{d} 0n collection of Exp.Dev.Surcharge

(elResearch & Development Support GlaimstnolMinimum Charges

(0 Export Advance Payments

Minimum Charges

(g) i) ERF Part-l,where preshipment is ffiinedfrom MCB whereas export is routed through

other bank.

iil ERF ll- NOC for Entitlement

(g)

To be approved by FID on case to case basis

Upto A.25% or Rs. 5,000 per quarter(whichever is higher)

(Subiect to availability of country lcross border risk limits.)

Upto Rs.1,5001-

Upto Rs.1,0001-

Upto Rs.1,000/- plus ap$icable courier charges {AtActual)

Upto Rs.500l- per collection.

Upto @ 0.25% per case

Rs.250l

Upto Rs.250f per transaction

Upto 0.,|5%, porsansaction.

Upto Rs.250l- per transaclion

Upto Rs.80/- per transaction

Upto 0.25%, per transac{ionUpto Rs.250l- per transac{ion

Upto 0,1 5oh, Wt transaction.

Upto Rs.l,500/- per tansac{ion

Upto Rs.2,0001 per shipment

Up to Rs. 1,0001'per HOC

.G

--v-

--n[CB

-

Bank for Life


5

6

7

c

I

{h) ln lieu of exchange earnings

where exporter sells foreign exchange to some

other bank uvhere as documents were sent forcollection by ilCB

Minimum Chdrges

(i) NOC issuance charges against "E" Forms

to be utilized through any other bank

Service charges against export documents

sent on collection basis where payment cover

is already received in our NostroAccounlUpto 150 million

Above 150 million

ilinimum Charges

Charges for registration of contract forExport of Raw Gotton with State Bank ofPakistan and subsequent handling ofshipping documents for return of Bank

Guarantee from State Bank of Pakistan.

Handling Charges on applications under"Private Commodig Exchange

Anangement With Foreign Parties"

Upto 0.10% {flat) pertransaction.

Upto Rs.l,0001-

Upto Rs. 5001-per "E'Form

Upto 0.15 %

Upto 0.13 %

Upto Rs.15001-

Up to Rs. .|,200/- per transaction

Up to 0.18% Minimum up to Rs. 1,0001-

3060402010

3060402010

3060102010

3030101

3060601030

3060602030

3060601030

3060601030

010

REMITTANCESOutward Remittances :

(a) lfoney transfer under general permission

or specific approval of SBP or from Foreign

Cunency Accounb.

ilinimum Charges

(b) Inquiries regarding non-receipt offunds where the bank acted conectly

{c} Communication charga for Back to Back

transactions- Remittances bdow or equal to US$ 100 or itsequivalent

- Remittances &ove US$ ,|00 or its equivdent

{d}lnward collection relating to Foreign

Cunency Accounts received from abroad orlocal banks or our own branches with foreign

cunency payment involved.

[tlinimum Charges

Maximum Charges

{e} Sunender of Foreign Cunency Notes

for deposit into foreign cunency account

i) Upto USD 10,000

(or equivalent curency)ii) USD 10,001 (or equivalent cunency) and

above

Minimum US$ 5/- per item upto value of

US$100 or its equivalent.

Upto A.1o/o of the value

us$ 8r-

Rs. 3001- each plus applicable Swift charges (AtActual)

STc of normd chrges i,e., U$ 1$ u its eguivdat per bmsaction

U$ 3{tf ot its equivdenl pertrmsac{ion

US$ 3,- for collection upto US$ 1,000,-

0.1%for colleclion above US$ 1,0001-

us$ 3r-

us$ 6t-.

) ttrese charges are not applicable on FCY

A.25%[ sunendered in lieu of export proceed under

I tn. approval of SBP These charges will be

0.50%t applicable onfy in case of remittance is effected

' within 10 days of cash deposits

Itlofe;

ln addition to above, commbsionlservice chargeslrecovery of courier/postage/faxl cable charges will

also be made accordingto prescribedtariff (wherever applicabte).

s.# rEilS RATES GLCODE

2

D

I

2

3

4

Inward Remittances :

(allnward Foreign DrafL where payment made tc

beneficiary afler payment is received in ourNosbo Accounts (otherthan Home Remittances).

ilinimum Charges

{b} lnward cheques expressed in foreign cunenctdrawn on foreign cunency A/cs received fromlocall upcountry bank's branches forpayment in Pak Rupees after conversion at

authorized dealers buying TT clean rates.

ilinimum Charges

0.15% -

Rs.400/-

0.,|5% Commission.

3030401 01 0

3030101010

3060601010

ilole:

ln addition to above, cornnrission I service charges / recovery of courter $ostage/faxl cahle chalges

will also be made according loprescribed tarttr (wherever applicable)

MISCELLANEOUSGonespondent's charges

Tanif Charges(Postage I Swifr I Fax I Telephone and Courier)

(alPostage (Ordinary)

Local(with in cig)lnland (intercity)

Foreign

{b} Postage (Registered}

Local (with in city)

Inland (intercity)

Foreign

(c)Telegram

(dlSwift charges:

( i ) LC, Gu anntee llessage, ( hsuancelAmend rnent )

alSingle page

blllore than one page

(ii) luttrenticate and relay messages

alOfimrd lE lf sent on behalf of a locd Flto a forcign bank

b| lnunrd Le. lf sant on behalf of a foreig bank to a local Fl

(e) Faxffelephone

ilDomestic:

iilForeign :

alSingle page

b) ilore than one page

(f) Courier.

(g) Charges to be cfaimed from remitting

bank against inward remittances ifmentioned'OUR'

Standing Instructiols charges In foreign

cunency account.

Credit Information Reportincluding Credit Report on Foreign Suppliersl

Buyers with prior intimation to the customer

At aclual.

At actual.

At actual.

At actual.

At actual,

At actual.

At actual,

At actud.

At actual.

At actual.

Up to Rs. 1,500 plus apf,icablc SW|ff charges mentioned at (ilabove

Up to U$ 5{l plus applicabh SWIFT charges mrsrtioncd at (i} above

At ac{ual.

At actual.At actual.

At ac{ual.

Upto US$ 3{F or its equivdent per mess{eMF 103 No charges will be claimed ftom Non.t{ostroServicing Agents8anks

US$ 6/- per instruction

a) At actual as charged by the Foreign Bank lAgent ICredit Reporting Agency W?rich Provides the report

b) No Charges if report is provided to Scheduled Bank IDFI in Pakistan for bank's own customer, US $ 50where report is provided to a bank outside pakistan

c) PostagelCourierlFax/Swifi charges to be recoveredaccording to the prescribed Tariff.

{For othen}3060q!fl20lForTrade

Iiansactionsonly)

lnancntnan

3060602030(For Others)

3060602105

lFor TndeTransactions

onlyl

3060601030

3060601030

3030401,|10

ffilr[CBBank for Life

10

s.# lTEMS RATES GL CODE

5

6

7

I

I

10

ll

12

Cancellation(a)Banker's Cheque cancellation charges for

i) Foreign Cunency Account.

ii) Under genoal permission or specific

approval ofSBP.

(blCancellation of Inward Swifi Messages. Remiftances below or equal to US$ 100 or its

equivalent. Remittances above US$ 100 or its equivdent

lssuance of duplicate Foreign Banker's Cheque

lssuance of Business performance certificate

iat custome/s reques[]

Purchase of Traveller ChequeslDrafts etc,

Outward Collection for Foreign Cunency

Accounts.

Clean Bills (cheque, bank draft etc.)

Local US $ collection & settlement:

a )For Collection of instrument

b ) For instrument return unpaid.

For any enquiry requested by customer

beyond 2 years relating to hade transactions

Rs.500/- per itern Plus applicable SWlFllpostage charges

(AtActual), should not be charged from Pakistan Remittance

Initiative (PRllrelated foreign exchanged anangement as

per SBP instructions. Applicable to previously issued

instruments aswell.

Rs.350l

US$ 15f or its equivdent p* transmtion

U$f 3{lF or its equivalent pr bansaction

- SUlllFl/Postage chages will also be added accordingly

- Should not be chuged from F*istan Remittance hitiative

{Pil)rdated foreign erchanged arnngement r pr SBP

instruc'tions.

Rs.500/- Plus appl icable ComspondenU Sltlfflposta ge

charges

Upto Rs.|,000/-

Rs.500[ (Flat]

0.15% illinimum US $ 10 whichever is higher along witrapplicable couder charges

Upto Rs.100l- per collection.

