SCHEDULE OF CHARGES

EFFECTIVE FROM 01-01-2017 TO 30-06-2017

(Federal Excise Duty (FED) and all other applicable Government levies on any specified service will be
charged in addition to the Service Charges as listed below, if not mentioned otherwise.)

DOMESTIC BANKING
PL
Sr. No. Description Rate of Charges Category
(T24)
A REMITTANCES
1 Issuance of Fresh Instruments
(a) Issuance of DDs/Allied Banker Cheque (ABC) Payable at Issued by Debit to Account: 52113
any Branch in Pakistan Upto Rs.500,000 Flat Rs.250/-
From Rs.500,001 to Rs.1,000,000 Flat Rs.400/-
Above Rs.1,000,000 Flat Rs.600/-

Issued Against Cash

0.20%, Minimum Rs.1250/-
(Account Holders & walk-in-customer)

Note
The charges for making the instrument for payment of fee dues in
favour of educational institutions, i.e HEC /Board etc. not to exceed
0.50% of fee /dues amount or Rs.25/- per instrument (including
FED) whichever is less.

(b) Issuance of Pay Order / Allied Banker Cheque (ABC) Issued by Debit to Account: 52103
Payable at Issuing Branch only. Rs.250/- Flat
Issued Against Cash
0.20% Min Rs.500/-
(Account Holders & walk-in-customer)

Note
The charges for making the instrument for payment of fee dues in
favour of educational institutions, i.e HEC /Board etc. not to exceed
0.50% of fee /dues amount or Rs.25/- per instrument (including
FED) whichever is less.

(c) Issuance of Call Deposit Receipt Issued by Debit to Account: 52067

Rs.100/- Flat

Issued Against Cash

Rs 1000/- Flat
(Account Holders & walk-in-customer)

Note
The charges for making the instrument for payment of fee dues in
favour of educational institutions, i.e HEC /Board etc. not to exceed
0.50% of fee /dues amount or Rs.25/- per instrument (including
FED) whichever is less.
2 Cancellation of Instruments

Cancellation of Demand Draft/Pay Order/Call Deposit Issued by Debit to Account:

Receipt/Allied Banker Cheque (ABC) Rs.250/- (Flat)
Payable at any Branch or Payable at Issuing branch Issued Against Cash
Rs.500/- (Flat)
(Account Holders & walk-in-customer)

Note
The charges for cancellation of instruments issued for payment of 52114
fee dues in favour of educational institutions, i.e., HEC /Board etc.
not to exceed 0.50% of fee /dues amount or Rs.25/- per instrument
(including FED) whichever is less.

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
3 Issuance of Duplicate Instruments

Issuance of Duplicate Demand Draft/Pay Order/Call Deposit Issued by Debit to Account: 52115
Receipt/Allied Banker Cheque (ABC) Rs.300/- Flat
Payable at any Branch or Payable at Issuing branch Issued Against Cash
Rs. 600/- Flat
(Account Holders & walk-in-customer)

Note
The charges for issuance of duplicate instrument issued for
payment of fee dues in favour of educational institutions, i.e., HEC
/Board etc. not to exceed 0.50% of fee /dues amount or Rs.25/- per
instrument (including FED) whichever is less.

Note
Recovery of charges under Cash Management or any other arrangement shall be subject to agreement.

4 Rupee Travellers' Cheques

(a) Issuance of Rupee Travelers' Cheques No Charge

(b) Issuance of Duplicate Rupee Travelers' Cheques. Rs.50/- per leaf

52066
5 Issuance of SBP/NBP Instruments & RTGS

(a) Issuance of SBP/NBP Cheque on Customer's Request. Rs.500/- per cheque

52065

(b) Transfer of fund of Rs.1,000,000/- & above through Real FUNDS OUTFLOW
Time Gross Settlement (RTGS) System - MT 103 Facility
Days Receipt of RTGS Request Per Trans.Charges

Monday From 9.00 AM to 1.00 PM Rs.220/-

to From 1.00 PM to 3.00 PM Rs.330/-
Friday From 3.00 PM to 3.30 PM Rs.550/- 52121

FUNDS INFLOW
No Charge

Note:
RTGS charges payable to SBP are not Negotiable
(c) Transfer of fund of Rs.100,000/- & above through Real Time FUNDS OUTFLOW
Gross Settlement (RTGS) System - MT 102 Facility
Days Receipt of RTGS Request Per Trans.Charges
Maximum 10 Payment Instructions in one MT 102 Monday
to From 9:00 AM to 3:30 PM Rs. 50/-
Friday
52121
FUNDS INFLOW
No Charge

Note:
RTGS charges payable to SBP are not Negotiable
6 Inter Branch Online Transactions

(a) Cash Withdrawal a) Within City - Free 52014

b) Inter City
Upto Rs.500,000 - Rs. 300/-
From Rs.500,001 to Rs.1,000,000 - 0.075%, Minimum Rs.375/-
Above Rs.1,000,000 - 0.10%, minimum Rs. 1,000/-
Maximum Rs. 3,000/-

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) Cash Deposit a) Within City - Free 52015

b) Inter City
Upto Rs.500,000 - Rs. 300/-
From Rs.500,001 to Rs.1,000,000 - 0.075%, minimum Rs.375/-
Above Rs.1,000,000 - 0.10%, minimum Rs. 1,000/-
Maximum Rs. 3,000/-

Note
No service fee shall be charged from the students depositing the
amount of fee directly in the fee collecting account of the
educational institution.
(c) Account to Account Transfer a) Within City - Free 52112
b) Intercity - 0.05 %, Minimum Rs.250/- Maximum Rs.2,000/-

Note
No service fee shall be charged from students depositing amount of
fee directly into fee collecting account of educational institutions.

(d) Cheque / Instrument deposit for Clearing / a) Within City - Free 52116
Collection by Remote Branch b) Intercity 0..5% Rs.300/- Maximum Rs.2,000/-

Note:
No Charges on collection of ABL's Dividend Warrants on ABL's
shareholders maintain account with ABL.

(e) Inter Bank Fund Transfer (IBFT) from branch counter Rs. 500/- Flat - for transfers from Account. 55523
(Maximum single transfer of Rs. 250,000)

INLAND LETTER OF CREDIT (ILC)

B
1 Inland Letter of Credit (ILC)

ILC Opening commission - Annual Business

(a) Upto Rs 50 Million 0.40% per quarter or part thereof

Exceeding Rs. 50 Million up to Rs 75 Million 0.35% per quarter or part thereof 52328
Exceeding Rs. 75 Million up to Rs 100 Million 0.30% per quarter or part thereof
Above Rs 100 Million Negotiable per quarter

Minimum Rs.2000/- per LC

Plus applicable Dispatch / Communication Charges as per tariff in

Note Section I.
i) Negotiable Rates are approved by Chief CIBG/CRBG and
RMG
ii) Projected annual volume to be ascertained and approved
by Chief CRBG/CIBG.
iii) Commitment letter from customer for paying difference in
commission arising out of shortfall in business commitment
should be obtained & placed on record. Copy of
Commitment letter of each customer will be handed over to
Trade Factory for Monitoring and any difference in
commission will be recovered at the end of the year. Any
waiver in this regard will be given by the CEO.
2 Amendment Charges

(a) Without increase in amount /extension in period of shipment. Rs.1500/- (Flat) per instancePlus applicable Dispatch / 52328
Communication Charges as per tariff in Section I.

(b) Involving increase in amount and/or extension in period of Rs.1500/- (Flat) per instance Plus commission as mentioned at Sr. 52328
shipment. # B (1) (a) above
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

3|Page
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
3 Revalidation (Extension in period after ILC expiry) Commission to be recovered from the date of last expiry of LC until
new expiry date of LC at rates applicable in case of opening of fresh
LC as mentioned at Sr. # B (1)(a) above.

Revalidation commission will be charged on acceptance by the

applicant to submission of documents against expired LCs 52306
negotiating /opening bank's counters.

Plus applicable Dispatch / Communication Charges as per tariff in

Section I.

4 Cancellation charges. Rs 1000/- (Flat) per instance

Plus applicable Dispatch / Communication Charges as per tariff in 52346
Section I.
5 Transfer Commission Transfer commission at the rates applicable in case of opening of 52306
fresh LC as mentioned at Sr. # B (1)(a) above.

