Alfalah SOC Jan-June2013

BANKALFALAHLIMITED
ScheduleofBankCharges
ScheduleofCharges(ExcludingFED)
JanJune2013
III.
FINANCES/ADVANCES
JanJune2013
A ADVANCES
1.a) Projectexamination/TermLoanDueDiligencefee
1.5%ofprojectfacilityrequestedOrasarrangementapprovedby
SanctioningAuthority.
1.b) InterimReview/ProcessingFee
Rs.3,000(flat)
1.c) NewFacilityInitiation/RenewalofFacility(whereapplicable)
If a limit is primarily approved for a group where its group concerns are
allocated sublimits then the processing charges should be taken only
oncei.enotforeachcompany.
upto0.01%ofSanctionAmount(tobedecidedbythelineGroupHead)
i) Corporateborrower
ii) SME/Commercialborrower
Newfacility/Enhancement
uptoRs.4.999MRs.3,000
fromRs.5MtoRs.9.999MRs.4,000
aboveRs.100MRs.16,000
orasapprovedbythelineGroupHead.
RenewalsatExistingLevel
uptoRs.10MRs.3,000
uptoRs.50MRs.4,000
uptoRs.100MRs.6,000
iii) OTT/EOLs
1.d) CommitmentFee/upfrontfees
1.e) Legal&Administrationfee(Wherelegaladviseisobtained)
aboveRs.50MRs.6,000
0.50%1.00%(onsanction/renewal)orasperthearrangement
approvedbysanctioningauthority.
AsperActual
1.f) MiscellaneousCharges(documents,evaluationofsecurity,and AsperActual

maintenancethereof)
1.g) Replacementofsecurities(interim)
i)Forcash/cashequivalentRs.2,500(flat)ii)
ForothersecuritiesRs.5000(flat)
1.h) Tomarklienonsecuritiesnotissuedbyus
Rs.500(ServiceCharges)
1.i) RegistrationofChargewithRegistrarofSecuritiesExchange
Actualchargesincurredbythebranch
CommissionofPakistan.(SECP)
1.j)
LatepaymentofinstalmentsCommercialTF(IfTFistoberepaid
0.1%perdayoftheoverdueinstallmentamount
onAmortizationBasis)
2. ChargesforAdvancesAgainstPledge/Hypothecation
2.a) GodownRent
"AsperActual"
2.b) GodownStaffSalaries
"AsperActual"
2.c)i) GodownInspectionChargeswheninspectioniscarriedoutby
BankStaff:
Withinmunicipalitylimitorwithinaradiusof10kmfromBranch "AsperActual"
Outside,municipalitylimits
"AsperActual"
2.c)ii) GodownInspectionChargeswheninspectioniscarriedoutby
outsideagencies
2.c)ii(a) Whereinspectioniscarriedoutwithinthesamecity
"AsperActual"
2.c)ii(b) Forinspectionofgodowns/stockslocatedoutsidethecityarea "AsperActual"
(over35Km)
2.d) Otherincidentalexpenditure.(insurance,legal,etc)
"AsperActual"
2.e) Collectionofcoupon(onGovernmentcertificatesissuedbyother Rs.1,000pervisitpersite
banks/savingcentersunderlientous)
2.f) IssuanceofDeliveryOrdersagainstFinanceagainstImported
UptoRs.500/orasapprovedbythelineGroupHead.
Merchandise,CashCreditandallgoodsunderpledge.(Where
applicable)
2.g) IssuanceofNOC(customer'srequest)onrequestof
UptoRs10,000orasapprovedbythelineGroupHead.
customers/clientsforcreatingadditional/paripassu
charge/secondchargeontheirfixed/currentassetsforacquiring
furtherfinancefromotherBanks/FinancialInstitutions.
2.hi) Temporaryfinancingduetononpaymentonmaturitydateof
acceptanceliability,overdueFATR/FIM/FAPC/FAFB,anyother
liabilityarisingoutofunarranged/forcedsituation
Markup@Rs.0.60/per1000/dailyproductsonthebillamountshall
bechargedORasapprovedbytheSanctioningAuthority.Markupon
overdueFE25FinancingtobechargedasperLIBOR+3%
2h.ii) PenaltyforlatepaymentofMarkup
Fifteendaysbeyondtheduedatearegiventoservicemarkup.Should
themarkupnotbeenservicedwithinthosefifteendays,thenpenalties
asgivenaretobechargedattheflatrateindicatedonaperdaybasis
fortheentireperiodbeyondthegraceperiodduringwhichthemarkup
hasnotbeenserviced.Thisperiodwillnotincludethefifteenday
permissibleasgraceperiod.Incaseofpartialpaymentsrelevantslabas
perbalancedueshallbeapplicable.
2h.iii) PenaltyofLatepaymentofMarkuponExportRefinanceBills.
Slab(markupdue)Penaltyperday
UptoRs.500,000Rs.200/
b/wRs.500,001andRs.1,000,000Rs.450/
b/wRs.1,000,001andRs.2,000,000Rs.1,000/
b/wRs.2,000,001andRs.4,000,000Rs.1,800/
b/wRs.4,000,001andRs.5,000,000Rs.2,750/
AboveRs.5,000,000/Rs.5,000/
ForallcasesotherthatERF15daysbeyondtheduedatearegivento
servicemarkup.ForERFCasesthelatepenaltywillstartfromthedate
ofmaturity/DuedateofERFordateofdebitofBankAccountbySBP
whicheverisearlier.Relexation/waiverofthispenaltytobeallowedby
sancationingauthority.
2.i) BusinessCommitment&CompensatoryCommission
Ifapartyfailstopassoncommittedbusinessinwritingwhilegettingthe
creditLinesanctionedinitsfavour,thebankreservestherightto
recovercompensatorycommission(everytimeof
renewal/extension)maximumattherateof1.00%,totheextentof
shortfallinbusinesssocommittedtoberoutedthroughusoras
approvedbysanctioningauthority.
2j) ECIBReport
Rs40/perreport(recoverableatthetimeofprocessingoffresh
facilitiesORatthetimeofrenewalORlimitenhancementORthrough
EOL&OTT)oratthetimeofRestructuring/Reschedulingofthe
facility.
3 AlfalahKarobarFinance
i) Processingfee(UpfrontwithLAF)
ii) DocumentationCharges
iii) LegalCharges
iv) Propertyvaluationcharges
v) Business&Financialappraisalcharges
4. AlfalahMilkiatFinance
i) Processingfee(UpfrontwithLAF)
ii) LatePaymentCharges
iii) DocumentationCharges
iv) LegalCharges
v) Propertyvaluationcharges
vi) Business&Financialappraisalcharges
5. AlfalahQuickFinance
i) ProcessingCharges
ii) RenewalCharges
iii) LatePaymentCharges
6 EEZEEFinance
i) ProcessingCharges
ii) Renewal/EnhancementCharges
iii) LatepaymentCharges
Rs.2,500/
Actualcostofrevenueandspecialadhesivestamps
ActualchargesoflawyersontheBank'sapprovedpanel
ActualchargesofvaluatorsontheBank'sapprovedpanel
Rs.5,000/(flat)
Rs.7,500/or0.1%oftheloanamount,whicheverishigher
Rs.200/perdayafterbecomingoverdue
Actualcostofrevenueandspecialadhesivestamps
ActualchargesoflawyersontheBank'sapprovedpanel
ActualchargesofvaluatorsontheBank'sapprovedpanel
AtActual
Rs.1000/perapplication
Rs.200/perdayafter15daysofbecomingdue.
Rs.2,000/
Rs.1,000/
Rs.50/perdaytoberecoveredfrom16thdayafterduedate
B. LeaseFinance(Asperthearrangementwiththecustomer)
Processingchargeswillberecoveredonceforthecomplete
leaseperiod.
i) FrontEndFee
iii) DocumentationhandlingCharges/persanctionadvice
iii) TerminationCharges
a)Terminationtakeplaceinthefirstyear
b)TerminationtakeplaceintheSecondyear
c)TerminationtakeplaceintheThirdyear
d)TerminationtakeplaceintheFourthyear
e)TerminationtakeplaceintheFifthyear
(iv) CommitmentChargesforissuanceofBALletterofcomfort
(v) AdditionalLeaseRentals
(vi) ChequeReturnCharges
C. AlfalahRuralFinance
i) ProcessingFee
a)UptoRs.1.0M
1%ofLeaseAmountorasapprovedbythesanctioningauthority.
Rs.3000/
5%oftheprincipaloutstanding
orasapprovedbythelineGroupHead
NILchargesincaseofdamage/theftofleasedasset
0.5%percalendarquarterontheamountofLetterofComfort
0.1%perdayoftheoverduerentalamount
Rs.250/percheque
Rs.1,000/
b)AboveRs.1.0MtoRs.3.0M
Rs.2,000/
c)AboveRs.3.0MtoRs.5.0M
Rs.5,000/
c)AboveRs.5.0MtoRs.10M
Rs.10,000/
d)AboveRs.10M
Rs.15,000/
ii) Projectexaminationfee
iii) Commitmentfee
iv) LegalCharges
v) Propertyvaluation
vi) DocumentationCharges
vii) Latepaymentchargesondelayedmarkupservicingaftergrace
periodofonemonthfromduedate(exceptingMarkupup
payablebyPDDC)
i) AmountofoverduemarkupuptoRs.50,000/
ii) AmountofoverduemarkupexceedsRs.50,000/upto
Rs.250,000/
iii) AmountofoverduemarkupexceedsRs.250,000/
viii) a)Latepaymentchargesondelayedannualcleanup
b)Latepaymentofinstalments(TF)
c)LateadjustmentofPaidawariZaraiSahulat"DF
d)LatepaymentofrentalsunderLF
ix) AlfalahPasbanCashLine
a)ProcessingCharges
b)Renewal/EnhancementCharges
c)LatePaymentCharges
Maximum0.5%oftheprojectfacilityrequested.Applicabletoproject
financingonlyundernonfarm/noncropsector.
0.5%onunutilizedportionofsanctionedamount.ApplicabletoTF
Actualchargesoflawyersonthebank'sapprovedpanel
Actualchargesofvaluatorsonthebank'sapprovedpanel
Actualcostofrevenueandspecialadhesivestamps.
Rs.500/permonthorpartthereof
Rs.1000/permonthorpartthereof
Rs.2,000/permonthorpartthereof
1%p.a.latepaymentchargestoberecoveredontheoverdueamount
fortheoverdueperiodatthetimeofcleanup/paymentofinstalment/
rental
Rs.100/perdayafter15daysofbecomingdue.
BANKALFALAHLIMITED
JanJune2013
TRADESERVICES
JanJune2013
A. IMPORTS
1. LetterofCreditCommission
1.a)i) CashLetterofCredit
Basedonvolumesduringacalendaryear/currencyof
AnnualVolumeFirstQuarterEachsubsequentqtr
limit(s)andarrangementwithcustomer/groupincluding (calendaryear)(orpartthereof)(orpartthereof)
alliedaccounts.UptoRs.25M0.60%0.30%
'IncaseofrevolvingLCs,LCcommissionshouldbecharged uptoRs.50M0.45%0.25%
oneachshipment.
uptoRs.100M0.30%0.20%
aboveRs.100M0.20%0.15%
MinimumchargeRs.1,500/OrasapprovedbytheCreditDivision.The
annualvolumeshallbeascertainedonthebasisoffirmcommitment
(pastrecord)whichshallbedocumentedintheFacilityOfferLetter.
Uponfailuretoroutethecommittedbusiness,customershallpaythe
balancecommissioninaccordancetotheslabthatisapplicabletothe
actualvolumerouted.Thebalancecommissionwillberecoveredatthe
timeofrenewaloffacilities
1.a)ii) LCstobeissuedagainst100%cashmargin
Asperarrangementwiththecustomer
1.b)i) Letter of Credit under "Supplier Credit", PayAsYouEarn Commission at the time of opening of Letter of Credit at the rate upto
Scheme and Deferred Payment Letter of Credits for period 0.40% per quarter or part thereof upto final payment, Minimum
overoneyear.
Rs.2,000/ Commission to be charged on full amount of Letter of Credit,
that is, liability plus interest payable thereon for the period from date of
opening of Letter of Credit till its expiry; thereafter, commission will be
recovered on quarterly basis on outstanding / reduced liability as per
revisedScheduleofChargesapplicableasondate.
ii) In case of LG/Undertaking to be issued favouring NBP for Commission@1.6%perannumonreducingliabilitybasisoras
providing forward cover exchange risk under suppliers / approvedbythesanctioningauthority.MinimumRs.2,000/
buyerscreditonbehalfofapplicant.
1.c) RevalidationCommission
OnexpiryofLCwhenthesameisvalidatedrevalidationcommissionwill
berecoveredasisapplicableforopeningfreshLCasabove.NILifthe
revalidationperiodfallswithinthequarterforwhichtheLCcommission
hasalreadybeenrecovered.
1.d) TransferofLetterofCredittonewbeneficiary
WhenLetterofCreditistransferredtonewbeneficiary.Transfer
commissionwillbechargedasapplicableincaseofopeningfreshLetter
ofCreditas1.a)above.
1.e) LetterofCreditConfirmation/Cancellation Atactualincludingourincidentalcharges.

