alfalah soc jan-june2013

7/27/2019 Alfalah SOC Jan-June2013

1/20

BANKALFALAHLIMITED

ScheduleofBankCharges

III. FINANCES/ADVANCES

A ADVANCES

1.a) Projectexamination/TermLoanDueDiligencefee 1.5%ofprojectfacilityrequestedOrasarrangementapprovedby

SanctioningAuthority.

1.b) InterimReview/ProcessingFee Rs.3,000(flat)

1.c) NewFacilityInitiation/RenewalofFacility(whereapplicable) If a limit is primarily approved for a group where its group concerns are

allocated sublimits then the processing charges should be taken only

oncei.e notforeachcompany.

i) Corporateborrower upto0.01%ofSanctionAmount(tobedecidedbythelineGroupHead)

ii) SME/Commercialborrower Newfacility/Enhancement

uptoRs.4.999M Rs.3,000

fromRs.5MtoRs.9.999M Rs.4,000



aboveRs.100M Rs.16,000

orasapprovedbythelineGroupHead.

RenewalsatExistingLevel

uptoRs.10M Rs.3,000

uptoRs.50M Rs.4,000

uptoRs.100M Rs.6,000



iii) OTT/EOLs uptoRs.19.999M Rs.3,000




1.d) CommitmentFee/upfrontfees 0.50% 1.00%(onsanction/renewal)orasperthearrangement

approvedbysanctioningauthority.

1.e) Legal&Administrationfee(Wherelegaladviseiso bt ai ne d) A sperActual

1.f) MiscellaneousCharges(documents,evaluationofsecurity,and

maintenancethereof)

AsperActual

1.g) Replacementof

securities

(interim) i)

For

cash

/cash

equivalent

Rs.2,500

(flat)

ii)

ForothersecuritiesRs.5000(flat)

1.h) Tomarklienonsecuritiesnotissuedbyus Rs.500(ServiceCharges)

1.i) RegistrationofChargewithRegistrarofSecuritiesExchange

CommissionofPakistan.(SECP)

Actualchargesincurredbythebranch

1.j)LatepaymentofinstalmentsCommercialTF(IfTFistoberepaid

onAmortizationBasis)0.1%perdayoftheoverdueinstallmentamount

2. ChargesforAdvancesAgainstPledge/Hypothecation

2.a) GodownRent "AsperActual"

2.b) GodownStaffSalaries "AsperActual"

2.c)i) GodownInspectionChargeswheninspectioniscarriedoutby

BankStaff:

Withinmunicipalitylimitorwithinaradiusof10kmfromBranch "AsperActual"

Outside,municipalitylimits "AsperActual"

2.c)ii) GodownInspectionChargeswheninspectioniscarriedoutby

outsideagencies

2.c)ii(a) Whereinspectioniscarriedoutwithinthesamecity "AsperActual"

2.c)ii(b) Forinspectionofgodowns/stockslocatedoutsidethecityarea

(over35Km)

"AsperActual"

2.d) Otherincidentalexpenditure.(insurance,legal,etc) "AsperActual"

2.e) Collectionofcoupon(onGovernmentcertificatesissuedbyother

banks/savingcenters

under

lien

to

us)

Rs.1,000pervisitpersite

2.f) IssuanceofDeliveryOrdersagainstFinanceagainstImported

Merchandise,CashCreditandallgoodsunderpledge.(Where

applicable)

UptoRs.500/ orasapprovedbythelineGroupHead.

2.g) IssuanceofNOC(customer'srequest)onrequestof

customers/clientsforcreatingadditional/paripassu

charge/secondchargeontheirfixed/currentassetsforacquiring

furtherfinancefromotherBanks/FinancialInstitutions.

UptoRs10,000orasapprovedbythelineGroupHead.

2.hi) Temporaryfinancingduetononpaymentonmaturitydateof

acceptanceliability,overdueFATR/FIM/FAPC/FAFB,anyother

liabilityarisingoutofunarranged/forcedsituation

[email protected]/ per1000/ dailyproductsonthebillamountshall

bechargedORasapprovedbytheSanctioningAuthority.Markupon

overdueFE25FinancingtobechargedasperLIBOR+3%

2h.ii) PenaltyforlatepaymentofMarkup Fifteendaysbeyondtheduedatearegiventoservicemarkup.Should

themarkupnotbeenservicedwithinthosefifteendays,thenpenalties

asgivenaretobechargedattheflatrateindicatedonaperdaybasis

fortheentireperiodbeyondthegraceperiodduringwhichthemarkup

hasnotbeenserviced.Thisperiodwillnotincludethefifteenday

permissibleasgraceperiod.Incaseofpartialpaymentsrelevantslabas

perbalancedueshallbeapplicable.

Slab(markupdue) Penaltyperday

UptoRs.500,000 Rs.200/

b/wRs.500,001andRs.1,000,000 Rs.450/

b/wRs.1,000,001andRs.2,000,000 Rs.1,000/

b/wRs.2,000,001andRs.4,000,000 Rs.1,800/

b/wRs.4,000,001andRs.5,000,000 Rs.2,750/

AboveRs.5,000,000/ Rs.5,000/

2h.iii) PenaltyofLatepaymentofMarkuponExportRefinanceB il ls . F orallcasesotherthatERF15daysbeyondtheduedatearegivento

servicemarkup.ForERFCasesthelatepenaltywillstartfromthedate

ofmaturity/DuedateofERFordateofdebitofBankAccountbySBP

whicheverisearlier.Relexation/waiverofthispenaltytobeallowedby

sancationing authority.

2.i) BusinessCommitment&CompensatoryCommission If apartyfailstopassoncommittedbusinessinwritingwhilegettingthe

creditLinesanctionedinitsfavour,thebankreservestherightto

recovercompensatorycommission(everytimeof

renewal/extension)maximumattherateof1.00%, totheextentof

shortfallinbusinesssocommittedtoberoutedthroughusoras

approvedbysanctioningauthority.

2j) ECIBReport Rs40/ perreport(recoverableatthetimeofprocessingoffresh

facilitiesORatthetimeofrenewalORlimitenhancementORthrough

EOL&OTT)oratthetimeofRestructuring/Reschedulingofthe

facility.

JanJune2013

JanJune2013

ScheduleofCharges(ExcludingFED)


2/20

3 AlfalahKarobarFinance

i) Processingfee(UpfrontwithLAF) Rs.2,500/

ii) DocumentationCharges Actualcostofrevenueandspecialadhesivestamps

iii) LegalCharges ActualchargesoflawyersontheBank'sapprovedpanel

iv) Propertyvaluationcharges ActualchargesofvaluatorsontheBank'sapprovedpanel

v) Business&Financialappraisalcharges Rs.5,000/ (flat)

4. AlfalahMilkiatFinance

i) Processingfee(UpfrontwithLAF) Rs.7,500/ or0.1%oftheloanamount,whicheverishigher

ii) LatePaymentCharges Rs.200/ perdayafterbecomingoverdue

iii) DocumentationCharges Actualcostofrevenueandspecialadhesivestamps

iv) LegalCharges ActualchargesoflawyersontheBank'sapprovedpanel

v) Propertyvaluationcharges ActualchargesofvaluatorsontheBank'sapprovedpanel

vi) Business&Financialappraisalcharges AtActual

5. AlfalahQuickFinance

i) ProcessingCharges Rs.1000/ perapplication

ii) RenewalCharges Rs.500/ perapplication

iii) LatePaymentCharges Rs.200/ perdayafter15daysofbecomingdue.

6 EEZEEFinance

i) ProcessingCharges Rs.2,000/

ii) Renewal/EnhancementCharges Rs.1,000/

iii) LatepaymentCharges Rs.50/ perdaytoberecoveredfrom16thdayafterduedate

B. LeaseFinance(Asperthearrangementwiththecustomer)

Processingchargeswillberecoveredonceforthecomplete

leaseperiod.

i) FrontEndFee 1%ofLeaseAmountorasapprovedbythesanctioningauthority.

iii) DocumentationhandlingCharges/persanctionadvice Rs.3000/

iii) TerminationCharges

a)Terminationtakeplaceinthefirstyear 5%oftheprincipaloutstanding

b)TerminationtakeplaceintheSecondyear 5%oftheprincipaloutstanding

c)TerminationtakeplaceintheThirdyear 4%oftheprincipaloutstanding

d)TerminationtakeplaceintheFourthyear 3%oftheprincipaloutstanding

e)TerminationtakeplaceintheFifthyear 2%oftheprincipaloutstanding

orasapprovedbythelineGroupHead

NILchargesincaseofdamage/theftofleasedasset

(iv) CommitmentChargesforissuanceofBALletterofc om fo rt 0 .5 %percalendarquarterontheamountofLetterofComfort

(v) AdditionalLeaseRentals 0.1%perdayoftheoverduerentalamount

(vi) ChequeReturnCharges Rs.250/ percheque

C. AlfalahRuralFinance

i) ProcessingFee

a)UptoRs.1.0M Rs.1,000/

b)AboveRs.1.0MtoRs.3.0M Rs.2,000/

c)AboveRs.3.0MtoRs.5.0M Rs.5,000/

c)AboveRs.5.0MtoRs.10M Rs.10,000/

d)AboveRs.10M Rs.15,000/

ii) Projectexaminationfee Maximum0.5%oftheprojectfacilityrequested.Applicabletoproject

financingonlyundernonfarm/noncropsector.