Plus LC revalidation charges as mentioned at Sr. # B (3), if the

expired LC is revalidated along with its transfer to a new beneficiary

Plus applicable Dispatch / Communication Charges as per tariff in

Section I.

6 Bills Under ILC - Opening End

(a) Bills Under Sight ILC - Payment Against Documents (PAD
amount net of cash margin)

(i) Commission - If bill is retired (paid) within 3 days from No commission

the date of payment to the negotiating bank.

(ii) Commission - If bill is retired (paid) within 4-7 from the 0.25% on purchase price 52352
date of payment to the negotiating bank.
(iii) Mark-up to be recovered on PAD amount (NET OF In case of Approved Limit:
CASH MARGIN - held since opening of ILC or before Mark-up at approved rate to be applied from the date of debit to
negotiation of documents): PAD lodgment till the date of retirement, after adjustment of cash
margin, if any.

In Absence of Approved Limit:

Mark-up will be charged @ 3 Month KIBOR plus 5 % p.a. from the
date of debit to PAD lodgment till the date of retirement, after
adjustment of cash margin, if any.

(b) Past Due Obligations (PDO) - If bill is not adjusted within 7

days
(i) Commission on Transfer to PDO 0.35% on purchase price. 52352

(ii) Mark Up after Transfer to PDO @20% p.a. to be charged for PDO period

(c) Bills Under Usance ILC - Acceptance

(i) Commission - if Bill is paid on due date a) Commission Rs. 1000 Flat per bill. (if realized within
LC validity)
b) Commission @ 0.10% per month or part thereof.
Minimum Rs. 1000 per bill from the date of expiry
of LC (if bill realized after LC validity)

Plus applicable Dispatch / Communication Charges as per tariff in

Section I.

(ii) Mark Up - If Bill is paid on due date No Markup

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (d) If bill is not paid on due date.

(i) Commission - If bill is not paid on due date i.e Commission @ 0.40% Flat, Minimum Rs 1000 52358
Finance Against Dishonoured Bill (FADB) Plus extra commission @ 0.10% per month to be recovered from
the date of expiry of LC
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Mark Up - If bill is not paid on due date, i.e, LC paid Mark up @20% p.a. from the due date of the bill till the date of 52358
through Finance Against Dishonoured Bill (FADB) adjustment.

7 Bills Under ILC - Negotiating End

(a) Bills Under Sight ILC

(i) Commission 0.55% Minimum Rs. 800/- (irrespective of the amount of LC) 52343
Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Markup a) Mark-up to be recovered as per terms of Approval

or Minimum @ 16% p.a.
b) If the bill is paid after 15 days from the date
of purchase /discounting, mark-up @ 20%
p.a. to be charged for the entire period.

(iii) Collection Charges for restricted LCs (Where Rs.1000/- Flat 52342
negotiation is restricted to other bank and presented Plus actual charges of other collecting Banks if any.
to us for forwarding) Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(b) Bills Under Usance ILC

(i) Commission Commission 0.40%, Minimum Rs 1000/-.
Plus correspondent banks charges at actual.
52358
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Mark-up to be recovered on Discounting/ Negotiation: In case of Approved Limit:

Mark-up at approved rate will be applied.
52358
In Absence of Approved Limit:
Mark-up @ minimum 16 % p.a

(iii) In case bill paid after due date Markup @ 20% p.a. to be charged from due date till the date of
adjustment.

8 Purchase / Discounting of Bills - Documentary Bills Without

ILC
(a) Documentary Bills purchased other than those drawn a) Commission 0.40% - Minimum Rs.1000/-
against Letter of Credits.
Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

b) Mark-up to be recovered as per terms of Approval.

c) If bill paid after due date, mark-up @ 20% p.a. to 52344
be charged from due date till date of adjustment.

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) Clean Bills (Cheques, Bank Drafts etc.) a) Commission 0.40% - Minimum Rs.100/-

Plus actual charges of other collecting Banks if any.

Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52165
b) Mark-up to be recovered as per terms of Approval.
c) If bill paid after due date, mark-up @ 20% p.a. to
be charged from due date till date of adjustment.

(c) Storage Charges a) No Charges, if cleared within 3 days of its

receipt by the branch. 52196
b) Rs. 2/- per packet per day Minimum Rs. 100/-.

9 Collections
(a) Documentary 0.40%, Minimum Rs.1000/-
Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in 52363
Section I.
(b) Clean (Including Cheques/dividend warrants/bank drafts 0.25%, Minimum Rs. 200/-, Maximum Rs. 10,000/-
etc.) Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in 52071
Section I.

(c) Express Collection through IBR a) Within City - Free

b) Intercity - 0.05%, Minimum Rs.250/- Maximum Rs. 2,000/- 52111

10 Other charges under ILC

(a) Advising charges of (inward) ILC or Amendment Rs 1500/- (Flat)

Plus applicable Dispatch / Communication Charges as per tariff in 52328
Section I.
(b) ILC Confirmation Charges @ 0.25% per month. Minimum Rs.1,500/- or as per agreed Pricing
with Financial Institution Division. 52328

(c) Handling of Discrepant documents under ILC. Rs.3,000/- (Flat)

Plus applicable Dispatch / Communication Charges as per tariff in 52310
Section I.
(d) Bills returned unpaid under ILC Rs 500/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52359
Plus correspondent banks charges at actual.
(e) If the documents are sent to other banks for Rs.1,100/- Plus applicable charges.
negotiation/collection under restricted ILC. Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52342
Plus correspondent banks charges at actual.
(f) Returning Charges for Documentary and Clean collection Rs.500/- Flat
(Clean Collection including cheques, Bank draft etc.) Foreign Currency Account US$ 10/- Flat or equivalent FC
Plus actual charges of other collecting Banks if any. 52359
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
C GUARANTEES
1 Issuance of Guarantees (General)

(a) Issuance of Guarantees to Shipping Companies / Airlines / Rs.1,500/- Flat 52361

Transport Companies in lieu of bills of lading / Airway Bill /
Truck Receipts / Railway Receipts. Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
Additionally:
Rs.2000/- per month or part thereof till return of original
guarantee will be charged after expiry date of LC till receipt and
release of shipping documents

6|Page
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) Issuance of Guarantees favouring Collector of Customs.

(i) If issued against 100% Cash Margin / lien on current No Commission

account
52371
Only applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Others (Not issued against 100% Cash Margin / lien 0.60% per quarter or part thereof. Minimum Rs.1500/- (to be
on current account). charged from the date of issue till expiry of the Guarantee including
claim validity period or till such time the bank is released from its
52371
Liabilities under the Guarantee, whichever is later).
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(c) Other Guarantees including Bid-Bond, Performance Bonds,

Advance Payment Guarantees, Guarantees issued at the
request of the Account holder in Pakistan.
(i) If issued against 100% Cash Margin / lien on current No Commission
account
52372
Only applicable Dispatch / Communication Charges as per tariff in
Section I.

Annual Business

(ii) Others (Not issued against 100% Cash Margin / lien a) Upto Rs.15 Million, 0.40%, per quarter or part thereof 52372
on current account). b) Above Rs. 15 Million upto Rs.30 Million 0.30%,
per quarter or part thereof
c) Above Rs. 30 Million upto Rs. 50 Million, 0.25%
per quarter or part thereof
d) Above Rs. 50 Million - Negotiable

Minimum Rs.1500/- per annum per guarantee or Rs.500/- per

quarter wherever guarantee validity is less than one year.
(Commission to be charged from the date of issue till expiry of the
Guarantee including claim validity period or till such time the bank is
released from its Liabilities under the Guarantee, whichever is later).

Plus applicable Dispatch / Communication Charges as per tariff in

Section I.

Note - applicable on Sr. # C(1)(c)(i) & (ii)

a) Negotiable Rates are approved by Chief CIBG/CRBG and RMG

b) Projected annual volume to be ascertained and approved by Chief CRBG/CIBG.
c) If business commitments are not documented in Credit Approval, separate commitment letter from customer for paying
difference in commission arising out of shortfall in business commitment should be obtained & placed on record . Any difference
in commission arising due to shortfall in business volume will be recovered at the end of the year. Any waiver in this regard will be
given by the CEO.
d) All out of pocket expense on Guarantees to be charged at actual, irrespective of lien or margin held.

2 Amendments in Guarantees (General)

(a) Without increase in amount /extension in period Rs.1,200/- Flat for PKR denominated guarantees.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52381

(b) Involving increase in amount and/or extension in period Issuance commission as in C(1) according to nature/type of
guarantee.
Plus applicable Dispatch / Communication Charges as per tariff in
52372
Section I.