incasewherethechargesareonaccountofopener
1.f) LetterofCreditCancellation
Rs.1,500/plusSWIFTCharges
1.g) NonreimbursableLettersofCreditunderBarter/Aid/
Loans
1.h)
1stQuarter
1%perquarterorpartthereofMinimumRs.1,500/
SubsequentQuarter.
0.30%foreachsubsequentquarterorpartthereof.MinimumRs.2,000/
AcceptanceCommissiona)Rs.750perbilltobechargedatthetimeofretirementofbills.
IfbillsaretobedrawnatUsanceunderLettersofCredits
(b)Inaddition,commissionattherate0.15%permonthorpartthereof
tobechargedforanyperiodbeyondvalidityofLC.MinimumRs.500/.
However,nocommissiontobechargedifthematurity/paymentperiod
ofthebillsfallswithintheperiodforwhichLCopeningcommissionhas
alreadybeenrecovered.
1.i)i) Amendments
ii) Amendmentinvolvingincreaseinamountandon
extensioninperiodofshipment/negotiation
1.j) FormIhandlingcharges
2. ImportBills(UndersightLetterofCredit)
Rs.1,000peramendment(flat)
Rs.1,000pertransactionpluscommissionasperitem1.a)1.b)and1.f)
above.
Rs.25/perform
2.a) MarkuponImportBillsunderLetterofCreditMark-up@ Rs.0.55/- per 1,000/- daily products on the bill amount from
(OnDailyProductsfromthedateofnegotiation/Dateof the date of negotiation appearing on covering schedule/ value date,
wherever applicable OR as approved by the Credit Division.
debitauthority)
2.b) MarkuponimportbillsunderUsanceLetterofCreditif
notpaidbytheimporteronmaturitydate
2.c)i) If100%MargininCurrentAccountisblocked
ii) Advanceremittancetosuppliersabroadagainstimports.
Mark-up@ Rs.0.60/- per 1,000/- daily products on the bill amount shall be
charged OR as approved by the Credit Division.
NomarkuponImportBill
0.10%MinimumRs.1,000plusRemittancecharges
IncaseofremittanceagainstLC/contractnocommissionandonly
remmittancechargestoberecovered
3. ImportCollectionBills
3.a) Handlingcharges
Rs.1,000/(flat)inadditiontocorrespondentchargesasrealized.
3.b) ReturnedUnpaid
Rs.1,000/inadditiontocorrespondentbankcharges
4. ImportonConsignmentBasis
4.a) Contractregistrationforimport
0.10%MinRs.1,500/orasapprovedbyCreditDivision.
4.b) HandlingCharges
Rs.1,000/
5.
5.a)
5.b)
5.c)
i)
ii)
iii)
5.d)
OtherCharges
Postage
CourierService
SWIFTMessages
FullTextofLettersofCredit
BriefTextofLettersofCredit
BriefText/FaxamendmentofLCs/cancellation
Obtainingcreditreportsonsupplierfromcreditrating
agency
Rs.150orActual.Whicheverishigher.
UptoRs1,250/perapplication.
Rs.1,500/
Rs.600/
Rs.500/
AsperActualorRs.1000perreportwhicheverishigher.
5.e) CorrespondenceCharges,ifanywillberecovered.
AsperActual
5.f) Servicechargesagainstimporttransactionsi.e.Importbill 0.1%flatMinRs.750/orasperarrangementasapprovedbythe
(PAD),UsancebillsunderLetterofCredits,collectionand sanctioningauthority
consignmentbasis.
5.g HandlingofdiscrepantdocumentspresentedunderL/C
US$60(Tobedeductedfromtheproceedsofimportbillswhere
applicableortoberecoveredfromthepresentingbankifamountis
alreadyreimbursed).
5.h) Temporaryfinancingduetononpaymentonmaturitydate Markup@Rs.0.60/per1000/dailyproductsonthebillamountshall