Up to Rs.300F plus courier lFax/Telef,rone charges at

actual. This includes Rs.100l- payable to Nlff for its

services

Up to Rs.45lll- plus courier lFaxlTelephone charges at

actual. This includes Rs.200l- payable to illFT for its

services

Up to Rs. 1,000

3060601030

3060601030

3060601030

3060601130

3060402010

3030101010

2ncncnan?n

*twcBBank for Life

11

--ffiNfCBBank for Life

DOMESTIC BANKI NG

12

s,# ITEMS RATES GLCoDE

A

1

2

3

4

5

3030101090

3060,f01 01 0

3030401010

3030101090

TRADE PURCHASES (IMPORTSIa) Letters of Credit

"Where totalvolume of lnland LC businessof a custorner during a calendar year is:"

Upb Rs.50 Million

Above Rs.50 Million upb Rs75 t$illion

Above Rs,75 Million upb Rsl00 Miilion

Above Rs.100 Million upb Rs.150 MiflionAbove Rs150 Mi$ion

Minimum Charges

b) Service Charges on all inward billspresented in availment of our LCs

Minimum Charges

c) Discrepant documents handling charges

(from applicant or beneficiary in accordance

with LC terms)

Amendment in LGlContract:

alUUithout increase in amount or extension

in expiry priod

b) Involving increase in amount and/or

ertension in erpiry period

Documentary Inwards Bills for collec'tion

iiinimum Charges

Documentary bills drawn against UC

a ) Sight Bills:

i) lf retired within 3 days from the date oflodgment

ii ) lf retired after 3 days from the date oflodgment

ilinimum Charges

b ) Usance Bifls:

(i) Handling Gharges

( ii ) lf bill matures after expiry of LC.

iii) Extension in maturity of Usance Bills

Minimum Charges

c )Bills under Forced PAD i.e. payment

not received on due date

Storage charges(a) l{hen cleared within 3 days of receipt

by branch.

(b) From fourth day of receipt by branch.

Minimum Charges

First Quarter

Upto 0.45%

Upto 0.40%

Upto 0.35%

Upto 0.30%

Negotiable

Upto Rs 2,000r-

Upto 0,15%

Uplo Rs.l,500/-

Upto Rs. 1,500!

Each Suhsequent Quarter

Upto 0.40%

Upto 0.35%

Upto 0.30%

Upto 0.25%

Upto Rs.l,200l- per transaction

Plus applicable SWff/Postagel0ourier etc.charges

Upto Rs.1,200/- per 0ansaction plus applicable

commission as per item I {a}above and item I page 6

Service Charges Upto 0.15%

Upto Rs.1,500/-

lla*up {As prescribed in policy circular} but No

Commission

Markup (As prescribed in policy circular) and

Commission Upto @9,25% per anum

Upto Rs.l,0001-

Upto 0.25% Min Rs.600! Max Rs.1,200 per bill al the

time of retirernent of bill.

(Usual charges as at (l )abovelplus Rs.5{10/- per bill

along with acceptance commission Upto @ 0.15% per

month on bill amount on retirernent for the period

beyond validity of LC.

Same as under lmport -lntemational Banking

Upto Rs.5{l0l-.

Commission Upto @ 0.45 % in addition to

ma* up as per credit approval on outstanding finance

plus handling charges (above(i)) and commission

recoverable on usance bills under LCs (above(ii))

No charge.

RS.100r- per packet per day.

Rs.50l-

liruitu'ru lOtll'

13030401060

3{t30101

303010171

303M01

3060601130

690

0

700

*n[CBBank for Life

13

s.# ITEMS RATES GLCODE

B

I

2

3

4

5

6

7

c

3otMnl20ll

303010120!

3030101200

3030401200

TRADE SALES (EXPORTSI0utward documentary Bills on collection

basis

Minimum Charges

Purchase of BillsDocumentary Bills otherthan those

drawn against letter of credit

Minimum Gharges

Negotiation Commissionon sight bills purchased drawn under LCs

Upto Rs.50 Miflion

Upto Rs.75 Million

Above Rs. T5llillion

Minimum Charges

Collection charges for restricted LC

tWhere negotiation is restricted to some other

bank and presented to us for forwarding).

UsancelDA bills negotiation drawn

under LCs

Return in g charg es for documentary collec{ions.

LC AdvisinglAmendmenUConfi rmation/

Cancellation charges of (|nward) Inland LCs.

S.ervice Charges upto 0.40% plus applicable couriercharges

Upto Rs.1,5001-

Commission Upto 0.18nh plus mark-up ftom $e date of

purchase to the date of payment and courier charges

Upto Rs.l,000F

Upto 0.50%

Upto 0.4{l%

Negotiable

Upto Rs.l,000L

Forwarding BanUBranch would recoyer

handling charges sf Up to Rs.t,000l-

Usual commission as at above l-Outward Documentary

bills on collection basis Plus Markuplilartdown from

the date of purchase tillthe date of payment.

Upto Rs.500l- plus courier charges

Same as under Erport -lntemational Banking

303r!401090

3030101720

TREASURY & FOREX

I INVESTOR PORTF

Following Bank charges will apply

a (i). Transaction Charges:

(ii). Holding Charges:Upto PKR 1 Million:

Greater than PKR I Million:

b. Security Movement Charges(to another bank):

cuo sEcuRrilEs (rPsl

Upb Rs. 500 per fansaclion

Nil

Upb Rs.500l- Quarbr

Upb Rs.500 per tansaclion

*lrfCBBank for Life

14


D

I

2

I

I

:::l,ot*otrt]

REMITTANCESBank lnstrument {s}

Upto Rs.200

Upto Rs,350

Upto Rs.500

Upto Rs,300

Upto Rs.0.l5% {llin Gharges 30O-f

Upb Rs 300r- br Account Holders

Upb Rs 7501- hr Non Account Holders

Upb Rs250l- br Account Holders

Upb Rs.350/- br Non-AccountHoHers in cash(At Actual), Applicable to previousfy issued in$rurpntsaswell.

(allssuance of Banker's ChequeforAccwnt Holder

Upto Rs.5{10,000

From Rs.5m,001 to 1,000,{Xl0

Erceeding Rs 1,000,000

for Non Account Holder

Upto Rs 200,000

Erceeding Rs.200,000

(b) lssuance of Duplicate Banker's Cheque

(c) Cancellation of Banker's Cheque

Note:

Cancellation Gharges of Bankers Cheque will also be applicable for cancellation of old DDIPO

(d) lssuance of Rupee Travellers Cheque

(e) Lost RTC Refund/Deletion

(f) lsuance of SBP/I{BP cheque on client's A/c

(glDuplicate advice reguested by the customer

(if more than 6 months old)

l) Rs.Sl- per piece for denornination of less tran Rs.5,0001.

ii) No charges on issuance of higher denomination above

Rs.5,000!

Rs.500/- per application

Rs.500l- each.

Rs.250/- per advice

IVofes:

al Recovery of Remittance charges from Banks, DFls tt trtittty companiessubject to anangements.

b) Company alcs having avenge crdit balance of Rs. S.NM and abwe in their cuncnt accwnt may be

allowed fiMCE A ilONTH frur- remitbnce qual to their avenge crcdit balance for last 6 months ftom the

date of transaction.

c) The Cfiarges from sfudent fu making Banf,erb Chque any othq retahd insf:rtnent for paynent of fee ldues in hwur ofducation insttt 0oa HEGlBoard etc may not exceed 0.50% of fee/ dues or Rs.25 per instument vhich eyer is less.

d ) Remittance charges subject to negotiation with clienl having annual lmportlEttport/Remitbnce businessof over Rs.2N fil, Transactlon Banklng Buslness above 5O0n after obtaining approvat fron concqned 6161up Hgg,&

Head Sonthfiorth.

e) Charges shall be recovered from customerc having trade buslness of Rs.20tf & above during a calendaryear or having average advances utilisation of Rs.S0ltf & above during a calendar year.

t-iCross Branch Transactions:I

lVtfithin City: Deposits/ ltlithdrarvalst Fund Transfer

lhter City:

I Castr Deposits

I

lwittrorarYats

Funds Tnnsfer/Cheques

Inter City Clearing

FREE

ForAllAccounts

Rs.250[br inbrcity cash deposlt (to be recovered

from Remitter/Depos ltor)

Rs,275/-br inbrcig castr wihdrawal(to be recovered

from Account Holder)

Rs.2fil/-br online inbrcity fund [ansbr trroughcheque irrespeclive of the amount(to be recovered from Remitter)

Rs.200/- percheques for Inter City Clearing(to be recovered from Beneficiary account)

*n[CBBank for Life

15


E

I

F

I

ilofes:

a)Wikholdlng hx to be dedudedvhsever applicable.

b) Charges braccounls havingspecial aftangementfor online electronic salaryloher tansftrc thrcugfi

Itansacton Banking &vlbion 'he minimum blance requirenut af Rs.A.lNll' may b vaived after obbining

approvalftom Head ofT 8 D.

c) For RBG Dnnches a4rylroval of reductior{waivstobe oblained fronHad RBG Soutf/llodi on case lo case basis.

d) Studenf should be allawed l?ee of cosf online deposit in coll*tion of educatbnal instrtulion for paynent

of ke and noservtbe fre on depovfng fee directly infee collxtion accountaf ducatianalrnstrtufe

e ) The above charges slrall nof be applicable fo all cnstomers, fur 0ansaclions bet*een poling and lending

bnnches, rhose loan fus Deen lnansfeneilparted in lending bnnch. Any tansaction by tfte customer

other than betwxn pooling and lending branchslrall be subpct to charges.

f ) Remittance charges will be rccovered at tre aboye ntes, even vhere collecfons made by branch* uersniM to aher localions, nof*lthsfandllrg tlte prpose, rtreher fu centalization w ohauise. ln case ofcash depostl cfiarges fo be decided on case lo case basis as W amnpent under apgoval of GH I Had Sotrtlt/Noilr.g) ltlo clarges on lnter Ci$ cash+hegue deposi[ withdnwal, fuN tansfs inespective of tfie no. of tansaclrons hrcustomers naintaining monhty avmge deposif of Rs. 0.51f in cumnt Nc .