3 Issuance of Guarantees (Back to Back)

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (a) Issuance of Back to Back Guarantees, Including Bid Bonds, As per other Guarantees as mentioned at Sr. # C(1)(c)(ii) above.
Performance Bonds, Advance Payment Guarantees issued Minimum US $ 100/-
against counter guarantees of Foreign Banks. (Above Commission subject to negotiations with clients &
correspondent arrangements by Financial Institution Division) 52373
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(b) Amendment in Back to Back Guarantees

(i) Without increase in amount /extension in period US $ 60 Flat

52381
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Involving increase in amount and/or extension in Commission as per Guarantees as mentioned at Sr. # C(3)(a)
period above.
52373
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

4 Claim Lodgment

(a) Handling Commission Rs. 2,500/- Flat

Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52382
Plus charges for instrument issued for payment of claim to
beneficiary.

(b) Mark Up - In case Forced Liability is created for payment Mark-up @ 20% p.a. will be charged from the date of creation of the Regular
against invocation of guarantee forced liability till its complete adjustment. markup
category

D LOCKERS

1 Safe Deposit Lockers - Annual Fee to be recovered in advance

in Calendar Quarter when locker is issued.
Description Rent or Security Deposit

(a) Upto 0.40 cft - Small Rs.3,000/- p.a. Rs.40,000/-

(b) From 0.41 to 0.80 cft & From 0.81 to 1.35 cft - Medium Rs.4,000/- p.a. Rs.70,000/-
55511
(c) From 1.36 to 1.75 cft & From 1.76 to 2.00 cft - Large Rs.5,500/- p.a. Rs.100,000/-

(d) From 2.01 to 2.50 cft & From 2.51 to 3.00 cft - Extra Large Rs.7,000/- p.a. Rs.125,000/-

Note
Security Deposit is inclusive of key deposit, which is refundable at
the time of vacation of Locker.

2 Key Deposit Small Rs.3,000/- (Flat)

(refundable at the time of surrender of locker) Medium Rs.3,500/- (Flat)
Large/Extra Large Rs.5,000/- (Flat)

3 Locker Breaking Charges Rs. 6,000/- or actual which ever is higher

55512

4 Late Payment Charges on Locker Rent 10% of the applicable annual locker rent with grace period of 30
(If annual rent not paid on due date) days from the due date.
55513

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
E FINANCES / ADVANCES / INVESTMENT BANKING / LEASING

1 Corporate & Investment Banking

Following charges to be recovered in addition to
interest/markup/return on investment.
(a) Project Examination/ Arrangement/ Advisory/ Processing/ To be negotiated with customer on case to case basis/or as per
Upfront Fee etc.: Sanction Advice. 52199

(b) Legal Documentation Fee. To be negotiated with customer on case to case basis/or as per
Sanction Advice. 52160

(c) Commitment Fee. To be negotiated with customer on case to case basis/or as per
Sanction Advice. 52163

(d) Project Monitoring Fee. To be negotiated with customer on case to case basis/or as per
Sanction Advice. 52164

(e) Consortium Management Fee. To be negotiated with customer on case to case basis/or as per
Sanction Advice. 52207
(f) Issuance of NOC for creation of charge on asset(s) of the Rs.10,000/- (Flat) or as negotiated with customer with the approval
borrowing company in favour of other bank(s) / DFI (s) of Chief CIBG. 52193

2 Commercial & Retail Banking

(a) Processing charges on CA for Fresh, Renewals, S.No Amount of Limit (Rs.) Processing Charges 52158
Enhancements, Regular Proposals (Fund & Non Fund i) From 0 upto 5 Million 0.1% or Minimum of Rs.2,000/-
Based) ii) Above 5 upto 10 Million 0.1% or Minimum of Rs. 5,000/-
iii) Above 10 upto 25 Million 0.075% or Minimum of Rs.10,000/-
iv) Above 25 upto 50 Million 0.05% or Minimum of Rs.20,000/-
v) 50 Million & above 0.035% or Minimum of Rs.25,000/-

a. Processing charges are Non- Refundable and are to be charged

upfront.
b. Charges are as percentage of requested amount.
c. Not applicable on Product Programs.
(b) One Time Transactions, Amendment, Temporary S.No Amount of Limit (Rs.) Processing Charges
Enhancements & EOLs i) From 0 upto 5 Million Rs. 1,000/-
ii) Above 5 upto 10 Million Rs. 2,000/-
iii) Above 10 upto 25 Million Rs. 3,000/- 52195
iv) Above 25 upto 50 Million Rs. 4,000/-
v) 50 Million & above Rs. 5,000/-

(c) Issuance of NOC for creation of charge on asset(s) of the Rs.10,000/- (Flat) or as negotiated with customer for limits
borrowing company in favor of other bank(s) / DFI (s) exceeding Rs. 100 Million as approved by Chief CRBG. 52193

3 Agricultural Finance

(a) Processing charges on CA of Agriculture for Fresh, a) For All Farm Loans
Renewals, Enhancements, Regular Proposals (Fund Based) S.No. Amount (Rs.) Processing Charges
i) 0 to 0.5 Million Rs.1,000/-
ii) Above 0.500 to 0.999 Million Rs.2,000/-
iii) for 1 Million and Above Rs.3,000/-

b) For All Non Farm Loans

52031
S.No Amount of Limit (Rs.) Processing Charges
i) From 0 upto 5 Million 0.1% or Minimum of Rs.2,000/-
ii) Above 5 upto 10 Million 0.1% or Minimum of Rs.
5,000/-
iii) Above 10 upto 25 Million 0.075% or Minimum of
Rs.10,000/-
iv) Above 25 upto 50 Million 0.05% or Minimum of
Rs.20,000/-
v) 50 Million & above 0.035% or Minimum of
Rs.25,000/-

a. Processing charges are Non- Refundable. To be charged upfront

b. Charges are as percentage of requested amount.

9|Page
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) One Time Transactions, Amendment, Temporary S.No. Amount (Rs.) Processing Charges
Enhancement and Excess Over Limits. (On borrowers i) 0 to 0.5 Million Rs.1,000/-
request). ii) Above 0.500 to 0.999 Million Rs.2,000/- 52032
iii) for 1 Million and Above Rs.3,000/-
(c) Agriculture Loans against Liquid Securities. (Processing (i) Rs. 1,000/- Flat for each activity Facility size upto
Fee, Annual Renewal Fee, Interim enhancement and Rs. 1 Million (Non-Refundable, Payable Upfront)
amendment) (ii) Rs. 2,000/- Flat for each activity Facility size above 52033
Rs. 1 Million (Non-Refundable, Payable Upfront)
4 Program Lending
(a) All approved Lending product programs Facility charges upto 1% p.a of approved exposure to be recovered
from the client upfront at the time of disbursement of the facility

(Separate facility charges for each Program Lending to be approved 52194

by respective authority).

5 ABL Fast Finance

(a) Application Processing / Renewal / Interim Facility (including (i) Rs. 1,000/- Flat for each activity Facility size upto 52010
one time transactions) / Amendment Rs. 1M (Non-Refundable, Payable Upfront) (AFF-LG)
52011
(ii) Rs. 2,500/- Flat for each activity Facility (AFF-RF)
size above Rs. 1M (Non-Refundable, Payable 52012
Upfront) (AFF-TL)
(b) Processing charges in case of assignment of guarantee Rs.1,200/- Flat
issued by other banks 52042

6 Allied Personal Loan

(a) Processing Fee (Non refundable) (i) Existing Account Holder (whose Salary is already being
transferred to the Account): Rs.3,000/-or 1% of the loan amount
whichever is higher

(ii) Fresh Account Holder (New to the Bank) : Rs. 3500 or 1 % of 52679
the loan amount whichever is higher.

This will include charges related to Data Check, Verification and

stamp duty.
(b) Markup Upto 24 % per annum
52677
(c) Late Payment Fees Rs.800/- 52680
(d) Cheque Return Charges due to insufficient Funds on Auto Rs.1,100/-
Debit 52681

(e) Prepayment Penalty No Prepayment Penalty

52682
(f) Limit Enhancement Fee Rs.2,200/- 52683
(g) Life & Disability Insurance premium (Optional) As per the rate quoted by the insurance company

7 Other Charges Relating to Advances

(a) Professional Fee for Valuation of Mortgaged / Pledged As per Actual Bill of evaluator 52153
Assets - Charges for evaluation of securities and
maintenance thereof

(Valuation to be carried out by evaluator listed on the panel

maintained by Pakistan Banks Association.)
(b) Legal Charges - Legal fees and charges paid to advocates Actual 52159
for consultation/opinion/examination of documents.

