NBP Bank Charges

8/10/2019 NBP Bank Charges

1/28

CC:

All SEVPs / Cheif of Groups/Divisional Heads/Wings/Department of Head Office.All Regional, Heads / Gms / RCOs / RMs CADAll Regional Audit Chiefs / Director Staff Collages / JNMDC.All General Managers / Chief Managers / Branch Managers(Domestic & Corporate)Operations Managers.

SCHEDULE OF BANK CHARGES (REVISED)

S P M (REVISED) CHAPTER - II

INSTRUCTION CIRCULAR NO. 127 / 2013 DECEMBER 20, 2013

HEAD OFFICE KARACHI

National Bank of Pakistan

SENIOR VICE PRESIDENTOPERATIONS GROUP

A copy of revised Schedule of Bank Charges isenclosed for implementat ion by al l

stBranches/Offices from 1 January 2014.TheSchedule of Bank Charges will remainoperative until revised.

Requisite number of photocopies of theSchedule of Bank Charges may be taken outand supplied to the officials concerned atBranches for meticulous compliance. BranchManagers should also keep a copy in theircustody for ready reference. A copy of the sameshould also be placed on the Branch NoticeBoard.

thIn terms of SBP BCD Circular No. 7 dated 28March, 1984 and Prudential Regulationcirculated vide BCD Circular No. 15 of 1992, allbranches are required to make the aboveSchedule of Bank Charges available to theirconstituents at least 7 days before thecommencement of the relevant half year.Please ensure its availability well before lastweek of December 2013.


2/28

CONTENTS

DOMESTIC BANKING

S. No. DESCRIPTION Page #1 REMITTANCES

1.1 Issuance of Drafts, MTs, & TTs:

1.2 Issuance of Duplicate Draft.

1.3 Cancellation

1.4 Inter Branch Transact ion

2 PAY ORDER

2.1 Issuance of pay order:-

2.2 Issuance of duplicate Pay order

2.3 Cancellation

3 CALL DEPOSIT RECEIPT

3.1 Issuance of Call Deposit Receipt

3.2 Issuance of Duplicate Call Deposit Receipt

4 INLAND LETTERS OF CREDIT

4.1 Opening of LC

4.2 Amendment Charges4.3 Advising/Amendment/Confirmation

4.4 Inland L/C cancellation charges

5 BILLS

5.1 Collection

5.2 Mark-up on bills purchased/negotiated.

5.3 Documentary bills drawn against Inland Letters of Credit.

5.4 Sight Bills

5.5 Usance Bills

6 PROJECT FINANCES/ADVANCES

6.1 Project Application Fee (Non-refundable)

6.2 Miscellaneous Reports

6.3 Miscellaneous) Charges for issuance of NOC

6.4 Redemption

7 GODOWN CHARGES

7.1 Godown Inspection Charges.

7.2 Delivery Charges:-

7.3 Other incidental expenses:

7.4 Marking of Lien, Govt Securities

7.5 Marking of Lien, NBP Securities

8 STANDING INSTRUCTIONS FEE.

9 SALE AND PURCHASE OF SECURITIES SAFE CUSTODYARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS.

9.1 Sale and purchase of shares and Securities9.2 Shares & Securities held in safe custody

9.3 Withdrawal fee on shares and securities

9.4 Withdrawal fee on Government Securities.9.5 Charges for collection of interest/ return / dividend.9.6 Handling Charges

9.7 Public Flotation of Shares9.8 Payment of Dividend Warrants

10 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS.

10.1 Safe Deposit Lockers Fee for Safe Deposit lockers

10.2 Key Deposit10.3 Breaking Charges.10.4 Service charges for investment in PIBs

11 GUARANTEES.

11.1 Charges for borrowing customers.

11.2 Guarantees issued to shipping companies11.3 Guarantees issued to Collector of Custom11.4 Issuance of foreign guarantees11.5 L/G under Suppliers/Buyers Credit11.6 L/G under taking to be issuedfor providing forward cover11.7 Other Guarantees11.8 Guarantees issued against collateralization of FC deposit.

