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All SEVPs / Cheif of Groups/Divisional Heads/Wings/Department of Head Office.


All Regional, Heads / Gms / RCOs / RMs CAD
All 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 PRESIDENT
OPERATIONS GROUP
A copy of revised Schedule of Bank Charges is
encl osed f or i mpl ement at i on by al l
st
Branches/Offices from 1 January 2014. The
Schedule of Bank Charges will remain
operative until revised.
Requisite number of photocopies of the
Schedule of Bank Charges may be taken out
and supplied to the officials concerned at
Branches for meticulous compliance. Branch
Managers should also keep a copy in their
custody for ready reference. A copy of the same
should also be placed on the Branch Notice
Board.
th
In terms of SBP BCD Circular No. 7 dated 28
March, 1984 and Prudential Regulation
circulated vide BCD Circular No. 15 of 1992, all
branches are required to make the above
Schedule of Bank Charges available to their
constituents at least 7 days before the
commencement of the relevant half year.
Please ensure its availability well before last
week of December 2013.
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 Transaction
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 Charges
4.3 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 CUSTODY
ARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS.
9.1
Sale and purchase of shares and Securities
9.2 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 Shares
9.8 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 Deposit
10.3
Breaking Charges.
10.4 Service charges for investment in PIBs
11 GUARANTEES.
11.1 Charges for borrowing customers.
11.2 Guarantees issued to shipping companies
11.3 Guarantees issued to Collector of Custom
11.4 Issuance of foreign guarantees
11.5 L/G under Suppliers/Buyers Credit
11.6 L/G under taking to be issuedfor providing forward cover
11.7 Other Guarantees
11.8 Guarantees issued against collateralization of FC deposit.
1
1
1
2
2
3
3
3
4
4
4
5
5
5
6
6
7
7
8
8
9
10
1
1
1
1
1
1
1
1
1
2
2
2
2
2
6
6
6
6
6
7
7
7
7
7
7
7
8
8
8
8
8
8
8
9
9
9
12 NBP SAIBAN HOUSING SCHEME
12.1 Processing Fee for Govt. Employees
12.2 Processing Fee for Others
12.3 Other Costs
10
10
10
10
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 Outward
21.2 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
16
16
16
18
19
19
20
20
21
21
23
24
24
24
24
24
21
21
21
20
20
20
14 ATM FACILITY
14.1 Annual Renewal Fee
14.2 Transaction cost for NBP Customer
14.3 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/parties
17.9 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 NIFT
17.21
Premature Encashment of PKR & FC TDR
12
13
13
14
15
14
14
14
14
13
13
13
13
13
13
13
13
13
13
13
12
12
24
24
24
18 WAIVER OF CHARGES 15
11
11
11
11
11
11
RTGS Charges 14
14
14
14
14
12.4 Property Taxes
12.5 Penalties
12.6 Early Payments:
11
11
11
Armed License Fee
Trafic Challan
Bank Certificate for the
perpose of Visa,Income Tax,etc
17.22
17.23
Utility Bills Commission
Gas /Electricity /
17.24
17.25
17.26
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 Students depositing fees/dues
of educational Institutions,
HEC/Board etc
0.50% of fees/dues or Rs 25/-
per instrument which ever is less
2.1.3 For Students depositing fees/dues of
educational Institutions, HEC/Board
etc
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)
Schedule of Bank Charges
2
4
4.1 Opening of L/C
per quarter
Annual 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 writhen
arrangement with client
Minimum 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 on
places where there is an office of the bank, which are received from
Government Departments for credit to Government Account. This
waiver does not apply to outstation tendered by the PUBLIC in
payment of Government dues upon cheques which the Banks usual
charges should be levied.
As per Zakat & Ushr Ordinance 1980, (Amended in 1997) banking
services and services connected with the assessment collection or
disbursement of Zakat & Ushr realizable on compulsory basis under this
ordinance are to be rendered free of charge. Hence no collection charges
shall be recovered on cheques drawn on Central Zakat Fund for crediting
to account of their beneficiary.