iii) Commitmentfee 0.5%onunutilizedportionofsanctionedamount.ApplicabletoTF

iv) LegalCharges Actualchargesoflawyersonthebank'sapprovedpanel

v) Propertyvaluation Actualchargesofvaluatorsonthebank'sapprovedpanel

vi) DocumentationCharges Actualcostofrevenueandspecialadhesivestamps.

vii) Latepaymentchargesondelayedmarkupservicingaftergrace

periodofonemonthfromduedate(exceptingMarkupup

payablebyPDDC)

i) AmountofoverduemarkupuptoRs.50,000/ Rs.500/ permonthorpartthereof

ii) AmountofoverduemarkupexceedsRs.50,000/ upto

Rs.250,000/

Rs.1000/ permonthorpartthereof

iii) AmountofoverduemarkupexceedsRs.250,000/ Rs.2,000/ permonthorpartthereof

viii) a)Latepaymentchargesondelayedannualcleanup

b)Late

payment

of

instalments

(TF)

c)LateadjustmentofPaidawariZaraiSahulat"DF

d)LatepaymentofrentalsunderLF

ix) AlfalahPasbanCashLine

a)ProcessingCharges Rs.500/ perapplication

b)Renewal/EnhancementCharges Rs.250/ perapplication

c)LatePaymentCharges Rs.100/ perdayafter15daysofbecomingdue.

1%p.a.latepaymentchargestoberecoveredontheoverdueamount

fortheoverdueperiod atthetimeofcleanup/paymentofinstalment/

rental


3/20

TRADESERVICES

A. IMPORTS

1. LetterofCreditCommission

1.a) i) CashLetterofCredit

AnnualVolume FirstQuarter Eachsubsequentqtr

(calendaryear) (orpartthereof) (orpartthereof)

UptoRs.25M 0.60% 0.30%

uptoRs.50M 0.45% 0.25%

uptoRs.100M

0.30%

0.20%

aboveRs.100M 0.20% 0.15%

MinimumchargeRs.1,500/ OrasapprovedbytheCreditDivision.The

annualvolumeshallbeascertainedonthebasisoffirmcommitment

(pastrecord)whichshallbedocumentedintheFacilityOfferLetter.

Uponfailuretoroutethecommittedbusiness,customershallpaythe

balancecommissioninaccordancetotheslabthatisapplicabletothe

actualvolumerouted.Thebalancecommissionwillberecoveredatthe

timeofrenewaloffacilities

1.a) ii) LCstobeissuedagainst100%cashmargin Asperarrangementwiththecustomer

1.b) i) Letter of Credit under "Supplier Credit", PayAsYouEarn

Scheme and Deferred Payment Letter of Credits for period

overoneyear.

Commission at the time of opening of Letter of Credit at the rate upto

0.40% per quarter or part thereof upto final payment, Minimum

Rs.2,000/ Commission to be charged on full amount of Letter of Credit,

that is, liability plus interest payable thereon for the period from date of

opening of Letter of Credit till its expiry; thereafter, commission will be

recovered on quarterly basis on outstanding / reduced liability as per

revisedSchedule

of

Charges

applicable

as

on

date.

ii) In case of LG/Undertaking to be issued favouring NBP for

providing forward cover exchange risk under suppliers /

buyerscreditonbehalfofapplicant.

[email protected]%perannumonreducingliabilitybasisoras

approvedbythesanctioningauthority.MinimumRs.2,000/

1.c) RevalidationCommission OnexpiryofLCwhenthesameisvalidatedrevalidationcommissionwill

berecoveredasisapplicableforopeningfreshLCasabove.NILifthe

revalidationperiodfallswithinthequarterforwhichtheLCcommission

hasalreadybeenrecovered.

1.d) TransferofLetterofCredittonewbeneficiary WhenLetterofCreditistransferredtonewbeneficiary.Transfer

commissionwillbechargedasapplicableincaseofopeningfreshLetter

ofCreditas1.a)above.

1.e) LetterofCreditConfirmation/Cancellation

incasewherethechargesareonaccountofopener

Atactualincludingourincidentalcharges.

1.f) LetterofCreditCancellation Rs.1,500/ plusSWIFTCharges

1.g) NonreimbursableLettersofCreditunderBarter/Aid/

Loans

1stQuarter 1%perquarterorpartthereofMinimumRs.1,500/

SubsequentQuarter. 0.30%foreachsubsequentquarterorpartthereof.MinimumRs.2,000/

a)Rs.750perbilltobechargedatthetimeofretirementofbills.

1.i) i) Amendments Rs.1,000peramendment(flat)ii) Amendmentinvolvingincreaseinamountandon

extensioninperiodofshipment/negotiation

Rs.1,000pertransactionpluscommissionasperitem 1.a) 1.b)and1.f)

above.

1.j) FormIhandlingcharges Rs.25/ perform

2.

2.a) MarkuponImportBillsunderLetterofCredit

(OnDailyProductsfromthedateofnegotiation/Dateof

debitauthority)

Mark-up@ Rs.0.55/- per 1,000/- daily products on the bill amount from

the date of negotiation appearing on covering schedule/ value date,

wherever applicable OR as approved by the Credit Division.

2.b) MarkuponimportbillsunderUsanceLetterofCreditif

notpaidbytheimporteronmaturitydate

Mark-up@ Rs.0.60/- per 1,000/- daily products on the bill amount shall be

charged OR as approved by the Credit Division.

2.c) i) If100%MargininCurrentAccountisblocked NomarkuponImportBill

ii) Advanceremittancetosuppliersabroadagainstimports. 0.10%MinimumRs.1,000plusRemittancecharges

IncaseofremittanceagainstLC/contractnocommissionandonly

remmittancechargestoberecovered

3.

3.a) Handlingcharges Rs.1,000/ (flat)inadditiontocorrespondentchargesasrealized.

3.b) ReturnedUnpaid Rs.1,000/ inadditiontocorrespondentbankcharges

ImportBills(UndersightLetterofCredit)

ImportCollectionBills

AcceptanceCommission

IfbillsaretobedrawnatUsanceunderLettersofCredits

1.h)

BANKALFALAHLIMITED


JanJune2013

(b) Inaddition,commissionattherate0.15%permonthorpartthereof

tobechargedforanyperiodbeyondvalidityofLC.MinimumRs.500/.

However,nocommissiontobechargedifthematurity/paymentperiod

ofthebillsfallswithintheperiodforwhichLCopeningcommissionhas

alreadybeenrecovered.

Basedonvolumesduringacalendaryear/currencyof

limit(s)andarrangementwithcustomer/groupincluding

alliedaccounts.

'IncaseofrevolvingLCs,LCcommissionshouldbecharged

oneachshipment.

JanJune2013



4/20

4.

4.a) Contractregistrationforimport 0.10%MinRs.1,500/ orasapprovedbyCreditDivision.

4.b) HandlingCharges Rs.1,000/

5.

5.a) Postage Rs.150orActual.Whicheverishigher.

5.b) CourierService UptoRs1,250/ perapplication.

5.c) SWIFTMessagesi) FullTextofLettersofCredit Rs.1,500/

ii) BriefTextofLettersofCredit Rs.600/

iii) BriefText/FaxamendmentofLCs/cancellatio n Rs.500/

5.d) Obtainingcreditreportsonsupplierfromcreditrating

agency

AsperActualorRs.1000perreportwhicheverishigher.

5.e) CorrespondenceCharges,ifanywillberecovered. AsperActual

5.f) Servicecharges

against

import

transactions

i.e.

Import

bill

(PAD),UsancebillsunderLetterofCredits,collectionand

consignmentbasis.

0.1%flat

Min

Rs.750/

or

as

per

arrangement

as

approved

by

the

sanctioningauthority

5.g HandlingofdiscrepantdocumentspresentedunderL/C US$60(Tobedeductedfromtheproceedsofimportbillswhere

applicableortoberecoveredfromthepresentingbankifamountis

alreadyreimbursed).

5.h) Temporaryfinancingduetononpaymentonmaturitydate

ofacceptanceliability,overdueFATR/FIM/FAPC/FAFB,any

otherliabilityarisingoutofunarranged/forcedsituation.

[email protected]/ per1000/ dailyproductsonthebillamountshall

bechargedORasperthearrangementapprovedbytheCreditDivision

a)Commissiontobechargedwherenointerest/markupisrecovered

onPAD,orasperthearrangementapprovedbytheCreditDivision

b)IncasesubstantialdepositismaintainedinCurrentAccount,Bankcan

allowopeningofLCwithoutrecoveringanycharges,orasperthe

arrangementapprovedbytheCreditDivision

5.j) IssuanceofNOCtootherBanksforBookingForeign

ExchangeoreffectingremittanceunderourL/Cor

registeredcontract.