1

1

12

2

3334

4

45

55

6

6

7

78

89

10

1

1

1

1

1

1

1

1

1

2

22

2

2

6

66

6

6

7777777

8

888888

999

12 NBP SAIBAN HOUSING SCHEME12.1 Processing Fee for Govt. Employees12.2 Processing Fee for Others12.3 Other Costs

10

10

1010


3/28

13 NBP ADVANCE SALARY"

16 BANK CHARGES FOR GOVERNMENT BUSINESS.

16.1 IMPORT

INTERNATIONAL BANKING

19 IMPORTS

19.1 Letter of Credit.

19.2 Non-reimbursable Letter of Credit

19.3 Mark-up in case of FIM

19.4 Import Bills returned unpaid

19.5 Services Charges on retirement of Import bills

20 EXPORTS

20.1 Processing Charges for Export Registration.

20.2 Letter of Credit.20.3 Collection.

20.4 Duty draw back claims.

20.5 Local US Dollar Instruments Collection

20.6 Transfer of Export Proceeds/ Remittances to other Banks

20.7 Export Proceeds Realizations under FBPN

21 REMITTANCES

21.1 Outward21.2 Inward

22 MISCELLANEOUS.

22.1 Postage (Ordinary)

22.2 Postage (Registered)

22.3 Fax / Telephone

22.4 Swift

22.5 Courier

22.6 Issuance of proceeds certificate beyond one Year.

22.7 Issuance of Business Performance certificate

12

12

1616

1618

19

19

20

20

21

2123

24

242424

24

21

21

21

20

2020

14 ATM FACILITY

14.1 Annual Renewal Fee

14.2 Transaction cost for NBP Customer14.3 Balance Inquiry

14.4 ATM Card Lost / Replacement Charges

14.5 ATM Card Pin Re-issuance Charges

15 TARIFF FOR CORPORATE CUSTOMERS & MNCS 12

11

17 MISCELLANEOUS CHARGES

17.1 Service Charges on Current Accounts

17.2 Service Charges on Foreign Currency Accounts

17.3 Duplicate/Additional statements of account

17.4 Issuance of SBP/NBP Cheques.

17.5 Stop payment of cheque

17.6 Clearance of Cheques

17.7 Collection/encashment of profit coupons

17.8 Verification of test for other banks/parties17.9 Credit information report

17.10 Registration of contract with SBP

17.11 Confirmation of balances to auditors.

17.12 Balance Confirmation Certificate

17.13 Issuance of new cheque book in lieu of lost

17.14 Account closing charges

17.15 Issuance of Cheque Book

17.16 Charges from employer on Salary Disbursement Services

17.17 Inland Travellers Cheque

17.18 Authorities to encash cheques.

17.19 PRISM Transaction Charges

17.20 Special Same Day Clearing through NIFT17.21

Premature Encashment of PKR & FC TDR

12

13

1314

15

14

1414

14

13

131313

131313

13

13

13

13

12

12

242424

18 WAIVER OF CHARGES 15

11

11

1111

11

11

RTGS Charges 1414

14

14

14

12.4 Property Taxes

12.5 Penalties12.6 Early Payments:

111111

Armed License Fee

Trafic Challan

Bank Certificate for theperpose of Visa,Income Tax,etc

17.22

17.23

Utility Bills Commission Gas /Electricity /17.24

17.25

17.26


4/28

20/12/2013 Syeedprinter-000/2014

1

DOMESTIC BANKING

REMITTANCES

1.1 Issuance of Drafts, MTs, & TTs:

1.1.1 For Account Holders:

a Upto Rs.100,000/- 0.10% Minimum Rs. 100/-

b Upto Rs.1,000,000/- 0.05% Minimum Rs.150/-

c Over Rs.1,000,000/- 0.04% Minimum Rs.500/-

1.1.2 For Non-Account Holders:

a Upto Rs.100,000/- 0.10% Minimum Rs.200/-

b Upto Rs.1,000,000/- 0.05% Minimum Rs.200/-

c Over Rs.1,000,000/- 0.04% Minimum Rs.800/-

1

1.2 Issuance of Duplicate Draft.

(i) For account holders Rs.300/-

(ii) For non account holders Rs.300/-

(iii) Fax Charges on TTs. Actual, Minimum Rs.100/-

( or SWIFT charges)

(iv) Telephone charges on Rs.100/- (Flat)

issuance of T.Ts

(v) Postage on MTs. Actual, Minimum Rs.30/- if sent

by Registered post locally,

Rs.50/- if sent by Registered post

Inland on partys request

(vi) Courier Charges. Local Rs.50/-

Inland Rs.70/-

1.3 Cancellation(i) For Account holder Rs.125/- (Flat)

(ii) For Non-Account holder Rs.150/- (Flat)

1.4 Inter Branch Transaction

1.4.1 Fund Transfer Within City Rs.50/- Outstation Rs. 100/-

1.4.2 Cash Transactions Withdrawal Rs.50/- Deposits Rs.50/-

1.4.3 Statement of Account Rs.35/-

1.1.3

Issuance of T.T. For Scheduled Bank / Financial Institutions - 0.04%

2 PAY ORDER

2.1 Issuance of Pay Order:-

2.1.1 For Account holder Rs.100/- (Flat)

2.1.2 For Non-Account holder Rs.200/-(Flat)

Rs.25/- (Flat ) from student for

payment of fee favouring

educational institution

2.2 Issuance of Duplicate Pay Order

2.2.1 For Account holder Rs.170/- (Flat)

2.2.2 For Non-Account holder. Rs.200/-(Flat)

2.3 Cancellation

(i) For Account holder Rs.100/-

(ii) For Non-Account holder Rs.200/-

3 CALL DEPOSIT RECEIPT

3.1 Issuance of Call Deposit Receipt

3.1.1 For Account holder Rs.100/-

3.1.2 For Non Account holder Rs.200/-

1.1.4

For Studentsdepositing fees/duesof educational Institutions,HEC/Boardetc

0.50% of fees/dues or Rs 25/-per instrument which ever is less

2.1.3 For Students depositing fees/dues ofeducational Institutions, HEC/Boardetc

0.50% of fees/dues or Rs 25/-per instrument which ever is less

(Bank charges/commission given hereunder are exclusive of any FED/Taxes

applicable as per Law)


5/28

Schedule of Bank Charges

2

4

4.1 Opening of L/C per quarterAnnual Business or part thereof

Upto Rs.50 (M) 0.35%

Upto Rs.75(M) 0.35%

Upto Rs.100(M) 0.25%Above 100 (M)As per prior writhenarrangement with clientMinimum Rs.1,500/=

4.2 Amendment Charges Without increase in amount or

extension in period of shipment

Rs.900/- (Flat)

Involving increase in amount

and/or extension in period of .

shipment Rs.1000/- per

transaction/commission as per

item 4.1

4.3 Advising/Amendment/Confirmation

Charges of (Inward) Inland L/Cs. Same as applicable in case of

Above Rs.500(M) Export L/Cs Rs.1000/- (Flat).

Note Charges negotiable on case to case basis under approval of

Business Group Head.

4.4 Inland L/C cancellation Rs.900/- (Flat)

charges

INLAND LETTERS OF CREDIT

5 BILLS

5.1 Collection

5.1.1 Documentary Bills. 0.40% Minimum Rs.500/- plus

postage/courier charges.

5.1.2 Clean (including cheques/ 0.20% Minimum Rs.100/- plus

dividend warrants / postage/courier charges as mentioned

bank drafts etc) above. Maximum Rs10,000/-

Note

Note

5.1.3 For NBP own cheques/ 0.15% Minimum Rs.75/- plus

DD/PO applicable postage/courier.Maximum Rs5,000/-

5.1.4 Purchase of bills, cheques etc.

(i) Documentary Bills other 0.25% Minimum Rs.300/- plus

than those drawn against applicable postage/courier

Letters of Credit

No commission should be charged on out station cheques, drawn onplaces where there is an office of the bank, which are received fromGovernment Departments for credit to Government Account. Thiswaiver does not apply to outstation tendered by the PUBLIC inpayment of Government dues upon cheques which the Banks usualcharges should be levied.

As per Zakat & Ushr Ordinance 1980, (Amended in 1997) banking

services and services connected with the assessment collection ordisbursement of Zakat & Ushr realizable on compulsory basis under thisordinance are to be rendered free of charge. Hence no collection chargesshall be recovered on cheques drawn on Central Zakat Fund for creditingto account of their beneficiary.

3.2 Issuance of Duplicate Call Deposit Receipt3.2.1 For Account holder Rs.175/-

3.2.2 For Non Account holder Rs.250/-


6/28


3

(ii) Clean Bills (trade cheques, 0.40% Minimum Rs.200/- plusbank draft etc.) applicable postage/courier charges .

Maximum Rs5,000/-

NOTE: Postage/Courier Charges are to be recovered on collection/

(a) realization of each instrument (whether clean or documentary)

However, in case where party has deposited more than one cheque/

instrument on a particular date to be collected/drawn on the same branch

of the Bank, postage/courier charges are to be recovered (once only.)

(b) Collection of cheque of small amount may be effected through

normal dak (other than courier) if specially requested by the party in

writing for which he will be responsible for the delay.

(c ) Other cheques/demand 0.60% Minimum Rs.20/-instruments

(Like dividend warrants).(d) Collecting agents charges if the Collecting bank is other than the Bank

will be extra.