3.2 Issuance of Duplicate Call Deposit Receipt
3.2.1 For Account holder Rs.175/-
3.2.2 For Non Account holder Rs.250/-
Schedule of Bank Charges
3
(ii) Clean Bills (trade cheques, 0.40% Minimum Rs.200/- plus
bank 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 purchase
but during next 210 days
Storage Charges.
as per written arrangement with
client
i)

No Charges if cleared
within 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 (where
Negotiation 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
4
Following charges will be
recovered in addition to mark-
up/ Ret urn on Invest ment
Miscellaneous (i.e. charges for
documentation, evaluation of
security and maintenance there
of etc.)
6 PROJECT FINANCES/GENERAL FINANCING
6.1 Project Application Fee
(Non-refundable)
Following Charges may be recovered in-addition to interest/mark-up
return on investment.
1
2
At actual, in addition:
Project examination fee
@ 0.50% (flat) after acceptance
of sanction by the company but before
disbursement of the total amount of
sanction (Funded and Non Funded
Both) Minimum Rs.15,000/-
Legal documentation fee.
@ 0.25% Flat after acceptance of
sanction by the company but before
disbursement of the total amount of
sanction (Funded and Non Funded
Both)
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 minimum
Rs.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).
Schedule of Bank Charges
No mark-up will be charged from the date of negotiation till the date of
lodgment of documents received under Inland L/Cs where the payment as per
reimbursement arrangement is made to the negotiating bank only on receipt of
documents.
Inst. Cir.No. 000 / 2013
At actual, Minimum Rs. 400/-
Rs. 125/- Flat
Others
Rs. 200/- Flat
Rs. 3,000/-
(SME, Commercial corporate
and other consumers)
Inst. Cir.No. 000 / 2013
(d) To arrange lien on securities Rs.500/- per trip.
issued by other Institutions
7 GODOWN CHARGES
(i) Godown Rent.
Actual
(ii) Salaries of Godown
Keepers / Chowkidars
Actual
7.1 Godown Inspection Charges. Actual Treatment
a Without any municipal limit.
Debit to party account if Godown
Inspection Charges are upto
500/-
.Rs
for payment to staff.
Debit to party and credit to bank
Income Account if Inspection
charges are more than Rs.500/- and
reimbursement of TA/DA charges
through debit to Expenditure
Account with the approval of
Competent Authority.
Note No such charges will be recovered from the parties if Inspection of
Godown by Regional/ Head Office Auditors / External Auditors and
occasional surprise checking by Regional Headquarters etc. as it is a part
of normal bank duty.
7.2 Delivery Charges
If a godown keeper is
not posted Conveyance
Charges will be recovered.
Actual.
6
Note
While recovering the miscellaneous charges like godown rent,
godown staff salary, inspection charges the amount recovered from the
borrowers shall not exceed the total rent of godown, salary of the
godown 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 to
concerned staff to the debit of Expenses Account after proper approval
of the competent authority.
7.3
Other incidental expenses:
Insurance premia.
Legal Charges.
Actual
Actual
7.4 Handling charges on marking
of lien on Govt.
Rs.600/- (Flat) per customer
(to be recovered by the Branch
Securities
where the loan is applied)
7.5 Marking of lien on Securities
issued by NBP for other banks
Rs.550/- (Flat) per customer
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
8 STANDING INSTRUCTIONS FEE
Rs.200/- per transaction.
Standing Instructions fee
will be recovered in
addition to the usual
charges on remittances, if
any.
9
SALE AND PURCHASE OF SECURITIES SAFE CUSTODY
ARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS.
9.1 Sale and purchase of shares
and Securities
a. Rs.0.50% upto Rs.10,000/- of
purchase price or cost
thereof Minimum Rs.50/-
b. Rs.0.10% on amount exceeding
Rs.10,000/- - Minimum Rs.75/
9.2
Rs.0.50% (Flat) per annum or part
thereof of the face value
with the minimum of Rs.300/-
Shares & Securities held in
safe custody as a result
of order of purchase
executed 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 floated
securities, where it is payable by the Govt./ Govt. Agencies and from the
subscribers to new shares floatation.
When orders for purchase or sale of shares/ securities are executed
through the banks, other offices, all incidental expenses .
such as postage, insurance charges etc., incurred will be recovered in
addition to the commission / brokerage charges.
A rebate of 50% in Safe Custody Charges will be applicable to all clients
maintaining Minimum balance of Rs.1 billion or above throughout the
year in NIDA Account.