Rs.1,000/ perNOC

6 CLPProcessing

Charges,

where

LC

or

trade

related

limits

arebeingproposedonly

If a limit is primarily approved for a group where its group concerns are

allocated sublimits then the processing charges should be taken only

oncei.e notforeachcompany.

6a) Newfacility/Enhancement uptoRs.9.999M Rs.3,000




6b) Renewal uptoRs.19.999M Rs.2,500



orasapprovedbysanctioningauthority

6c) EOL/OTT Rs.2,000

Note

ImportonConsignmentBasis

Nomarkupwillbechargedonimportbillif100%cashmarginisdepositedinnonprofitbearingaccountatthetimeofopeningof

LetterofCredit.Markup willalsonotbechargedif100%cashmarginisdepositedinnonprofitbearingaccountbeforethedateof

negotiation.Cashmarginheldbythebranchlessthan100%willbeignoredforthepurposeofchargingmarkuponbillamountfrom

thedateofnegotiationtillthedateoflodgement.However,proportionaterebateonmarginamountwillbeallowedwhile

calculatingmarkupfromthedateoflodgementtillthedateofretirement.

5.i) NonInterestbasedLCtransactions

OtherCharges

Bankreservestherighttochangetherateofmarkupatanystage,subjecttotheratenotexceedingratesnotifiedbytheStateBank

ofPakistan

IncasetheLetterofCreditliabilityincreasesbyvirtueofexchangeratefluctuationand/orduetoutilizationof'Forward Cover'

Facility(bythecustomer),bankreservestherighttorecoveraboveLetterofCreditcommissiononincreasedliabilityfortheun

expiredLetterofCreditperiod.

ChargesmaybecollectedinPakRupeeorForeignCurrencyinallcategories


5/20

BANKALFALAHLIMITED


I TRADESERVICES JanJune2013

B. EXPORT

1.

1.a) Advising Rs.1000(flat)

1.b) Amendment Rs.750perAmendment

1.c) Confirmation 0.25%perquarterMinRs.1,000orasperarrangementapprovedbythesanctioningauthority

1.d) Transferof ExportLetterofCredit Rs.1,000/

1.e)L/Cpreadviceadvising Rs.1,000/

2.

2.a) Documentssenttootherbanksfornegotiationunder

restrictedLetterofCredit

Rs.1,000(flat)

2.b) ReimbursementpaymenttootherlocalbanksfromNon

ResidentPakRupeeAccounts/AsianClearingUnionaccounts.

Rs.1,000(flat)

2.c) NegotiationofRupeebillsunderExportLetterofCredit0.25%Minimum.Rs.500/ [email protected]/ dayRs.1000/ fromthedateofnegotiationtill

thedateofrealization

3.

3.a) Cleanfinancialinstruments Rs.200percollection

3.b) Documentary(onwhichbankdoesnotearnanyexchange

income)

Rs.400percollection

4.

4.a) ServiceChargesagainstexportdocumentssent oncollection

basiswherepaymentcoverisalreadyreceivedinBank's

ForeignCurrencyAccount/AdvancePayment.

Paisas.12PerRs.100/.MinimumRs.600/

4.b) ServiceChargesonResearch&DevelopmentSupport(RDS)

claimsofExporterfromSBP

Rs.1,000/ flatorasapprovedbyCreditDivision.

4.c) Discrepantdocumentscharges MinimumRs.2,000/

Maximum0.1%subjecttoceilingofRs.5,000/ pluscourierchargesorasperarrangement

approvedbyCreditDivision.

4.d) Cleandocumentscharges MinimumRs.1,000/

Maximum0.05%subjecttoceilingofRs.2,500/ pluscourierchargesorasperarrangement


4.e) Handlingfeeforfreightsubsidycases Rs.200/ (SubjecttochangebyEPB)

4.f) Exportdevelopmentsurcharge HandlingFee Rs.80/ (SubjecttochangebyEPB)

4.g) LaterealizationNegotiation(Sight) If [email protected]/ perdayistobe

chargedforanydelaybeyond12daysorasperarrangementsapprovedbyCreditDivision.

4.h) LaterealizationNegotiation(Usance) If [email protected]/ perdayistobe

chargedforanydelaybeyondthreedaysfromthedateofmaturity

4.i) LaterealizationofExportproceedsagainstNegotiation/

purchase/discounting(sight

bills)

in

FE

25

Deposits.

IfproceedsarenotrealizedinourNostroaccountwithin12daysthenpenalty@Libor+4%is

tobe

charged

for

any

delay

beyond

12

days

or

as

per

arrangements

approved

by

Credit

Division.

4.j) LaterealizationofExportproceedsagainstNegotiation/

purchase/discounting(Usancebills)inFE25Deposits.

IfproceedsarenotrealizedwithinduedateinourNostroaccountthenpenalty@Libor+4%

istobechargedforanydelaybeyond3daysorasperarrangementsapprovedbytheCredit

Division.

4.k) Handlingchargesinlieuofexchangeearningswherean

exportersellsforeignexchangetosomeotherbankwhile

documentsweresentforcollectionthroughBAFL.0.10%,MinimumRs.1,000/

4.l) NOCissuingchargesforeachForm'E'. Rs.100/ perform

4.m) NOCforentitlementagainstEEstatement Rs.1,000/ perNOC

5.a) PenaltyofLatepaymentofMarkuponExportRefinanceBills. ForallcasesotherthatERF15daysbeyondtheduedatearegiventoservicemarkup.ForERF

Casesthelatepenaltywillstartfromthedateofmaturity/DuedateofERFordateofdebitof

BankAccountbySBPwhicheverisearlier.Relexation/waiverofthispenaltytobeallowedby

sancationing authority.

Note

Anychargesinrespectofexportbusinessotherthanabovementionedarenottoberecovered.

All

State

Bank

of

Pakistan

punitive

charges

relating

to

delayed

repatriation

of

fund

will

be

debited

to

Customer

Account

ServiceCharges


JanJune2013

ExportBills

LettersofCredit

Collections


6/20


C

1.a) Issuance (Traveller'sCheques)(ForeignCurrency) 1%onamountofTCssoldMinRs.200/

1.b) FCYCheques/

Drafts/TCs

sent

on

collection 0.20%

Min

US$

5plus

actual

postage

charges

(correspondent

bank

charges

willbeextra,ifany)

1.c) RegistrationofStudentCase $100firstyear,EveryRenewal$75plusapplicableremittancecharges

2. ForeignExchangePermits

2.a) FamilyMaintenance Rs.1,000pertransaction

2.b) StudiesAbroad Rs.1,000pertransaction

2.c) SBPapprovals forcapitaltransfers,dividends,freight Rs.1,500pertransactionplusremittancecharges

2.d) OtherApprovalsfromSBP Rs.1,500pertransactionplusremittancecharges

3. OtherCharges

3.a) Unpaid

Items Inward:

$12

and

Outward:

$10

or

Eqv.PKR

3.b) CorrespondentsCharges Actual(ifanywillberecovered)

3.c) Postage Rs.150orActual,whicheverishigher.

3.d) CourierService Rs.2,000/=orActual,whicheverishigher.

3.e) FullTextSwift Rs.2,000/=orActual,whicheverishigher.

3.f) BriefTextSwift Rs.1,000/=orActual,whicheverishigher.

BANKALFALAHLIMITED


JanJune2013

FOREIGNBILLSPURCHASED/COLLECTION



7/20


D INLANDLETTERSOFCREDIT

1.

1.a) Issuance 0.4%perQuarterorpartthereof.MinimumRs.1,500/ oras


1.b)i) Amendments Rs.1,000(flat)peramendment

ii) Amendmentinvolvingincreaseinamountandorextension

inperiodofdispatch/delivery/negotiation.

Rs.1,000peramendmentpluscommissionasperitemnumber.

1.a)above.

1.c) Advising Rs.1,000/ flatperLetterofCredit

1.d) AcceptanceCommission a)Rs.500(flat)perBillchargedatthetimeofretirementofbills.

b)Inaddition,commissionattherateupto0.125%permonthfor

anyperiodbeyondthevalidityofLetterofCredit.MinimumRs.500

1.e) ServicechargesonretirementofSight/Usancebills0.10%(flat)MinimumRs.750/ orasperthearrangementapproved

bytheCreditDivision

1.f) Confirmation/Cancellation IncaseofConfirmation0.25% perquarterorpartthereofMinimum

Rs.500IncaseofCancellationAsperactual

1.g) Discrepancychargesincaseofsight/usancebillsunderinland

L/c

Rs.1,000/ flat.

2.

2.a)Documentary 0.30%MinimumRs.750orasapprovedbytheCreditDivision.

2.b) Clean(includingcheques) 0.15%,maximumRs.5,000andMinimumRs.100forinstruments

drawnoncitieswhereBALhasabranch,forothercitiesMinimum

Rs.300.

NocourierchargesforchequessentoncollectiontoBanks

situatedinsameTehsil

3.

3a)i) DocumentaryBillsotherthanthosedrawnagainstLetterof

Credit

0.45%MinRs.200/ plusmarkupfromthedateofpurchasetothe

dateofpaymentandcouriercharges

ii) Throughbranchesofourbank Asperarrangementwiththecustomer.