(e) Telephone Charges will be extra, if fate of the instruments is asked for by

(f) Returning Charges for Rs.300/- +Courier Charges as above

Documentary & Clean (Documentary)

Collections,In case the Rs.150/-+Courier Charges as above

instruments are returned (Clean).

unpaid.

5.2 Mark-up on bills purchased/ Negotiated.

If retired upto 21st days KIBOR + 2.5% p.a.

from the date of purchasebut during next 210 days

Storage Charges.

as per written arrangement with

clienti)

No Charges if clearedwithin 3 days of its receipt

by the Branch.

ii )Rs.1/-per packet per day

Min. Rs.50/-

5.3 Documentary bills drawn Charges for borrowing

against Inland Letters of credit. customers as per arrangements

5.4 Sight Bills

5.4.1 Negotiating end Negotiating Commission @ 0.50%

Min. Rs.550/-

5.4.2 Collection Charges Rs.550/- (Flat)

(Inland L/Cs)

5.4.3 Collection Charges Rs.550/- (Flat)

for restricted L/C (whereNegotiation is restricted to

some other Banks and

presented to us for

forwarding).

5.4.4 At opening end (at the time of retirement) rate of Mark-up.

(a) If retired within 3 days Mark-up @ 45 Paisas per Rs.1,000/-

from the date of lodgment on daily product from the date of

negotiation.

Telephone


7/28

4

Following charges will be

recovered in addition to mark-up/Return on InvestmentMiscellaneous (i.e. charges fordocumentation, evaluation ofsecurity and maintenance thereof etc.)

6 PROJECT FINANCES/GENERAL FINANCING

6.1 Project Application Fee(Non-refundable)

Following Charges may be recovered in-addition to interest/mark-upreturn on investment.

1

2

At actual, in addition:Project examination fee

@ 0.50% (flat) after acceptance

of sanction by the company but beforedisbursement of the total amount ofsanction (Funded and Non FundedBoth) Minimum Rs.15,000/-

Legal documentation fee.@ 0.25% Flat after acceptance of

sanction by the company but beforedisbursement of the total amount ofsanction (Funded and Non FundedBoth)

5.5 Usance Bills

5.5.1 At opening end

(a) Handling Charges. Rs.0.40% per bill Minimum

Rs.600/- at the time of retirement of bill

(b) If bills matures after Usual charges as in (a) above plus

expiry of L/C delivery of documents against

acceptance commission @ 0.10%

per month on bill amount on

realisation from the date of delivery /

acceptance of documents, but minimumRs.500/-.

5.5.2 At Collecting end.

(a) Collection Charges Commission @ 0.35%

Minimum Rs. 400/-

(b) In case of purchase. Usual Commission as in (a) above

and keep mark down @ 0.75% for

every 15 days from the date of

purchase till the date of maturity.

(c ) Discounting of Inland Mark-up @ 44 paisa per Rs.1000/-

Usance Bills on daily product basis (or as per prior

written arrangement with client) plus

flat commission @ 0.2%.

Note All other charges as per quote (5.4.4.a) & (5.4.4.b) and

( 5.5.2.c ) above wherever applicable will be extra.

(b) If retired after 3 days of Mark-up @ 45 Paisas per Rs.1,000/-lodgement on daily product plus Banks

Commission @ 0.25%

Note

5.4.5 If negotiation is restricted Forwarding Bank/Branchwould

to some other bank charge handling charges of Rs.300/-

(Flat) per bill (commission will not

be applicable).


No mark-up will be charged from the date of negotiation till the date oflodgment of documents received under Inland L/Cs where the payment as perreimbursement arrangement is made to the negotiating bank only on receipt ofdocuments.

Inst. Cir.No. 000 / 2013


8/28

At actual, Minimum Rs. 400/-

Rs. 125/- FlatOthers

Rs. 200/- Flat

Rs. 3,000/-

(SME, Commercial corporateand other consumers)

Inst. Cir.No. 000 / 2013


9/28

(d) To arrange lien on securities Rs.500/- per trip.

issued by other Institutions

7 GODOWN CHARGES

(i) Godown Rent. Actual

(ii) Salaries of GodownKeepers / Chowkidars

Actual

7.1 Godown Inspection Charges. Actual Treatment

a Without any municipal limit. Debit to party account if GodownInspection Charges are upto500/-

.Rsfor payment to staff.

Debit to party and credit to bankIncome Account if Inspectioncharges are more than Rs.500/- and

reimbursement of TA/DA chargesthrough debit to ExpenditureAccount with the approval ofCompetent Authority.

Note No such charges will be recovered from the parties if Inspection ofGodown by Regional/ Head Office Auditors / External Auditors andoccasional surprise checking by Regional Headquarters etc. as it is a partof normal bank duty.

7.2 Delivery Charges

If a godown keeper isnot posted ConveyanceCharges will be recovered.

Actual.

6

Note While recovering the miscellaneous charges like godown rent,godown staff salary, inspection charges the amount recovered from theborrowers shall not exceed the total rent of godown, salary of thegodown staff etc. In other words miscellaneous charges should be

levied as per actual and not become a source of profit to the bank.However, reimbursement of actual conveyance charges to be made toconcerned staff to the debit of Expenses Account after proper approvalof the competent authority.

7.3 Other incidental expenses:Insurance premia.

Legal Charges.

Actual

Actual

7.4 Handling charges on markingof lien on Govt.

Rs.600/- (Flat) per customer(to be recovered by the BranchSecurities

where the loan is applied)

7.5 Marking of lien on Securitiesissued by NBP for other banks

Rs.550/- (Flat) per customer

Inst. Cir.No. 000 / 2013


8 STANDING INSTRUCTIONS FEE

Rs.200/- per transaction.Standing Instructions feewill be recovered inaddition to the usualcharges on remittances, ifany.


10/28

9SALE AND PURCHASE OF SECURITIES SAFE CUSTODYARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS.

9.1 Sale and purchase of sharesand Securities

a. Rs.0.50% upto Rs.10,000/- ofpurchase price or costthereof Minimum Rs.50/-

b. Rs.0.10% on amount exceedingRs.10,000/- - Minimum Rs.75/

9.2 Rs.0.50% (Flat) per annum or partthereof of the face valuewith the minimum of Rs.300/-

Shares & Securities held insafe custody as a resultof order of purchaseexecuted through the bank(To be recovered up front)

Note The above charges is in addition to brokerage.

Commission is not to be recovered on purchase of newly floatedsecurities, where it is payable by the Govt./ Govt. Agencies and from thesubscribers to new shares floatation.

When orders for purchase or sale of shares/ securities are executedthrough the banks, other offices, all incidental expenses .such as postage, insurance charges etc., incurred will be recovered inaddition to the commission / brokerage charges.