ofacceptanceliability,overdueFATR/FIM/FAPC/FAFB,any bechargedORasperthearrangementapprovedbytheCreditDivision
otherliabilityarisingoutofunarranged/forcedsituation.
5.i) NonInterestbasedLCtransactions
a)Commissiontobechargedwherenointerest/markupisrecovered
onPAD,orasperthearrangementapprovedbytheCreditDivision
b)IncasesubstantialdepositismaintainedinCurrentAccount,Bankcan
allowopeningofLCwithoutrecoveringanycharges,orasperthe
arrangementapprovedbytheCreditDivision
5.j) IssuanceofNOCtootherBanksforBookingForeign
ExchangeoreffectingremittanceunderourL/Cor
registeredcontract.
6 CLPProcessingCharges,whereLCortraderelatedlimits
arebeingproposedonly
6a) Newfacility/Enhancement
6b) Renewal
Rs.1,000/perNOC
If a limit is primarily approved for a group where its group concerns are
allocated sublimits then the processing charges should be taken only
oncei.enotforeachcompany.
b
h
aboveRs.50MRs.3,500
orasapprovedbysanctioningauthority
6c) EOL/OTT
Rs.2,000
Note
IncasetheLetterofCreditliabilityincreasesbyvirtueofexchangeratefluctuationand/orduetoutilizationof'ForwardCover'
Facility(bythecustomer),bankreservestherighttorecoveraboveLetterofCreditcommissiononincreasedliabilityfortheun
expiredLetterofCreditperiod.
ChargesmaybecollectedinPakRupeeorForeignCurrencyinallcategories
Nomarkupwillbechargedonimportbillif100%cashmarginisdepositedinnonprofitbearingaccountatthetimeofopeningof
LetterofCredit.Markupwillalsonotbechargedif100%cashmarginisdepositedinnonprofitbearingaccountbeforethedateof
negotiation.Cashmarginheldbythebranchlessthan100%willbeignoredforthepurposeofchargingmarkuponbillamountfrom
thedateofnegotiationtillthedateoflodgement.However,proportionaterebateonmarginamountwillbeallowedwhile
calculatingmarkupfromthedateoflodgementtillthedateofretirement.
Bankreservestherighttochangetherateofmarkupatanystage,subjecttotheratenotexceedingratesnotifiedbytheStateBank
ofPakistan
BANKALFALAHLIMITED
JanJune2013
I
TRADESERVICES
B.
JanJune2013
EXPORT
1. LettersofCredit
1.a) Advising
Rs.1000(flat)
1.b) Amendment
Rs.750perAmendment
1.c) Confirmation
0.25%perquarterMinRs.1,000orasperarrangementapprovedbythesanctioningauthority
1.d) TransferofExportLetterofCredit
Rs.1,000/
1.e)L/Cpreadviceadvising
Rs.1,000/
2. ExportBills
2.a) Documentssenttootherbanksfornegotiationunder
restrictedLetterofCredit
Rs.1,000(flat)
2.b) ReimbursementpaymenttootherlocalbanksfromNon
Rs.1,000(flat)
ResidentPakRupeeAccounts/AsianClearingUnionaccounts.
2.c) NegotiationofRupeebillsunderExportLetterofCredit
0.25%Minimum.Rs.500/Markup@Rs.0.45/dayRs.1000/fromthedateofnegotiationtill
thedateofrealization
3. Collections
3.a) Cleanfinancialinstruments
Rs.200percollection
3.b) Documentary(onwhichbankdoesnotearnanyexchange
Rs.400percollection
income)
4. ServiceCharges
4.a) ServiceChargesagainstexportdocumentssentoncollection Paisas.12PerRs.100/.MinimumRs.600/
basiswherepaymentcoverisalreadyreceivedinBank's
ForeignCurrencyAccount/AdvancePayment.
4.b) ServiceChargesonResearch&DevelopmentSupport(RDS)
claimsofExporterfromSBP
Rs.1,000/flatorasapprovedbyCreditDivision.
4.c) Discrepantdocumentscharges
MinimumRs.2,000/
Maximum0.1%subjecttoceilingofRs.5,000/pluscourierchargesorasperarrangement
approvedbyCreditDivision.
4.d) Cleandocumentscharges
MinimumRs.1,000/
Maximum0.05%subjecttoceilingofRs.2,500/pluscourierchargesorasperarrangement
Rs.200/(SubjecttochangebyEPB)
4.e) Handlingfeeforfreightsubsidycases
4.f) ExportdevelopmentsurchargeHandlingFee
4.g) LaterealizationNegotiation(Sight)
Rs.80/(SubjecttochangebyEPB)
Ifproceedsnotrealizedwithin12daysthenmarkup@Ps.55perRs.1000/perdayistobe
chargedforanydelaybeyond12daysorasperarrangementsapprovedbyCreditDivision.
4.h) LaterealizationNegotiation(Usance)
Ifproceedsarenotrealizedonduedatethanmarkup@Ps.55perRs.1000/perdayistobe
chargedforanydelaybeyondthreedaysfromthedateofmaturity
IfproceedsarenotrealizedinourNostroaccountwithin12daysthenpenalty@Libor+4%is
tobechargedforanydelaybeyond12daysorasperarrangementsapprovedbyCredit
Division.
IfproceedsarenotrealizedwithinduedateinourNostroaccountthenpenalty@Libor+4%
istobechargedforanydelaybeyond3daysorasperarrangementsapprovedbytheCredit
Division.
4.i) LaterealizationofExportproceedsagainstNegotiation/
purchase/discounting(sightbills)inFE25Deposits.
4.j) LaterealizationofExportproceedsagainstNegotiation/
purchase/discounting(Usancebills)inFE25Deposits.
4.k) Handlingchargesinlieuofexchangeearningswherean
exportersellsforeignexchangetosomeotherbankwhile
documentsweresentforcollectionthroughBAFL.
0.10%,MinimumRs.1,000/
4.l) NOCissuingchargesforeachForm'E'.
Rs.100/perform
4.m) NOCforentitlementagainstEEstatement
Rs.1,000/perNOC
5.a) PenaltyofLatepaymentofMarkuponExportRefinanceBills. ForallcasesotherthatERF15daysbeyondtheduedatearegiventoservicemarkup.ForERF
Casesthelatepenaltywillstartfromthedateofmaturity/DuedateofERFordateofdebitof
BankAccountbySBPwhicheverisearlier.Relexation/waiverofthispenaltytobeallowedby
sancationingauthority.
Note
Anychargesinrespectofexportbusinessotherthanabovementionedarenottoberecovered.
AllStateBankofPakistanpunitivechargesrelatingtodelayedrepatriationoffundwillbedebitedtoCustomerAccount
BANKALFALAHLIMITED
JanJune2013
I
TRADESERVICES
JanJune2013
C FOREIGNBILLSPURCHASED/COLLECTION
1.a) Issuance(Traveller'sCheques)(ForeignCurrency)
1%onamountofTCssoldMinRs.200/
1.b) FCYCheques/Drafts/TCssentoncollection
0.20%MinUS$5plusactualpostagecharges(correspondentbankcharges
willbeextra,ifany)
1.c) RegistrationofStudentCase
$100firstyear,EveryRenewal$75plusapplicableremittancecharges
2. ForeignExchangePermits
2.a) FamilyMaintenance
Rs.1,000pertransaction
2.b) StudiesAbroad
Rs.1,000pertransaction
2.c) SBPapprovalsforcapitaltransfers,dividends,freight
Rs.1,500pertransactionplusremittancecharges
2.d) OtherApprovalsfromSBP
Rs.1,500pertransactionplusremittancecharges
3. OtherCharges
3.a) UnpaidItems
Inward:$12andOutward:$10orEqv.PKR
3.b) CorrespondentsCharges
Actual(ifanywillberecovered)
3.c) Postage
3.d) CourierService
3.e) FullTextSwift
Rs.150orActual,whicheverishigher.
Rs.2,000/=orActual,whicheverishigher.
3.f) BriefTextSwift
BANKALFALAHLIMITED
JanJune2013
I
D
TRADESERVICES
JanJune2013
INLANDLETTERSOFCREDIT
1. LetterofCredit
1.a) Issuance
1.b)i) Amendments
0.4%perQuarterorpartthereof.MinimumRs.1,500/oras
Rs.1,000(flat)peramendment
ii) Amendmentinvolvingincreaseinamountandorextension Rs.1,000peramendmentpluscommissionasperitemnumber.

1.a)above.
inperiodofdispatch/delivery/negotiation.
1.c) Advising
Rs.1,000/flatperLetterofCredit
1.d) AcceptanceCommission
a)Rs.500(flat)perBillchargedatthetimeofretirementofbills.
b)Inaddition,commissionattherateupto0.125%permonthfor
anyperiodbeyondthevalidityofLetterofCredit.MinimumRs.500
1.e) ServicechargesonretirementofSight/Usancebills
1.f) Confirmation/Cancellation
0.10%(flat)MinimumRs.750/orasperthearrangementapproved
bytheCreditDivision
IncaseofConfirmation 0.25%perquarterorpartthereofMinimum
Rs.500IncaseofCancellationAsperactual
1.g) Discrepancychargesincaseofsight/usancebillsunderinland Rs.1,000/flat.