3.b)i) CleanBills/TradeCheques0.45%MinRs.200/ plusmarkupfromthedateofpurchasetothe

dateofpaymentandcouriercharges

ii) Throughbranchesofourbank Asperarrangementwiththecustomer.

3.c)i) PurchaseofUsanceDraftunderUsanceLetterofCreditUsualcommissionasat3(a)abovePlusmarkup/Markdownfrom

thedateofpurchasetillthedateofpayment:

ii) Markupifretiredupto21stday 46paisasperRs.1,000/ perday

iii) Markup

if

retired

during

next

210

days

55

paisas

per

Rs.1,000/

per

day

OrAsperarrangementapprovedbythesanctioningauthority

3.d) DividendWarrantsetc. 0.60%MinRs.50/

3.e) NegotiationatSight 0.25%MinRs.500/

3.f) CollectionChargesforUsanceBills 0.40%perbillMinRs.500/

4.

4.a) ReturningCharges:

i) DocumentaryBills Rs.400perbill

ii) CleanBills Rs.400perbill

5. OtherCharges

5.a) Collectionagentcharges. Asper Actual

5.b) Postage Rs.100

5.c) Telex Rs.500(full)

5.d) StorageCharges Rs.50perpackperday

Note

Other'outofpocket'expenseswillbechargedatactual

Collectingagentcharges,ifthecollectingbankisdifferent,willbeextra

BANKALFALAHLIMITED


JanJune2013

PurchaseofBills/Chequesetc.


Unpaiditems

Collection

LetterofCredit


8/20

II REMITTNACES JanJune2013

A

1.a) OutwardT.TthroughDebitofAccount US$25oreqvPKR plusSWIFTchargesUS$5oreqvPKR

"0.3%willalsobe applicableiftheamountisnotretainedintheaccountfor15

days.

1.b) DemandDraft

through

Debit

of

Account

US$

15

or

equivalent

PKR

+SWIFT

Charges

"0.3%willalsobe applicableifamountisnotretainedintheaccountfor15days

1.c) IssuanceofduplicateFDD US$10orequivalentPKRplusActualSWIFTCharges

CancellationofFDD/FTT/FMT US$10orequivalentPKRplusActualSWIFTCharges

StoppaymentofFDD US$5orequivalentPKRplusActualSWIFTCharges

1.d) Inward:

Ifproceedsarecreditedtoanaccountmaintainedwithus Nil

Others US$5orequivalent.

1.e) Receivedfromabroadorlocalbank'sbranches&wherepaymentis

demandedinForeignCurrency

MinimumUS$3 MaximumUS$6plusActualSWIFTchargesarerecoverablefrom

collectingbanktobedeductedfromtheproceeds

1.f) HomeRemittance Nil,ifproceedsarecreditedtoanaccountwithus

1.g) Others Rs.50plusMoneyOrder/Telegramcharges

B REMITTANCES(Domestic)

PO/ManagerCheque

for

A/c

Holders:

Rs.75upto ofRs.1M

AboveRs.1M Free

ForNonA/cHolder:0.2%orMinimumRs.1,500/.

DD(DemandDraft)

orA/cHolders:

Rs.75upto ofRs.1M

AboveRs.1M Free

ForNonA/cHolder:0.2%orMinimumRs.1,500/.

POforpaymentoffees/duesinfavourofeducationalinstitution,HEC/Board

etc.

0.50%offees/duesorRs.25perinstrumentwhicheverisless

1.b) CancellationofPayOrder

StopPaymentofPayOrder

Rs.200(flat)

Rs.300(flat)

1.c) IssuanceofDuplicatePayOrder Rs.200(flat)

1.d) IssuanceofDrafts,MTs,&TTs

1.d(i) Drawnonus: (Courier/PostagechargesarenotapplicableincaseofissuanceofDD/MT/TT)

Above

Rs.1

Million

Nil1.d(ii) Drawnonotherbanks:

i) UptoRs. 10,000 0.25% MinimumRs.50

ii) FromRs. 10,001 toRs. 100,000 0.20% MinimumRs.100

iii) FromRs. 100,001 toRs.1,000,000 0.10% MinimumRs.200

iv) FromRs.1,000,001 toRs.2,000,000 0.075%MinimumRs.500

v) OverRs.2,000,000 0.015%MinimumRs1,000

DDforpaymentoffees/duesinfavourofeducationalinstitution,

HEC/Boardetc.

0.50%offees/duesorRs.25perinstrumentwhicheverisless

1.e)i Cancellation ofDDs/TTs/MCs Rs.200(flat)percancellation

ii) IssuanceofDuplicateDD/MCs Rs.200(flat)peritem

iii) StopPaymentofDD/MCs Rs.300/ perinstrument

1.f) IssuanceofSBP/NBPCheque(ifpermissiblebySBP) Rs.500pertransaction

1.g) RTGSCharges

Mondayto

Friday 9.30

am

to

1.30

pm

Rs.

220/

1.30

pm

to

3.00

pm

Rs.330/ 3.00pmto4.00pm RS.550/

(SubjecttoTreasuryapproval)

Saturday 9.30amto11.30am220/

11.30amto12.30pm330/

(SubjecttoTreasuryapproval)

Note

BANKALFALAHLIMITED


INWARD/OUTWARDREMITTANCES(Foreign) ANDCHEQUEPURCHASE

IfaPartyMaintainingAverageMonthlyBalanceofRs100,000inaCurrentAccount,NochargeswillbedeductedfortheissuanceofPO,DD,MCsandTTdrawnon

anyBankAlfalah'sBranch.

JanJune2013


1.a) PayOrder


9/20


IV CONSUMERBANKING

A VISA/MasterCard

1 CreditCardOperations

(i) ServiceFee 3.33%Permonth(40%APR)onCashAdvance

3.33%permonth(40%APR)onRetailTransactions

2%permonth(24%APR)onBTFTransactions

1.75%permonth(21%P.A.flatrate)onSBSTransactions(APR

31.50%to40.86%)

SBSFactors&APRdetails:

instalmentPlan Factor APR

3months 0.3508330 31.50%

6months 0.1841670 36.00%

9months 0.1286110 37.80%

12

months

0.1008330

38.77%

18months 0.0730560 39.79%

24months 0.0591670 40.32%

30months 0.0508330 40.65%

36months 0.0452780 40.86%

0.99%permonth(11.88%P.A.flatrate)onBTFtoSBSTransactions

(APR17.82%to23.12%)

BTFtoSBSFactors&APRdetails:


3months 0.343233 17.82%

6months 0.176567 20.37%

9months 0.121011 21.38%

12months 0.093233 21.93%

18months 0.065456 22.51%

24months 0.051567 22.81%

30months 0.043233 22.99%

36months 0.037678 23.12%

24%APRonCreditonPhonetoSBSTransactions

CreditonPhonetoSBSFactors&APRdetails:


3months 0.34675 24.00%

6months 0.17853 24.00%

9months 0.12252 24.00%

12

months

0.09456

24.00%

18months 0.06670 24.00%

24months 0.05287 24.00%

30months 0.04465 24.00%

36months 0.03923 24.00%

(ii) LateFee: Rs.1,000or10%ofminimumamountwhicheverishigher

(iii) MerchantDiscountCharges Upto5%ofTransactionamount

(iv) VisaMinicardFee Rs.500/ percard

(v) CashWithdrawalFee:

a) Cashadvancefee/Call&Payfee: Rs.750/ or3%ofcashadvanceamountwhicheverishigher.

b) Acquiringbankcharges 1%ofcashadvanceamount

c) Counterfeeofothercards 1%ofcashadvanceamountorRs.300whicheverishigher

(vi) Cheque/Cashpickupfee: Rs.200/ (availableincitieshavingBankAlfalahbranches)

(vii) Overlimitfee: 2%OftheoverlimitamountorRs.1,000/ whicheverishigher

(viii) Voucherretrievalfee: LocalRs.350/ andinternationalRs.800/

(ix) Cardreplacementfee/UpgradeFeeexcept

PlatinumCardUpgradationFee

Rs.500/

(x) Chequereturncharges/RejectedAutopay

servicefee

Rs.800/

(xi) StepbyStep/CreditonPhonetoSBS

processingcharges

Rs.500or2.5%oftransactionamountwhicheverishigher

(xii) StepbyStep/CreditonPhonetoSBS

prematuresettlementcharges

5%onbalanceamountorRs.1000whicheverishigher

(xiii) CreditCover

Premium 0.55%

of

outstanding

amount

(xiv) Utilitybillpayment Rs.25/ perutilitybill(throughATM)

Rs.30/ perutilitybill(Below5,000throughCall)

Rs.50/ perutilitybill(Above5,000throughCall)

(xv) VisaPlatinum/TitaniumPriority PassFee:

a) AnnualFee US$10.00

b)AirportloungeVisitFee US$31.80pervisit

(xvi) SMSAlertFee Rs.50/ permonth

(xvii) MobileBankingFee Rs.100/ permonth

(xviii) MerchantCashAdvanceIncentive Rs.25/ pertransaction

(xix) MobilePINissueCharges Rs.10/ perPIN

(xx) Foreigntransactions Upto5%overprevailingmarketrateorasperSBPdirective.Third

currencytransactionswillbefirstconvertedintoUSDollarsasper

ratequotedunderarrangementwithVisaandMasterCard.Cross

bordertransactionfeewillalsobechargedasperVisa/MasterCard

rules

(xxi) ArbitrationCharges US$500/

(xxii) InsuranceCancellationCharges Rs.100/

(xxiii) PlatinumCardIssuanceFee Rs.2,000/

(xxiv) PlatinumSupplementaryCardIssuanceFee Rs.1,000/

(xxv) PlatinumCard

Upgradation

Fee Rs.