A rebate of 50% in Safe Custody Charges will be applicable to all clientsmaintaining Minimum balance of Rs.1 billion or above throughout theyear in NIDA Account.

7

9.3 Withdrawal fee on sharesand securities held in Safecustody (to be recovered at

the time of withdrawal.)

a. 0.25% upto Rs.10,000/- of thepaid up or face value,

Minimum Rs.50/-

b. 0.125% on amount exceedingRs.10,000/-

Rs.10/- per scrip9.4 Withdrawal fee onGovernment Securities.

Note Where share and/or securities sold are from those held in safe custody,either commission on sale of shares and securities as shown againstitem (9.1) or withdrawal fees as shown against item (9.3) whichever ishigher, will be charged but not both.

9.5Charges for collection ofinterest/ return / dividend.

0.30% on the amount of interest/return/ dividend collected/paid, Minimum Rs.20/-

9.6 Handling Charges forconversion, renewal, Rs.10/- per Scrip.consolidation or Sub-division

of Government. Securities

9.7 Public Flotation of Shares/Modaraba Certificates/ Offerfor Sale of Shares/Dis-investment/Term FinanceCertificates

Commission*@ 0.50% plus Out ofPocket Expenses- Actual

9.8 Payment of Dividend Warrantsthrough

Commission* @ 0.50% plus Out ofPocket Expensesdesignated branches.- Actual.

*Commission negotiable on case to case basis.

Inst. Cir.No. 000 / 2013



11/28

10 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS.

(i) For Boxes and Packages. Rs.4/- per 100 cubic inches or anypart thereof with a Minimum ofRs.300/- per quarter.

(ii) Rs.2/- per 25 square inches or anypart thereof with a minimum ofRs.300/-

10.1

(i) Upto 0.41 cft Small Rs.2,400/- per annum

(ii)From 0.42 to 0.80 cft

From 0.82 to 1.35 cft Medium Rs.5,000/- per annum

(iii)From 1.36 to 1.75 cft

From 1.76 to 2.00 cft Large Rs.10,000/- per annum

(iv)From 2.01 to 2.50 cft

From 2.51 to 3.00 cft Extra- Large Rs.12,000/- per annum

For Envelopes.(Contents unknown)

Safe Deposit Lockers Fee for Safe Deposit lockersin advance or at the commencement of the period yearly, half yearly,quarterly as the case may be.)

(to be recovered

Safe Deposit fee (to be recovered in advance at the time of depositor at the commencement of each Quarter)

8

10.4 Service charges forinvestment in Pakistan

Investment Bonds (PIB)

Custodial charges.NIL

10.2 Key Deposit

(i) Small Rs.4,000/-

(ii) Medium Rs.5,000/-(iii) Large Rs.6,000/-(iv) Extra Large Rs.8,000/-

10.3 Breaking Charges. Rs.3,000/- per locker or ActualNote Deposit will apply at the time of issuance of new locker

11 GUARANTEES.

11.1 Charges for borrowingcustomers.

As per arrangement

11.2

Rs.1,300/- (Flat)

11.30.55% per quarter or part thereofcharges 0.20% per quarter or part thereof in case of 100% cash margin charges0.30% per quarter or partthere of in case of lienMinimum Rs.1000/-or As per prior writhen arrangementwith client

Guarantees issued toshipping companies inlieu of Bills of Lading or

endorsement of copy ofAirways Bills in absenceof original Airways Bill.

Guarantees issued toCollector of Custom inlieu of payment ofExport Duty which arevalid upto 6 months

Inst. Cir.No. 000 / 2013



12/28

9

11.5 L/G under Suppliers/Buyers Credit Pay as You

Earn Scheme

Commission @ 0.40% per quarteror

part thereof (at the time ofissuance ofL/G it is to be charged on fullamount of L/G liability plusinterest payable thereon for the

period from the date of issuance ofLG/ till the expiry of L/Gthereafter commission is to berecovered on six monthly basis onoutstanding/reducing liability as

per revised Schedule of chargesapplicable on that date.)In case forward cover is provideda g a i n s t L / G u n d e r

Suppliers/Buyers Credit, L/Gcommission should be recoveredat booking rate for which liabilityvoucher is to be passed. This is dueto the fact that exchange fee is

being recovered in advance.

11.4 0.40% per quarter or part thereofMinimum Rs.1,000/- plus

correspondent bank charges if any.

Swift/ US$ 20/-per /Swiftmessage

Postage US$ 10/- per postage

Amendments in (11.4) above. US$ 20/- per transaction (flat) ifamendment involves increase inamount or extension in period, in.addition to commission as above

Issuance of foreignguarantees (i.ebeneficiaries in foreigncountries) directly orthrough correspondentbank/banks foreignbranch/offices

11.7 Other Guarantees Based on volume during aCalendar Year:Upto (a) Rs. 15 (M) 0.40% per Qtr

or part thereof (b) Rs. 30 (M) 0.30% per Qtr

or part thereof (c) Rs. 50 (M) 0.25% per Qtr

or part thereof (d) Rs. 100 (M) 0.20% per Qtr

or part thereof(e) Above Rs. 100 (M)

Negotiable

11.6 L/G commission to be charged@ 1.6% per annum to reducingliability on booked rateMinimum rs.1,000/-

In case of L/G undertaking to be issuedfavouring any bank forproviding forward coverexchange risk underSuppliers/Buyers crediton behalf of applicant.

Inst. Cir.No. 000 / 2013



13/28

10

11.8 Guarantees issued against collateralization ofdeposit.

foreign currency

Minimum commission Rs.1,000/- per annum per guaranteewherever guarantee validity is less than one year.

(i) Deposit upto US$ 500,000/- 0.25% per quarter or part thereMinimum Rs.1,500/ -(1% per annum)

of

(ii) Deposit more thanUS$ 500,000/-upto 5,000,000/-

0.125% per quarter or part thereofMinimum Rs.1500/-(0.5% per annum)

Note

(i)

(ii)

(iii)

(iv)

All Guarantees issued by bank must contain specific amount andexpiry date and commission to be charged from the dateof issue till expiry of the L/G up front.

If period of Bank Guarantee exceeds one year than commissionbe recovered on year to year basis.

For calculation purpose a quarter would consist of 3 monthsstarting from the date of issue of Guarantee (Three calendarmonths will make one quarter)

Charges may be waived against 100% cash margin kept inmargin account.