TRANSACTION BANKI NG DIVISION3030101130a) Collection/ Disbursement/ Remittances

blDealer Finance Processing Fee

Minimum Charges

clHome Remittances

All charges fc Transaction Banking produc{s (collection,

disbursements & remittances) will be decided on a case

tocase basis through agreement between the customer

and the bank.

0.5% (Fresh)/ Renewal= Rs 5,000r-

Rs 7,5001-

No Charges recovered on Home Remittances routed under

SBP Home Remittance Rebate Scheme.

3030101020

3030401020

tTote;

lll tltese charyes will be recovered by TBD on monfhly basis and branches are not aufrronsed to recover any charge.

NON.DOCUMENTARY BILLSCollections

i ) Glean (including cheques/dividend wanants

bank drafis etc.)

Minimum Charges

ii) For ltCB ChequeslBanker's Gheque

Minimum Charges

Upto 0.2570"

Rs.150/- plus postage lcourier charges.(At Actual)

0.150/.

Rs.100/-

Notes:

a) No charges if coflected through local clearing

b)lf total annualvolume erceed Rs.50 il following slabshall be applicable:

Above Rs.50 ilillion upto 500 Miflion 0.15% IAbove Rs.500 Million upto .|000 Million 0.10%

Above Rs.1000 Million 0.05% |)c) In case of urgent colfection of local cheque of Rs.0.500 million and above; Rs.500l- per collection.

Retuming charges of such collection Rs.2001. per collection.

dlPostagelCourier charges are to be recovered on collectionlrealization of each instrument (whether clean ordocumentarylon ac{ual basis. However, in case where party has deposited more than one cheque

instrument on particular date to be collectedldrawn on he same branch of the bank, postagelcourier

charges are to be recovered once only.

-C

--e

--NICB

-

Bank for Life

'16

s.# ITEI'S RATES GL CODE

2

3

G

t

l:

3030{01020

3030101090

3030101130

3030101110

,,,,,r,r,,130301013701

303{t1013801

3o3o1o13eol

3030101{101

'**o'*]

I

I

e) Collec{ion of cheque of small amount may be effected through postal senice (other than Courier) ifspecifically requested by the party in writing for which he will be responsible for delay.

f| Collec{ing agent's charges, if the collec{ing bank is oher than the bank, will be exfa.

g)ilWD Call Charges will be extra, if fate of the insftument is asked for by telephone.

Purchase of Clean bills {cheque, bank draft etc,}

Minimum Charges

Retuming charges for clean collections.

Upto 0.40% {Commission}pfus mark up from the date ofpurchase to the date of payment plus courier charges.

(AtActual)

Rs.25l-

Upto Rs.500/- plus courier charges (At Actual)

ADVANCESAnnual Renewal Feelilew facility initiation Fee

for Credit Limits (Running/Cash Finance)

a) Renewed/?resh approval

1) For WBG Gustomers

2) For RBG Customers

i) Limits of Up to Rs.5,000,000

ilinimum Charges

ii) Limits from Rs.5,000,001 to 200 ilillion

ilinimum Charges

iii) Limits above 200 Million

Minium Charges

b) Processing Fee for one off requests

(inclusive of ear+na*ing Facilig)

Restructuring I Rescheduling Fee

Annuaf Fee (Trade & Guarantees)a) lmport & Guarantees

ilRenewallgrant of fresh of following limits

LC LIMITS

DD M LIIIITS

TR LIiTITS

FIM UftIITS

FCIF UMITS

BG UMITS

Upto 1% ot Limit

As under

Upto 0.50% (of the facili$ amount)

Upto Rs.2,0001-

Upto 0.15% {of the facili$ amount)

Upto Rs.5,000/-

Upto 0.10% (of the facility amount)

Upto Rs.10,000/-

Upto 1% of the amount of request(0nly for WBG Customers)

Upto t% of the amount being restructured rescheduled

(only for}f/ BG clienfsJ

Upto 0,05% pertype of facility requested by customer

(to be charged at the time of renewalldisbursement)

eEI-n[CB

-

Bank for Life

17


I

5

6

ii) Interim Enhancementsl0neoff offollowing limits:

LC LIMITS

DDM UITIITS

TR LITITS

Ftit umTsFCIF LmtTS

BG LITITS

b) Exporti) Renewal of/Grant of fresh

FCEF/FCBD'FAF B/FBP/FAPC'IBP

ii) Interim Enhancementsl0ne0ff of

FCEFIFCBDIFAFBIFBP'FAPCIIBP

Following charges wiltbe recovered in addition to

Ma*-up/Return on investment:

ltliscellaneous {i. e, charges for documentation,

evaluation of secudty and maintenance thereof etc).

Upto 0,10% pertype of facilig requested by customer(to be charged at the time of renewaUdisbursement)

Upto 0.05% per type of facility requested by customer

Upto 0.10% pertype of facility requested by customer

(to be charged at time of approval)

At actual, in addition :

alhoject examination fee up to @ 0,25% (Flat) after

acceptance of sanction by the company but

before disbursemenl of the tohlamomt of

sanction {Funded and ilon Funded Both}.

b) Legal documentation fee up to @ A.zVh (Fla$

afrer acceptance of sanction by the Company

but before disbursement of the total amount

of sanction (Funded and Non Funded Both).

clProiect monitoring fee up to @ 0.25ohp.a. PayaHe

quarterly on outstanding amount (Funded

and Non Funded Both).

d) Commitnent fee up to @ f .00% p.a. Payable

quarterly on the undisbursed amount of

sanction (Funded only).

elFront EndlArangement Fee up to @ 1.{X}% (Fla$

wherever applicable as per Bank's disoetion.

All charges at item 4 (a) to (e) abwe are applicable toTerm I oanlProject Finance.

l*,*,*o|

3030101430

| 3030101f40

| 3030{01150

| 3030101170

| 3030101160

l*'*'*o

|

3030101160

15060ro30

I

I

lrlt1'','''"''1

ll30601020101

(ow|rED) |

30601020201

6couneoyl

:ffi::,1

'.'''"''1

'ilofe;The bank reset?es tlrc Nht to defermrn e the applicabffi as W anangemenfs wflh customerc utfi the approvalliom Business Group Head I hlead Soufl/t{odr orBusiness Heads

Miscellaneous charges for issuance of N0C:

For issuance of ilOclProcessing of requests for

signing of joint pari passul Inter CreditorAgreement

(lCA) lsimilar agreements at the request of

customers/clients for creating charge oyer assets

Minimum Gharges

For FinanGeS against fl edgdhypo$ecation,

various charges to be levied as follows:

{a}Godown Rent

{b} Godown staff safaries :

Salaries of Godown keeperslChowkidars.

(cll*ucaddarn Charges and storage or

Stock lnspection.

(dlGodown Inspection Charges :

{i} ltVithin llunicipal limits or within a radius

of 10 Kilometers from frre bnnch.Upto Rs.l ttlillion

Above Rs.l tllillion to 5 Hillion

Above Rs.S lfillion to 10 ilillionAbove Rs.l0llillion

0n case to case basis as per agreement with the party

Up to Rs.10,0001-

At actual.

At actual.

At actual.

Shall be credited to Bank's Income Account

Upto Rs.100l-

Upto Rs.700/-

Upto Rs.l,500[

Upto Rs.2,500[

Plus actual conveyance chargs. ftaximum one visit per rnonth.

*n[CBBank for Life

18


7

H

I

2

3

(ii)0utside the above limits.

{iii} Seasonal lending {Cotton, Rice etc}

Upto Rs.S f||illion

Above Rs.S ilillion

(elDelivery charges:

lf a godown keeper is not posted, conveyance

charges will be recovered.

(f| Other incidental expenses :

lnsurance premium,legl charges etc.

(g) Directors searchlCharge searchllocal

credit repori/lndependent stocks verificationl

Independent credit reportl Assets valuation.

(hlHandling charges on marking of lien

on Govt Securities

(i) Marking of lien on securities issued by

ttlCB for other banks

Handling Gharges where Finance Against lmported

ilerchandise (Fllt l Foreign Cunency lmport Finance

{FCIF} against LC open by ottrer bank

Minimum Charges

T.A. & D.A as per rules. Applicable to Staff only

in addition to charges at'd(if above.

Rs.300/-

Rs.500/-

Plus T.A. & D.A as per rules applicable to staff only

At actual.

At actual.

At actual,

Rs.500/- frat per customer.

Rs.500l- flat per customer.