7
9.3
Withdrawal fee on shares
and securities held in Safe
custody (to be recovered at
the time of withdrawal.)
a. 0.25% upto Rs.10,000/- of the
paid up or face value,
Minimum Rs.50/-
b. 0.125% on amount exceeding
Rs.10,000/-
Rs.10/- per scrip
9.4
Withdrawal fee on
Government 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 against
item (9.1) or withdrawal fees as shown against item (9.3) whichever is
higher, will be charged but not both.
9.5
Charges for collection of
interest/ return / dividend.
0.30% on the amount of interest/
return/ dividend collected/
paid, Minimum Rs.20/-
9.6 Handling Charges for
conversion, renewal,
Rs.10/- per Scrip.
consolidation or Sub-division
of Government. Securities
9.7 Public Flotation of Shares/
Modaraba Certificates/ Offer
for Sale of Shares/Dis-
investment/Term Finance
Certificates
Commission*@ 0.50% plus Out of
Pocket Expenses - Actual
9.8 Payment of Dividend Warrants
through
Commission* @ 0.50% plus Out of
Pocket Expenses
designated branches.
- Actual.
*Commission negotiable on case to case basis.
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges

10 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS.
(i) For Boxes and Packages. Rs.4/- per 100 cubic inches or any
part thereof with a Minimum of
Rs.300/- per quarter.
(ii)
Rs.2/- per 25 square inches or any
part thereof with a minimum of
Rs.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 lockers
in 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 deposit
or at the commencement of each Quarter)
8
10.4 Service charges for
investment 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 Actual
Note Deposit will apply at the time of issuance of new locker
11 GUARANTEES.
11.1
Charges for borrowing
customers.
As per arrangement
11.2
Rs.1,300/- (Flat)
11.3
0.55% per quarter or part thereof
charges 0.20% per quarter or part there
of in case of 100% cash margin charges
0.30% per quarter or part
there of in case of lien
Minimum Rs.1000/-
or As per prior writhen arrangement
with client
Guarantees issued to
shipping companies in
lieu of Bills of Lading or
endorsement of copy of
Airways Bills in absence
of original Airways Bill.
Guarantees issued to
Collector of Custom in
lieu of payment of
Export Duty which are
valid upto 6 months
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
9
11.5
L/G under Suppliers/
Buyers Credit Pay as You
Earn Scheme
Commission @ 0.40% per quarter
or
part thereof (at the time of
issuance of
L/G it is to be charged on full
amount of L/G liability plus
interest payable thereon for the
period from the date of issuance of
LG/ till the expiry of L/G
thereafter commission is to be
recovered on six monthly basis on
outstanding/reducing liability as
per revised Schedule of charges
applicable on that date.)
In case forward cover is provided
a g a i n s t L / G u n d e r
Suppliers/Buyers Credit, L/G
commission should be recovered
at booking rate for which liability
voucher is to be passed. This is due
to the fact that exchange fee is
being recovered in advance.
11.4 0.40% per quarter or part thereof
Minimum Rs.1,000/- plus
correspondent bank charges if any.
Swift/ US$ 20/-per /Swift
message
Postage US$ 10/- per postage
Amendments in (11.4) above.
US$ 20/- per transaction (flat) if
amendment involves increase in
amount or extension in period, in.
addition to commission as above
Issuance of foreign
guarantees (i.e
beneficiaries in foreign
countries) directly or
through correspondent
bank/banks foreign
branch/offices
11.7 Other Guarantees
Based on volume during a
Calendar 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 reducing
liability on booked rate
Minimum rs.1,000/-
In case of L/G under
taking to be issued
favouring any bank for
providing forward cover
exchange risk under
Suppliers/Buyers credit
on behalf of applicant.
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
10
11.8 Guarantees issued against collateralization of
deposit.
foreign currency
Minimum commission Rs.1,000/- per annum per guarantee
wherever guarantee validity is less than one year.
(i) Deposit upto US$ 500,000/-
0.25% per quarter or part there
Minimum Rs.1,500/ -
(1% per annum)
of
(ii) Deposit more than
US$ 500,000/-
upto 5,000,000/-
0.125% per quarter or part thereof
Minimum Rs.1500/-
(0.5% per annum)
Note
(i)
(ii)
(iii)
(iv)
All Guarantees issued by bank must contain specific amount and
expiry date and commission to be charged from the date
of issue till expiry of the L/G up front.
If period of Bank Guarantee exceeds one year than commission
be recovered on year to year basis.