(iii) Deposit more thanUS$ 5,000,000/-

Nil

(iv)

Amendments Rs.300/- per amendment (Flat) or

0.40% per quarter or part thereofif amendment involves increase inamount or extension in validityMinimum Rs.500/-


12 NBP SAIBAN HOUSING SCHEME

12.1 Processing Fee for Govt.Employees (Irrespectiveof loan amount)

Rs.1,500/-

12.3 Other Costs

(i) Income Estimation Rs.5,000/-(ii) Lawyers Fee (Stage-I) Rs.2,000/-

(iii) Lawyers Fee (Stage-2) Rs.2,500/- to Rs.3,500/-

(iv) Valuators Fee Rs.3,000/- to Rs.4,000/-

(v) Valuators Fee for Constructionand LPC Cases.

Rs.2,000/- to Rs.5,000/- and

Rs.800/- to Rs.1,500/- Per Visit

Note

Please note that Fees on different stages varies from Region to Region.

All Stamp Duties, Legal Charges, Documentation, Govt. Duties, Levies andother applicable charges and duties shall be borne and paid by the customerto the service provider/Govt. Dept.

12.2 Processing Fee for Others:

(i) Up to Rs.1,000,000/- Rs.1,000/-

(ii)Above Rs.1,000,000/- andup to Rs.4,000,000/-

Rs.3,000/-

(iii) Above Rs.4,000,000/- Rs.6,000/-

Inst. Cir.No. 000 / 2013


14/28


12.4 Property Taxes At Actual

12.5 Service Charges

(i) In case of late payment, up toRs.10,000/-.

Rs.5/- per day for overdue/defaultedinstallment.

(ii) Amount from Rs.10,001/- upto Rs.20,000/-.

Rs.10/- per day for overdue/defaultedinstallment.

(iii) Rs.15/- per day for overdue/defaulted installment. exceedsRs.20,000/- and so on.

(iv) In case of Returned Cheques, Charges for cheques returned unpaidwill be recovered as per Banksapproved schedule of charges.

(v) In case of delay in construction

a Delay of 1 to 89 days No Penalty

b Delay of 90 to 119 days 1% of outstanding amountc Delay of 120 + days Recall Finance. (with the prior

approval of Head Office)

12.6 Early Payments:

Prepayment of finance account, full orpartial within 5 years.will be subject toearly redemption charges @ 2% of theamount being prepaid

In case of beyond 5 years, no earlyredemption charges .will be levied

13 NBP ADVANCE SALARY"

i Processing fees

ii Verification Charges

11

iii E-CIB Report Charges Included in Processing fee

iv Documentation Charges At actual

In case when Physical, tele-phonic Varification of applycant & DDO verification isdone.

Actual toVerification Agency(Presently Rs. 450/-)

a

In case when only DDOVerification is done.

b Actual toVerification Agency(Presently Rs. 125/-)

Rs.1800/- or 1.5% of Loan Amount(Whichever is higher)

14 ATM FACILITY

14.1 ATM card will be issued free ofcost. However, annual renewal

fee of Rs.300/- will be charged.Transaction cost for NBPcustomer using another bankATM under 1-LINK ATM/MNETATM SWITCH Service

Balance Inquiry

Rs.15/- per transaction

Free, in case of using 1-Link ATM,Rs.5/- in case of using MNET ATM.

ATM Card Lost / ReplacementCharges

ATM Card Pin Re-issuanceCharges

Rs. 200/-.

Rs. 100/-.

14.2

14.3

14.4

14.5

Annual Renewal Fee

Inst. Cir.No. 000 / 2013


15/28

15 TARIFF FOR CORPORATE CUSTOMERS & MNCS

With aggregate exposure ofover Rs.500/- Million (Bothfunded and non funded)and in case of all MNCs L/COpening guaranteeissuance and remittance(Funds transfer) charges.

As per negotiation with the customer.

Note The above concessionary rates/charges will apply only to those Lettersof Credit which cover imports by the Government routed throughState Bank of Pakistan. In case LC is received directly from theimporting agency, normal charges are to be recovered.

c In addition to above, branches will recover the actual / wiftcharges where LCs are desired to be established throughswift and confirmation charges of foreign banks if foreign banksconfirmation is also to be added on openers request.

s

16 BANK CHARGES FOR GOVERNMENT BUSINESS.

16.1 IMPORT

a Cash Letters of Credit

Less than Rs.250,000/-

1/8% (0.125%) of the value of theletter of credit.

Rs.250,000/- and above. 1/16% (0.0625%) of the value of theletter of credit.

b Non-reimbursable letter ofcredit under Barter /Aidloans/Authorization to pay.

3/8% (0.375%) irrespective of thevalue of the letter of credit.

17 MISCELLANEOUS CHARGES

17.1 Service Charges on CurrentAccounts (excludingAccounts that have beenclassified/ marked/ flaggedas dormant, inoperativeor unclaimed) withmonthly average balance

below Rs.5000/-.

Rs.50/- per month

17.2 Service Charges on ForeignCurrency Accounts (exclu-ding Accounts that have beenclassified/ marked/flagged

as dormant,inoperativeor unclaimed)withmonthly average balance

below US$1,000/-

or equivalent amount inother Foreign Currencies.

US$ 3/- per month or equivalent in

other currencies.

(Service Charges not applicable

to Foreign currency accounts

of NBP employees[in service

or retired] or their spouses)


12Inst. Cir.No. 000 / 2013


16/28

13

17.3Duplicate/Additionalstatements of account Rs.35/- per statement of account

17.4 Issuance of SBP/NBPCheques.

Rs.300/- per cheque

EXTRA .Stop payment charges are to be levied one time for stop paymentinstructions whether it is for one or more cheques.

17.5 Stop payment of cheque Rupee A/c Rs.200/- perinstruction.F.C A/c US$ 5/- per instruction

17.6 Clearance of Chequeswhere Clearing HouseFacility not established.

No Charges.

17.7 Collection/encashment ofprofit coupons on Govt/Saving Centers underlien to us

Rs.200/- per trip.

17.8 Verification of test forother banks/parties

17.9 Credit information reportincluding credit reporton foreign suppliers/

buyers.

17.10 Registration of contractwith SBP in respect ofprivate foreign currencyloan obtained by

borrowers in Pakistanfrom foreign lenders

Rs.250/- (Flat)

Foreign correspondent/reportingagencies chargesat actual + SWIFT Charges.

Handling charges Rs.5,000/-(Flat.)

17.11 Confirmation of balancesto auditors.

Rs.400/-

17.12 Balance ConfirmationCertificate (required by

Rs.100/- per certificateUSD2/- or equivalent in othercurrencies.customers other than

auditors)17.13 Issuance of new cheque

book in lieu of lostRs.100/- per request plus exciseduty if any.US$ 2/- in F.CAccount.cheque book (Rupee A/c

only). These Chargesare in addition to stoppayment charges as

prescribed above.