L/c
2. Collection
2.a)Documentary
2.b) Clean(includingcheques)
0.30%MinimumRs.750orasapprovedbytheCreditDivision.
0.15%,maximumRs.5,000andMinimumRs.100forinstruments
drawnoncitieswhereBALhasabranch,forothercitiesMinimum
Rs.300.
NocourierchargesforchequessentoncollectiontoBanks
situatedinsameTehsil
3. PurchaseofBills/Chequesetc.
3a)i) DocumentaryBillsotherthanthosedrawnagainstLetterof 0.45%MinRs.200/plusmarkupfromthedateofpurchasetothe
Credit
dateofpaymentandcouriercharges
ii) Throughbranchesofourbank
3.b)i) CleanBills/TradeCheques
ii) Throughbranchesofourbank
3.c)i) PurchaseofUsanceDraftunderUsanceLetterofCredit
Asperarrangementwiththecustomer.
0.45%MinRs.200/plusmarkupfromthedateofpurchasetothe
dateofpaymentandcouriercharges
Asperarrangementwiththecustomer.
Usualcommissionasat3(a)abovePlusmarkup/Markdownfrom
thedateofpurchasetillthedateofpayment:
ii) Markupifretiredupto21stday
46paisasperRs.1,000/perday
iii) Markupifretiredduringnext210days
55paisasperRs.1,000/perday
OrAsperarrangementapprovedbythesanctioningauthority
3.d) DividendWarrantsetc.
0.60%MinRs.50/
3.e) NegotiationatSight
0.25%MinRs.500/
3.f) CollectionChargesforUsanceBills
0.40%perbillMinRs.500/
4. Unpaiditems
4.a) ReturningCharges:
i) DocumentaryBills
Rs.400perbill
ii) CleanBills
5. OtherCharges
5.a) Collectionagentcharges.
5.b) Postage
5.c) Telex
5.d) StorageCharges
Rs.400perbill
Asper Actual
Rs.100
Rs.500(full)
Rs.50perpackperday
Note
Collectingagentcharges,ifthecollectingbankisdifferent,willbeextra
Other'outofpocket'expenseswillbechargedatactual
BANKALFALAHLIMITED
JanJune2013
II
REMITTNACES
JanJune2013
INWARD/OUTWARDREMITTANCES(Foreign)ANDCHEQUEPURCHASE
1.a) OutwardT.TthroughDebitofAccount
US$25oreqvPKRplusSWIFTchargesUS$5oreqvPKR
"0.3%willalsobeapplicableiftheamountisnotretainedintheaccountfor15
days.
1.b) DemandDraftthroughDebitofAccount
US$15orequivalentPKR+SWIFTCharges
"0.3%willalsobeapplicableifamountisnotretainedintheaccountfor15days
1.c) IssuanceofduplicateFDD
US$10orequivalentPKRplusActualSWIFTCharges
CancellationofFDD/FTT/FMT
StoppaymentofFDD
1.d) Inward:
Ifproceedsarecreditedtoanaccountmaintainedwithus
Nil
Others
1.e) Receivedfromabroadorlocalbank'sbranches&wherepaymentis
demandedinForeignCurrency
1.f) HomeRemittance
US$5orequivalent.
MinimumUS$3MaximumUS$6plusActualSWIFTchargesarerecoverablefrom
collectingbanktobedeductedfromtheproceeds
Nil,ifproceedsarecreditedtoanaccountwithus
1.g) Others
Rs.50plusMoneyOrder/Telegramcharges
REMITTANCES(Domestic)
1.a)
PayOrder
PO/ManagerCheque
forA/cHolders:
Rs.75uptoofRs.1M
AboveRs.1MFree
ForNonA/cHolder:0.2%orMinimumRs.1,500/.
DD(DemandDraft)
orA/cHolders:
Rs.75uptoofRs.1M
AboveRs.1MFree
ForNonA/cHolder:0.2%orMinimumRs.1,500/.
POforpaymentoffees/duesinfavourofeducationalinstitution,HEC/Board 0.50%offees/duesorRs.25perinstrumentwhicheverisless
etc.
1.b) CancellationofPayOrder
Rs.200(flat)
StopPaymentofPayOrder
Rs.300(flat)
1.c) IssuanceofDuplicatePayOrder
Rs.200(flat)
1.d) IssuanceofDrafts,MTs,&TTs
1.d(i) Drawnonus:
(Courier/PostagechargesarenotapplicableincaseofissuanceofDD/MT/TT)
AboveRs.1MillionNil
1.d(ii)
i)
ii)
iii)
Drawnonotherbanks:
UptoRs.10,000
FromRs.10,001toRs.100,000
FromRs.100,001toRs.1,000,000
iv) FromRs.1,000,001toRs.2,000,000
v) OverRs.2,000,000
DDforpaymentoffees/duesinfavourofeducationalinstitution,
HEC/Boardetc.
1.e)i CancellationofDDs/TTs/MCs
0.075%MinimumRs.500
0.015%MinimumRs1,000
0.50%offees/duesorRs.25perinstrumentwhicheverisless
Rs.200(flat)percancellation
ii) IssuanceofDuplicateDD/MCs
Rs.200(flat)peritem
iii) StopPaymentofDD/MCs
Rs.300/perinstrument
1.f) IssuanceofSBP/NBPCheque(ifpermissiblebySBP)
1.g) RTGSCharges
MondaytoFriday
Saturday
Note
0.25%MinimumRs.50
0.20%MinimumRs.100
0.10%MinimumRs.200
Rs.500pertransaction
9.30amto1.30pmRs.220/1.30pmto3.00pm
Rs.330/3.00pmto4.00pmRS.550/
(SubjecttoTreasuryapproval)
9.30amto11.30am220/
11.30amto12.30pm330/
(SubjecttoTreasuryapproval)
IfaPartyMaintainingAverageMonthlyBalanceofRs100,000inaCurrentAccount,NochargeswillbedeductedfortheissuanceofPO,DD,MCsandTTdrawnon
anyBankAlfalah'sBranch.
JanJune2013
IV
A
CONSUMERBANKING
VISA/MasterCard
1 CreditCardOperations
(i) ServiceFee
(ii) LateFee:
(iii) MerchantDiscountCharges
(iv) VisaMinicardFee
(v) CashWithdrawalFee:
a) Cashadvancefee/Call&Payfee:
b) Acquiringbankcharges
c) Counterfeeofothercards
(vi) Cheque/Cashpickupfee:
(vii) Overlimitfee:
(viii) Voucherretrievalfee:
(ix) Cardreplacementfee/UpgradeFeeexcept
PlatinumCardUpgradationFee
(x) Chequereturncharges/RejectedAutopay
servicefee
(xi) StepbyStep/CreditonPhonetoSBS
processingcharges
(xii) StepbyStep/CreditonPhonetoSBS
prematuresettlementcharges
(xiii) CreditCoverPremium
(xiv) Utilitybillpayment
(xv) VisaPlatinum/TitaniumPriorityPassFee:
a) AnnualFee
b)AirportloungeVisitFee
(xvi) SMSAlertFee
(xvii) MobileBankingFee
(xviii) MerchantCashAdvanceIncentive
(xix) MobilePINissueCharges
(xx) Foreigntransactions
JanJune2013
3.33%Permonth(40%APR)onCashAdvance
3.33%permonth(40%APR)onRetailTransactions
2%permonth(24%APR)onBTFTransactions
1.75%permonth(21%P.A.flatrate)onSBSTransactions(APR
31.50%to40.86%)
SBSFactors&APRdetails:
instalmentPlanFactorAPR
3months0.350833031.50%
6months0.184167036.00%
9months0.128611037.80%
12months0.100833038.77%
18months0.073056039.79%
24months0.059167040.32%
30months0.050833040.65%
36months0.045278040.86%
0.99%permonth(11.88%P.A.flatrate)onBTFtoSBSTransactions
(APR17.82%to23.12%)
BTFtoSBSFactors&APRdetails:
3months0.34323317.82%
6months0.17656720.37%
9months0.12101121.38%
12months0.09323321.93%
18months0.06545622.51%
24months0.05156722.81%
30months0.04323322.99%
36months0.03767823.12%
24%APRonCreditonPhonetoSBSTransactions
CreditonPhonetoSBSFactors&APRdetails:
3months0.3467524.00%
6months0.1785324.00%
9months0.1225224.00%
12months0.0945624.00%
18months0.0667024.00%
24months0.0528724.00%
30months0.0446524.00%
36months0.0392324.00%
Rs.1,000or10%ofminimumamountwhicheverishigher
Upto5%ofTransactionamount
Rs.500/percard
Rs.750/or3%ofcashadvanceamountwhicheverishigher.
1%ofcashadvanceamount
1%ofcashadvanceamountorRs.300whicheverishigher
Rs.200/(availableincitieshavingBankAlfalahbranches)
2%OftheoverlimitamountorRs.1,000/whicheverishigher
LocalRs.350/andinternationalRs.800/
Rs.500/
Rs.800/
Rs.500or2.5%oftransactionamountwhicheverishigher
5%onbalanceamountorRs.1000whicheverishigher
0.55%ofoutstandingamount
Rs.25/perutilitybill(throughATM)
Rs.30/perutilitybill(Below5,000throughCall)
Rs.50/perutilitybill(Above5,000throughCall)
US$10.00
US$31.80pervisit
Rs.50/permonth
Rs.100/permonth
Rs.25/pertransaction
Rs.10/perPIN
Upto5%overprevailingmarketrateorasperSBPdirective.Third
currencytransactionswillbefirstconvertedintoUSDollarsasper
ratequotedunderarrangementwithVisaandMasterCard.Cross
bordertransactionfeewillalsobechargedasperVisa/MasterCard
rules
(xxi) ArbitrationCharges
US$500/
(xxii) InsuranceCancellationCharges
Rs.100/
(xxiii)
(xxiv)
(xxv)
(xxvi)
PlatinumCardIssuanceFee
PlatinumSupplementaryCardIssuanceFee
PlatinumCardUpgradationFee
PlatinumSupplementaryCardUpgradationFee
Rs.2,000/
Rs.1,000/
Rs.1,500/
Rs.1,000/
InternetCharges
RewardPointBookletCharges
VirtualCardIssuanceFee
BTFProcessingFee
DirectDebitEnrollmentFee
ChipMaintenanceFee(PerYear)
Rs.100/(Persession)
Rs.300/(PerBook)
Rs.100/
Rs.200
Classic(Basic)Rs.750
Classic(Supplementary)Rs.500
Gold(Basic)Rs.1,000
Gold(Supplementary)Rs.750
Platinum(Basic)Rs.1,500
Platinum(Supplementary)Rs.1,000
Titanium(Basic)Rs.1,250
Titanium(Supplementary)Rs.800
(xxvii)
(xxviii)
(xxix)
(xxx)
(xxxi)
(xxxii)
2 AWAMIVISA/MASTERCARD
(i) ServiceFee
(ii) LateFee
(iii) MerchantDiscountFee
(iv) CashWithdrawalFee
a)Cashadvancefee/Call&Payfee
b)Acquiringbankcharges
c)Counterfeeofothercards
(vi) Cheque/Cashpickupfee:
(vii) OverLimitFee
(viii) Voucherretrievalfee:
(ix) Cardreplacementfee/UpgradeFee:
(x) Chequereturncharges/rejected.Autopay
servicefee
(xii) StepbyStep/CreditonPhonetoSBS
processingcharges
(xiii) StepbyStep/CreditonPhonetoSBS
prematuresettlementcharges
(xiv) CreditCoverPremium
(xv) Utilitybillpayment
(xvi) SMSAlertFee
(xvii) MobileBankingFee
(xviii) MerchantCashAdvanceIncentive
(xix) DocumentationFee
(xx)MobilePINissueCharges
(xxi)Foreigntransactions
(xxii)ArbitrationCharges
(xxiii) InsuranceCancellationCharges
(xxiv)RewardPointBookletCharges
(xxv)BTFProcessingFee
(xxvi)DirectDebitEnrollmentFee
JanJune2013
3.33%Permonth(40%APR)onCashAdvance
3.33%permonth(40%APR)onRetailTransactions
2.00%permonth(24%APR)onBTFTransactions
1.75%permonth(21%P.A.flatrate)onSBSTransactions(APR
31.50%to40.86%)
SBSFactors&APRdetails:
3months0.350833031.50%
6months0.184167036.00%
9months0.128611037.80%
12months0.100833038.77%
18months0.073056039.79%
24months0.059167040.32%
30months0.050833040.65%
36months0.045278040.86%
0.99%permonth(11.88%P.A.flatrate)onBTFtoSBSTransactions
(APR17.82%to23.12%)
BTFtoSBSFactors&APRdetails:
3months0.34323317.82%
6months0.17656720.37%
9months0.12101121.38%
12months0.09323321.93%
18months0.06545622.51%
24months0.05156722.81%
30months0.04323322.99%
36months0.03767823.12%
24%APRonCreditonPhonetoSBSTransactionsCredit
onPhonetoSBSFactors&APRdetails:
3months0.3467524.00%
6months0.1785324.00%
9months0.1225224.00%
12months0.0945624.00%
18months0.0667024.00%
24months0.0528724.00%
30months0.0446524.00%
36months0.0392324.00%
Rs.500/or10%ofminimumamountwhicheverishigher
Upto5%oftransactionamount
Rs.400/or3%ofcashadvanceamountwhicheverishigher
1%ofcashadvanceamountorRs.300/whicheverishigher
2%oftheoverlimitamountorRs.500/whicheverishigher
LocalRs.350/andinternationalRs.800/
Rs.250/
Rs.400/
5%onbalanceamountorRs.1000whicheverishigher
Rs.15/perutilitybill
Rs.50/permonth
Rs.5/pertransaction
Rs.500/
Rs.10/perPIN
5%overprevailingmarketrateorasperSBPdirective.Thirdcurrency
transactionswillbefirstconvertedintoUSDollarsasperratequoted
underarrangementwithVisaandMasterCard.Crossborder
transactionfeewillalsobechargedasperVisa/MasterCardrules
US$500/
Rs.100/
Rs.300/(PerBook)
Rs.200
3 CORPORATECREDITCARD
(i) Servicefee:
(ii) LateFee:
(iv) CashWithdrawalFee:
(a) Cashadvancefee
(b) Acquiringbankcharges
(v) Cheque/Cashpickupfee:
(vi) Overlimitfee:
(vii) Voucherretrievalfee:
(viii) Cardreplacementfee:
(ix) Chequereturncharges/RejectedAutopay
servicefee
(xi) CreditCoverPremium
(xii) Utilitybillpayment
(xiii) PriorityPassFee:
a)AnnualFee
(xiv) SMSAlertFee
(xv) MobileBankingFee
(xvi) MerchantCashAdvanceIncentive
(xvii) MobilePINissueCharges
(xviii)Foreigntransactions
(xix)ArbitrationCharges
(xxii) InternetCharges
(xxiii) RewardPointBookletCharges
(xxiv) VirtualCardIssuanceFee
(xxv) AnnualFee
(xxvi) CardRenewalFee
JanJune2013
2%permonth(24%APR)onCashAdvance
2%permonth(24%APR)onRetailTransactions
Rs.1,000or10%ofminimumamountwhicheverishigher
Rs.750/or3%ofcashadvanceamountwhicheverishigher.
2%OftheoverlimitamountorRs.1,000/whicheverishigher
LocalRS.500/andinternationalRs.1,000/
Rs.2,000/
Rs.1,000/
US$10.00
US$31.80pervisit
Rs.50/permonth
Rs.100/permonth
Rs.10/perPIN
rules.
US$500/
Rs.100/(Persession)
Rs.300/(PerBook)
Rs.100/
1to5cards2,500/percard
16andabovecards750/percard (Noannualfeetobechargedin
theyear,whereCardIssuanceFeeorCardRenewalFeehasbeen
charged)
16andabovecards750/percard
(xxvii) CardIssuanceFee
(xxviii) DirectDebitEnrollmentFee
(xxix) ChipMaintenanceFee(PerYear)
16andabovecards750/percard
Rs.200
Rs.750/forPrincipalMember,Rs.500forSupplementaryCard
4 PREPAIDCARD
JanJune2013
4a GIFT/VIRTUAL/TRAVEL/REMITTANCECARD
i) CardIssuanceFee
(ii) Cardreplacementfee:
(iii)Voucherretrievalfee
(iv) CashWithdrawal
a)FromBankAlfalah'sATM
b)From1LinkmemberbankATM
c)FromMNETATM
d)FromVisamemberbankATM
e)FromNonBankAlfalah'sPOSMachine
(v) BalanceEnquiry:
c)FromMNETATM
(vi) MobilePINissuanceCharges
(vii) SMSAlertFee
(viii) MerchantCashAdvanceIncentive/calland
payfee
(x) Acquiringbankcharges
(xi) Chequereturncharges/rejected.Autopay
servicefee
(xiii) Utilitybillpayment
Rs.100/
Rs.200/
LocalRs.350/andInternationalRs.800/
NIL
Rs.300or3%ofcashwithdrawalamount,whicheverishigher.
NIL
NIL
Rs.5/perenquiry
Rs.25/perenquiry
Rs.10/perPIN
Rs.50/permonth
(xiv) ReloadFee
(xv) InternetCharges
(xvi) ChequeBookIssuanceCharges
(xvii) Foreigntransactions
Rs800
Rs.100/
Rs.100/(Persession)
Rs.300/
rules
(xviii) ArbitrationCharges
US$500/
4b PAYROLL/MERCHANTCARD
i) CardIssuanceFee
(ii) Cardreplacementfee:
(iii)Voucherretrievalfee
JanJune2013
NIL
Rs.200/
LocalRs.350/andInternationalRs.800/
(iv) CashWithdrawal
c)FromMNETATM
e)FromNonBankAlfalah'sPOSMachine
BalanceEnquiry:
c)FromMNETATM
(vi) MobilePINissuanceCharges
(vii) SMSAlertFee
(viii) MerchantCashAdvanceIncentive/calland
payfee
(x) Acquiringbankcharges
(xi) Chequereturncharges/rejected.Autopay
servicefee
(xiii) Utilitybillpayment
NIL
NIL
NIL
Rs.5/perenquiry
Rs.25/perenquiry
Rs.10/perPIN
Rs.50/permonth
(xiv) InternetCharges
(xv) ChequeBookIssuanceCharges
(xvi) Foreigntransactions
Rs.800
Rs.100/(Persession)
Rs.300/
rules
(xvii) ArbitrationCharges
US$500/
5 DEBITCARD:
(i) CardIssuancefee:
a)SupplementarycardIssuance/Renewalfee
b)SupplementaryRoyalPlatinumDebitCards
Issuance/RenewalFee
c)SupplementaryAlfalahKarobarFinance
DebitCardsIssuance/RenewalFee
(ii) a)BasicCardreplacementfee:
b)RoyalPlatinumDebitCardsreplacementfee
c)AlfalahKarobarFinanceDebitCards
replacementfee
(iii) Voucherretrievalfee
(iv) Cashwithdrawal:
c)FromMNETATM
e)FromBankAlfalah'sPOSMachine
f)FromNonBankAlfalah'sPOSMachine
(v) BalanceEnquiry:
c)FromMNETATM
(vi) ThirdPartyTransfersFee
a)InterBankFundsTransfer
b)InterBranchFundsTransfer
vii) SMSAlertFee
viii) VirtualCardIssuanceFee
(xi) Utilitybillpayment
(xii) PriorityPassFee:
a)AnnualFee
(xiii) AnnualFee
(xiv) Foreigntransactions
(xv) ArbitrationCharges
JanJune2013
Rs500
Rs.1000/
Rs.750/
Rs.500
Rs.1000/
Rs.750/
LocalRs.350andinternationalRs.800
NIL
Rs.15/pertransaction.
Rs.15/pertransaction.
NIL
NIL
NIL
Rs.5/perenquiry
Rs.25perenquiry
Rs.50/permonth
Rs.100/
US$10.00
US$31.80pervisit
Rs.300/perClassic/AKKDebitCardPerYear
Rs.500/perGold/AKFDebitCardPerYear
Rs.1,000/perRoyalPlatinumDebitCardPerYear
rules
US$500/
B AlfalahCarFinancing/ConsumerCarLease
Finance
i) Processing&documentationchargesper
application
ii) Evaluationchargesofpreownedandimported
vehicles
iii) RegistrationServiceCharges
iv) PrematureTerminationCharges
12orlessinstallmentsremaining
13to24installmentsremaining
v) Chequereturnorrejectedautopaycharges
vi) Penaltyonlatepayment
vii) Penaltyonlateinsurancepremium
viii) Vehiclerepossessioncharges
ix) Surveychargesforrepossessedvehicle
x) Warehousechargesforrepossessedvehicle
JanJune2013
Rs.4,500/
UptothemaximumofRs.2,000/=(Costatactual)
UptothemaximumofRs.3,000/=
Rs.500/
Rs.100perdayormaximumofRs.1,000permonthperinstallment
Rs.300/permonth
ActualincurredbythebankuptoamaximumofRs.75,000/
Rs.1,000permonth
xi) Comprehensiveinsurancecharges
Costatactual
xii) Trackerinstallationandmonitoringcharges(if Costatactual
installedbythecustomer)
xiii) TrackerManagementCharges(ifinstalledby Uptothemaximumof2%perannumofthevalueofthevehicle.
theBank)
xiv) WaiverforemployeesoftheCompaniesin
Markupwaiverofupto1%belowstandardmarkupratesandupto
75%waiveronprocessingcharges
Category"A"
xv) WaiverforexistingAutocustomerssubjectto Upto1%belowstandardmarkuprates.
satisfactoryrelationshipandrepaymentinAuto
finance
xvi) IncomeEvaluatorCharges(ifapplicable)
xvii) Specialpromotion/alliancewithauto
Markupwaiverofupto1%belowstandardmarkuprates.
manufacturers
C AlfalahHomeFinance
i) ProcessingFee
a)UptoRs.1.0Million
b)AboveRs.1.0MilliontoRs.5.0Million
c)AboveRs.5.0MilliontoRs.10Million
d)AboveRs.10MilliontoRs.25Million
e)AboveRs.25MilliontoRs.50.00Million
ii)DocumentationCharges
iii)
JanJune2013
Rs.5,000/
Rs.10,000/
Rs.15,000/
Rs.20,000/
Rs.30,000/
AtActuals,includingstampduty,chargesforlegaldocumentation,
onsiteinspectionduringconstruction,lawyer'sfeeandcharge
registrationfee,asadvisedbytherelevantagencies/persons.
LatePaymentChargesforFinanced/Disbursed
Loanamount
a)UptoRs.1.0Million
Rs.500/perlatepaymentpermonth
b)AboveRs.1.0MilliontoRs.5.0Million
c)AboveRs.5.0MilliontoRs.10Million
Rs.1,000/perlatepaymentpermonth
d)AboveRs.10MilliontoRs.25Million
e)AboveRs.25MilliontoRs.50.00Million
iv) PenaltyonBTF
v) EarlySettlementPenalty
Upto6%ofoutstandingamount(ifloantransferredtoanother
lender)
6%ifPaidwithinoneyearwithownresources,and3%afterthefirst
year.
vi) Balloon/Partialpayments
Balloon/Partialpaymentsaggregatingover&above40%ayearare
Maximumtwoallowedinayearwitha
allowedsubjecttopaymentofuptoa3%surchargeonadjusted
minimumof10%&maximumof40%ofthe
amount
outstandingbalance
vii) AdjustmentofplotpurchaseLoan(Without
Upto6%ofoutstandingamount
Construction)
viii) Incasethedelayoccursonpartofthe
AtActual
customerinavailingthefacility,thefollowing
freshreports(Ifrequired)shallbeobtainedat
hiscost:
valuationreport,Incomeestimationreport.
Rs.2,500/
ix) FeeforRevalidationofMortgagesPromising
Letter,ifthesameisnotconvertedintoa
CLP/FormalLoanApproval,withintwomonths
ofitsissuance.
x) Allrelatedchargeslike;ChequeReturnFeeetc,
asapplicableingeneralbankingarepayable.
xi) IncomeEstimationwhereverapplicable/
uptoRs.10,000/asperthesizeofthefacility
required
Note:
Thesechargesaresubjecttochangeonhalfyearlybasis.Howevertermsandconditionsoncespecificallyofferedinindividualcasesforthewhole
tenureoftheloanwillremainunchanged/unaffected.YoumaycollectthelatestcopyofScheduleofChargesfromanyofthenearest BAFL
branch.
AllGovt.leviesonallabovechargesorotherwisewillbepayablebytheapplicant/borrower.
AllGovt.leviesonallabovechargesorotherwisewillbepayablebytheapplicant/borrower
BANKALFALAHLIMITED
JanJune2013
III.
FINANCES/ADVANCES
D.
JanJune2013
GUARANTEES
CLPsforguaranteesaresubjecttoprocessingchargesas
mentionedin1.C.AdvancesectionCLPprocessing
charges.
1.a) GuaranteesissuedtoshippingcompaniesinlieuofBillsof
Lading,AirwaysBillandRailwayreceipt
Rs.1,500/(flat)against110%cashmargin.Thecashmarginmaybereducedto100%by
sanctioningauthorityinviewofcustomerrelationship
1.b) GuaranteesissuedtoCollectorofCustomsinlieuof
paymentofExportduty,whichremainsvalidfor6months
0.60%perquarterorpartthereofMinimumRs.1,500orasperthearrangementapproved
bysanctioningauthority.
1.c)
GuaranteessecuredagainstCash/Cashcollaterals
(Deposits/GovernmentSecurities,etc)
Against100%cashmargin:Rs.1000/flat
Against100%DepositUnderLien:Negotiable(Min.Rs.1,000/)
Againstcollateralsotherthan100%cashmargin&currentaccount:
0.30%perquarter.MinimumRs.1,250/orasperthearrangementapprovedbytheby
sanctioningauthority.
AllguaranteesissuedbyBankAlfalahagainstthereceiptofcounterguaranteefrom
CorrespondentBankscounterguarantees,thecommissionchargedtothecustomers
wouldbedeterminedandapprovedbyFinancialInstitutionDivision
1.d) OtherGuarantees
1.e) Issuedatotherbank'srequestinPakistan
1.f) AgainstForeignBank'sGuarantees
1.g)i) AmendmentsofGuarantees
ii) IncreaseinamountandorExtensioninperiod
AnnualVolumePricing'UptoRs.50M
0.40%UptoRs.150M*min0.35%
UptoRs.300M*min0.30%'Minimum
Rs.1,500/The
aboverelaxtionsfrom0.40%pershallbeallowedbysanctioningauthoritybasedonthe
cashmargin%andothercreditriskfactors.'
Forallowingsuchpriviligedratestheacommitmentlettershallbetakenfromthe
customerandplacedonrecord.WhileexecutingrenewalofthefacilitytheCreditmarketin
AsapprovedbytheCreditDivision
AsapprovedbyFIDplusrespectiveGroupHead
Rs.1,000peramendment
Commissionasperitem1.d)above
1.h) ServiceChargesforhandlingclaimlodgmentagainstLGsby Rs.2,500/plusActual