For calculation purpose a quarter would consist of 3 months
starting from the date of issue of Guarantee (Three calendar
months will make one quarter)
Charges may be waived against 100% cash margin kept in
margin account.

(iii)
Deposit more than
US$ 5,000,000/-
Nil
(iv)
Amendments
Rs.300/- per amendment (Flat) or
0.40% per quarter or part thereof
if amendment involves increase in
amount or extension in validity
Minimum Rs.500/-
Schedule of Bank Charges
12 NBP SAIBAN HOUSING SCHEME
12.1 Processing Fee for Govt.
Employees (Irrespective
of 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 Construction
and 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 and
other applicable charges and duties shall be borne and paid by the customer
to 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/- and
up to Rs.4,000,000/-
Rs.3,000/-
(iii) Above Rs.4,000,000/- Rs.6,000/-
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
12.4 Property Taxes At Actual
12.5 Service Charges
(i) In case of late payment, up to
Rs.10,000/-.
Rs.5/- per day for overdue/defaulted
installment.
(ii) Amount from Rs.10,001/- up
to Rs.20,000/-.
Rs.10/- per day for overdue/defaulted
installment.
(iii) Rs.15/- per day for overdue/defaulted installment. exceeds
Rs.20,000/- and so on.
(iv)
In case of Returned Cheques, Charges for cheques returned unpaid
will be recovered as per Banks
approved 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 amount
c Delay of 120 + days
Recall Finance. (with the prior
approval of Head Office)
12.6 Early Payments:
Prepayment of finance account, full or
partial within 5 years.will be subject to
early redemption charges @ 2% of the
amount being prepaid
In case of beyond 5 years, no early
redemption 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 apply
cant & DDO verification is
done.
Actual toVerification Agency
(Presently Rs. 450/-)
a
In case when only DDO
Verification 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 of
cost. However, annual renewal
fee of Rs.300/- will be charged.
Transaction cost for NBP
customer using another bank
ATM under 1-LINK ATM/MNET
ATM 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 / Replacement
Charges
ATM Card Pin Re-issuance
Charges
Rs. 200/-.
Rs. 100/-.
14.2
14.3
14.4
14.5
Annual Renewal Fee
Inst. Cir.No. 000 / 2013
15
TARIFF FOR CORPORATE CUSTOMERS & MNCS
With aggregate exposure of
over Rs.500/- Million (Both
funded and non funded)
and in case of all MNCs L/C
Opening guarantee
issuance and remittance
(Funds transfer) charges.
As per negotiation with the customer.
Note The above concessionary rates/charges will apply only to those Letters
of Credit which cover imports by the Government routed through
State Bank of Pakistan. In case LC is received directly from the
importing agency, normal charges are to be recovered.
c In addition to above, branches will recover the actual / wift
charges where LCs are desired to be established through
swift and confirmation charges of foreign banks if foreign banks
confirmation 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 the
letter of credit.
Rs.250,000/- and above.
1/16% (0.0625%) of the value of the
letter of credit.
b
Non-reimbursable letter of
credit under Barter /Aid
loans/Authorization to pay.
3/8% (0.375%) irrespective of the
value of the letter of credit.
17 MISCELLANEOUS CHARGES
17.1 Service Charges on Current
Accounts (excluding
Accounts that have been
classified/ marked/ flagged
as dormant, inoperative
or unclaimed) with
monthly average balance
below Rs.5000/-.
Rs.50/- per month
17.2 Service Charges on Foreign
Currency Accounts (exclu-
ding Accounts that have been
classified/ marked/flagged
as dormant,inoperative
or unclaimed)with
monthly average balance
below US$1,000/-

or equivalent amount in
other 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)
Schedule of Bank Charges
12 Inst. Cir.No. 000 / 2013
13
17.3
Duplicate/Additional
statements of account
Rs.35/- per statement of account
17.4
Issuance of SBP/NBP
Cheques.
Rs.300/- per cheque
EXTRA.
Stop payment charges are to be levied one time for stop payment
instructions whether it is for one or more cheques.
17.5 Stop payment of cheque Rupee A/c Rs.200/- per
instruction.
F.C A/c US$ 5/- per instruction
17.6
Clearance of Cheques
where Clearing House
Facility not established.
No Charges.
17.7 Collection/encashment of
profit coupons on Govt/
Saving Centers under
lien to us
Rs.200/- per trip.