1,500/

(xxvi) PlatinumSupplementaryCardUpgradationFee Rs.1,000/

(xxvii) InternetCharges Rs.100/ (Persession)

(xxviii) RewardPointBookletCharges Rs.300/ (PerBook)

(xxix) VirtualCardIssuanceFee Rs.100/

(xxx) BTFProcessingFee Rs.500or2.5%oftransactionamountwhicheverishigher

(xxxi) DirectDebitEnrollmentFee Rs.200

(xxxii) ChipMaintenanceFee(PerYear) Classic(Basic) Rs.750

Classic(Supplementary) Rs. 500

Gold(Basic) Rs.1,000

Gold(Supplementary) Rs.750

Platinum(Basic) Rs.1,500

Platinum(Supplementary) Rs.1,000

Titanium(Basic) Rs.1,250

Titanium(Supplementary) Rs.800


JanJune2013

JanJune2013


10/20

2 AWAMIVISA/MASTERCARD

(i) ServiceFee 3.33%Permonth(40%APR)onCashAdvance

3.33%permonth(40%APR)onRetailTransactions

2.00%permonth(24%APR)onBTFTransactions

1.75%permonth(21%P.A.flatrate)onSBSTransactions(APR

31.50%to40.86%)

SBSFactors&APRdetails:


3months 0.3508330 31.50%

6months 0.1841670 36.00%

9months 0.1286110 37.80%

12months 0.1008330 38.77%

18months 0.0730560 39.79%

24months 0.0591670 40.32%

30months 0.0508330 40.65%

36months 0.0452780 40.86%

0.99%permonth(11.88%P.A.flatrate)onBTFtoSBSTransactions

(APR17.82%

to

23.12%)

BTFtoSBSFactors&APRdetails:


3months 0.343233 17.82%

6months 0.176567 20.37%

9months 0.121011 21.38%

12months 0.093233 21.93%

18months 0.065456 22.51%

24months 0.051567 22.81%

30months 0.043233 22.99%

36months 0.037678 23.12%

24%APRonCreditonPhonetoSBSTransactions Credit

onPhonetoSBSFactors&APRdetails:


3months 0.34675 24.00%

6months 0.17853 24.00%

9months 0.12252 24.00%

12months 0.09456 24.00%

18months 0.06670 24.00%

24months 0.05287 24.00%

30months 0.04465 24.00%

36months 0.03923 24.00%

(ii) LateFee Rs.500/ or10%ofminimumamountwhicheverishigher

(iii) MerchantDiscount

Fee Upto

5%

of

transaction

amount

(iv) CashWithdrawalFee

a)Cashadvancefee/Call&Payfee Rs.400/ or3%ofcashadvanceamountwhicheverishigher

b)Acquiringbankcharges 1%ofcashadvanceamount

c)Counterfeeofothercards 1%ofcashadvanceamountorRs.300/ whicheverishigher

(vi) Cheque/Cashpickupfee: Rs.200/ (availableincitieshavingBankAlfalahbranches)

(vii) OverLimitFee 2%oftheoverlimitamountorRs.500/ whicheverishigher

(viii) Voucherretrievalfee: LocalRs.350/ andinternationalRs.800/

(ix) Cardreplacementfee/UpgradeFee: Rs.250/

(x) Chequereturncharges/rejected.Autopay

servicefee

Rs.400/

(xii) StepbyStep/CreditonPhonetoSBS

processingcharges

Rs.500or2.5%oftransactionamountwhicheverishigher

(xiii) StepbyStep/CreditonPhonetoSBS

prematuresettlementcharges

5%onbalanceamountorRs.1000whicheverishigher

(xiv) CreditCoverPremium 0.55%ofoutstandingamount

(xv) Utilitybillpayment Rs.15/perutilitybill

(xvi) SMSAlertFee Rs.50/ permonth

(xvii) MobileBankingFee Rs.5/ pertransaction

(xviii) MerchantCashAdvanceIncentive Rs.25/pertransaction

(xix) DocumentationFee Rs.500/

(xx)MobilePINissueCharges Rs.10/ perPIN

(xxi)Foreign

transactions 5%

over

prevailing

market

rate

or

as

per

SBP

directive.

Third

currency

transactionswillbefirstconvertedintoUSDollarsasperratequoted

underarrangementwithVisaandMasterCard.Crossborder

transactionfeewillalsobechargedasperVisa/MasterCardrules

(xxii)ArbitrationCharges US$500/

(xxiii) InsuranceCancellationCharges Rs.100/

(xxiv)RewardPointBookletCharges Rs.300/ (PerBook)

(xxv)BTFProcessingFee Rs.500or2.5%oftransactionamountwhicheverishigher

(xxvi)DirectDebitEnrollmentFee Rs.200

JanJune2013


11/20

3 CORPORATECREDITCARD

(i) Servicefee: 2%permonth(24%APR)onCashAdvance

2%permonth(24%APR)onRetailTransactions

(ii) LateFee: Rs.1,000or10%ofminimumamountwhicheverishigher

(iv) CashWithdrawalFee:

(a) Cashadvancefee Rs.750/ or3%ofcashadvanceamountwhicheverishigher.

(b) Acquiringbankcharges 1%ofcashadvanceamount

(v) Cheque/Cashpickupfee: Rs.200/ (availableincitieshavingBankAlfalahbranches)

(vi) Overlimitfee: 2%OftheoverlimitamountorRs.1,000/ whicheverishigher

(vii) Voucherretrievalfee: LocalRS.500/ andinternationalRs.1,000/

(viii) Cardreplacementfee: Rs.2,000/

(ix) Chequereturncharges/RejectedAutopay

servicefee

Rs.1,000/

(xi) CreditCoverPremium 0.55%ofoutstandingamount

(xii) Utilitybillpayment Rs.25/ perutilitybill(throughATM)



(xiii) PriorityPass

Fee:


b) AirportloungeVisitFee US$31.80pervisit

(xiv) SMSAlertFee Rs.50/ permonth

(xv) MobileBankingFee Rs.100/ permonth

(xvi) MerchantCashAdvanceIncentive Rs.25/ pertransaction

(xvii) MobilePINissueCharges Rs.10/ perPIN

(xviii)Foreigntransactions Upto5%overprevailingmarketrateorasperSBPdirective.Third




rules.

(xix)ArbitrationCharges US$500/

(xxii) InternetCharges Rs.100/ (Persession)

(xxiii) RewardPointBookletCharges Rs.300/ (PerBook)

(xxiv) VirtualCardIssuanceFee Rs.100/

(xxv) AnnualFee 1to5cards 2,500/percard

6to10cards 1,500/percard


16andabovecards 750/percard (Noannualfeetobechargedin

theyear,whereCardIssuanceFeeorCardRenewalFeehasbeen

charged)

(xxvi) CardRenewal

Fee 1

to

5cards

2,500/

per

card



16andabovecards 750/percard

(xxvii) CardIssuanceFee




16andabovecards 750/percard

(xxviii) DirectDebitEnrollmentFee Rs.200

(xxix) ChipMaintenanceFee(PerYear) Rs.750/ forPrincipalMember, Rs.500forSupplementaryCard

4 PREPAIDCARD

4a GIFT/VIRTUAL/TRAVEL/REMITTANCE CARD

i) CardIssuanceFee Rs.100/

(ii) Cardreplacementfee: Rs.200/

(iii)Voucherretrievalfee LocalRs.350/ andInternationalRs.800/

(iv) CashWithdrawal

a)FromBankAlfalah'sATM NIL

b)From1LinkmemberbankATM Rs.15/ pertransaction

c)FromMNETATM Rs.15/ pertransaction

d)From

Visa

member

bank

ATM Rs.300

or

3%

of

cash

withdrawal

amount,

whichever

is

higher.

e)FromNonBankAlfalah'sPOSM achi ne R s. 30 0or3%ofcashwithdrawalamount,whicheverishigher.