Upto 0.1%

Upto Rs.5,0001'

[::::::::

lmosototo

l;::::

l**oro''o

ilofe;

Whlle r*overtng fie miscellaneouli clnryes like godown reng godown slaffsalary inspection cftarges etc.

the amount recovered fran the bonowers shall not erceed he total rent of the godom, salary of he gdown

sfaff efc. ln other wotds, miscellaneous charges will be levied at acfual and not b*ome a source of proftt to the

bank. Bank reserve the right to determine the applicab@ as per anangement wik lhe cusfom er with appraval

ftom Group Head of gohwn insepcfibn charges. However, rernburcement af acfital conveyance charges to be

made to concerned sbff fo the debltof Expenses Account after proper approval of he Business Grwp Head

and fton Head SouffNorth in case of RBG clienls

Rs, 2,000F or A.Zl%whichever is higher

At Actual

At Actual

CASH 4 CASH

Processing Fee

Incorne Estimation

LegalCharges

Itlofe;

For individualslenployees only. Sepante lerms and conditions yll aryty for institutianal amngements.Bank may revise/adjust the rates on changes in interest rates, application of taxation & based on groupcustome/s risk relationship,

-.-.--..--r--l-

||||||-l-

Ir[CB

-

Bank for Life

19

s.# IEilS RATES GL CODE

I

1

J

1

2

3

4

5

I

6

7

I

1,,,,,,,,,,1

STANDING INSTRUCTIONS FEEStanding instructions fee witt h recovered in

addition to the usual charges on rernittanses, if any.

Rs.200/- per transaction. (lf not specified in the rules of

specific poduct like Xhushali BachatAccount etc.).

SALE & PURCHASE OF SECURITIESSAFE CUSTODYARTICLES IN SAFE

DEPOSIT AND SAFE DEPOSIT LOCKERS

Sale and purchase of shares and securities

Minimum Charges

a) 0.15% on the fint Rs.10,000t of purchase price or costthere of

b) 0.10% on amount exceeding Rs. 10,000/.

Rs.50l-

l{ofesl

(a)The above charyes are in addition to brokaage.

fbJ Commrbsion is nol to be recovered on purchase of newly f,oated Secur0'es, where it is payable by the

Government/Govemnenf Agencrcs and from fre subscnberc lo new share floatation.

(c) When orderc forpurchaseorsaleofsftarcdsecunfies areexecutedthroughfrebankb otheroffices,all

incidental expenses such as posfage, insunnce charges etc. incuned will be recovered in addition to the

commissio nlb r okeragecharges.

Minimurn Charges

Handling charges for conversion,

renewal, consolidation or subdivision

of Government secu rities.

Public Floatation of Shares/ModarabaCertificates/Offer for Safe of Shares/

Dis-investmentlTerm Fin. Certifi cates.

ilinimum Charges

lssue of Right Shares

Minimum Charges

Payment of Dividend Wanants through

designated branches

I

lWithdrawal Fee on shares and securities

lheld in safe custody (to be rbcovered at

fthe time of withdrawal).

I ltlinimum Charges

I

lWithdrawal Fee on Govemment Securities (tVhere

lshares and/or securities sold are frorn thqse held in

lsafe custody, either commission on sale of shares

land securities as shown against item I or wisrdnwal

lfees as shown against item 2 and 3 wtrichever is

lhisher, willbe charged, but not both).

I ilinimum Charges

lGharqes for collection of interesUretum/luivioeto.

Rs.50l-

0.30% on the amount of interesUretumldividend

collected/paid

Rs.20l-

Rs.20l- per scrip.

Commission @ 0.50% plus Out of Pocket Expenses.

{Subiect to Negotiation of Rate based on volume of business}

Rs.20,000/'

Commission @ 0.50% plus Out of Pocket Expenses.

{Subiect to l{egotiation of Rate based on vdume of business}

Rs.15,000/-

Commission @ 0.30% pfus ac{ual amount of PartagelCourier

charges, subied to negotiation of rate based on volume ofbusiness

l|Od3t% on the lirst Rs.10,0001- of the paid.up orface

b) 0.125% on amount exceeding Rs. 10,0001..

Rs.50l-

Rs.10l- per scrip

tVofe;

Callection E Posbge charges should be condoned far HCB dividendwanantsvaluing upto Rs.50U. onty

-.vY

I-n[CBBank for Life

2A

s.# ]TEMS RATES GL CODE

I

10

K

I

2

3

4

5

Articles in Safe Deposit :

(Fee for Articles in Safe Deposit to be recovered in

advance at the time of deposit or at $e commencement

of each quarter).

(a) Bores and packages

Minimum Charges

(blEnvelopes

Minimum Charges

flo be insured on customers account.)

Safe Deposit Lockers Fee

flo be recovered Annually, in advance)

(a)Lockers $ize

{i) Upto 0.10 cfr, Smalf

{ii} From 0.1,1 to 1.35 c'lt tedium

{iii}From 1.36 to 2.00 cft Large.

{iv}From 2.01t0 3,00 cft. Extra Large

(blKey Deposit Small,ltlediurn, Large, Erta Large

(clBreaking Charges

(d) Late Payment Fee

Rs.S- per 100 cubic inches or part0rereof

Rs.1l!0/- per quarter.

Rs.S- per 25 square inches

Rs.350/- per quarter.

Rs. 6,0001- per annum

Rs. 8,0001- pu annum

Rs. ll,000l per annum

Rs.16,0001- pel annum

Rs.5,0001'Flatfor new lockers issued on or afrerJuly 01, 2011

AtActual

Rs.250/- for Smafl - Rs.400l- for ltedium - Rs.600l- for Large

Permonth wih grace period of one month

l.*,,,,,,

|

3o6oio3o1o

l,*0,0.,*o

rffi::

1,,-,,,,1

l**'*l

I

'ttlofes; \a)Business Grwp Head lllead Swtt{llwttr s Eusrness Headb maywaivehey depsitwhere clientmaintain

, evenge deposlt of Rs.f.0lf above in currcnt account and raute import exportbusrness of Rs.f0lf and above p.a.

GUARANTEESlGuarantees issued in favour of Shipping

lcompanies in lieu of Bills of Lading.

Guarantees issued in favour of Colleclorof Customs in lieu of payment of lmportl Export Duty

which are valid upto 6 months,

llinimum Charges

Guarantees issued in favour of Financial/DFlsl Institutions for financial accommodation tocustomers.

ilinimum Charges

Bank Guarantee assignment noting

{having assignment clause}

chargs/confirming genuineness in favour of other banks

Other Guarantees :

Where total volume of guarantees being

issued on behalf of a customer during a

calendar year is :

Upto Rs.15 Million

Upto Rs.30 Million

Upto Rs.50 Million

Upto Rs.150 Million

Above Rs.l50 tflillion

Minimum Charges

Upto 0,40% per quarter

Upto 0.30% per quarter



i'legotiable

Upto Rs.2,000 per month till return of orignal guarantee

subsequent to receipt and release of shipping documents.

Upto 0.65% per quarler

Upto Rs.2,000/-.


Upto Rs.2,000/-.

Upto Rs.l,000[

Quarterwilf start

from the date of

issuance of Guarantee

Upto Rs.1,5001- per annum per guarantee 0RUpto Rs.400[ per quarter wherever guanntee

validity is less than one year.

*nfcBBank for Life

21,

s.# ITEMS RAIES GLCODE

6

7

I

L

1

2

3

_l

Back to Back Guarantees

including Performance Bonds, Bid Bonds, Advance

Payment guanntees issued against counter guanntee

of fi nancial institrtrion.

ltlinimum Charges

Amendment in Guarantees

(alAmendment without increase in amount or

extension in expiry date when charges are on

account of pincipal or beneficiary

l) Located in Pakistan

ll) Located outside Pakistan

(blAmendment involving change in amount orextension in erpiry date/cancelation of guarantee

Cancellation of Guarantee

before expiry date wfren charges are on account

of pincipal or beneficiary

llLocated in Pakistan

ll) Located outside Pakistan

To be negotiated by FID on case to case basis plus actual

cost of Stamp Paper, Courier I Swifi Charges etc.

Upto 0.40% per quarter or US$ 500which ever is higher

Upto Rs.l200/- per bansaction

Upto U$l 50/- or equivalent in other cunency pertransac{ion

Charges as per item "a" above plus applicable

commission as per item # I to 6 above

Upto Rs.l 200/- per tnnsaction

Upto US$ 50/- or equivafent in other cunency pertansaction

ilofes;

a) Grwp tfcad I Head Soud/lJoff or Busrness Heads are autwizedto rdund6uannlee Commision on

prwafa basrb upon cancellafron ol Guarante bfore rts exprry, However while refunding prorata commissio n for unu;ired

Wied, care should be hlen lfiat fte commissio n tor partial usage should be cfiarged subjec t to nininum of Rs 2M1.,

b ) Guanntee confrrnalion cftarges, where appliable, will be rxovered on case to case basis.

c) ln case of the forced liattiff creatd an invacation of banh guannt*s, (exceptissued against Crlunts Guannlees or

Standby lefler of Crcdits af Fweign 8an[9 nar*, up applicable as per bankb policy wtll bncoyercd fron ile date of

invocation af the guannl* until complefe adlusfnent of the forced lcrrn & any otier chargeg lt applicabh

dJ Commiss ion on Gurailees is to be chuged fron the dde of issue tilt erpiry of the Guuntrr including claim'spxiod ortiil sucfi 0me thebmk is rdeased from rb liahi|/fi under the Guumt*,whichevq is lda,.