17.8 Verification of test for
other banks/parties
17.9 Credit information report
including credit report
on foreign suppliers/
buyers.
17.10 Registration of contract
with SBP in respect of
private foreign currency
loan obtained by
borrowers in Pakistan
from foreign lenders
Rs.250/- (Flat)
Foreign correspondent/reporting
agencies charges
at actual + SWIFT Charges.
Handling charges Rs.5,000/-
(Flat.)
17.11
Confirmation of balances
to auditors.
Rs.400/-
17.12 Balance Confirmation
Certificate (required by
Rs.100/- per certificate
USD2/- or equivalent in other
currencies. customers other than
auditors)
17.13 Issuance of new cheque
book in lieu of lost
Rs.100/- per request plus excise
duty if any.US$ 2/- in F.C
Account. cheque book (Rupee A/c
only). These Charges
are in addition to stop
payment charges as
prescribed above.
17.14
US$ 5/- for Foreign Currency or cntire
amount is below US$5/-
No charges on closing of old frozen FC
Accounts
17.15

Rs. 5/- per leaf ( plus excise duty if
any )
Actual.
Account closing charges
Issuance of Cheque Book
Mailing charges for
Cheque Book
Schedule of Bank Charges
Inst. Cir.No. 000 / 2013
14
17.16
Note
No Charges will be recovered from customers maintaining
deposit balances of US$ 25,000/- and above or equivalent of
Rs.1.00 (M) and Bank Staff are also exempt from levy of this
charge.
Charges from employer on
Salary Disbursement
Services.
Rs.50/- per salary account
per month.
Note
17.17 Inland Travellers Cheque
(other than NBP if any)
0.25% Minimum Rs.25/-
17.18 Authorities to encash
cheques
No commission by issuing branch
but charges on purchase of
cheques will be recovered
@ 0.80% Minimum
Rs.25/-plus Courier Charges.
A number of Commercial Organizations (other than Govt.and Semi-
Govt. and Autonomous Bodies) disburse salary to their employees
through our branches. Where such organizations do not maintain sufficient
funds or route sufficient business through our bank to justify workload of
salary disbursement, bank is justified to claim charges from them for the
additional workload.
We can not charge individual accounts under Prudential Regulations.
We can however, charge the employers where they do not maintain
sufficient 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
Schedule of Bank Charges
17.21 RTGS Charges Rs.50/- per Transaction
Armed License Fee Rs. 30/- along with
Rs. 20/- along with
Trafic Challan
Utility Bills Commission
Gas /Electricity /
Rs. 8/- As per agreement with
utility companies
Bank Certificate for the
perpose of Visa,Income-
Tax,etc
Rs. 250/- Flat per certificate
17.22
17.23
17.24
17.25
15 Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
18
WAIVER OF CHARGES
For customers maintaining Monhly Average Balance of
Rs2.000 (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 account
older than one year.
18.7 Issuance of loose cheques.
18.8 Commission on Overseas Bills/Inland Bills for
collection business.
(Subject to recovery of postage, courier, fax,
SWIFT Telephone charges wherever applicable.
Issuance of new cheque book in lieu of lost
cheque book
18.2 Cancellation/Issuance/Duplicate Pay orders
18.3 Cheques returned unpaid
18.4 Stop payment of cheques
17.26 Premature Encashment Policy
The Bank reserves the right to refuse any request for early encashment (premature
encashment) of term deposit before its agreed maturity date. In the event that the
bank agrees to a customers request for premature encashment, the withdrawal of a
term deposit (fully or partially) befor maturity will be subject to premature
encashment penalty and associated costs / charges can be deducted from the accrued
profit thereon. The cost / charges of penalty in case of early termination shall be
determined as follows:
1. Profit Rate:
Rate of profit prevailing on date of placement or at the date of premature
encashment whichever is lower will be used for calculating profit for the period
completed till the date preceding the date of premature termination.
2. Premature Encashment Penalty Rate:
The premature penalty rate is applicable on principle amount being
encashed 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 principle
amount on the remaining period.
If the remaining period is greater than one year than 1% of the principle amount
on the remaining period.
In case the penalty amount is greater than the profit paid / payable, no profit willbe
paid to the customer and only the principal will be paid.