(v) BalanceEnquiry:


b)From1LinkmemberbankATM NIL

c)FromMNETATM Rs.5/ perenquiry

d)FromVisamemberbankATM Rs.25/ perenquiry

(vi) MobilePINissuanceCharges Rs.10/ perPIN

(vii) SMSAlertFee Rs.50/ permonth

(viii) MerchantCashAdvanceIncentive/calland

payfee

Rs.25/pertransaction

(x) Acquiringbankcharges 1%ofcashadvanceamount

(xi) Chequereturncharges/rejected.Autopay

servicefee Rs800

(xiii) Utilitybillpayment Rs.25/ perutilitybill(throughATM)



(xiv) ReloadFee Rs.100/

(xv) InternetCharges Rs.100/ (Persession)

(xvi) ChequeBookIssuanceCharges Rs.300/

(xvii) Foreigntransactions Upto5%overprevailingmarketrateorasperSBPdirective.Third



bordertransaction

fee

will

also

be

charged

as

per

Visa/MasterCard

rules

(xviii) ArbitrationCharges US$500/

JanJune2013

JanJune2013


12/20

4b PAYROLL/MERCHANTCARD

i) CardIssuanceFee NIL

(ii) Cardreplacementfee: Rs.200/

(iii)Voucherretrievalfee LocalRs.350/ andInternationalRs.800/

(iv) CashWithdrawal


b)From1LinkmemberbankATM Rs.15/ pertransaction

c)FromMNETATM Rs.15/ pertransaction

d)FromVisamemberbankATM Rs.300or3%ofcashwithdrawalamount,whicheverishigher.

e)FromNonBankAlfalah'sPOSM achi ne R s. 30 0or3%ofcashwithdrawalamount,whicheverishigher.

BalanceEnquiry:



c)From

MNET

ATM Rs.

5/

per

enquiry

d)FromVisamemberbankATM Rs.25/ perenquiry

(vi) MobilePINissuanceCharges Rs.10/ perPIN

(vii) SMSAlertFee Rs.50/ permonth

(viii) MerchantCashAdvanceIncentive/calland

payfee

Rs.25/pertransaction

(x) Acquiringbankcharges 1%ofcashadvanceamount

(xi) Chequereturncharges/rejected.Autopay

servicefee Rs.800

(xiii) Utilitybillpayment Rs.25/ perutilitybill(throughATM)



(xiv) InternetCharges Rs.100/ (Persession)

(xv) ChequeBookIssuanceCharges Rs.300/

(xvi) Foreigntransactions Upto5%overprevailingmarketrateorasperSBPdirective.Third




rules

(xvii) ArbitrationCharges US$500/

5 DEBITCARD:

(i) CardIssuancefee:

a)SupplementarycardIssuance/Renewalf ee R s500

b)SupplementaryRoyalPlatinumDebitCards

Issuance/RenewalFee

Rs.1000/

c)SupplementaryAlfalahKarobarFinance

DebitCardsIssuance/RenewalFee

Rs.750/

(ii) a)BasicCardreplacementfee: Rs.500

b)RoyalPlatinumDebitCardsreplacementfee Rs.1000/

c)AlfalahKarobarFinanceDebitCards

replacementfee

Rs.750/

(iii) Voucherretrievalfee LocalRs.350andinternationalRs.800

(iv) Cashwithdrawal:


b)From1LinkmemberbankATM Rs.15/ pertransaction.

c)FromMNETATM Rs.15/ pertransaction.

d)FromVisamemberbankATM Rs.300or3%ofcashwithdrawalamount,whicheverishigher.

e)FromBankAlfalah'sPOSMachine NIL

f)FromNonBankAlfalah'sPOSMac hi ne R s. 300or3%ofcashwithdrawalamount,whicheverishigher.

(v) BalanceEnquiry

:



c)FromMNETATM Rs.5/ perenquiry

d)FromVisamemberbankATM Rs.25perenquiry

(vi) ThirdPartyTransfersFee

a)InterBankFundsTransfer Rs.50/ pertransaction

b)InterBranchFundsTransfer Rs.50/ pertransaction

vii) SMSAlertFee Rs.50/ permonth

viii) VirtualCardIssuanceFee Rs.100/

(xi) Utilitybillpayment Rs.25/ perutilitybill(throughATM)



(xii) PriorityPassFee:


b) AirportloungeVisitFee US$31.80pervisit

(xiii) AnnualFee Rs. 300/ perClassic /AKKDebitCardPerYear

Rs. 500/ perGold/AKFDebitCardPerYear

Rs.1,000/ perRoyalPlatinumDebitCardPerYear

(xiv) Foreigntransactions Upto5%overprevailingmarketrateorasperSBPdirective.Third




rules

(xv) ArbitrationCharges US$500/

JanJune2013

JanJune2013


13/20

B AlfalahCarFinancing/ConsumerCarLease

Finance

i) Processing&documentationchargesper

application

Rs.4,500/

ii) Evaluationchargesofpreownedandimported

vehicles

UptothemaximumofRs.2,000/=(Costat actual)

iii) RegistrationServiceCharges UptothemaximumofRs.3,000/=

iv) PrematureTerminationCharges

12orlessinstallmentsremaining

13to24installmentsremaining



2%oftheprincipaloutstanding




v) Chequereturnorrejectedautopaycha rg es R s.500/

vi) Penaltyonlatepayment Rs.100perdayormaximumofRs.1,000permonthperinstallment

vii) Penaltyonlateinsurancepremium Rs.300/ permonth

viii) Vehiclerepossession

charges Actual

incurred

by

the

bank

upto

amaximum

of

Rs.

75,000/

ix) Surveychargesforrepossessedvehicle UptothemaximumofRs.2,000/=

x) Warehousechargesforrepossessedv eh icle R s.1,000permonth

xi) Comprehensiveinsurancecharges Costatactual

xii) Trackerinstallationandmonitoringcharges(if

installedbythecustomer)

Costatactual

xiii) TrackerManagementCharges(ifinstalledby

theBank)

Uptothemaximumof2%perannumofthevalueofthevehicle.

xiv) WaiverforemployeesoftheCompaniesin

Category"A"

Markupwaiverofupto1%belowstandardmarkupratesandupto

75%waiveronprocessingcharges

xv) WaiverforexistingAutocustomerssubjectto

satisfactoryrelationshipandrepaymentinAuto

finance

Upto1%belowstandardmarkuprates.

xvi) IncomeEvaluatorCharges(ifa pp li ca bl e) U pt othemaximumofRs.3,000/=

xvii) Specialpromotion/alliancewithauto

manufacturers

Markupwaiverofupto1%belowstandardmarkuprates.

C AlfalahHomeFinance

i) ProcessingFee

a)Upto Rs.1.0Million Rs.5,000/

b)AboveRs.1.0Million to Rs.5.0Million Rs.10,000/

c)AboveRs.5.0Million toRs.10Million Rs.15,000/

d)AboveRs.10Million to Rs.25Million Rs.20,000/

e)AboveRs.25MilliontoRs.50.00Million Rs.30,000/

ii)DocumentationCharges

AtActuals,includingstampduty,chargesforlegaldocumentation,

on siteinspectionduringconstruction,lawyer's feeandcharge

registrationfee,asadvisedbytherelevantagencies/persons.

iii)LatePaymentChargesforFinanced/Disbursed

Loanamount

a)Upto Rs.1.0Million Rs.500/ perlatepaymentpermonth

b)AboveRs.1.0Million to Rs.5.0Million Rs.1,000/ perlatepaymentpermonth

c)AboveRs.5.0Million toRs.10Million Rs.1,500/ perlatepaymentpermonth

d)AboveRs.10Million to Rs.25M il li on R s. 2, 00 0/ perlatepaymentpermonth

e)AboveRs.25MilliontoRs.50.00Million Rs.3,000/ perlatepaymentpermonth

iv) PenaltyonBTF Upto6%ofoutstandingamount(ifloantransferredtoanother

lender)

v) EarlySettlement

Penalty 6%

if

Paid

within

one

year

with

own

resources,

and

3%

after

the

first

year.

vi) Balloon/Partialpayments

Maximumtwoallowedinayearwitha

minimumof10%&maximumof40%ofthe

outstandingbalance

Balloon/Partialpaymentsaggregatingover&above40%ayearare

allowedsubjecttopaymentofuptoa3%surchargeonadjusted

amount

vii) AdjustmentofplotpurchaseLoan(Without

Construction)Upto6%ofoutstandingamount

viii) Incasethedelayoccursonpartofthe

customerinavailingthefacility,thefollowing

freshreports(Ifrequired)shallbeobtainedat

hiscost:

valuationreport,Incomeestimationreport.

AtActual

ix) FeeforRevalidationofMortgagesPromising

Letter,ifthesameisnotconvertedintoa

CLP/Formal LoanApproval,withintwomonths

ofitsissuance.

Rs.2,500/

x) Allrelatedchargeslike;ChequeReturnFeeetc,

asapplicableingeneralbankingarepayable.

xi) IncomeEstimationwhereverapplicable/

required

uptoRs.10,000/ asperthesizeofthefacility

Note:

AllGovt.leviesonallabovechargesorotherwisewillbepayablebytheapplicant/borrower

Thesechargesaresubjecttochangeonhalfyearlybasis.Howevertermsandconditionsoncespecificallyofferedinindividualcasesforthewhole

tenureoftheloanwillremainunchanged/unaffected.YoumaycollectthelatestcopyofScheduleofChargesfromanyofthenearest BAFL

branch.

AllGovt.leviesonallabovechargesorotherwisewillbepayablebytheapplicant/borrower.

JanJune2013

JanJune2013


14/20

BANKALFALAHLIMITED


I II . FINANCE S/ADVANCES

D . GUA RA NT EE S

CLPsforguaranteesaresubjecttoprocessingchargesas

mentionedin1.C.AdvancesectionCLPprocessing

charges.