(c) For advances against pledge/hypothecation various charges

to be recovered as follows:

(i) Godown Rent Actual

(ii) Godown staff salaries - Salaries of Godown Actual

Keepers/Chowkidars.

(iii) Godown inspection Charges a) Within Municipal Limits or within a radius of 10 KM

10 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 from the branch (shall be credited to Bank's Income)
Upto Rs. 5 Million Rs. 1,000/-
Above Rs.5 Million up to Rs. 25 Million Rs. 2,000/-
Above Rs.25 Million up to Rs.50 Million Rs. 2,500/-
Above Rs.50 Million Rs. 3,500/-
Plus actual conveyance charges. Maximum one visit per month.

b) Outside the above limits

Charges as defined in (a) above plus T.A. & D.A.
As per rules (Applicable to respective staff)

(iv) Delivery Charges - If a Godown Keeper is not posted, Actual

conveyance charges will be recovered.
(v) Other incidental expenses for Documentation / other Actual
Legal Charges etc.
Note
While recovering the above charges, the amount recovered from the borrowers shall not exceed the actual expense incurred.

ALLIED BANK - VISA CREDIT CARD

F
1 VISA Credit Card

(a) Joining Fee No Charge

(b) Annual Fees

(i) Basic Classic Rs.1,000/-
Gold Rs.2,000/-
Platinum Rs.4,000/-
52701
(ii) Supplementary Classic Rs. 250/-
Gold Rs. 500/-
Platinum Rs.1,000/-

(c) Service Charges a) Retail Cash and PO/DD/ABC:

Upto 2.67% of outstanding amount per month
translated into an APR 32%
b) Balance Transfer Facility & Allied Easy Instalments: 52702
Upto 2.17 % of outstanding amount per month
translated into an APR 26%
(d) Late Payment Fees Rs.1,000/- 52703
(e) Cash Advance Fees Rs.500/- (per transaction) or 3% of the cash transaction amount
whichever is higher plus all the charges passed on by the acquiring
bank, additionally applicable withholding tax on the sum of all the 52704
transactions in a day exceeding Rs.50,000/-

(f) Balance Transfer Processing Fees Rs.500/- 52706

(g) Allied Easy Installments Processing Fees Rs.500/-
(h) PO / DD /ABC Issuance Fees Rs. 500/- or 3% of PO/DD/ABC amount whichever is higher plus
PO/DD/ABC issuance charges
(i) Voucher Retrieval Fees Local Rs.400/- per voucher
International Rs.1,000/- per voucher
(j) Arbitration Charges for disputed transaction At Actual 52710
(k) Cheque Return Charges / insufficient funds on auto debit Rs.1200/- per instance 52711
(l) Duplicate Statement No Charge 52712
(m) E-Statements No Charge
(n) Card Replacement Fees Upto Rs 500/- 52713
(o) Foreign Transaction (International) : Upto 4% over prevailing market rate on all foreign currency
transactions or as per SBP directive. Any foreign currency
transaction (other than US Dollars) will be first converted into US
dollar as per the rate quoted under arrangement with VISA.
(p) Credit Protector (Optional) Upto 0.35% of outstanding amount

(q) Allied Easy Installment Prepayment Penalty Upto 10% of the remaining amount

11 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (r) Priority Pass Annual Fee No Charge
(s) Priority Pass per Visit Cost US$ 30/-

(t) Priority Pass Replacement Card Fee Rs.600/-

G ALLIED BANK - ALTERNATE DELIVERY CHANNELS

1 Allied Cash + ATM Card

(a) Annual Fee Rs.600/- 52736

(b) Card Replacement Fee Rs.300/- 52737

2 Allied Cash + Shop VISA Debit Card (VDC)

(a) Classic
(i) Annual Fees Rs.750/- 52736

(ii) Card Replacement Fee Rs.400/- 52737

(b) High Value Package (Sapphire)

(i) Annual Fees Rs.1,000/- 52736

(ii) Card Replacement Fee Rs. 500/- 52737

(c) Special Limit Package (Sapphire-200)

(i) Annual Fees Rs.2,000/- 52736

(ii) Card Replacement Fee Rs. 500/- 52737

(iii) Special Limit Allocation Service Fee Rs.1,000/- 52745

(d) Upgrade / Downgrade Fee for ATM / VDC

(i) Upgrade from Allied Cash + ATM Card to VDC a) No Charge for upgrade. Chip issuance fee for a new chip based
VDC will be applicable.
52747
b) Annual fee of upgraded package will apply from the next due fee
cycle

(ii) Upgrade VDC to High Value Package (Sapphire) a) No Charge for upgrade. Chip issuance fee will be applicable in
case upgrade is requested on non chip card to chip card.
52748
b) Annual fee of upgraded package will apply from next due fee
cycle

(iii) Downgrade to Any Lower Package - All cases Rs.200/-

(iv) Chip Issuance Fee Rs. 150/-

52749
Applicable only on the issuance of new chip based VDC

(e) Other Charges - ATM / VDC

(i) Transaction Retrieval Fee Rs.300/- for domestic
52738
Rs.900/- for international transactions

(ii) Arbitration charges (in case of false charge back - At Actual 52739
International)
3 Point of Sale (POS)
(a) Charges on Purchase Transactions (Domestic) No Charge (On Net)

(b) Charges on Purchase Transactions (Domestic) No Charge (Off Net)

(c) Currency Conversion Fee (International POS Upto 4% over prevailing market rate on all foreign currency
Transactions) transactions or as per SBP directive. Any foreign currency
transaction (other than US Dollars) will be first converted into US
dollar as per the rate quoted under arrangement with VISA.

4 ATM Transaction Charges

12 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (a) Charges on Cash Withdrawal Transactions (Domestic) - On No Charge from ATM of account holder branch
Net No Charge from ATM of same city branch
No Charge from ATM of Intercity branch
(Not applicable on Allied Basic Banking Account holders)

(b) Charges on Cash Withdrawal Transactions (Domestic) - Off Rs.15/- (Off net) or as applicable
Net
(c) Currency Conversion Fee (International ATM Upto 4% over prevailing market rate on all foreign currency
Transactions) transactions or as per SBP directive. Any foreign currency
transaction (other than US Dollars) will be first converted into US
dollar as per the rate quoted under arrangement with VISA.
(d) Charges on Balance Enquiry (1 link) No Charge
(e) Charges on Balance Enquiry (M net) Rs.5/- per enquiry or as applicable
(f) Charges on Balance Enquiry (International) Rs.200/- per enquiry 55524
(g) Inter Accounts Funds Transfer through ATMs (Domestic - Rs.50/- per transaction
52744
Within ABL)
(h) Inter Bank Funds Transfer through ATMs (Domestic) Rs.150/- per transaction 52720
Note
a) Annual Fee to be recovered in advance in Calendar Quarter when card is issued. No refund on account
closure. All charges/fees are applicable on per-card basis.
b) The exchange rate between the transaction currency and the billing currency used for processing
foreign currency transactions is a wholesale market rate selected by VISA from within a range of
wholesale rates in effect plus the percentage that Allied Bank charges on account of Foreign
Currency Conversion.
c) No Annual Fee for salary account of ABL Employee (one account only).

5 Allied Direct Internet Banking

(a) Internet Banking Registration Charges Rs. 100/- One Time per Account.
55001
(Free for ABL Employees)
(b) Internet Banking Annual Subscription Charges Rs. 50/- per annum per account from subsequent year.
55002
(Free for ABL Employees)
(c) All financial transactions through Internet Banking including Rs.10/- per transaction
Inter Account Funds Transfer (excluding Inter Bank Fund
Transfer already covered under Sr. # G (5)(d). 55003
(Not applied on Allied Basic Banking Account holders)
(d) Inter Bank Funds Transfer through Allied Direct Internet Rs.150/- per transaction
Banking (Domestic) 55004

Note
a) Annual fee is to be recovered in advance. Registration Charges will cover first year subscription also. No refund
on account closure.
b) No Registration / Annual Fee for salary account of ABL Employee only.
6 IVR / Phone Banking
(a) Funds Transfer Own Account of Customer Rs. 50/- per transaction 55301
(b) Funds Transfer Any ABL Account Rs. 50/- per transaction 55302
7 Allied SMS Banking
(a) SMS Banking Registration Charges Free
(b) SMS Banking Annual Subscription Charges Free
(c ) All financial transactions through SMS Free
Note:
Customers may incur charges at their sole responsibility from the mobile service provider for sending &/or receiving SMS messages.