Any differential in withholding tax or other govemment levies ( arising out of higher
retum paid to the customer earlier i.e. monthly, quarterly etc based on the payout
option 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 encashed
before maturity, then the prevailing profit rate applicable on PLS Saving Accounts
will 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 not
mentioned otherwise.
Note
16
19 IMPORTS
19.1 LETTER OF CREDIT
ANNUAL VOLUME DURING A
CALENDAR YEAR
19.1.1 Opening of cash Letters
of 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 by
The competent authority commitment letter from customer for
paying difference in commission arising out of short fall in
business commitment.
L/C commission for the increased liability should also be recovered for
un-expired L/C period. In case, liability increases (due to exchange rate
fluctuation) by virtue of providing forward cover to the customer after
opening of L/C.
19.1.3
Revalidation
Commission.
On expiry of L/C when the same is
r e v a l i d a t e d , r e v a l i d a t i o n
commission should be recovered as
is applicable for opening of Fresh
Letter of Credit, as in (19.1.1)
above. L/C commission will be
calculated on the amount of liability
as per exchange rate prevailing on
the date of revalidation.
19.1.4 Transfer Commission.
When a Letter of Credit is
transferred to a new .beneficiary,
transfer commission should be
charged as applicable in case of
Fresh Letter of Credit as in (19.1.1)
above
19.1.5
Approval from SBP
from re-import of
Rs.2,000/- (Flat) per case.
consignment back to
Pakistan.
19.1.6
L/C Cancellation
Charges
Rs.2,000/- (Flat) Plus actual
SWIFT charges
19.2 Non-reimbursable Letter
of Credit under Barter/
Aid/Loan and
authorization to pay.
1% on 1
st
quarter and 0.30% for
each subsequent quarter
or part thereof
Minimum of Rs.1,500/-
Schedule of Bank Charges
Inst. Cir.No. 000 / 2013
17
19.2.1 L/C under Suppliers/Buyers
Credit, Pay as you Earn
Scheme and Deferred
payment L/Cs for period one
year.
Commission @ 0.40% per quarter
or part thereof (at the time of
opening of L/C, it is to be charged
on full amount of L/C liability
plus interest payable thereon for
the period from the date of
opening of L/C till the expiry of
L/C,thereafter commission is to
be recovered on six monthly basis
on outstanding/reducing liability
as per revised Schedule of
Charges applicable on that date).
In case forward cover is provided
a g a i n s t L / C u n d e r .
Suppliers/Buyers Credit, L/C
commission should be recovered
at booking rate for which liability
voucher is to be passed. This is
due to the fact that exchange fee is
being recovered in advance
19.2.2 a Rs.500/- per bill (Flat) to be
charged at the time of retirement
of bills.
b Extra Commission @ 0.10% per
month is to be recovered /charged
for the Usance Import Bill for any
period beyond validity of Letter
of Credit.

Amendments. Rs. /- per transaction (Flat) or
commission under item (19.1.1) or
(19.2), if amendment involves
increase in amount or extension
period of shipment
1,200
If bills are to be drawn at a
Usance under the above
Letter of Credit other than
Payees and Suppliers/
Buyers Credit and
deferred payment Letters
of Credit on yearly basis.
Issuance of Standby Letters
of Credit (i.e) beneficiaries
in foreign countries) directly
or through correspondent
bank/banks foreign
branches/offices.
19.2.3
0.40% per quarter or part thereof
Minimum Rs.1000/- plus
correspondent bank charges if any..
Swift/ US$ 20/- per swift
message
Postage US$ 10/- per postage
Amendments US$ 20/- per transaction (Flat) or if
amendment involves (increase in
amount or extension in period)
commission as above
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
Note
a
b
c
19.3
In case of FIM the following mark-up will apply*:-
19.3.1 Mark-up 43.836 Paisas
per Rs.1,000/- on daily Product
(or as per Sanction Advice)
against Regular Credit Line
under approved arrangement.
18
Regular Credit Line
Inst. Cir.No. 000 / 2013
19
19.3.2 Forced FIM
In case of Forced Creation of
FIM Penal
recovered not exceeding
Paisas 40 per Rs.1,000/- on
daily product basis.
charges to be

.
19.3.3 In case FIM is created
and Bank arranges
Clearance of
consignment under
Sight L/C.
50 Paisas per Rs.1,000/- on daily
products shall be charged from
the date of creation of FIM.