MISCELLANEOUSCharges for issuance of Duplicatel Photostatcopy or fresh statement of account ( LCY, FCY )

other than the half yearly statements.

lssuance of Cheque BookalFor LCY (CD & PLS a/c)

b) For FCY a/c

lssuance of new cheque book tLcy / Fcy)in lieu of lost cheque book.

Fhese charges are in addition to stop payment

charges prescribed below).

Stop payment charges {Charges per instruction}

a) For LCY a/c

b) For FCY dc and foreign

cu nency cheques/drafts.

Rs. 351- (lnclusive of FED)

Rs,9/- per leaf for (D & PtS a/c plus exise duty if any

US$ 0.151-, G8.t.0.10,-, Euro€ 0.10/. {Per Leaf }

Rs.200/- per reguest plus, Cheque Book Charges

Rs.300/-

US$ 6l-, GB.S.S,-, Euro€ 5l-

ffin[CBBank for Life

22


5

6

7

I

Accou nt Maintenance/Service charges.Average llonthly Balance to be maintained:

i) All Accounls (LCY) other than RegularSaving & Privilege Alcsa) Business Account Rs. 50,000

b) Cunent Life Accamt Rs. 25,000

c) CurrentAccount Rs. 10,000

iilAll Accounts FCn other then privilege

US$ 500/-, GB.f, 5001-, Euro€ 5001-

iiilAll Privilege Accounts (LCYI

PKR 2.5 il in Saving orTerm lleposit & I il inCunentffc

iv) All Privilege Accounts (FCn

Equivalent to PKR 2.5 M in Saving or Term Deposit

&ltinCunentNc

{See notes below a,b,c }

Rs.50l or equivalent (inclusive of FEDIp.m.will be recovered 3060701050

3060601190

IUofes;

(aJ ln case he Mance in an accnnnb belor Rs 5A availaile anauntmll be rccoyend as ircidenbl ciarges. Ilnrecovsy on actnl basrs should be made incfusiye d FED.

fb, Sertce Cfarges for Nc naintenance will brcoverd fo n durnant NCs till he pdod at dornanr.

( c ) BBAaccounb are also exempled ftorn he r*overy of frese accowrt naintemnce charges

( d) All sttch collec0on accounfs i.e. non*fteguing accounts from where fie balances/ funds as p shnding iins0uctlbns, are

0ansfened to cuslomen' m ain collection alc whetw htly w on giodinl basis, slrall h uenpt frw levy ol service charges

@ Rs.50- p. m an nininm nonthty averyDalance ol Rs.l[,MA. w bebw.

( e ) Foilowlng acrcounF are exanpt frw levy of Rs.S# (or quivalent) p.n:

fl Accounb nainhined by Empfopes of GovfSemFGovt lnsttutlbns tw Salary, Pensbn t Eenevolen t Furd prpdse incftailng

widows lchildrenof deceasedemployees e,tg,bre brtamlly pasiodbneyolenl fund gnntetc;inany nannerrtaboeyer

r) flustahgeen Zakat

iiflZakatacewnbmaintained far colletfun t dishrsenentof hfraf Funds

iv) Sludents

q nB Employees, tltar spouse and tlCB rc0'red sbl? gefling pensio n in heir llCB *cwnl tlrcir accwnt will rmain as

'Sbf aN dl &sh &ntingAccounb.

( fl t0 ciarges on conversion of eristtng accounb fo Basic Bankiry Accoun6 fBBI, as pr SBP lnstuction.

Transaction Fee on Basic Banking Account pB4

a)i) Each month he account holderwiflbe allonred

2 deposit tmnsactions(either cash or throlgh

clearing| & 2 wilhdnwals (cash or clearing)

iilTnnsac'tion oyer & above the limtrt will h charged

b) Duplicate statement of account todrcrhar once h ryear)

PLS Savings Xtra

Charges for cheques returneda) For LCY dcb) For FCY alc

Free

Rs.3S- pertnnsaction flus FED

Rs.35l- {lnclusive of FED}

alCustomerwillhave upto 3 Free overthe counter

cash withdnwal 0ansactions per month

b| From 4th transaction onward Rs.25 will h charged

lor each cash witrdrawal made through cheque.

clThere will not be any restriction on Cash

withdrawals through eChannels.

Rs.350/- (lnward)

US$.61-,GB.t.sl-,Euro€.5/-These charges are rccoyered ftom $e drawe(ourAlc holder)

who has issued cheque drawn on our bank branch which is

retumed unpaid due to insufficient funds" Where cheques

relurned on counter no charges will be recovered

*n[CBBank for Life

23


g

10

11

12

t3

14

15

16

17

r8

M

I2

N

1

Same Day Clearing Charges

a) For LCY dcb) For FCY a/c

Inter-City Clearing:alClearing charges

b) Cheque retuming charges

Balance confi rmation Certificates(Required by custonrers other than auditors)

a) For LGY a/c

b) For FCY a/c

Account maintenance certificate(For submission to Financial lnstitutions/Embassiesl

Companies & Govt Agencies at custome/s request

alFor LCY a/c

b) For FCY dcCourierAccount closing processing cost(Except profit bearing accounts)

a) For LGY dcb) For FCY alc

Charges on Collection of Utility Bills(Electici$, Gas, Telephone & Water charges)

Either paid by Cash or by Cheque

Salary processing charges- Bulk Sdary ft5 employees & above) TBD cases

- Sdary Processing (atleast S) anployes)Other than TBD cases

PLS Salary Glub Gold Account l

a )Banker's Gheque l

b ) FirstATil/Debit Card i

c }First Gheque Book I

d) Lockers I

e ) On Une charges ( out of city ) I

i) Deposit I

iilWthdrarC i

iii) Fund fransfer I

Real Time Gross Settlement Charges 6rcs1l(Time schedulc is accordinq to RTGS system transactionl I

(FED ls applicable on Bank-s Income as per rules| 'l

At ActualAt Actual

At ActualAt Actual

Rs.l 001- per certifi cate

US$.3/-,G8.[.2]-,Euro€.?- per certificate

Rs.l 001- per certifi cate

US$.3,-,GB.t.?-,Euro€.2/- per certificate

At Actual

Rs.25{l/- or entire amount if balance is below Rs.250l-

US$ 6, GB.t.sl-, Euro€ S- or entire amounl ifbalance is belowlequivalent US$sr-.

Rs.8l- per bill flatThese charges are to be recovered from utilig companies

and notfrom ctstomers

Upto Rs.l fllf per transactionUpto Rs. 100/- per bulk upload from (o'mpany a/c

Free

Frceforfrst year & renewal wi[ be darged at prevailing rate

Free

25% Discount

5{l% Discount

50% Discount

50% Discount

l'**0"*

13060601310

13060601320

l'o'o*"'o

I

l'*0"'*o13060701020l(Electicity)laosozotoso| (Gas)

13060701040

lffelenhone)130607010e0

l--I

ID.yt

9:00 rn to.t:30 Frt

Ian&yto Frider

Iordeyto Frldry

Trmncthr llnc - SBP utdorTTIB

9:Snrto200pm to 3:30 prn

l:30 pm to 4:30 pm

mT 102

lalf Orrg..

I

lml30150

I

Irs

m

| ;t ava

l[m&y I

Ito frury | 9:@ rrn to 4:30 Pn

Saving Maximizer AccountRs.75/-

Regular rate will be applied

lssuance of Banker's Cheque

lssuance of Cheque Book

MCB FUN CLUB (Banking for Kids

MCB Fun dub Debit Card

{i} Fun Club Debit Card:

{a} Debtt Card Annud / tssuance Fee

lb) Debit Card Replacernent Charges

lii) Taga Plant byWWF:lSubscription Fee)

{iii} Education Plan byAdamiee Ufe

(M Mobile Banking Fee

(a) Annual fce

{b} Renewal tcc

{c} IBFI Fcc

PKR.5oo/-PKR. SOO/-PKR. 5OO/- (One Time Only)

Fun Club Education Plan - AdamieePlan Annual Premium in PIO Insurance Bencft lln PlfilA 1,050 5,$0/ Msrdr for 5 Years

B 2.100 10,0(X) / Month for 5 Years

c 3,100 15,A{D/ Month fa 5 Yean

Upto Rs.300/- pctennun

Upto Rs.3{lll1- pcr amunUpto Rs" 50/- perlmra<tion

*n[CBBank for Life

24

*twcBBank for Life

303020111

3030101

303010151

SMART CARD(ATM/DEB|r CARDI

(a)- Local

(i) Renewal

rb,. INTERNATIONAL:

(i) Renewal

Dispute Handling Charges:(i) Domestic Sales Transaction dispute

handling charges for debiUATll cards.