17.14 US$ 5/- for Foreign Currency or cntireamount is below US$5/-No charges on closing of old frozen FCAccounts

17.15

Rs. 5/- per leaf ( plus excise duty ifany )Actual.

Account closing charges

Issuance of Cheque Book

Mailing charges forCheque Book


Inst. Cir.No. 000 / 2013


17/28

14

17.16

NoteNo Charges will be recovered from customers maintainingdeposit balances of US$ 25,000/- and above or equivalent ofRs.1.00 (M) and Bank Staff are also exempt from levy of thischarge.

Charges from employer onSalary DisbursementServices.

Rs.50/- per salary accountper month.

Note

17.17 Inland Travellers Cheque(other than NBP if any)

0.25% Minimum Rs.25/-

17.18 Authorities to encashcheques

No commission by issuing branchbut charges on purchase ofcheques will be recovered@ 0.80% MinimumRs.25/-plus Courier Charges.

A number of Commercial Organizations (other than Govt.and Semi-Govt. and Autonomous Bodies) disburse salary to their employeesthrough our branches. Where such organizations do not maintain sufficientfunds or route sufficient businessthrough our bank to justify workload ofsalary disbursement, bank is justified to claim charges from them for theadditionalworkload.We can not charge individual accounts under Prudential Regulations.We can however, charge the employers where they do not maintainsufficient funds nor route ancillary business through our bank. We must

charge them for disbursement of salary to their employees.

Inst. Cir.No. 000 / 2013

17.19 PRISM Transaction Charges

(i) All Interbank Fund Tranfers (IFTs) Rs200/- from Remitting Bank.

including customer Transfers (RTGS)

(ii) Government Securites Transactions Rs 200/- From Buyer of Securities

(excluding Transaction with SBP) (Bank Sending MT-541)

17.20 Special Same Day Clearing through Rs.300/- per instrument.

NIFT for cheques over 0.5 (M)

Note Collection charges will not be recovered on cheques drawn on cities within

catchment area of same NIFT office and will be handled as local clearing

E.g. Islamabad & Rawalpindi


17.21 RTGS Charges Rs.50/- per Transaction

Armed License Fee Rs. 30/- along with

Rs. 20/- along withTrafic Challan

Utility Bills Commission Gas /Electricity /

Rs. 8/- As per agreement withutility companies

Bank Certificate for theperpose of Visa,Income-Tax,etc

Rs. 250/- Flat per certificate

17.22

17.23

17.24

17.25


18/28

15Inst. Cir.No. 000 / 2013


18 WAIVER OF CHARGESFor customers maintaining Monhly Average Balance ofRs2.000 (M) and above in Current Account or Rs5.000(M) and above in PLS Savings Account/NIDA Account.

18.1 Commission on DD/TT/MT & pay orders

18.5

18.6 Issuance of Duplicate statement of accountolder than one year.

18.7 Issuance of loose cheques.

18.8 Commission on Overseas Bills/Inland Bills forcollection business.(Subject to recovery of postage, courier, fax,SWIFT Telephone charges wherever applicable.

Issuance of new cheque book in lieu of lostcheque book

18.2 Cancellation/Issuance/Duplicate Pay orders

18.3 Cheques returned unpaid

18.4 Stop payment of cheques

17.26 Premature Encashment PolicyThe Bank reserves the right to refuse any request for early encashment (prematureencashment) of term deposit before its agreed maturity date. In the event that thebank agrees to a customers request for premature encashment, the withdrawal of aterm deposit (fully or partially) befor maturity will be subject to prematureencashment penalty and associated costs / charges can be deducted from the accrued

profit thereon. The cost / charges of penalty in case of early termination shall bedetermined as follows:1. Profit Rate:Rate of profit prevailing on date of placement or at the date of prematureencashment whichever is lower will be used for calculating profit for the periodcompleted till the date preceding the date of premature termination.2. Premature Encashment Penalty Rate:

The premature penalty rate is applicable on principle amount beingencashed based on remaining days of the period as follows:

encashment

If remaining period is a year or less than one year, 0.50% of the principleamount on the remaining period.

If the remaining period is greater than one year than 1% of the principle amounton the remaining period.

In case the penalty amount is greater than the profit paid / payable, no profit willbepaid to the customer and only the principal will be paid.

Any differential in withholding tax or other govemment levies ( arising out of higherretum paid to the customer earlier i.e. monthly, quarterly etc based on the payoutoption and the original tenure) will not be refunded by the bank .

If the certificate is placed for 7 days / 14 days or 1 month and the same is encashedbefore maturity, then the prevailing profit rate applicable on PLS Saving Accountswill be paid at the time of premature encashment.

In case of monthly / quarterly or half-yearly pay-out, if the payment amount exceeds the profit paid, the gross profit (aiready paid) will be recovered from the customer.

Federal Excise Duty (FED) and all other applicable Government levies on any

specified service will be charged in addition to the charges mentioned here, if notmentioned otherwise.

Note


19/28

16

19 IMPORTS

19.1 LETTER OF CREDIT

ANNUAL VOLUME DURING ACALENDAR YEAR

19.1.1 Opening of cash Lettersof Credit.

Ist Qtr. Each Sub.Or part Qtr or part

thereof thereof.

a Upto Rs.20 (M) 0.40% 0.20%

b Upto Rs.50 (M) 0.35% 0.20%

c Upto Rs.100 (M) 0.30% 0.20%

d Upto Rs.250 (M) 0.25% 0.20%e Upto Rs.500 (M) 0.20% 0.15%

f Upto Rs.1,000 (M) 0.15% 0.10%

g Above Rs.1,000 (M) 0.10% 0.05%

19.1.2 Minimum Amount Per LC Rs.1,500/-

INTERNATIONAL BANKING

Note

b

Projected annual volume is to be ascertained and got approved byThe competent authority commitment letter from customer forpaying difference in commission arising out of short fall inbusiness commitment.

L/C commission for the increased liability should also be recovered forun-expired L/C period. In case, liability increases (due to exchange ratefluctuation) by virtue of providing forward cover to the customer afteropening of L/C.

19.1.3 RevalidationCommission.

On expiry of L/C when the same isr e v a l i d a t e d , r e v a l i d a t i o ncommission should be recovered asis applicable for opening of FreshLetter of Credit, as in (19.1.1)above. L/C commission will becalculated on the amount of liabilityas per exchange rate prevailing onthe date of revalidation.

19.1.4 Transfer Commission. When a Letter of Credit istransferred to a new .beneficiary,transfer commission should becharged as applicable in case ofFresh Letter of Credit as in (19.1.1)

above

19.1.5 Approval from SBPfrom re-import of

Rs.2,000/- (Flat) per case.

consignment back toPakistan.