Commission @ 0.35% is to be
Charged (once only) in addition
to mark-up @ Paisas 50
per Rs.1,000/-
from the date of maturity till the
date of payment.
19.3.4 In case Forced FIM is
created due to non-
payment on maturity
against DA/Suppliers
Credit L/C.
Note Bank reserves the right to change the mark-up rate on case to
case basis.
19.4 Import Bills returned
unpaid.
a Handling of discrepant Import
Documents., US$ 50 (flat) to be
recovered from the proceeds
of 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 collection
provided 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 advance
payment to suppliers.
Rs.750/- (Flat) plus usual
remittance charges.
19.4.4
Service charges against
Import 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 customers
as per arrangement
19.5
Services Charges on retirement of Import bills
Contracts (Ready/ Forward) other than NBP
under L/Cs/
19.5.1 L/C opened/contract
registered by us where
Foreign Exchange
payment done by
other banks.
10 Paisas per Rs.100/-
Schedule of Bank Charges
Inst. Cir.No. 000 / 2013
20 EXPORTS
20.1 Processing Charges for
Export Registration.
Rs.250/- (Flat)
20.1.1 Returning charges for
export 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 against
Letters of Credit issued under
Barter/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 to
other local Bank from Non-
Resident Rupee A/c.
Rs.400/- (Flat)
20.2.7 If the documents are sent to
other banks for negotiation
under 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 bank
do not earn any exchange
difference)
Rs.200/- per Collection (Flat)
20.4 Duty draw back claims. 0.25% of the amount of
claim Minimum Rs.250/-
per claim
20.4.1 Handling of export
documents against
which advance
payment is received.
Rs.400/- (Flat) plus postal
charges.
20.4.2
Service Charges against
export documents sent on
collection basis where
payment cover is already
received to our Foreign
Currency Account.
@ Paisas 10% or Rs. 1/- per 1000/-
20
19.5.2 L/C opened/contract
registered by us where
10 Paisas per Rs.100/-
Forward Cover
provided by other banks.
Note Issuance of Banks NOC/Permission is subject to the recovery of above
charges from customer.
Subject to Arrangement
(Please refer your request to
Financial Institution & Cash
Management Division).
Schedule of Bank Charges
Inst. Cir.No. 000 / 2013
20.5.3 Cheques / instruments
returned unpaid
a Drawn on Karachi
Rs.400/-
b
Drawn on other than
Karachi
Rs.500/-
20.6 Transfer of Export Proceeds/ Remittances to other Banks.
20.6.1 Transfer of Export
Proceeds and remittances
to other Banks for
conversion.
10 Paisas per Rs.100/-
20.7
20.7.1 For Sight Exports Bills
Negotiation After 12
Days till the date of
Realization
Up to 12 days No Markup
Markup rate arrived at based on
1 Month KIBOR .
(ask rate) + 4.00% p.a. should be
charged
20.7.2 For Usance Export Bills
Negotiation:
Up to actual Maturity date No
Markup
After Maturity Date till
the date of Realization:
Markup rate arrived at based on
1 Month KIBOR (ask rate)
+ 4.00% p.a. should be charged
Export Proceeds Realizations under Foreign Bills
purchased & Negotiated (FBPN) Account.
20.5
20.5.1 Cheques / instruments
drawn on branches
in Karachi.
Rs.200/-
20.5.2 Cheques / instruments
drawn on branches other
than Karachi
Rs.300/-
Local US Dollar Instruments Collection.
21
Schedule of Bank Charges
21 REMITTANCES
21.1 OUTWARD
21.1.1 Foreign Traveller Cheques. 1% of the amount of Traveller
Cheques sold Min. Rs.200/-
21.1.2 Remittance abroad through
Foreign Currency Account.
Commission @ US$ 1.00 per
US$ 1,000/- or part thereof Min.
US$ 5.00 Maximum
US$ 25.00 plus / SWIFT
charges
Remittance against surrender
of F.C Notes or cash deposited
in F.C Account within 10 days
from the date of such deposits.
In addition to charges mentioned
under 21.1.2. Service charges
@ 1.0% to be recovered in case
the remittance amount exceeds
US$ 5,000/- or its equivalent in
other foreign currencies.
21.1.3
Inst. Cir.No. 000 / 2013
Rupee Account 250/- per cheque.