thebeneficiary
Note
AllGuaranteesIssuedbybankwillcontainspecificamountandexpirydateandadatebywhichtheclaimsaretobelodged,exceptopenended
GuaranteeissuedincompliancewithSBPinstructions.
CommissiontobechargedfromthedateofissuetillexpiryofLettersofGuarantees.Incaseofopenendedguarantee,commissionwillcontinueto
bechargedtillsuchtimethebankisreleasedfromitsliabilityundertheGuarantees,whicheverislater.
BANKALFALAHLIMITED
JanJune2013
V
MISCELLANEOUS
JanJune2013
SALE/PURCHASEOFSECURITIES,SAFECUSTODY,ARTICLESINSAFEDEPOSITANDSAFEDEPOSITLOCKERS
A
1. SafeDepositLocker
1.a) Feeforsafedepositlockers
(Toberecoveredinadvanceoratcommencementoftheperiodfora
year
i) Small
*RentRs.2,000/perannum
orlifetimefreelockerfacilityondepositofRs.30,000/KeyDeposit.
Refundableincaseofsurrenderofthelockerfacility.
ii) Medium
iii) Large
*DepositormaintainingdepositmonthlyaveragebalanceofRs.2millionorUS$25,000incurrentaccountormonthly
1.b) KeyDeposit(inadvancetoberefunded Equivalenttoannualrentofthreeyearsaccordingtothesizeofthe
ontermination)
locker.Notapplicableincaseoflifetimefreelockerfacility.
1.c) Breaking
ActualCostofbreakingPlusRs.1,000perlockerforalllockerSizes.
1.d) LateFee(LockerRental)
Rs.200/permonthorpartthereofforalllockersizes.
1.e) LockerfacilityforstaffofBankAlfalah Staffwillbeallowedonelockerfreeofkeydepositwhilerentwillbe