19.1.6 L/C CancellationCharges

Rs.2,000/- (Flat) Plus actualSWIFT charges

19.2 Non-reimbursable Letterof Credit under Barter/Aid/Loan andauthorization to pay.

1% on 1st

quarter and 0.30% foreach subsequent quarteror part thereofMinimum of Rs.1,500/-


Inst. Cir.No. 000 / 2013


20/28

17

19.2.1 L/C under Suppliers/BuyersCredit, Pay as you EarnSchemeand Deferredpayment L/Cs for period oneyear.

Commission @ 0.40% per quarteror part thereof (at the time ofopening of L/C, it is to be chargedon full amount of L/C liabilityplus interest payable thereon forthe period from the date ofopening of L/C till the expiry ofL/C,thereafter commission is tobe recovered on six monthly basison outstanding/reducing liabilityas per revised Schedule ofCharges applicable on that date).

In case forward cover is provideda g a i n s t L / C u n d e r .

Suppliers/Buyers Credit, L/Ccommission should be recoveredat booking rate for which liabilityvoucher is to be passed. This isdue to the fact that exchange fee isbeing recovered in advance

19.2.2 a Rs.500/- per bill (Flat) to becharged at the time of retirementof bills.

b Extra Commission @ 0.10% permonth is to be recovered /chargedfor the Usance Import Bill for any

period beyond validity of Letter

of Credit.

Amendments. Rs. /- per transaction (Flat) orcommission under item (19.1.1) or(19.2), if amendment involvesincrease in amount or extension

period of shipment

1,200

If bills are to be drawn at aUsance under the aboveLetter of Credit other thanPayees and Suppliers/Buyers Credit anddeferred payment Lettersof Credit on yearly basis.

Issuance of Standby Lettersof Credit (i.e) beneficiariesin foreign countries) directlyor through correspondentbank/banks foreignbranches/offices.

19.2.3 0.40% per quarter or part thereofMinimum Rs.1000/- pluscorrespondent bank charges if any..Swift/ US$ 20/- per swiftmessagePostage US$ 10/- per postage

Amendments US$ 20/- per transaction (Flat) or if

amendment involves (increase inamount or extension in period)commission as above

Inst. Cir.No. 000 / 2013



21/28

Note

a

b

c

19.3 In case of FIM the following mark-up will apply*:-

19.3.1 Mark-up 43.836 Paisasper Rs.1,000/- on daily Product(or as per Sanction Advice)against Regular Credit Lineunder approved arrangement.

18

Regular Credit Line

Inst. Cir.No. 000 / 2013


22/28

19

19.3.2 Forced FIM In case of Forced Creation ofFIM Penalrecovered not exceedingPaisas 40 per Rs.1,000/- ondaily product basis.

charges to be

.

19.3.3 In case FIM is createdand Bank arrangesClearance ofconsignment underSight L/C.

50 Paisas per Rs.1,000/- on dailyproducts shall be charged fromthe date of creation of FIM.

Commission @ 0.35% is to beCharged (once only) in additionto mark-up @ Paisas 50per Rs.1,000/-

from the date of maturity till thedate of payment.

19.3.4 In case Forced FIM iscreated due to non-payment on maturityagainst DA/Suppliers

Credit L/C.

Note Bank reserves the right to change the mark-up rate on case tocase basis.

19.4 Import Bills returnedunpaid.

a Handling of discrepant ImportDocuments., US$ 50 (flat) to berecovered from the proceedsof the Bills remitted.

b Handling charges US$ 70/-(Flat) from forwarding Bank.Plus Courier charges if any

19.4.1 Collection Rs.750/- (Flat) per collectionprovided no charges are realized

from the correspondent.19.4.2 Consignments. 0.20% (Flat) handling charges at

the time of registration of contract/purchase order/ Performa invoice

Minimum Rs.500/-

19.4.3 Import against advancepayment to suppliers.

Rs.750/- (Flat) plus usualremittance charges.

19.4.4 Service charges againstImport transactions i.e.

@per mille. Minimum Rs.500/-

10 Paisas per Rs.100/- or Rs.1/-

Import Bills/PAD/Collection.

19.4.5 Reimbursement charges(payable to

reimbursing Banks.)

At actual.

Charges for borrowing customersas per arrangement

19.5 Services Charges on retirement of Import billsContracts (Ready/ Forward) other than NBP

under L/Cs/

19.5.1 L/C opened/contractregistered by us whereForeign Exchange

payment done byother banks.

10 Paisas per Rs.100/-


Inst. Cir.No. 000 / 2013


23/28

20 EXPORTS

20.1 Processing Charges forExport Registration.

Rs.250/- (Flat)

20.1.1 Returning charges forexport bills

Rs.250/- (Flat)

20.2 Letter of Credit.

20.2.1 Advising. Rs.1,000/- (Flat)20.2.2 Amendment Advising. Rs.600/- (Flat)

20.2.3 Negotiation of Bills againstLetters of Credit issued underBarter/Remittance from SBP

0.25% Minimum Rs.250/-

20.2.4 Confirmation.

20.2.5 Transfer of Export L/Cs. Rs.1,000/- (Flat)

20.2.6 Reimbursement payment toother local Bank from Non-Resident Rupee A/c.

Rs.400/- (Flat)

20.2.7 If the documents are sent toother banks for negotiationunder restricted Letter of

Rs.500/-( Flat)

Credit.

20.3 Collection.

20.3.1 Clean Cheques/Drafts/FTCs. Rs.100/- per Collection (Flat)

20.3.2 Documentary (on which bankdo not earn any exchangedifference)

Rs.200/- per Collection (Flat)

20.4 Duty draw back claims. 0.25% of the amount ofclaim Minimum Rs.250/-per claim

20.4.1 Handling of export

documents againstwhich advancepayment is received.

Rs.400/- (Flat) plus postal

charges.

20.4.2 Service Charges againstexport documents sent oncollection basis wherepayment cover is alreadyreceived to our ForeignCurrency Account.

@ Paisas 10% or Rs. 1/- per 1000/-

20

19.5.2 L/C opened/contract

registered by us where10 Paisas per Rs.100/-

Forward Coverprovided by other banks.

Note Issuance of Banks NOC/Permission is subject to the recovery of abovecharges from customer.

Subject to Arrangement(Please refer your request toFinancial Institution & CashManagement Division).


Inst. Cir.No. 000 / 2013


24/28

20.5.3 Cheques / instrumentsreturned unpaid

a Drawn on Karachi Rs.400/-b Drawn on other than

KarachiRs.500/-

20.6 Transfer of Export Proceeds/ Remittances to other Banks.

20.6.1 Transfer of ExportProceeds and remittancesto other Banks forconversion.


20.7

20.7.1 For Sight Exports BillsNegotiation After 12Days till the date ofRealization

Up to 12 days No Markup

Markup rate arrived at based on1 Month KIBOR .(ask rate) + 4.00% p.a. should becharged

20.7.2 For Usance Export BillsNegotiation:

Up to actual Maturity date NoMarkup

After Maturity Date tillthe date of Realization:

Markup rate arrived at based on1 Month KIBOR (ask rate)

+ 4.00% p.a. should be charged

Export Proceeds Realizations under Foreign Billspurchased & Negotiated (FBPN) Account.