F.C. Account US$ 5/-per cheque
Char ges f or Cheques
returned unpaid (when fault
lies with the customer) to be
recovered from the client on
Whose behalf the instrument
is being collected and
collecting bank will apply
these charges. In case bearer
cheque returned on the
counter no such charges will
be applicable.
22
21.1.4 Inward Collection received
(relating to F.C Account)
from abroad or local banks/
branches and where the
payment is demanded in
Foreign Currency.
US$ 3.00 per
US$ 1,000/- or part thereof
Minimum US$ 3.00
Maximum US$ 6.00
21.1.5 Inward cheques expressed in
foreign currency drawn on
foreign currency A/cs
received from local /upcountry
banks branches for payment
in Pak Rupees after conversion
at authorized dealers buying
T.T clean rates.
Commission @ Paisas 15 per
Rs. 100/- Minimum Rs.200/-.
21.1.6
(a)
Students (for education
purposes)
Rs.100/- plus SWIFT charges
(b) Other than students. Rs.50/- per US$ 1,000/-
Min. Rs.200/- and
Max. Rs.500/- plus SWIFT
charges for telegraphic transfer
or usual postal charges
as prescribed.
(c ) Service Charges against
issuance of Foreign
@ Paisas 10 % or
Rs.1/- per Rs. 1,000/-
Commission on issuance of
PKR 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 Cancellation
Charges for foreign currency
account
/
(e) Issuance of Duplicate FDD.
(f) Foreign Bills sent for
collections returned unpaid
Rs.250/- per item plus SWIFT/
postage charges
Rs.300/- plus usual
postage charges
SWIFT
Rs.350/- (Flat) plus
charges if any.
SWIFT
US$ 5.00 per instruction
(g) Standing Instruction Charges
in Foreign Currency Accounts.
Note Service Charges @ 1.0% to be recovered from the customers in
case cash deposited in FC Account is encashed /converted into
Pak Rupees within 10 days from the date of such deposit.
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
23
21.1.7 REPAYMENT OF FCY
LOAN UNDER FE25
Repayment of FE25 FCY
Loan (principle/Mark-up)
where settlement arranged
through Interbank market
other than NBP.
10 Paisas per Rs.100/-
Schedule of Bank Charges
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 an
account with the drawee bank.
In other case a flat
charges of Rs.10/
21.2.3
Encashment (Purchase) of
Traveller Cheques.
Rs.100/-(Flat)
21.2.5
Commission/Handling Charges
on Deposits of Currency notes
for the credit of Foreign
Currency Accounts.
Nil, if no remittance effected
within 10 days of the date of
deposit, otherwise remittance
charges as per schedule (21.2.2)
21.2.6
Collection of Foreign
Currency Accounts
US$ 5.00 for collection upto
US$ 1,000/-, US$ 15.00 for
collection above US$ 1,000/-.
21.2.4
@ Paisas 15 per Rs.100 /-
Minimum Rs.200/-
Se r v i c e Ch a r g e s o n
payment of Inward Foreign
Dr a f t s / For e i gn Ma i l
Transfers where payment is
made to beneficiaries after
payment cover is received
to our Foreign Currency
Account. These charges are
to be recovered only when
T.T buying rate is applied.
21.1.8
Any type of remittances other
then IMPORTS when transaction
initiated/routed through NBP but
customer procures Foreign
Exchange from some other bank.
10 Paisas per Rs.100/-
Issuance of Banks No objection/Permission is subject to recovery of above
charges from customer.
Note:
Any type of remittances other
then EXPORTS when transaction
initiated/routed through NBP but
customer sale Foreign Exchange
from some other bank.
10 Paisas per Rs.100/-
Issuance of Banks No objection/Permission is subject to recovery of above
charges from customer.
21.2.7
Note:
Inst. Cir.No. 000 / 2013
24
Schedule of Bank Charges
22.4 SWIFT Foreign:
a Full SWIFT L/C/
Guarantee and long Message
Rs.1,200/- for full message for
short message Rs.500/-
b L/C/Guarantee amendment,
Telegraphic Transfer
and Miscellaneous messages
Rs.1,200/- for full
message. 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 Business
Performance 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 actual
Min. Rs.100/-
22.3 Fax/Telephone Rs.100/- ( Flat )
Inst. Cir.No. 000 / 2013
Schedule of Bank Charges
AMENDMENTS & NOTES

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