8 Prepaid Card
Standard Prepaid Card Issuance Fee 200 52731
a Re-load fee Free

Chip Enabled Prepaid Card Issuance Fee 500 52732

b Re-load fee Free

H MISCELLANEOUS CHARGES

13 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
1 Issuance of Cheque Book Rs. 12/- Flat per leaf for PLS Accounts. 52003
Rs.10/- Flat per leaf for Current Account.
FCY Accounts, US $ 5 per cheque book of 25 leaf or equivalent in
other Foreign Currencies.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
Charges will be debited to the respective account at the time of
cheque book requisition.

2 Stop Payment Instructions Rs 400/- per instruction for Rupee Account 52002
US$ 10/- per instruction for FC Accounts (or equivalent in other
Foreign currencies) and FC Cheques / Drafts
3 Standing Instructions

(a) Standing Instructions Fee Rs.200/- per transaction except deduction of loan installments 52017
Plus all charges for transaction executed under these Standing
Instructions as per applicable rates of that relevant transaction.
(b) Failed Standing Instructions due to error on Rs.200/- per attempt 52009
the part of the customer

4 Cheque Returned Charges

(a) Cheque returned Inward Clearing:(If returned due to fault on Rs. 450/- per cheque from Issuer (Local Currency) US$ 5/- per 52058
the part of respective account holder i.e. balance cheque from Issuer (or equivalent in other Foreign currencies)
insufficient in account, drawer's signatures incomplete
/differ/ required, cheque contain extraneous matter, payment
stopped by drawer, revenue stamp required/ insufficient &
mutilated cheque etc.
(b) Cheque returned on counter No Charges
5 Clearing Charges
(a) Same day clearing (at the time of Lodgment) Rs.500/- (including NIFT Charges) 52056

(b) Intercity clearing (at the time of Lodgment) Rs.400/- (including NIFT Charges) 52057
(Rawalpindi-Islamabad are considered as one city)
6 Balance confirmation certificate required by Customers other Rs. 250/- per certificate 52029
than auditors.
7 Bank Certificate for the purpose of Visa Rs. 300/- per certificate 55559

Note
No charges on Bank Certificate for Tax Purposes.

8 Account closing processing charges

(a) Local Currency Account. Rs. 300/-or whatever minimum balance available in Account. 52001
No Charges if closed by the Bank.
No Charges for regular Saving Accounts
(b) Foreign Currency Account: US$ 12/- or whatever minimum balance is available in Account. 52001
No Charges if closed by the Bank.
9 Account Maintenance Charges
(a) Service Charges on all Accounts where minimum monthly
average balance falls below:

i) ABA Accounts Rs. 50,000/- i) Rs. 100/- p.m. (Inclusive of all taxes)
ii) Current Accounts Rs. 25,000/- ii) Rs. 50/- p.m. (Inclusive of all taxes) 52022
iii) Saving Products iii) Rs. 50/- p.m. (Inclusive of all taxes)
(other than Regular
Saving Accounts) Rs.10,000/-

14 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) Foreign Currency Account

Service Charges if average balance in Foreign

Currency Accounts falls below following amounts during a
month.

i) New FCY A/C

USD 500/- USD 2/- p.m.
GBP 500/- GBP 2/- p.m. 52022
Euro 500/- Euro 2/- p.m.
JPY 50,000/- JPY 300/- p.m.

ii) On Frozen A/Cs.

USD 500/- USD 5/- p.m.
GBP 500/- GBP 5/- p.m.
Euro 500/- Euro 5/- p.m.
JPY 50,000/- JPY 500/- p.m.
(c) Service charges on "Allied Basic Banking Accounts" at
Parent branch only.

i) 02 withdrawals & 02 deposits through branch i) No Charges

counter during a calendar month 52021
ii) Additional transactions ii) Rs.50/- each for every withdrawal / deposit
through branch counter
iii) Withdrawals through ABL ATM/VDC iii) No Charges

Note

Following Accounts are exempt from levy of service charges

i) Accounts maintained by employees of Govt./Semi-Govt..Institutions for Salary, Pension and Benevolent Funds purpose
including widows/children of deceased government employees eligible for receiving family pension/benevolent funds
grant etc. in any manner what so ever.
ii) Mustahqeen Zakat
iii) Zakat Accounts Maintained for collection & disbursement of Zakat Funds
iv) Students
v) ABL employees Salary Account.
vi) Deceased Accounts.
vii) Any account specially exempted by the Bank under Cash Management or under any other special arrangement.

10 eCIB Charges. Rs. 50/- flat 52152

(No eCIB Charges to credit card holders, customers of Allied

Business Finance, Allied Personal Finance and Channel Finance-
OMC)

11 Printing of duplicate /additional Statement of Account Rs.30.17 plus FED Rs.4.83 = Rs.35/- per statement 52016
For FCY Accounts, rupee equivalent of charges will be deducted
from FCY Account

12 Photocopy of paid Cheques provided to customer. Upto one year old: Rs. 200/- per cheque 52663
Above one to five year old: Rs.500/- per cheque
Above five year old: Rs. 750/- per cheque

13 Investors Portfolio Account (IPS)

(a) IPS Maintenance Account Charges No Charges 52023

(b) IPS Transaction Charges Upto 5 Transactions Per Month No Charges 52023
6 Transactions Onwards Per Month Rs.200/- Per Transaction

Note
RTGS charges to remain as per SoC.

15 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 14 Transactional Alert Facility Rs.60/- per month for each account. 52714

15 Charges from employer on Salary Disbursement service Rs. 50/- per salary account per month 52008
(without any formal arrangement with Bank).

Note

Charges will not be applied on Salaries of following:

a) Government / Semi Government Institutions and Armed Forces.
b) Customers approved by respective Chief Business and Chief BSG based on Business reciprocity.

16 Charges on collection accounts (other than formal cash Rs.25/- per transaction 52026
management arrangement)

17 Dividend Warrant

(a) Charges on Dividend Warrants (to be recovered from 0.30% of disbursed amount - Minimum Rs. 10,000/- 52104
dividend declaring companies)

Note
a) Dividend Warrant (DW) charges are negotiable
with the Customers depositing full Dividend
amount in advance or Rs.50 Million, whichever
is less in Dividend Account (Current) for
payment of Dividend Warrants.

b) In case DWs are not printed through a Printer

referred by the Bank and subsequently it is
found that the DWs are rejected by NIFT while
processing for payment, actual charges of NIFT
applicable on Non-Standard Instruments will
be recovered from the Dividend declaring
Company.

I DISPATCH / COMMUNICATION CHARGES

1 Postage - Ordinary
(a) Local - Within City Rs. 30/- Flat - Per Item 52691
(b) Inland - Inter City Rs. 50/- Flat - Per Item 52691
2 Postage - Registered
(a) Local - Within City Rs. 50/- Flat - Per Item 52691
(b) Inland - Inter City Rs. 70/- Flat - Per Item 52691
(c) Foreign Rs. 200/- Flat - Per Item 52691
(d) For Inland LC Rs. 200/- Flat - Per Item 52357
(e) For Foreign Import LC Rs. 1,200/- Flat - Per Item 52356
3 Courier
(a) Local - Within City Rs. 100/- Flat - Per Item 52357
(b) Inland - Inter City Rs. 250/- Flat - Per Item 52357
(c) Foreign Foreign Rs.2,000/- per instance for every 0.5 KG of weight or part
52356
thereof.
4 SWIFT
(a) Full Text LC / Guarantee Messages Rs. 2,000/- Flat - Per Item 52356
(b) LC / Guarantee Amendment Messages Rs. 700/- Per Message 52356
(c) All other SWIFT Messages Rs. 700/- Per Message 52357
5 FAX / Other Communication Charges
(a) FAX Message Rs. 100/- Flat - Per Message 52357
(b) Communication Expense Rs. 100/- Flat - Per Item 52205
Note
These charges will not be applicable on internal communication from trade factory to branches and vice versa.