20.5

20.5.1 Cheques / instrumentsdrawn on branchesin Karachi.

Rs.200/-

20.5.2 Cheques / instrumentsdrawn on branches otherthan Karachi

Rs.300/-

Local US Dollar Instruments Collection.

21


21 REMITTANCES

21.1 OUTWARD

21.1.1 Foreign Traveller Cheques. 1% of the amount of TravellerCheques sold Min. Rs.200/-

21.1.2 Remittance abroad throughForeign Currency Account.

Commission @ US$ 1.00 perUS$ 1,000/- or part thereof Min.US$ 5.00 Maximum

US$ 25.00 plus / SWIFTcharges

Remittance against surrenderof F.C Notes or cash depositedin F.C Account within 10 daysfrom the date of such deposits.

In addition to charges mentionedunder 21.1.2. Service charges@ 1.0% to be recovered in casethe remittance amount exceedsUS$ 5,000/- or its equivalent inother foreign currencies.

21.1.3

Inst. Cir.No. 000 / 2013


25/28

Rupee Account 250/- per cheque.

F.C. Account US$ 5/-per cheque

C h ar g es f o r C h eq u esreturned unpaid (when faultlies with the customer) to berecovered from the client onWhose behalf the instrumentis being collected andcollecting bank will applythese charges. In case bearercheque returned on thecounter no such charges willbe applicable.

22

21.1.4 Inward Collection received(relating to F.C Account)from abroad or local banks/

branches and where thepayment is demanded inForeign Currency.

US$ 3.00 perUS$ 1,000/- or part thereofMinimum US$ 3.00Maximum US$ 6.00

21.1.5 Inward cheques expressed inforeign currency drawn onforeign currency A/csreceived from local /upcountrybanks branches for paymentin Pak Rupees after conversion

at authorized dealers buyingT.T clean rates.

Commission @ Paisas 15 perRs. 100/- Minimum Rs.200/-.

21.1.6

(a) Students (for educationpurposes)

Rs.100/- plus SWIFT charges

(b) Other than students. Rs.50/- per US$ 1,000/-Min. Rs.200/- andMax. Rs.500/- plus SWIFTcharges for telegraphic transferor usual postal chargesas prescribed.

(c ) Service Charges againstissuance of Foreign

@ Paisas 10 % orRs.1/- per Rs. 1,000/-

Commission on issuance ofPKR TC Rs 5/- per leaf.

Demand Drafts (FDDs)Foreign Telegraphic Transfer(FTT)& Travellers Cheques(TCs) against Pak Rupee.

Remittances abroad other than through Foreign Currency Account.

(d) FDD/FTT CancellationCharges for foreign currencyaccount

/

(e) Issuance of Duplicate FDD.

(f) Foreign Bills sent for

collections returned unpaid

Rs.250/- per item plus SWIFT/postage charges

Rs.300/- plus usualpostage charges

SWIFT

Rs.350/- (Flat) plus

charges if any.

SWIFT

US$ 5.00 per instruction(g) Standing Instruction Chargesin Foreign Currency Accounts.

Note Service Charges @ 1.0% to be recovered from the customers incase cash deposited in FC Account is encashed /converted intoPak Rupees within 10 days from the date of such deposit.

Inst. Cir.No. 000 / 2013



26/28

23

21.1.7 REPAYMENT OF FCYLOAN UNDER FE25

Repayment of FE25 FCYLoan (principle/Mark-up)where settlement arrangedthrough Interbank marketother than NBP.



21.2 I N W A R D

21.2.1 Home Remittance No Charges (Zero Tariff)

21.2.2 Others. Nil, if proceeds are credited to anaccount with the drawee bank.In other case a flatcharges of Rs.10/

21.2.3Encashment (Purchase) ofTraveller Cheques.

Rs.100/-(Flat)

21.2.5 Commission/Handling Chargeson Deposits of Currency notesfor the credit of ForeignCurrency Accounts.

Nil, if no remittance effectedwithin 10 days of the date ofdeposit, otherwise remittancecharges as per schedule (21.2.2)

21.2.6 Collection of ForeignCurrency Accounts

US$ 5.00 for collection uptoUS$ 1,000/-, US$ 15.00 forcollection above US$ 1,000/-.

21.2.4 @ Paisas 15 per Rs.100 /- Minimum Rs.200/-

S e r v i c e C h a r g e s o npayment of Inward ForeignD r a f t s / F o r e i g n M a i lTransfers where payment ismade to beneficiaries afterpayment cover is received

to our Foreign CurrencyAccount. These charges areto be recovered only whenT.T buying rate is applied.

21.1.8 Any type of remittances otherthen IMPORTS when transactioninitiated/routed through NBP butcustomer procures ForeignExchange from some other bank.


Issuance of Banks No objection/Permission is subject to recovery of abovecharges from customer.

Note:

Any type of remittances otherthen EXPORTS when transactioninitiated/routed through NBP but

customer sale Foreign Exchangefrom some other bank.


Issuance of Banks No objection/Permission is subject to recovery of abovecharges from customer.

21.2.7

Note:

Inst. Cir.No. 000 / 2013


27/28

24


22.4 SWIFT Foreign:

a Full SWIFT L/C/

Guarantee and long MessageRs.1,200/- for full message forshort message Rs.500/-

b L/C/Guarantee amendment,Telegraphic Transferand Miscellaneous messagesRs.1,200/- for fullmessage. Rs.500/-for short message

22.5 Courier a Local Rs.50/-

b Inland Rs.70/-

22.6 Issuance of proceeds

certificate beyond one Year.

Rs.500/- (Flat) per certificate.

22.7 Issuance of BusinessPerformance certificate

Rs.800/- (Flat) per certificate.

at customers request

c Foreign: Actual, Min Rs.1,100/-

22 MISCELLANEOUS.

Postage/Fax/Courier/Swift At actual subject to Minimum,as under :-

22.1 Postage (Ordinary) Local Rs.25/-

Inland Rs.40/

22.2 Postage (Registered) Local Rs.30/-

Inland Rs.50/-Foreign Postage at actualMin. Rs.100/-

22.3 Fax/Telephone Rs.100/- ( Flat )

Inst. Cir.No. 000 / 2013


28/28


AMENDMENTS & NOTES

NBP Bank Charges

Documents

Transcript of NBP Bank Charges