(ii) International Sales Tnnsaction dispute

handling charges for debiUATltl cards.

Girrus Branded Smart Cards:(ilTransac'tion made on ATItls (outside Pakistan)

(iilBafance Enquiry on ATils (outside Pakistan)

Balance inquiry:

- MCB Customer at Mnet Jtfember Bank

- [tlCB Customer at lLink ATttf

Cash withdrawal made on MNET ATMs

Cash withdrawal made on l Link ATMs

IBFT from MCB Alltl

Voucher RetreivalFee = Rs.2501. per document

Voucher Retreival Fee = Rs.8001. per document

Charges 2.75% or Rs. 2501- perbansaction

whichever is higher.

Upto Rs. 100/- per transaction.

Upto Rs.4l- per transaclion

Upto Rs.5/- per transac{ion

Rs.l 0l- per transaction

Upto Rs.15/- pertransaction (flat)

Shallbe charged to customer.

Upto Rs. 100/. pertransaction

MCB VISA DEBIT CARD

lssuance of MCB Msa Debit Card)

(a) New Card

(b) Renewal

(c) Supplementary Card

(d) Replacement

GOT"D GOLD PLUS PI.ATINUM

Upto Rs.500l- 750F 1,000/- 3,0001-

Upto Rs.500/- 750h 1,000/- 3,000/.

Upto Rs.500/- 500/- 500/- NrA

Upto Rs.500l- 7504 1,000/. 3,000r.

26

*tI[CBBank for Life

4

5

6

7

8

Dispute Handling Charges

(i) Domestic Sales Transac{ion disputehandling charges forVisa Debit card,

{ii} International Sales Transaction dispute

handling charges for Visa Debit cards.

(iii) Arbitration Charges

f nternational Transaction

(ilTransaction made on ATISs (outside pakistan)

(iilBalance Enquiry on ATts (outside Pakistan)

Balance inquiry

- MCB Customer at Mnet Member Bank

- [fCB Customer at lLink ATt

Cash withdrawl made on ilNET ATMs

Cash withdrawl made on l Link ATMs

IBFT from MCB ATit

Foreign Transactions

Voucher Reheival Fee = Upto Rs.250l- pu document

Voucher Retreival Fee = Upto Rs.800l- per document

Us$ 5001- or equivalent Pak rupee

Charges 2.7 5% or Rs. 2501- per transaction

whichever is higher.

Upto Rs. 100/- Flat perhansaction.

Rs.4l- pertransaction

Rs.$- pertransaction

s.l01- pertransaction

Upto Rs.15/- per transaclion (flat)

Shallbe charged to customer.

Upto Rs. 100 per transac{ion

2,V/son foreign transaction after conyenion into

U5$ and then billed into Plfi to the n$omerindusiye of visa charges and statmenUcunency

convenrion loss against forei gn transaction

SELF SERVICE CHANNELS

IBFT Fee (Per Transaction)

MCB MOBILEMCB Mobile:

Annual Fee

Renewal Fee

IBFT Fee

Upto ns.300/-per annumUpto ns.300/-per annumUpto Rs.50/- Per Transaction.

27

----I-n[CB

-

Bank for Life

3050101140

MCB VISA CREDIT CARD

Joining Fee

Annual Fee

Annual Chip Maintenance Fee

Supplementary Annual Fee

Annuaf Supplementary Chip ltlaintenance Fee

Annual Fee/Per Visit Fee

{a} Priorig Pass Per Visit Fee

{b}Priority Pass Replacement Fee

l-Cash on Call

Processing Fee

Service Fee/Markup on Cash Transactions

Service Feelllarkup Retail(Fixed APR)

Service Feelilarkup Retail(Vadable APR i-revolve)

This is charged on per retailtransac{ion from an

APR of ll%infirst nvolw month and based on

revdving of the transaction the rate continues

declining each month for six rnonths to a minimum

of 36% i.e sixth revolve month and continues al this

rate till the transadion is fully paid.

Late Fee

Cash Advance Fee

Overlimit Fee

Voucher Retrieval Fee

For Local

For Foreign

Credit Security

i-lnsurei'lnsure Package Ii{nsure Package 2

i-lnsure Package 3

i{nsure Plus Package 4

lUalfet Protection

GOLD CLASSIC PLAilNUM

Rs.l000 p.a. Rs.3,0001. p.a"

US$ 35 or equivalent Pak Rupee

Upto Rs. 5001-

3%for service feelma*up per month fanslated intoan APR of upto 36%on daily basis from tre booking date

Rs..2501.(per request) or uSo 2'h of amount whichever isnrgner

3.25'/cforservice fee/markup per monh translated intoan APR of upto 39% calculated on daify unpaid balance

from date of transaction

3.25%for service feelma*up per monh translated

intoAPR of upto 39%

Upto 11% to 36% APR based on continuous revolve ofper retail transaction for six months or above

APR PER it|OilTH

Upto {1% 3.42'lo

Upto 10% 3.33%

Upto 39% 3.25%

Upto 38% 3.17T0

Upto 37% 3.08%

ilonth 6 & beyond till the

transaction is not ftrlly settled Upto 36% 3.00%.

Rs.1000/- or 1A"/o of minimum payment whichever is higher.

Rs.750/- (pertransactionlor upto 3% of the cash

advance transaction amount (whichever is higher)

plus allcharges passed on by frre acquiring bank.

Rs.l,000/-

Upto Rs.250/. per document

Upto RS.S00I. per document

Upto 0.60% of total monthly outstanding balance

Rs.6frlF pr month

Rs.300l-permonth

Rs.200l- per month

Rs.355[ pa month

Rs. 75/'prmonth

28

s.# lTEits RATES GL CODE

19

17

18

23

21

25

2A

21

22

I i-Plan

I Processing fee

I

I nrepayment chargesI

I

I i.oiat

I Processing fee

Prepayment charges

i€witchProcessing fee:

Prepayment charges:

Arbitration Charges for Disputed Tnnsactions

Card Replacement Fee

Cheque Return Chargest hsufficienr tunds

on Auto debit


Utility, Telco & Glub Bill Payments

i- educate

Processing Fee

3%Service fee marfiup tanslated into an APR of 36%p.a

Rs.250l-per request or upto Z%ot amount requested(uttrich ever is high)

Rs.1,000 or 5% of outstanding instalment balance

(whichever is higher)

3%Service fee rnarkup translated into an APR of36%p.a

Rs.250laer request or upto 2%oI amount requested

{whichever is higher}


{wltichever is higher}

l.83%Service fee markup tnnslated into an APR of 22/op.iRs.250l*er request or upto 2% of amount rcquested




US$ 500 or equivalent Pak Rupee

Upto Rs.500l-

Upto Rs.750[

Upto 3.5% on forcign tnnsastion after conversion into US$

and Sten billed into PKR to he customer inclusive of visa

charges and statement I cunency conyersion loss againsl

foreign transac{ion

Rs 251- per request

l.83%Service fee ma*up translated into an APR of22%p.a

Rs,250l-per request

3050101340

3050101350

3060601030

3050101220

3050101220

I

rnnnenrnrnl

ilofe;Al.l chargx are exclusive of govemmenl faxes and aresubl'ect to change in rate which witt be at thedbaefibn of the Bank and will b notifred to the cusfomer a ccordingly

*Ir[CBBank for Life

29

-nfCBBank for Life

'No $ages will be applied for upgndation of MCB LIIE

6

7

E

I

10

11

30301020/m

3030102100

30s0102070

1090803770

3030101770

3tx1070203{t

30917021flt

3030201120

303{t701030

3{13070115{t

3030101810

3030101E30

10908030s

3030101840

MCB LITE

Ac{ivation / Joining Fee

Annual Fee

Cash in I Deposit Fee lAt Branch)

Cash out / ttVithdrawal Fee

Upto Rs.25,000/-

Above Rs.25,000/-

ltfflich Everis higher

Air Time Purchase {www.mcblite.com}

Funds Transfer

Utllity Bill Payment flhrough ilobllc)

POS Transaction

IBFI Fee (Sending)

a) lBF[FeeSendirq (lntemet)

b) IBFI Fee Sending (ATM)

Card Replacement Fee

(a) Cad Replacement Fee

Balance hquiry

(a) Balance hquiry viaATM (ffF-US r\rlnet)

(b) Balance lnquiry viaATM (OFF-uS-tLink)

(c) lnternational Balance Inquiry

ATM withdrawals OFF-US

(a) ATM wiilrdrawals OFF-US (ltlnet)

(b) ATM withdrawals OFF-US (l.Link)

(c) ATit withdrawals $ntemational rsage)


Arbitration Charges

Statement Request (H ardcopy)


MCB LITE O ]TCB I.JTE 1 IICB LTTE 2

Upto Rs,1000 Upto Rs.1000 Upto Rs.1000

Upto Rs.1000 Upto Rs.1000 Upto Rs.1000

ATMCBATTII AT BRAI{CH *Rs.100 or1%

(Whichcvcr ir Higher)