1.a) GuaranteesissuedtoshippingcompaniesinlieuofBillsof

Lading,AirwaysBillandRailwayreceipt

Rs.1,500/ (flat)against110%cashmargin.Thecashmarginmaybereducedto100%by

sanctioningauthorityinviewofcustomerrelationship

1.b) GuaranteesissuedtoCollectorofCustomsinlieuof

paymentofExportduty,whichremainsvalidfor6months

0.60%perquarterorpartthereofMinimumRs.1,500orasperthearrangementapproved

bysanctioningauthority.

Against100%cashmargin:Rs.1000/ flat

Against100%DepositUnderLien:Negotiable(Min.Rs.1,000/)

Againstcollateralsotherthan100%cashmargin&currentaccount:

0.30%perquarter.MinimumRs.1,250/ orasperthearrangementapprovedbythe by

sanctioning authority.

AllguaranteesissuedbyBankAlfalahagainstthereceiptofcounterguaranteefrom

CorrespondentBankscounterguarantees,thecommissionchargedtothecustomers

wouldbedeterminedandapprovedbyFinancialInstitutionDivision

1.d) OtherGuarantees AnnualVolume Pricing ' UptoRs.50M

0.40% UptoRs.150M *min0.35%

UptoRs.300M *min0.30% 'Minimum

Rs.1,500/

Theaboverelaxtionsfrom0.40%pershallbeallowedbysanctioningauthoritybasedonthe

cashmargin%andothercreditriskfactors. '

Forallowingsuchpriviligedratestheacommitmentlettershallbetakenfromthe

customerandplacedonrecord.WhileexecutingrenewalofthefacilitytheCreditmarketin

1.e) Issuedatotherbank'srequestinPakistan AsapprovedbytheCreditDivision

1.f) AgainstForeignBank'sGuarantees AsapprovedbyFIDplusrespectiveGroupHead

1.g) i) AmendmentsofGuarantees Rs.1,000peramendment

ii) IncreaseinamountandorExtensioninperiod Commissionasperitem1.d)above

1.h) ServiceChargesforhandlingclaimlodgmentagainstLGsby

thebeneficiary

Rs.2,500/ plusActual

Note


AllGuaranteesIssuedbybankwillcontainspecificamountandexpirydateandadatebywhichtheclaimsaretobelodged,exceptopenended

GuaranteeissuedincompliancewithSBPinstructions.

CommissiontobechargedfromthedateofissuetillexpiryofLettersofGuarantees.Incaseofopenendedguarantee,commissionwillcontinueto

bechargedtillsuchtimethebankisreleasedfromitsliabilityundertheGuarantees,whicheverislater.

JanJune2013

JanJune2013

GuaranteessecuredagainstCash/Cashcollaterals

(Deposits/GovernmentSecurities,etc)

1.c)


15/20

BANKALFALAHLIMITED


V MISCELLANEOUS JanJune2013

A

1. SafeDepositLocker

1.a) Feeforsafedepositlockers (Toberecoveredinadvanceoratcommencementoftheperiodfora

year

i) Small *RentRs.2,000/ perannum

orlifetimefreelockerfacilityondepositofRs.30,000/ KeyDeposit.

Refundableincaseofsurrender ofthelockerfacility.

ii) Medium *RentRs.3,000/ perannum

orlife

time

free

locker

facility

on

deposit

of

Rs.

40,000/

Key

Deposit.


iii) Large *RentRs.4,000/ perannum

orlifetimefreelockerfacilityondepositofRs.50,000/ KeyDeposit.


1.b) KeyDeposit(inadvancetoberefunded

ontermination)

Equivalenttoannualrentofthreeyearsaccordingtothesizeofthe

locker.Notapplicableincaseoflifetimefreelockerfacility.

1.c) Breaking ActualCostofbreakingPlusRs.1,000perlockerforalllockerSizes.

1.d) LateFee(LockerRental) Rs.200/ permonthorpartthereofforalllockersizes.

1.e) LockerfacilityforstaffofBankAlfalah

Ltd.

Staffwillbeallowedonelockerfreeofkeydepositwhilerentwillbe

50%oftheprescribedrate.Latepaymentfeeswillhoweverbe

chargedat

regular

rates.

2. Sale/PurchaseofSecurities

2.a) Sale/Purchase ofshares 0.125%onthefirstRs.10,000ofpurchase priceorcostthereof.

MinimumRs.50and0.10%onamountexceedingRs.10,000or

MinimumRs.75

2.b) WithdrawalFee

i) Withdrawalfeeonshares/securities

heldinsafecustody(toberecoveredat

timeofwithdrawal)

0.50%onthefirstRs.10,000ofthepaidup valueMinimumRs.50and

0.15%onamountexceedingRs.10,000MinimumRs.100

ii) WithdrawalfeeonGovt.securities

wheresharesand/orsecuritiessoldare

fromthoseheldinsafecustody,either

commissiononsaleofsharesecurities

asshownagainstitem2.a) or

withdrawal fee,asshownagainstitem

(2b)(i)and(ii)whichever ishigher,will

becharged.

Rs.5perscrip

Collectionofprofit/returnanddividend 0.5%ontheamountofinterest/return/dividendcollected/paid

includingdepositcertificateIssuedbyGovernment agenciesMinimum

Rs.50

2.d) Handlingchargesfor(convensing

renewal/consideration/subdivisionof

Govt.Securities.

Rs.25perscrip.Rs.50(flat)incaseofDepositCertificateissuedby

Government agencies

2.e) IssuanceofRupeeTravellersCheque Rs.10/ perRTC

3. ArticlesinSafeCustody

3.a) SharecustodialservicesofCentral

DepositoryCompanyofPakistanLtd.

ActualchargeschargedbyCDC,plus1.0%ofsharevalueonthefirstof

everymonthorPs.5pershareeachmonth,whicheverishigher

(payableupfront,inadvance)

3.b) Boxes&Packages Rs.1.00per100cubicinchesoranypartthereofwithaMinimumof

Rs.200

3.c) Envelopes Rs.0.50per25squareinchesoranypartthereofwithaminimumof

Rs.100

4. IssuanceofCertificateforSafeItems

4.a) IssuanceofDuplicateSecuriti es Rs.1,000(flat)

5. InvestmentPortfolioSecurities

5.a) BalanceuptoRs.1million NIL

BalanceaboveRs.1million NIL

5.b) Transactioncharges NIL

5.c) IPSStatement NIL

Commissionwillnotberecovered onpurchaseofnewlyfloatedsecurities,whereitisnotpayablebythe

Whenordersforpurchase/saleofshare/securitiesareexecutedthroughthebank'sotheroffices,allincidental

Theabovechargesareinadditiontobrokerage.


JanJune2013

SALE/PURCHASEOFSECURITIES,SAFECUSTODY,ARTICLESINSAFEDEPOSITANDSAFEDEPOSITLOCKERS

*DepositormaintainingdepositmonthlyaveragebalanceofRs.2millionorUS$25,000incurrentaccountormonthly


16/20

B) MISCELLANEOUSCHARGES

1. BalanceConfirmation

1.a) Balanceconfirmationcertificate R s.250(flat)

1.b) Balanceconfirmationtoa ud it or s R s. 50 0

1.c) SMS Alerts charges for branch banking

customers.

Rs.50/ PerMonth

2 Statements/Advices

2.a) Statementofaccountonrequest

(includingduplicate): Rs.35perstatement

2.b) DuplicateAdviceCharges Rs.50 per copy

3. Cheques/ChequeBooks

3.a) IssuanceofNewChequeBook CA(LCY/FCY)&AKK,BasicBanking:Rs.6/ perleaf.

(waiverfor

AKK

&

CA

PKR

as

per

product

grid)

AlfalahKifayat:Rs.7/ perleaf

Saving(LCY/FCY)&RoyalProfit:,PocketMoneyAccount& Care

Account:Rs.8/ perleaf

3.b) FormBcharges Rs.250plussameasabovenewchequebookcharges

3.c) StoppaymentofCheques Rs.300/ perchequemaximumRs.1,000/ perrequest(ifallcheques

pertaintosamechequebook).NoreturnedChequechargesshallbe

deductedfromcustomersforinstrumentsonwhichStopPaymenthas

beenmarked.

3.d) StoppaymentoflostChequeBook Rs.1,000orUS$12orequivalentPKRforFCA

4. Clearing

4(a) PakRupee

Clearing

i) Samedayclearingcharges Rs.300/ perinstrument

ii) Intercityclearingcharges "AsperActual"

iii) ChequeReturnedUnpaid

InwardClearing(appliesonIntercity

Clearingaswell)

Rs.400/ percheque.

OutwardClearing(excludingOBC) Nil

CashChequesreturned Rs.400percheque

OBCreturncharges Rs.200/ perchequereturned(Postage/courierchargesarenot

applicable)

Inwardbillforcollection,returned

unpaidRs.400/ percheque

4(b) US$Clearing

OutwardClearing US$10/ orRs.800perinstrumentplusactualpostagecharges

Inward Clearingreturned US$12orRs.1,000perinstrumentplusactualpostagecharges

Outward

Clearing

Returned US$

10/

or

Rs.800

per

instrument

plus

actual

postage

charges


17/20

5. Issuance,Retrieval,etc.ofStatements

/Certificates/Documents

5.a) AccountMaintenanceC er ti fi cat e R s.100percertificate

5.b)i) Certificateregardingprofitandtax

deductedduringotherfinancialyears.