16 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 INTERNATIONAL BANKING
IMPORTS
J
1 Cash Letter of Credit - Issuance

(a) Cash Letters of Credit Opening Commission - Annual 52306

Business First quarter or Each subsequent quarter
part thereof or part thereof
Upto Rs.25 Million 0.40% 0.25%
Above 25 Million upto Rs.50 Million 0.35% 0.20%
Above Rs. 50 Million upto Rs. 100 Million 0.30% 0.20%
Above Rs 100 Million
Negotiable
Note
a) Negotiable Rates are approved by Chief CIBG /CRBG In all above cases, Min Rs.2,000/- per LC per quarter
and RMG
b) Projected annual volume to be ascertained and approved Plus applicable Dispatch / Communication Charges as per tariff in
by Chief CRBG/CIBG. Section I Plus LC Confirmation charges at actual if applicable.
c) If commitments are not documented in Credit Approval,
separate commitment letter from customer for paying Plus handling charges @ Rs 500 (flat) and commission @ 0.10%, if
difference in commission arising out of shortfall in business the payment of import bill is made by arranging remittance through
commitment should be obtained & placed on record. Any another bank.
difference in commission arising due to shortfall in business
volume will be recovered at the end of the year. Any waiver Note:
in this regard will be given by the CEO. If LC is opened with 100% Cash Margin/Lien Over Current Account
- No Commission shall be charged. Only applicable Dispatch /
Communication Charges as per tariff in Section I or all out of Pocket
expenses at actual.
(b) Non-reimbursable letters of credit under Barter 1% for 1st quarter or part thereof 0.30% for each subsequent 52306
/Credit/Loans. quarter or part thereof. Minimum Rs.1500/-
(c) LC Under "Suppliers/Buyers Credit". Pay As you Earn 0.40% per quarter or part thereof upto final payment Minimum Rs. 52306
Scheme and Deferred Payment LCs for period over one 2,000/-.
year. Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
At the time of opening of LC, commission to be charged on full
amount of LC liability plus interest payable thereon for the period
from the date of opening of LC until the expiry. Thereafter
commission is to be recovered on six monthly basis on outstanding
reducing liability, as per Schedule of Charges applicable as at that
date.
2 Amendments
(a) Without increase in amount /extension in period. Rs.1,100/- per transaction (Flat) 52306
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(b) Involving increase in amount and/or extension in period. Issuance commission as mentioned in Sr. # J(1)(a), J(1)(b) or 52306
J(1)(c) according to nature/type of LC.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
3 Revalidation (Extension in period after LC expiry) Commission to be recovered from the date of last expiry of LC until 52306
new expiry date of LC at rates applicable in case of opening of fresh
LC as mentioned in Sr. # J-1 above (LC commission will be
calculated on the amount of liability as per Exchange rate prevailing
on the date of revalidation).
Revalidation commission will be charged on acceptance by the
applicant to submission of documents against expired LCs
negotiating /opening bank's counters.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
4 Cancellation charges. Rs.2,000/- per LC 52346
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
5 Transfer Commission Transfer commission at the rates applicable in case of opening of 52306
fresh LC. (Sr. # J-1 above).
Plus LC revalidation charges (Sr. # J-3), if the expired LC is
revalidated along with its transfer to a new beneficiary
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

17 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
6 Import Bills Under Sight LC - Payment Against Documents
(PAD net of Cash Margin)
(a) Service Charges 0.15% on bill amount or Minimum Rs.1200/- 52348
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(b) Commission
(i) If bill is retired (paid) within 15 days from the date of No commission
negotiation appearing on covering schedule/value
date (which ever is applicable) or from date of
lodgment/remittance by the branch till date of
payment.
(ii) Commission - If bill is retired (paid) during 16-30 days 0.25% on purchase price 52352
from the date of lodgment.
(c) Mark-up to be recovered on PAD amount (NET OF CASH
MARGIN - held since opening of LC or before negotiation of
documents):
(i) In case of Special Approval: Mark-up at approved rate to be applied from the debit to NOSTRO Markup
Account or PAD Lodgment whichever is earlier till the date of relevant
retirement, after adjustment of cash margin, if any. code will
be
used

(ii) In case of No Special Approval: Mark-up will be charged @ 3 Month KIBOR plus 5 % p.a. Markup
relevant
code will
be
used

(d) Past Due Obligations (PDO) - If bill is not adjusted within 30

days
(i) Commission on Transfer to PDO 0.35% on purchase price. 52352

(ii) Mark Up after transfer to PDO @ 20% p.a to be charged for PDO period

For PDO cases against FE-25 finance, markup rate will be charged 52352
with addition of 4% over and above the advised /agreed lending rate
where exception approval is not available with branch.

(iii) Mark-up on import bills under Forced FIM, (Bill not a) Markup to be charged @ 20% p.a.
retired and party has no sanctioned FIM facility) b) Plus Bank commission @ Rs.0.40% on purchase price .

7 Import Bills Under Usance LC - Acceptance

(a) Service Charges 0.15% or Minimum Rs.750/-
Plus applicable Dispatch / Communication Charges as per tariff in 52348
Section I.
(b) Commission
(i) If Bill is paid within due date a) Commission Rs. 1000 Flat per bill. (if adjusted within
LC validity) 52358
b) Commission @ 0.15% per month or part thereof. Inland
Minimum Rs. 1000 per bill from the date of expiry Import
of LC (if bill adjusted after LC validity) Foreign
Plus applicable Dispatch / Communication Charges as per tariff in 52306
Section I.

(ii) If bill is not paid within due date, i.e., LC paid through Commission @ 0.40% Flat, Minimum Rs 1000 plus extra
Finance Against Dishonored Bill (FADB) commission @ 0.10% per month to be recovered from the date of
expiry of LC
52352
Plus Mark up as per Sr. # J (7)(c) below
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(c) Markup
(i) If Bill is paid within due date No Markup

(ii) If bill is not paid within due date, i.e., LC paid through Mark up @20% p.a. from the due date of the bill till the date of
Finance Against Dishonored Bill (FADB) adjustment.

18 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 8 Collection Charges

(a) Service Charges 0.15% or Minimum Rs.750/-

Plus applicable Dispatch / Communication Charges as per tariff in 52348
Section I.
(b) Commission a) Rs.1000/- (Flat) per collection if charges are on
drawer's Account.
b) US$ 20/- if charges are on Principal Account. 52350
Plus applicable Dispatch / Communication Charges
as per tariff in Section I.

9 Other Charges On Import Transactions

(a) Contract Registration

(i) Contract Registration for import on consignment basis 0.10% Minimum Rs.2,000/- 52307
(Annual Basis)
(ii) Contract Amendment a) Without increase in amount /extension in period -
Rs. 700/- Flat per amendment
b) Involving increase in amount and/or extension
52306
in period - Charges as per Sr. # J (9)(a)(i) above.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(b) Payment to suppliers against imports for which contract 0.10% Minimum Rs.1,000/-
has not been registered and/or documents directly received Plus correspondent bank charges at actual
by Importers. Plus applicable Dispatch / Communication Charges as per tariff in 52307
Section I.
(c) Import against advance payment to suppliers 0.15%, Minimum Rs.1,700/-
Plus applicable Dispatch / Communication Charges as per tariff in 52349
Section I.
(d) Handling of discrepant documents under import LC. US $100/- (Flat) + Swift charges USD 20/- 52347
(e) Import Bills returned unpaid US$ 100/- (Flat) or its equivalent in other currencies from remitting
bank.
Plus applicable Dispatch / Communication Charges as per tariff in 52354
Section I.
Plus correspondent banks charges at actual.
(f) Re-imbursement charges (payable to re-imbursing Banks). At Actual 52353
(g) Issuance of freight certificate for import on FOB basis. Rs.1,000/- 52309
(h) Obtaining credit reports on behalf of customers from Credit Rs. 500 plus Actual charges of Credit Rating Agency.
rating agencies Plus applicable Dispatch / Communication Charges as per tariff in 52006
Section I.
(i) In case Foreign Exchange cover provided by the client is 0.10% Plus handling charges Rs. 800/- Flat
through another bank 52304
(j) Obtaining approval from SBP Rs. 1,000/- flat per transaction 52305
K EXPORTS
1 Letters of Credit
(a) Advising
(i) In case Charges are on Beneficiary Account Rs 1,500/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in 52368
Section I.
(ii) In case Charges are on Applicant Account US $ 50/- (Flat)
52368
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(b) Amendment Advising
(i) In case Charges are on Beneficiary Account Rs.1,000/- (Flat)
52368
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(ii) In case Charges are on Applicant Account US $ 35/- (Flat)
52368
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(c) Negotiation of Rupee Bills under LC 0.25%, Minimum Rs. 475/- 52368