50%oftheprescribedrate.Latepaymentfeeswillhoweverbe
Ltd.
chargedatregularrates.
2. Sale/PurchaseofSecurities
2.a) Sale/Purchaseofshares
0.125%onthefirstRs.10,000ofpurchasepriceorcostthereof.
MinimumRs.50and0.10%onamountexceedingRs.10,000or
MinimumRs.75
2.b) WithdrawalFee
0.50%onthefirstRs.10,000ofthepaidupvalueMinimumRs.50and
i) Withdrawalfeeonshares/securities
heldinsafecustody(toberecoveredat 0.15%onamountexceedingRs.10,000MinimumRs.100
timeofwithdrawal)
ii) WithdrawalfeeonGovt.securities
Rs.5perscrip
wheresharesand/orsecuritiessoldare
fromthoseheldinsafecustody,either
commissiononsaleofsharesecurities
asshownagainstitem2.a)or
withdrawalfee,asshownagainstitem
(2b)(i)and(ii)whicheverishigher,will
becharged.
Collectionofprofit/returnanddividend 0.5%ontheamountofinterest/return/dividendcollected/paid
includingdepositcertificateIssuedbyGovernmentagenciesMinimum
Rs.50
Rs.25perscrip.Rs.50(flat)incaseofDepositCertificateissuedby
2.d) Handlingchargesfor(convensing
renewal/consideration/subdivisionof Governmentagencies
Govt.Securities.
2.e) IssuanceofRupeeTravellersCheque
3. ArticlesinSafeCustody
3.a) SharecustodialservicesofCentral
DepositoryCompanyofPakistanLtd.
3.b) Boxes&Packages
3.c) Envelopes
Rs.10/perRTC
ActualchargeschargedbyCDC,plus1.0%ofsharevalueonthefirstof
everymonthorPs.5pershareeachmonth,whicheverishigher
(payableupfront,inadvance)
Rs.1.00per100cubicinchesoranypartthereofwithaMinimumof
Rs.200
Rs.0.50per25squareinchesoranypartthereofwithaminimumof
Rs.100
4. IssuanceofCertificateforSafeItems
4.a) IssuanceofDuplicateSecurities
Rs.1,000(flat)
5. InvestmentPortfolioSecurities
5.a) BalanceuptoRs.1million
NIL
BalanceaboveRs.1million
NIL
5.b) Transactioncharges
NIL
5.c) IPSStatement
NIL
Commissionwillnotberecoveredonpurchaseofnewlyfloatedsecurities,whereitisnotpayablebythe
Whenordersforpurchase/saleofshare/securitiesareexecutedthroughthebank'sotheroffices,allincidental
Theabovechargesareinadditiontobrokerage.
B)
MISCELLANEOUSCHARGES
1. BalanceConfirmation
1.a) Balanceconfirmationcertificate
Rs.250(flat)
1.b) Balanceconfirmationtoauditors
Rs.500
1.c) SMS Alerts charges for branch banking Rs.50/PerMonth