Rs.100percertificate

ii) certificateoftaxwithheldoncash

withdrawals

Rs.100percertificate

iii) Issueofothercertificates Rs.200percertificate

5.c) IPSStatement NIL

5.d) Documentsretrievalfee(subjectto

availabilityof

record)

i) Upto2Years Rs.500perdocument

ii) Over2Years Rs.1000perdocument

5.e) Arrangementofstamppaper ActualplusRs.100(flat)

5.f) DepositsobtainedfromFederalGovt,

ProvincialGovt,PublicSector

Enterprises,autonomousbodiesand

otherGovtAgencies,Bodiesand

Corporations.

Ratesquotedandagreedbetweenbothparties.

5.g) Purchase,SaleofPIBsbeingaprimary

dealertoandfromcustomersofour

branches.

ChargesNIL

5.h) ServiceChargesfornotmaintaining

requisitebalance,asdefinedbelowfor

allproducts:

i) PKRCurrent

Accounts

&

Alfalah

KamyabKarobar

Rs5,000 monthlyaveragebalanceRs.50/ permonth

ii) FCYCurrentAccounts(monthlyaverage

balance)

USD100/EURO100 / GBP100 / JPY

5,000

Rs50orequivalentFCYpermonth

iii) **SavingLCY(accountopeningbalance

Rs.100)

OpeningbalanceRs.100

iv) SavingFCYAccount

USD/GBP/EUR 250or JPY10,000

minimumdeposit

NIL

v)RoyalProfit

Rs.50,000/ averagemonthlybalanceRs.43permonth

vi) AlfalahKifayatAccount

Rs.10,000/ monthlyminimumRs.43permonth

vii) BBA(Accountopeningbalance

Rs.1,000)

Nil

(V111) CareAccount (Openingbalance

Rs.1,000/=)

Nil

(1X) PocketMoney PKRaccount(Opening

balanceRs1,000) &USD

account(openingbalanceUS$100/=)

Nil

5.j) BasicBanking

Cashwithdrawal

a) Twowithdrawalspermonthbycheque NIL

b) Abovetwowithdrawalspermonthby

cheque

Rs.50/perwithdrawal

6) DormantAccount Nil

7) AccountOpeningCharges Nil

8) CashManagement

TransactionBanking

Collection/Disbursement /Electronic

Banking

AllChargesforTransactionBankingproducts(Collection,Disbursemsnt

andElectronicBanking)willbedecidedonacasetocasebasisthrough

agreementbetweenthecustomerandthebank.


18/20

9)

a)

Slab

Start

SlabEnd FEE FED*(PKR) TotalCharges(PKR)

1 1,000 51.72 8.28 60

1,001 2,500 103.45 16.55 120

2,501 4,000 150 24 174

4,001 6,000 205 32.8 238

6,001 8,000 258.62 41.38 300

8,001 10,000 310.34 49.65 360

10,001 13,000 360 57.6 418

13,001 15,000 405 64.8 470

b) UtilityBillPaymentthroughMobile

Free

c) AirTopups Free

10) MobileBankingCharges

a) AnnualFee PKR300/=perannum

b) IBFTTransaction PKR50/=pertransaction

PRICINGFORDOMESTICREMITTANCE

**FollowingcategoriesofPLSAccounts(LCY)wouldbeexemptedfromrequirementofinitialDeposit.

Students,Staff,MustahiqeenofZakat,EmployeesofGovernment/SemiGovernmentInstitutions

forSalaryandPensionPurpose,MerchantaccountsofBankAlfalahAcquiringBusiness

Widows/Childrenofdeceasedemployeesofgovernment/semigovernment,

Institutionseligibleforfamilypension/benevolentfund,grant

*Forlifetimefreelockersfacility,minimumretentionperiodisoneyear.Ifthelockerissurrenderedbeforeone

year,oneyearrentalaccordingtothesizeofthelockerwillberecoveredbeforerefundingthekeydeposit.

*IfthedepositordonotmaintainmentionedaveragebalancecriteriaforSmall/Mediumfreelockergivenforone

year,annualrentwillberecovered.

BranchlessBanking


19/20

BANKALFALAHLIMITED


V M IS CE LL ANEO US

JanJune2013

F. M IS CE LL ANEO USCHARGES

11 Communication

11.a) CourierCharges

i) Inland Rs.100 Inland(NotapplicableforDDissunace)

ii) Foreign Rs.1250oractualwhicheverishigher

11.b) Fax charges

i) Inland Rs.150orActual,whicheverishigher(NotapplicableforDDissunace)

ii) Foreign Rs.250

or

Actual,

which

ever

is

higher

11.c) PostageCharges

Inland Rs.100(NotapplicableforDDissunace)

Foreign Rs.200

12. OtherCharges

12.a) AccountClosing Rs.200(forlcyaccounts)orUS$3oreqv(forfcyaccounts).NILforPLS

andAQFaccounts.

12.b) OutofpocketExpenses(notcovered

byScheduleofCharges)

AsperActual

12.c)i) StandingInstructions frequencyoftransaction charges/instance

upto6days Rs.100

from713days Rs.200

from14days lessthanmonthly Rs.250

monthly&above Rs.400

oreqvFCYforrelevantslab

12.c)ii) Defaultinperformingstanding

Instructionsduetolackoffunds

Rs.500

CashTransaction

At

Service

Branch:

a)CurrentAccount/AlfalahKamyabKarobar: '

Withincity:Free '

Intercity:Free

b)SavingAccount/RoyalProfit/AlfalahKifayat: '

Withincity:Free '

Intercity:Rs.150foreachdeposit/withdrawal

OnlineClearing/FundsTransfertransactionatServiceBranch:

a)CurrentAccount/AlfalahKamyabKarobar/AlfalahKifayat:

' Withincity:Free '

Intercity:Free

b)SavingAccount/RoyalProfit: '

Withincity:free '

Intercity:Rs.100

12(e) C.I.BReport Rs40/ perreport(recoverableatthetimeofprocessingoffreshfacilities

ORatthetimeofrenewalORlimitenhancementORthroughEOL&OTT)

orat

the

time

of

Restructuring

/Rescheduling

of

the

facility.

12(f) Holdmail Rs.600/ p.a.,toberecoveredatstartoftheyear.

12(g) WateenBillPaymentthroughATMs Rs.25/ perpayment

13 PayrollAccounts Feesandchargeswillbeleviedonpayrollaccountsandassociated

servicesasperarrangementwiththeclient,onacasetocasebasis.

14 TermDepositencashmentp en al ty I f thetermdepositisencashedprematurelyi.e.withinamonth,noprofit

shallbeallowed.

Ifthetermdepositisencashedafteranyspecifictenuree.g.onemonth,

threemonths,sixmonthsetc.profitshallbepaidasperthepresentrate

declared,forthespecifictenurecompletedfore.g.onemonth,three

months,sixmonthsetc.Profitforthebrokendays(abovethespecific

tenure)shallbepaidasperprevailingratesforsavingaccounts.

NOTE:

Profitshallbepaidafternettingoffanyamountofprofitalreadypaid.(in

caseofprofitpayableonmonthly,quarterly,etcbasis)

Wheneverarequestforpartialwithdrawaloftermdepositisallowedthe

entireamount

of

deposit

shall

be

treated

as

premature

encashment


JanJune2013

12(d) Onlinetransaction

charges


20/20

BANKALFALAHLIMITED


V M IS CE LL ANEOUS

JanJune2013


JanJune2013

15

Features Silver Gold Platinum

AverageMonthlyBalance

Requirement

Rs.5,000toRs.50,000/ AboveRs.50,000/

toRs.100,000/

AboveRs.100,000/

OnlineBankingtransactionperday( Free Free Free

PayOrders/DD(shouldbemade 2FreePP/DDonly UnlimitedPP/DD UnlimitedPP/DD

Chequebook 25leafCheckBookfreeonetime 1Free25leafevery

Month

Unlimited

Overthecountercashdeposit Free (IntoAKKacctonlyPANPakistan) Free (IntoAKK

acctonlyPAN

Free (IntoAKK

acctonlyPAN

OnlineClearing Free Free Free

Note

TheBankreservestherighttodeterminetheapplicabilityofabovechargesandcommissionasperarrangement

AlfalahKamyabKarobar

THETARIFFISVALIDFORSIXMONTHSANDISAPPLICABLETOALLCONVENTIONALBANKINGBRANCHESIN

QuarterwherevermentionedinthisSOCmeansthreecalendarmonths.

Theseareourstandardchargesandconcessionsmaybegrantedatthediscretionofmanagement.

Exciseduty&othergovernmentchargeswhereapplicableareinadditiontomentionedcharges.

TheBankreservestherighttomakeachargeonthoseaccountswhichinvolveunusualwork