19 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (d) Confirmation of LC 0.25% per quarter or minimum Rs 1100/- per quarter or part thereof.
Subject to availability of country limits/cross border risk(s) or as
approved by Financial Institution and RMG. 52368
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(e) Transfer of L/C. Rs 1,500/- (Flat) - If without substitution of documents.
Rs. 15,000/- (Flat) - if with substitution of documents
Plus applicable Dispatch / Communication Charges as per tariff in 52368
Section I.
2 Collections
(a) Clean Bills (Cheque/Bank Draft etc.) Rs.125/- per collection Plus applicable charges (Reimbursement
portion)
52364
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
(b) Documentary Bills
(i) Commission Rs.250/- per collection Plus applicable charges (Reimbursement
portion).
52374
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Service Charges Upto Rs.150 Million - 0.13% Minimum Rs.1000/-

52345
Above 150 Million - 0.10% Minimum Rs. 2000/-

3 Other Charges under Export Transactions

(a) Handling of compensatory Rebate Applications/Duty draw 0.25% per claim minimum Rs.500/-.
back /R&D cases applications/claims. 52367

(b) Commission on Advance Inward Export payment Upto 0.13% per transaction
Minimum Charges Upto Rs.1,000/- per transaction
If more then one document is involved against same advance 52374
payment, Commission should be recovered for each document
separately
(c) Export Bills Negotiated/ Discounted (i.e., Mark-up on late a) Mark-up to be recovered as per terms of Approval.
realization of Sight Usance Bills). b) For over due period, Mark-up @ 20% p.a. will be
charged from due date till its adjustment.
C ) For PDO cases against FE-25 finance, markup rate will be
charged with addition of 4% over and above the advised /agreed
lending rate where exception approval is not available with branch.

(d) Reimbursement payment to other local banks from N.R. Rs. 1,000/- Flat
Pak. Rupee A/c. 52368

(e) If the documents are sent to other banks for negotiation Rs.1,100/- Plus applicable charges (Reimbursement portion)
under restricted Letters of Credit. 52368
(f) Export Bill Realized through FCY 0.12% Min Rs 1500 52345
(g) Charges of Export against Surrender of FCY notes/deposits Rs. 1,000/- Flat per case
for Afghanistan 52345
(h) Transfer of Export Proceeds to other Bank received in our 0.13% of bill amount
NOSTRO 52345

(i) In lieu of exchange earnings where exporter sells foreign Rs. 1,200/- Flat
exchange to some other bank where as documents were 52345
sent for collection through our bank
(j) Preparation of substitution case in ERF-Pre shipment Rs.2,000/- Flat
52345
(k) ERF Part 1, where pre-shipment is obtained from us and Rs. 2,000/- per shipment
export is routed through other bank 52345

(l) EE-Certification Rs.500/- per case

52334
(m) Export LC Cancellation Rs. 1,500/- Flat.
Plus applicable Dispatch / Communication Charges as per tariff in
52368
Section I

(n) Handling of Clean and Discrepant documents negotiation Rs. 1,000/- Clean
Rs. 2,000/- Discrepant
52367

20 | P a g e
SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (o) Export Documents Returned Un-Paid Rs. 600/- Flat per documents + Correspondence charges 52345
(p) ERF - II - NOC for Entitlement Rs. 1,000/- per NOC 52345
L FOREIGN REMITTANCES
1 Outward Remittances
(a) Foreign Traveler Cheques. 1% of amount TC sold Minimum Rs 200/-.
Plus applicable Dispatch / Communication Charges as per tariff in 52321
Section I.
(b) Remittance abroad through F.C. Account (including FDD / a) Flat US$ 5/- per item upto value of US $ 1000 or its
FTT) equivalent.b) 0.25% per item for value of over US $ 1000 or its
equivalent, Minimum US$ 10/-, Maximum US $ 100. Plus Additional
Charges @ 0.25%, Minimum US $ 5 (or equivalent currency) to be 52324
recovered where remittance is effected within 15 days of cash
deposits.Plus applicable Dispatch / Communication Charges as per
tariff in Section I.
(c) Remittance abroad other than through Foreign Currency
Account (including FDD / FTT)

(i) To Universities/Educational Institutions on behalf of Rs. 400/- Flat

students (for education purpose) (Correspondent charges to be recovered by the correspondent
while paying to beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(ii) Other Remittances abroad 0.10% per item. Minimum Rs. 500/-
(Correspondent charges to be recovered by the correspondent
while paying to beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(d) Commission / Handling charges on deposits of Foreign

Currency Notes for the credit of FC Account in respective
currencies.
(i) In Case deposit remains in the FC Account for 15 No Charges
days.
(ii) In Case deposit remains in the FC Account for less 0.25%, Minimum US $ 5 (or equivalent currency) 52763
than 15 days.
(e) Remittance abroad under specific approval of SBP Rs. 1500/- flat
(Correspondent charges to be recovered by the correspondent
while paying to beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.

(f) FDD/FTT Cancellation charges Flat Rs.500/-

Plus applicable Dispatch / Communication Charges as per tariff in 52323
Section I.
(g) Issuance of Duplicate FDD Flat Rs.500/-
Plus applicable Dispatch / Communication Charges as per tariff in 52322
Section I.
2 Inward Remittances

(a) Home Remittances No charges to be recovered, if the funds are remitted to branch of
our bank or to other bank. 52761

(b) Other than Home Remittance No Charges, if the proceeds are credited to an account with any
branch of our bank.
In other cases, DD/PO Charges as well as dispatch / 52762
communication charges (as applicable) would be recovered

(c) (i) Local USD cheques & drafts/ Collection and a) If credit to Pak. Rupees Account Rs.500/- per
settlement charges instrument including NIFT & collecting bank
charges.
52054
b) If credit to Foreign Currency Account, USD 5/-
including NIFT & collecting Bank Charges.

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (ii) Return Cheque Charges a) Pak. Rupees Account:
Rs.600/- per returned cheque inclusive of NIFT
charges. 52055
b) Foreign Currency Account:
USD 6/- or equivalent inclusive of NIFT charges

M OTHER CHARGES (International Banking)

1 Correspondent Bank's charges (if any). Actual PKR
14474
2 Foreign Bills/Cheques/TCs sent for collection returned un- Flat Rs. 500/-
paid. Plus Foreign correspondent charges
52055
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
3 Inward collection received (relating to FC Account) from a) Flat US$ 5/- per item upto value of US $ 1000 or its
abroad or local banks/ branches and where the payment is equivalent.
demanded in Foreign Currency. b) 0.25% per item for value of over US $ 1000 or its
equivalent, Minimum US$ 10/-, Maximum US $ 100.
Plus Additional Charges @ 0.25%, Minimum US $ 5 (or equivalent 52320
currency) to be recovered where remittance is effected within 15
days of cash deposits.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
4 Inward cheques received from local branches, upcountry 0.15% Min. Commission Rs.400/-
branches or local banks for payment in Pak Rupees. (Convert Plus applicable Dispatch / Communication Charges as per tariff in 52338
the relevant Foreign Currency at the T.T.Buying Rate). Section I.