customers.
2 Statements/Advices
2.a) Statementofaccountonrequest
(includingduplicate):
Rs.35perstatement
2.b) DuplicateAdviceCharges
Rs.50percopy
3. Cheques/ChequeBooks
3.a) IssuanceofNewChequeBook
CA(LCY/FCY)&AKK,BasicBanking:Rs.6/perleaf.
(waiverforAKK&CAPKRasperproductgrid)
AlfalahKifayat:Rs.7/perleaf
Saving(LCY/FCY)&RoyalProfit:,PocketMoneyAccount&Care
Account:Rs.8/perleaf
3.b) FormBcharges
Rs.250plussameasabovenewchequebookcharges
3.c) StoppaymentofCheques
Rs.300/perchequemaximumRs.1,000/perrequest(ifallcheques
pertaintosamechequebook).NoreturnedChequechargesshallbe
deductedfromcustomersforinstrumentsonwhichStopPaymenthas
beenmarked.
3.d) StoppaymentoflostChequeBook
4. Clearing
4(a) PakRupeeClearing
i) Samedayclearingcharges
ii) Intercityclearingcharges
iii) ChequeReturnedUnpaid
InwardClearing(appliesonIntercity
Clearingaswell)
OutwardClearing(excludingOBC)
CashChequesreturned
OBCreturncharges
Inwardbillforcollection,returned
unpaid
4(b) US$Clearing
OutwardClearing
Rs.1,000orUS$12orequivalentPKRforFCA
Rs.300/perinstrument
"AsperActual"
Rs.400/percheque.
Nil
Rs.400percheque
Rs.200/perchequereturned(Postage/courierchargesarenot
applicable)
Rs.400/percheque
US$10/orRs.800perinstrumentplusactualpostagecharges
InwardClearingreturned
US$12orRs.1,000perinstrumentplusactualpostagecharges
OutwardClearingReturned
US$10/orRs.800perinstrumentplusactualpostagecharges
5. Issuance,Retrieval,etc.ofStatements
/Certificates/Documents
5.a) AccountMaintenanceCertificate
Rs.100percertificate
5.b)i) Certificateregardingprofitandtax
deductedduringotherfinancialyears.
ii) certificateoftaxwithheldoncash
withdrawals
iii) Issueofothercertificates
5.c) IPSStatement
5.d) Documentsretrievalfee(subjectto
availabilityofrecord)
i) Upto2Years
ii) Over2Years
5.e) Arrangementofstamppaper
5.f) DepositsobtainedfromFederalGovt,
ProvincialGovt,PublicSector
Enterprises,autonomousbodiesand
otherGovtAgencies,Bodiesand
Corporations.
Rs.500perdocument
Rs.1000perdocument
ActualplusRs.100(flat)
Ratesquotedandagreedbetweenbothparties.
NIL
5.g) Purchase,SaleofPIBsbeingaprimary ChargesNIL