Free

WALLET WAILET IO CORE BA}II(I}IG A/C

TO }VALLET ORE 8AT{I(11{6 A/C TO WAI.LET

Frec

Free

U$o Rs. fll pertransaction

Upto Rs, ll|(l perbarsaction

Upto Rs. 50{}l- Per transaction

Rs.4 F per transaction

Rs. 5l- per fansaction

Rs. 501- per transaction

Upto Rs, 10r- Pertrmsaction

Upto Rs, 1$. Pertransaction

Upto 2"75%. of amount or Rs.25{lf (whichever is higher}

Upto Rs. 2501- (locallRs.800l. $ntemational) per Docoments)

Upto US$ 500t or equivalent

Upto Rs. 351. {lnclusive of FED}

Z.Woon foreign tnnsaction aftel c0nve6i0n into

U5$ and then billed into PKR to the customerinclusive of visa charges and statemenucurrencyconversion loss against foreign transaciion

MCB eGate (e-Commerce / Online AcquirinMembership Fee

Merchant Setup Fee

Discount RateRefund/Charge Back Processingransaction Fee

Upto Rs. 55,0001 per merchant

Upto Rs. 4,5001 per month

Upto 3.50% per transactionUpto 4.78% per transactionUpto US 15 cents or eguivalent Pak Rupeesper transaction

30

--I-nfCB

-

Bank for Life

3030101740

3030101

3030101770

303010175{t

3030101820

1090803140

1090803f10

1090E03140

1090803110

3030101

t090803050

3t130101

MCB VISA PREPAID

Card lssuance (Nilfor load amount above Rs. 10,000)

Utility Bill Payment {per bill payment}

Card replacement

Annual Fee

Re Load Fee

Intemational usage

Balance inquiry at lUnkATils

Balance inquiry at tt{ETATtrls

ATM Mthdrawalsl link ATlls

ATll tTithdrawals {lll{ET}

ATM tTithdrawalr (lntemational)


Arbitration charges

Statement of account on request (hard copy)

Card Personalization fee

Freedom Liberty EasePackagel Package2 Package3

Upto 3% on foreign hansaction after converion into USg

and hen billed into PKR to the customer inclusive of visa

charges and statement / cunency convenion loss against

Upto RsJS{Vaer dooment (Locaf) a[ categoriesU pto Rs.StXl/-per document (lnt.) all cate godes

USI500 oreguivalent

Note:

All charges are per transaction. except for item (12)where charges are per doeument

31

--v-

I-N[CB

-

Bank for Life

3060601150

3060601150

3060601150

306060fi50

3060601150

306060fi50

306{1s01150

3060m1150

3060fl1115{r

30606011

30606011

303{1101180

3060702030

3060702030

3060702070

3030401010

306060f

CUSTODIAL SERVICESFor CDC eligible securities

i)lnitial Deposit Fee (one time charge)

ii) TransactionlSettlement Fee

iii) CustodylPosition Fee

ivlUYithdrawal Fee

vlPailicipation Fees

(one time charge)

vi) Documentation Fee for sub accountvii) Monthly Fee for sub account

viii} Requested statement Fee

ix) Communication/Mailing charges

x)Stamp Fee

For Physical Securitiesi) Setflement drarges per trade per security

including all corporate actions and registration,

iilCustody Charges

iii) Documentation, Communicationftlailing

and Stamp Fee

Rs.0.04 per share deposit fee to be charged rnonthly.

Rs.0.05 per share upto 70,000 shares

thereafter Rs.3,500 per settlement

CDC charges willbe applicable.

0.30% p.a over month end market value of shares.

Rs.0.40 per share/script to be charged at the time

of withdrawal.Rs,3,000/- for individuals

Rs.5,000/- for institutions

Rs.1,0001- osre time fixed

Rs.300/- for individuals

Rs.35l- per statement

Actualplus 5% of Actual

Actual

Rs.0.05 per share upto 70,000 shares,

thereafter Rs. 5,0001- per settlement

0.30% p,a. over month end market value sf share.

Actual

Itlofe:F-or individuals, tfiere is a minimun monthly charge of Rs.I,Mh if actual bitled amountis less fhanRs.I,O(Nh. In case actual is more fhan this figure,'the high6r amountwill be billed.

CONSUMER PRODUCTS

1% oi tlre loan amount or Rs.2,500/- whichever

is higher

Upto 10% of remaining principalamount


Upto 1% of remaining principal amount

Upto {0% of partialpaid amount

Upto 5% of partial paid amount

Upto 4% of parlial paid amount

10% of instalment

Upto Rs.500/-

Upto Rs.500l-

Free

Rs 5,000/- Non-refu ndable

(i) Personal Loans (PL)

i)Processing Fee

ii) Full Prepayment Fee:

a) lst Year *

b) 2nd.3rd year

c)4th & subsequent years of financing

iii) Partial prepayment Fee:

a) lst Year'b) 2nd.3rd year

c) 4th & subsequent years of financing

iv) Late payment charges

v) Banker's Cheque Reissuance charges

if lost by customer

vi) Balance confirmation certificates

vii) Duplicate half yearly statement

(ii) Student Personal Loans

i)Processing Fee

Afl other charges . prepayment, fate payment/

Bankerl Cheque rdssuan ce chargeJbdanceconfi rmation certifications/ duplicate hdf yerlystatements aewaived for Student Persond Loms,

32

lTEMSs,# RATES GLCODE

Rs 7,5001- Hon Refundabfe

(Rs.4,000/- in case of BTF)

AtActual

AtActual

AtActualAtActual

A,1% of estimated construction cost in case of house

and full martet value in case of apartment / flat


Upto 4% of remaining pincipal amount

Upto 3% of remaining pincipalamount

Upto l0% of remaining principal amount





Upto 3olool partial paid anrount

10%oI instalment

Upto Rs.50{V-

Upto Rs.500l-

Free

303010,l170

306070205{t

(iii) MCB Home Loan

i) Documentation charges

a )Processing Fee

b) Legal Stage ILegalStage 2

c) Income Estimation

d)Appraisal Fee

e) Propefi Insurance

ii) Full Prepayment Fee (non.BTF cases):

lst year *

2nd year

3rd and subsequent years of financing

iii) Full Prepayment Fee (BTF cases):

fst year

2nd year

3rd and subsequent years

of financing

iv) Partial Prepayment Fee:

Only afia compldion of fint calendaryear, up tolflr of the remalnlng outstanding will be ailowud as

hlloon paymenUpartid prepayment witrout any

charges. Any amount prepaid above l0% of oubtandingprincipal in a calendaryear oi prepayment in the firstyearwill have pepayment penalty charges as

below:

During lst year

2nd year

3rd and subsequent years offinancing(See note below)

vlLate payment charges

vi) knkeds Cheque Reissuance charges

if lost by customer

vii) Balance confirmation certifi cates

viii) Duplicate half yearly statement

IJI'OU'U'UJU

3060702050

F;;;;;

l***'*o

3030101210

Note:

A year is equal.to 12 instailments tom date of disbursal. A muimum of 2 partial prepaymenb are permissible in ayear at 6 months interval and the minimum amount for a partial prepayments should 5e equalto 6 monthty installments.

Rs.7,50& Non Refundable

(Rs.1,000F in case of BTF)

Rs.l,00$ or actualwhichever is higher

Rs,1,500/- or actualwhichever is higher

Rs.2,0001- or ac{uaf vltrichever is higher

Rs.1,5001- or actualwhichever is higher

(ivlBusiness Sarmaya {Running Finance)

i) Documentation Charges

a )Processing Charges:

b) LegalStage 1

Title Verification(if appf icable)

Legal Stage 2 (Professional Fee|

Lien fflarfiing Charges

-C--.-..E-

I-n[CB

-

Bank for Life

33

s.# ]tEilS RATES GLCODE


dlAppnisalFee

ii)Une Renewal charges

iii) Balance confi rmation certifi cates

(required by customer other than auditors)

iv) Banku's Cheque Reissuance charges

if lost by customer

v) Penal Markup rate after 45 days of default

vi) Late payment Charges

I Rs.5,000/- or actual whichever is higher

inr.lOOOt- or adualwhichever is higher

I

I

I

I Rs.10,000 or 0.25% of line limif wtrichever is higher.