5 Inter Branch Online FC Transactions

(a) Online FCY Cash Withdrawal a) Within City - No Charge
(Allowed from Authorized Branches only) b) Inter City Charges (Per transaction)
US $ = 05
Note: GBP = 03 52028
Charge Amount Plus FED/PST/SST/KST should be a EURO = 04
Round Amount as Charges are to be recovered from Walk JPY = 400
in Customer in Cash.
(b) Online FCY Cash Deposit(Allowed from Authorized a) Within City - No Charge
Branches only) b) Inter City Charges (Per transaction)
US $ = 05
52029
GBP = 03
EURO = 04
JPY = 400
(c) Online FCY Account to Account Transfer a) Within City - No Charge
(Allowed from and to Authorized Branches only) b) Inter City Charges (Per transaction)
US $ = 03
GBP = 02 52030
EURO = 02
JPY = 300
6 Standing Instructions Fee in Foreign Currency Accounts. US$ 5 per transaction or its equivalent in other currencies
Plus correspondent Bank Charges. (Permissible to new - FC
Account & Incremental deposits). 52017
Plus all charges for transaction executed under these Standing
Instructions as per applicable rates of that relevant transaction.
7 Collection for Foreign Currency Account
(a) For US $ denominated instrument drawn outside United i) US $ 5/- for collection upto USD1000/-
States & Instruments in other currencies like GBP, EUR, ii) US $ 15/- for collection of above USD 1000/- (or equivalent
JPY etc.) currency)
All correspondent banks charges to be recovered at actual.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I. 52751

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 (b) Collection for foreign currency A/c (collection of USD i) USD 5/- for collection upto USD 499/- (under Cash
denominated instruments drawn in United States) Letter)
ii) USD 20/- for collection of USD 500/- & above
(under Secured Collection). 52752
All correspondent banks charges to be recovered at actual.
Plus applicable Dispatch / Communication Charges as per tariff in
Section I.
8 Collection of FEBCs, FCBCs, DBCs and profit coupons from 0.20% Minimum Rs. 200/- Maximum Rs.500/- per collection.
SBP/NBP etc. Plus applicable Dispatch / Communication Charges as per tariff in 52753
Section I.
9 Issuance of Proceeds Realization Certificate beyond Rs.600/- (Flat)
one year. 52756

10 Issuance of duplicate Proceeds Realization Certificate Rs.300/- within one year.

Rs.600/- if beyond one year. 52754

11 Circulation of loss of E-Form Rs.1,000/-

(Recoverable from Bank's own customer) 52757

12 Test/signature verification charges to be received from other Rs.500/- per instance

Bank's (Foreign Remittances) 52758

13 Purchase of travelers' cheques/drafts etc. Rs.100/- (Flat) per transaction.

52759
14 Issuance of Business performance Certificate at Customer's Rs.1,000/- (Flat).
request. 52760

Notes:

1) The entire Schedule of Charges may be negotiated /discounted in % age terms for any customer / borrower
with permission of Chief CRBG /CIBG based on existing/ prospective relationship, except as specifically
mentioned hereunder:
a) Section I of schedule of charges.
b) Charges of Correspondent Banks at Actual.
c) Any clause where charges are to be negotiated or any waiver has been specifically mentioned therein.

2) The Charges under note 1(a),(b) or (c) above can only be discounted or waived by the CEO.

3) Where negotiable rate / charge is jointly approved by Chief CIBG/CRBG along with Chief RMG as mentioned in SOC,
based on business commitment, any further change in such approved rates will also be approved jointly by Chief
CIBG/CRBG along with Chief RMG.

4) The rates of charges for any customer / borrower will not exceed the rates given in Schedule of Charges.

5) This will supersede all previous instructions, Circulars and Schedule of charges.

6) Rawalpindi and Islamabad are treated as one city for the purpose of Schedule of Charges.

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 FEE EXEMPTION GRID

PRODUCT NAME
ALLIED BUSINESS
CURRENT ACCOUNT
ACCOUNT

Average Balance of the Month

No Minimum Balance Rs.250,000 to less Rs.500,000 to less Rs.750,000/- and
Balance Requirement
requirement. than Rs.500,000 than Rs.750,000 above

2 FREE 4 FREE
FREE
Online Cash Deposit FREE TRANSACTION PER TRANSACTION
UNLIMITED
MONTH PER MONTH
2 FREE 4 FREE
FREE
Online Cash Withdrawal FREE TRANSACTION PER TRANSACTION
UNLIMITED
MONTH PER MONTH
4 FREE 8 FREE
FREE
Online A/C to A/C Transfer FREE TRANSACTION PER TRANSACTION
UNLIMITED
MONTH PER MONTH
2 FREE 4 FREE
Cheque / Instrument deposit for clearing / FREE
FREE TRANSACTION PER TRANSACTION
collection by Remote Branch UNLIMITED
MONTH PER MONTH

Issuance of Demand Drafts / Allied Banker

Cheque (Payable at any branch) / Pay Order 6 FREE PER FREE
FREE 3 FREE PER MONTH
/ Allied Banker Cheque (Payable at Issuing MONTH UNLIMITED
branch) Call Deposit Receipt

Cancellation of Demand Drafts / Allied

Banker Cheque (Payable at any branch) / 2 FREE PER FREE
FREE 1 FREE PER MONTH
Pay Order / Allied Banker Cheque (Payable MONTH UNLIMITED
at Issuing branch) Call Deposit Receipt

Duplicate Issuance of Demand Drafts / Allied

Banker Cheque (Payable at any branch) / 2 FREE PER FREE
FREE 1 FREE PER MONTH
Pay Order / Allied Banker Cheque (Payable MONTH UNLIMITED
at Issuing branch) Call Deposit Receipt

No Charges As per SOC

Intercity Clearing / OBC

Account Maintenance As per SOC As per SOC

Charges (Service Charges)
FIRST FREE OF 10 Leaves FIRST FREE OF 10 Leaves
Issuance of Cheque Book
All business accounts All Individuals / Firms/ Companies
Eligibility (Individuals /Firms/
Companies)
Free facilities to remain available in following one month based on
eligibility criteria (average balance) which will be reassessed on
each month end on the basis of Average Balance in the Account.
Other

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017
 FEE EXEMPTION GRID
PRODUCT NAME ALLIED
ALLIED
REGULAR SAVING ACCOUNT EXPRESS
RISING STAR
ACCOUNT
No Minimum No Minimum
Average Balance of the Month Balance Balance
requirement. requirement.
Balance Requirement Rs. 1,000,000 to Rs. 2,500,000 Rs.
less than Rs. to less than Rs. 5,000,000
2,500,000 5,000,000 and above. As per SOC As per SOC

2 FREE 4 FREE
FREE
Online Cash Deposit TRANSACTION TRANSACTION As per SOC As per SOC
UNLIMITED
PER MONTH PER MONTH
2 FREE 4 FREE
FREE
Online Cash Withdrawal TRANSACTION TRANSACTION As per SOC As per SOC
UNLIMITED
PER MONTH PER MONTH
4 FREE 8 FREE
FREE
Online A/C to A/C Transfer TRANSACTION TRANSACTION As per SOC As per SOC
UNLIMITED
PER MONTH PER MONTH
2 FREE 4 FREE
Cheque / Instrument deposit for clearing / FREE
TRANSACTION TRANSACTION As per SOC As per SOC
collection by Remote Branch UNLIMITED
PER MONTH PER MONTH
Issuance of Demand Drafts / Allied Banker
Cheque (Payable at any branch) / Pay Order 3 FREE PER 6 FREE PER FREE
As per SOC As per SOC
/ Allied Banker Cheque (Payable at Issuing MONTH MONTH UNLIMITED
branch) Call Deposit Receipt
Cancellation of Demand Drafts / Allied
Banker Cheque (Payable at any branch) / 1 FREE PER 2 FREE PER FREE
As per SOC As per SOC
Pay Order / Allied Banker Cheque (Payable MONTH MONTH UNLIMITED
at Issuing branch) Call Deposit Receipt

Duplicate Issuance of Demand Drafts / Allied

Banker Cheque (Payable at any branch) / 1 FREE PER 2 FREE PER FREE
As per SOC As per SOC
Pay Order / Allied Banker Cheque (Payable MONTH MONTH UNLIMITED
at Issuing branch) Call Deposit Receipt

Intercity Clearing / OBC As per SOC As per SOC As per SOC

No Charges for
Account Maintenance Charges (Service
As per SOC Both Principal and No Charges
Charges)
Linked Account
First Free Cheque
book of 10 leaves First Free Cheque
Issuance of Cheque Book FIRST FREE OF 10 Leaves
for Both Principal book of 10 leaves
and Linked Account
Eligibility All Individuals / Firms/ Companies All Individuals All Individuals
1. Issuance of
Duplicate 1. Free ATM Card
Relationship issuance
Free facilities to remain available in following one Card Rs.50/-
2. Free Internet
month based on eligibility criteria (average balance) per request
Other Banking
which will be reassessed on each month end on the 2. Issuance of
Duplicate Certificate 3. Free 24/7
basis of Average Balance in the Account.
of 1 Bank telephone
Account Rs.50/- Banking
per request

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SCHEDULE OF CHARGES - EFFECTIVE FROM 01-01-2017 TO 30-06-2017