dealertoandfromcustomersofour
branches.
5.h) ServiceChargesfornotmaintaining
requisitebalance,asdefinedbelowfor
allproducts:
i) PKRCurrentAccounts&Alfalah
KamyabKarobar
Rs.50/permonth
Rs5,000monthlyaveragebalance
ii) FCYCurrentAccounts(monthlyaverage
balance)
Rs50orequivalentFCYpermonth
USD100/EURO100/GBP100/JPY
5,000
iii) **SavingLCY(accountopeningbalance OpeningbalanceRs.100
Rs.100)
iv) SavingFCYAccount
USD/GBP/EUR250orJPY10,000
NIL
minimumdeposit
v)
RoyalProfit
Rs.43permonth
Rs.50,000/averagemonthlybalance
vi) AlfalahKifayatAccount
Rs.43permonth
Rs.10,000/monthlyminimum
vii) BBA(Accountopeningbalance
Nil
Rs.1,000)
(V111) CareAccount(Openingbalance
Nil
Rs.1,000/=)
(1X) PocketMoneyPKRaccount(Opening Nil
balanceRs1,000)&USD
account(openingbalanceUS$100/=)
5.j) BasicBanking
Cashwithdrawal
a) Twowithdrawalspermonthbycheque NIL
b) Abovetwowithdrawalspermonthby
cheque
6) DormantAccount
7) AccountOpeningCharges
8) CashManagement
TransactionBanking
Collection/Disbursement/Electronic
Banking
Rs.50/perwithdrawal
Nil
Nil
AllChargesforTransactionBankingproducts(Collection,Disbursemsnt
andElectronicBanking)willbedecidedonacasetocasebasisthrough
agreementbetweenthecustomerandthebank.
9) BranchlessBanking
a)
Slab
SlabEnd
Start
PRICINGFORDOMESTICREMITTANCE
FEEFED*(PKR)TotalCharges(PKR)
1,000
51.728.2860
1,001
2,500
103.4516.55120
2,501
4,000
15024174
4,001
6,000
20532.8238
6,001
8,000
258.6241.38300
8,001
10,000
310.3449.65360
10,001
13,000
36057.6418
13,001
15,000
40564.8470
b) UtilityBillPaymentthroughMobile
c) AirTopups
Free
Free
10) MobileBankingCharges
a) AnnualFee
PKR300/=perannum
b) IBFTTransaction
PKR50/=pertransaction
**FollowingcategoriesofPLSAccounts(LCY)wouldbeexemptedfromrequirementofinitialDeposit.
Students,Staff,MustahiqeenofZakat,EmployeesofGovernment/SemiGovernmentInstitutions
forSalaryandPensionPurpose,MerchantaccountsofBankAlfalahAcquiringBusiness
Widows/Childrenofdeceasedemployeesofgovernment/semigovernment,
Institutionseligibleforfamilypension/benevolentfund,grant
*Forlifetimefreelockersfacility,minimumretentionperiodisoneyear.Ifthelockerissurrenderedbeforeone
year,oneyearrentalaccordingtothesizeofthelockerwillberecoveredbeforerefundingthekeydeposit.
*IfthedepositordonotmaintainmentionedaveragebalancecriteriaforSmall/Mediumfreelockergivenforone
year,annualrentwillberecovered.
BANKALFALAHLIMITED
JanJune2013
V
MISCELLANEOUS
JanJune2013
F.
MISCELLANEOUSCHARGES
11
Communication
11.a) CourierCharges
i) Inland
ii) Foreign
11.b) Faxcharges
i) Inland
ii) Foreign
11.c) PostageCharges
Inland
Foreign
12. OtherCharges
12.a) AccountClosing
Rs.100Inland(NotapplicableforDDissunace)
Rs.1250oractualwhicheverishigher
Rs.150orActual,whicheverishigher(NotapplicableforDDissunace)
Rs.250orActual,whicheverishigher
Rs.100(NotapplicableforDDissunace)
Rs.200
Rs.200(forlcyaccounts)orUS$3oreqv(forfcyaccounts).NILforPLS
andAQFaccounts.
12.b) OutofpocketExpenses(notcovered AsperActual

byScheduleofCharges)
12.c)i) StandingInstructions
frequencyoftransactioncharges/instance
upto6daysRs.100
from713daysRs.200
from14dayslessthanmonthlyRs.250
monthly&aboveRs.400
oreqvFCYforrelevantslab
12.c)ii) Defaultinperformingstanding
Rs.500
Instructionsduetolackoffunds
12(d) OnlinetransactionchargesCashTransactionAtServiceBranch:
a)CurrentAccount/AlfalahKamyabKarobar:'
Withincity:Free'
Intercity:Free
b)SavingAccount/RoyalProfit/AlfalahKifayat:'
Withincity:Free'
Intercity:Rs.150foreachdeposit/withdrawal
OnlineClearing/FundsTransfertransactionatServiceBranch:
a)CurrentAccount/AlfalahKamyabKarobar/AlfalahKifayat:
'Withincity:Free'
Intercity:Free
b)SavingAccount/RoyalProfit:'
Withincity:free'
Intercity:Rs.100
12(e) C.I.BReport
Rs40/perreport(recoverableatthetimeofprocessingoffreshfacilities
ORatthetimeofrenewalORlimitenhancementORthroughEOL&OTT)
oratthetimeofRestructuring/Reschedulingofthefacility.
12(f) Holdmail
Rs.600/p.a.,toberecoveredatstartoftheyear.
12(g) WateenBillPaymentthroughATMs Rs.25/perpayment
13 PayrollAccounts
Feesandchargeswillbeleviedonpayrollaccountsandassociated
servicesasperarrangementwiththeclient,onacasetocasebasis.
14 TermDepositencashmentpenalty
Ifthetermdepositisencashedprematurelyi.e.withinamonth,noprofit
shallbeallowed.
Ifthetermdepositisencashedafteranyspecifictenuree.g.onemonth,
threemonths,sixmonthsetc.profitshallbepaidasperthepresentrate
declared,forthespecifictenurecompletedfore.g.onemonth,three
months,sixmonthsetc.Profitforthebrokendays(abovethespecific
tenure)shallbepaidasperprevailingratesforsavingaccounts.
NOTE:
Profitshallbepaidafternettingoffanyamountofprofitalreadypaid.(in
caseofprofitpayableonmonthly,quarterly,etcbasis)
Wheneverarequestforpartialwithdrawaloftermdepositisallowedthe
entireamountofdepositshallbetreatedasprematureencashment
BANKALFALAHLIMITED
JanJune2013
V
MISCELLANEOUS
JanJune2013
15 AlfalahKamyabKarobar
Features
AverageMonthlyBalance
Requirement
Silver
Rs.5,000toRs.50,000/
OnlineBankingtransactionperday( Free
PayOrders/DD(shouldbemade
2FreePP/DDonly
Chequebook
25leafCheckBookfreeonetime
Overthecountercashdeposit
Free(IntoAKKacctonlyPANPakistan)
OnlineClearing
Free
Note
Theseareourstandardchargesandconcessionsmaybegrantedatthediscretionofmanagement.
Exciseduty&othergovernmentchargeswhereapplicableareinadditiontomentionedcharges.
TheBankreservestherighttodeterminetheapplicabilityofabovechargesandcommissionasperarrangement
TheBankreservestherighttomakeachargeonthoseaccountswhichinvolveunusualwork
QuarterwherevermentionedinthisSOCmeansthreecalendarmonths.
THETARIFFISVALIDFORSIXMONTHSANDISAPPLICABLETOALLCONVENTIONALBANKINGBRANCHESIN
Gold Platinum
AboveRs.50,000/ AboveRs.100,000/
toRs.100,000/
Free
UnlimitedPP/DD
1Free25leafevery
Month
Free(IntoAKK
acctonlyPAN
Free
Free
UnlimitedPP/DD
Unlimited
Free(IntoAKK
acctonlyPAN
Free

Alfalah SOC Jan-June2013

Загружено:

Сведения о документе

Авторское право

Доступные форматы

Поделиться этим документом

Поделиться или встроить документ

Параметры публикации

Этот документ был вам полезен?

Это неприемлемый материал?

Авторское право:

Доступные форматы

Alfalah SOC Jan-June2013

Загружено:

Авторское право:

Доступные форматы

BANKALFALAHLIMITED

1.f) MiscellaneousCharges(documents,evaluationofsecurity,and AsperActual

1.e) LetterofCreditConfirmation/Cancellation Atactualincludingourincidentalcharges.

5.h) Temporaryfinancingduetononpaymentonmaturitydate Markup@Rs.0.60/per1000/dailyproductsonthebillamountshall

ii) Amendmentinvolvingincreaseinamountandorextension Rs.1,000peramendmentpluscommissionasperitemnumber.

1.g) Discrepancychargesincaseofsight/usancebillsunderinland Rs.1,000/flat.

1.h) ServiceChargesforhandlingclaimlodgmentagainstLGsby Rs.2,500/plusActual

1.e) LockerfacilityforstaffofBankAlfalah Staffwillbeallowedonelockerfreeofkeydepositwhilerentwillbe

1.c) SMS Alerts charges for branch banking Rs.50/PerMonth

5.g) Purchase,SaleofPIBsbeingaprimary ChargesNIL

12.b) OutofpocketExpenses(notcovered AsperActual

Вам также может понравиться