I

I upto Rs.Soot-

Upto Rs.500l-

3% exba markup on outstanding principal balance

10% of instalment or Rs 1,000[ whichever is higher

Rs.7,500/- Non Refundable

(Rs.4,0001- in case of BTF)

Rs,2,5001- or actualwhichever is higher

Rs.2,000/- or ac{ualurtrichever is higher

Rs.5,000/- or ac{ual whichever is higher

Rs.3,0001- or ac{ualwhichever is higher

0.1% of loan amount










10% of instalment or Rs 1,000r. whichever is higher

Upto Rs.500l-

Upto Rs.500/-

13030101200

I

i3060601030

"t^nrnonrnl

(v) Business Sarmaya (Term Loan)

i) Documentation charges:

a) Processing Charges

b) LegalStage ILegalStage 2


dlAppraisal Fee

e) Property Insurance

ii) Full Prepayment Fee (non€TF cases)

lstyear'2nd year


iii) Fulf Prepayment Fee (BTF cases)

1st year *

2nd year

3rd and subsequent yearc

of financing


After completion of first calendar year, only l0%of the remaining outstanding will be allowed as

balloon paymenUpartial prepayment without any

charges. Any amount prepaid above 10% ofoutstanding principal in a calendar year orprepayment in the first year will have prcpaymentpenalg charges as below:

During 1st year

2nd year


{See note below}

v) Late Payment charges

vi) Bankels Cheque Reissuance charges

(if lost by dealer)

vii) Balance confi rmation certifi cates

{required by customer other than auditorc}

I

3030101180

Itlolei llaximum 2 partial repaynentin ayerrr allowed witfi 0 monlhs intervat,

(vi) Car4U (Auto Finance/Lease)

U pto Rs.4,500[ non-refu ndable

Upto Rs.5,000[ nonrefu ndable

l{ew Car

Used & lmported Gar

ilProcessing Fee

a

--lrfCB

-

Bank for Life

34

*nfCBBank for Life

ii) Full Prepayment Fee:

lst year'

Znd year

3rd year and all subsequent years offinancing

iiilFull Prepayment Fee(3 months Instalment

Defened Product)

lst year *

2nd year



lst year *

Znd year


v) Repossession charges

vi) Late payment charges

vii) Income estimation charges

viii| Balance confirmation certifi cates

(required by customer otherilran auditorc )

ix) Vehicle evaluation/ParkingAegal Charges

r) t{00 for lien removal afler I month of case'settlement

xi) !0C for lssuance of Duplicate Registration'Book

xiii) Vehicle Appraisal charges for new applicants

(where applicable)

riv) Duplicate half yearly statement






Upto 3% of remaining pincipal amount




AtActual

10% of instalment

AtActual

Rs.500/-

Upto Rs.10,000r-

Free

Free

AtActual

Free

3060601

3030101010

3060601

3060601

3060601030

3060601

* A year is equal to 12 instalments from date of disbursal

*A maximum of 2 partialprepayment.qte permissible in a yearat 6 months intervaland the minimumamount for a partial prepapbnf should bd equal io6 monthlv initilmintC-

35


I

I

2

3

4

FEE REDUCTION GRIDSERVICE CHARGES ARE REDUCED TO A IIINIIIU iI CHARGE PER SERVICE, IN THE FOLLOWING CASES

ilaximum l0transactions per

monh In

all cases for Rs.ll- persewice

I n divi dua lslJoint Accountd Proprietorship, Partrenh i p

\ttere averageprwioug montr balance ofRs.2ttl in allprofit bearing account (except 365 Gold)Rs.0.51t in CunentA/c365 Gold A/c at Rack Rate Rs5ll and in Foreign CunencyAccount. $ 20,000 or equivalent

Stop Payment

lssuance of Bankers Cheques, TT (LCYI

Balance confirmation cettifi cateDuplicate statement of Account

5{l% discount on locker rental - {no minimum charge}

tofa:Ihese reductions will also be applicablelo cuslomerc having avenge balance utilintion ofRs.25[f (avenge annual bahnce) for lending cusfomers.

Drscounl on locker is subpcl to avaihbility atthe account residlng branch.

MCB Business Account PRE\JIOUS TOIfi}IAYERAGE BATAI{CE I}I TcB il'$IESS ACCOT'ilT

100K and above

U n I i mited fransac'tio n s

U n I i mited transactio n s

U n I i mited bansac'tio n s

15

Unlimited

One 50 Leaves / per Month

Unlimited

Free

Interci$ deposits (per month)

lntercity withdrawals (per month)

I ntercity Tra nsfer (Accou nt-to-Acco unt)

Bankefs Gheque (per month)

Cancellation of Banker's Cheque

Gheque Book

Duplicate Bank Statement (last 6 month)

eStatement

Nofe;Fixed charges of Rs. 1/- + FED (as fee against bundled seruices) will be applicable on

eligible MCB Eusrness accounts on monthly basis.

I

Minimum Balance requircment. PKR 2.5 M in Sav

These chargedprivileges are valid for privilega qstomers r

discretion.O,therthan the charge reduc{lon listed below, atl

Minimum Charges of Rs.l/- ol equivalent (|n case of FCY A/c) t

-AnnuallJoining feeVisa Credit Card I

-AnnualChip maintenance FeeVisa Credit Card I

'Annualsupplementary Fee-Visa Credit Card I.Annual Supplementary Ghip llaintenance FeeVisa Credit Card I.Chequebodt lssuance

I.Bankers Gheques

I. lntercity t'tlithdrawals

I50o/o Reduction for Privilege Customers:

IAutoloan Processing Fee I[fortgages Processing Fee

I

_]MGB Visa Platinum Gredit Card I

ing orTerm Deposit orPKR I ll in CunentA/c.

naintaining tha required balance and subjact to change at bank's

oher charges will be applicable as stated In the SOBC.

rcr service to be recovered from Privilege Accounts holders for:

- Stop Payment of Cheque- Standing Instructions. Banker's Cheque Cancellation (For PKRAIc Only)- Duplicate Statements- Same Day Clearing charges- Priori$ Pass furnual Fee

- Intercity Deposits

l

50% off I

50% off I

s0% off I

4atinum Credit Card chip maintenance fee {customers whoilready have ilGB Visa Card incfuding ilCB staff)

4atinum Gredit Card chip maintenance fee (MCB staff withICB Visa Card]

l$inimum Charge for Rs.1/- (miwr is sulriact to Division Haed Approvd]

to be recovered till cornple0on of current annivercary ofexisting ltfCB Visa

75% waiver on chip mainterance ftorn second year onwards onbasic card

*nfcBBank for Life

36

s.# rTEi,S RATES GLCODE

5

6

7

Platinum credit card chip maintenance fee (ttlCB Staff only

new issuance)

Annualfee for ftior$ Pass as wellas chip maintenance

fee of Platinum credit card for Pdvilegc Banking

Customers Chari$ Fund Collecfion atATlt

75% fee waiver on basic card

ilinimum Gharge of Rs.ll to be recovered

ilinimum Charge of Rs.ll- to be recovered

I

lMotherland AccountsIA minimum charge for Rs,l/- per serviI

l{BTcharges on withdrawal

]

| -lssuance of first cheque book

I

| -10 Banker's Cheque and Online Transfers{p.a.}

I

| -Annual Fee on First ATH Card {Firct year only}

I A minimum charge for Rs.l/- per service, to bI

| -tloney Transfer under general permisslon or specific

I

I approval of SBP or ftom Foreign Cunency A/c

I

j (ufto US $ 1,000t- or equivalentlper annum from branc-tr I

i S* his/her salary alc maintained. In case Sre FCYA/c

I

ffi ;i.l,i#tffi ,n:'ff $Iffi H,":ffi |

per annum is to be sougfrt and placed on record by I

raspeaiva branch. I

€ross Brandr Transac{ion and Bank Instrument {s} |-Banker's Cheque

I

IOupllcate slatement of Alc

I-lssuance of Cheque Books All Alcs (Nar or In lieu of fost)

|

€top Payment Chargx onAllA/cs I

-Debit Card -Siher, col4 cold Plus (lssuance/AnnuCJRenaU fle)l

:::ffiH:T:es(Debi'[card) |

*lh:ffiH;:::" I

'-l-ocker iledium Size - Rs.1.000/. peranrufi (Formc,*,rar1*l

'-Locker Large size Rs.2tXl0l- per annum ( For one locker) I

#ffffiTfffi**.-o_,,,,*l{tCBLin$#nentReuedFee

I

OSPs (oursou*cro senvrces pnolnoensil

A minimum charge for Rs.l[ per servioe, to be recovered fi

Service Providen (OSPs) providing Services to the ltCB B

-lssuance of Cheque Books AllAlcs (New or in lieu of losg I

:HHlHf;H;ffif,5:H'3ffi:lmrec)l-MCB lrobileAnnualFee

I-lTcts tjteAdhdim *ff

5* nclnu a ncn*anal reO

I

ce, to be recovered for the following items:

e recovered fiom the staff, for the following items:

om allstaff working with 0utsourced

anlq including circular No, POlFCGlGENlllz Dated 2lJune2010

IVotes:

'a) No security OlA of Key lleposit on Locfterc

'b) Ane Locher only on reduce ratec) Whercv* applicable, all levies by the Government flaxes / Etcise Duty / With-holding Tax I FED etcJ arc to bcrecovered from the cusfomers ln addition to Chargx mentioned in this document unless othentise specfied.

d) The applicabtltty of any of the charges mentloned ln this document is pad of the -fotat Eamlngs'from the cusbrnenthence may vary trom custotner b customer 0ased on tfte cotnblnatlon of yoducts/senrices availd from the Banh andcorrespondingly &e nbls assoclbted with each customer.e) Certain products of the Bank may ofrer eremptions from charges as per tieir features and terms & conditions.

*lrfCBBank for Life

37

June 2015 - MCB Bank

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Transcript of June 2015 - MCB Bank