|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Soneri Bank |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
SONERI BANK
LIMITED |
|
|
ISLAMIC
BANKING |
|
|
|
|
|
|
|
|
|
SCHEDULE OF BANK CHARGES |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Soneri Bank
Limited |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Schedule of Bank Charges |
|
|
|
ISLAMIC
BANKING |
|
|
|
|
|
|
FOR THE
PERIOD FROM JULY 01, 2008 TO DECEMBER
31, 2008 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
INTERNATIONAL BANKING |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A] |
I M P O R T S |
|
|
|
|
|
|
|
|
|
|
|
|
i]. |
a) |
Cash Letters of Credit
upto Rs.5 Million |
0.30% per quarter or part
thereof |
|
|
|
|
Over Rs.5 Million but
upto Rs.20 Million |
0.20% per quarter or part
thereof |
|
|
|
|
Over Rs.20 Million |
|
0.15% per quarter or part
thereof |
|
|
|
|
|
|
|
For the first quarter-Minimum
Rs.400/= |
|
|
|
|
For each subsequent quarter or
part |
|
|
|
|
thereof 0.15%. |
|
|
|
|
|
|
|
Note: |
The
above commission is subject to adjustment after obtaining approval of |
|
|
|
|
|
|
competent
authority based on annual volumes/values & arrangements with |
|
|
|
|
|
|
customers. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
b) |
Revalidation Commission |
|
On expiry of Letter of
Credit when the |
|
|
|
|
same is revalidated,
revalidation |
|
|
|
|
commission should be recovered
as |
|
|
|
|
is applicable for opening
fresh Letter |
|
|
|
|
of Credit, as in (i-a)
above |
|
|
|
|
|
|
|
c) |
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 (i-a)
above. |
|
|
|
|
|
|
|
ii] |
a) |
Non-reimbursable Letters of
Credit |
|
1% per quarter or part
thereof. 0.30% |
|
|
|
|
under Barter / Aid /
Loans. |
|
for each subsequent
quarter or part |
|
|
|
|
thereof. Minimum Rs.250/=. |
|
|
|
|
|
|
|
b) |
L/C
under-Suppliers/Buyers Credit, |
|
Commission @ 0.40% per quarter |
|
|
|
|
Pay As You Earn Scheme
and |
|
or part thereof. (At the
time of opening |
|
|
|
|
Deferred Payment L/Cs
for period |
|
of L/C to be charged on full
amount |
|
|
|
|
over one year. |
|
of L/C
liability.Thereafter commission is to be |
|
|
|
|
recovered on six monthly basis
on |
|
|
|
|
reducing liability). |
|
|
|
|
|
|
|
iii] |
|
If bills are to be drawn
at usance under |
1] |
Rs.300/= per bill (flat)
to be charged at |
|
|
|
|
the Letters of
Credit other than |
|
the time of retirement of
bills. |
|
|
|
|
PAYES (Pay as you Earn Scheme) |
|
|
|
|
|
|
and Suppliers / Buyers
Credit and |
|
2] |
Extra Commission @ 0.10%
per month is to |
|
|
|
|
Deferred Payment Letters
of Credit on |
|
be recovered / charged
for the usance Import |
|
|
|
|
yearly basis. |
|
Bills for any period
beyond validity of Letter of |
|
|
|
|
|
|
Credit or
period for which
LC opening |
|
|
|
|
commission charged. |
|
|
|
|
|
|
|
|
|
|
iv] |
|
Amendments |
|
Rs.400/= per
transaction (Flat) or commission |
|
|
|
|
under items (i) or (ii)
above, if amendment |
|
|
|
|
involves increase in
amount or extension in |
|
|
|
|
period of shipment. |
|
|
|
|
|
|
|
|
|
|
|
|
|
v] |
|
For each
application/revalidation |
|
Rs.500/=
(Flat). |
|
|
|
|
made to the Export Promotion |
|
In case of subsequent
transfer of import |
|
|
|
|
Bureau / any other Govt.
Agency on |
|
authorization to another
bank Rs.100/=. |
|
|
|
|
behalf of the customers. |
|
|
|
|
|
|
|
|
|
|
|
|
|
vi] |
a) |
Import bills under
Letter of Credit |
|
1] |
Penalty will be charged
from the date of |
|
|
|
|
|
|
negotion/ remittance, for
charity account |
|
|
|
|
as per agreement |
|
|
|
|
|
|
|
|
|
|
|
|
|
2] |
Profit will be calculated
from the date of |
|
|
|
|
negotiation/ remittance for
Muarbaha |
|
|
|
|
Financing as per
agreement. |
|
|
|
|
|
|
|
vii] |
|
Import Bills returned
unpaid |
|
US$ 50/= (Flat) from
forwarding Bank plus |
|
|
|
|
Courier charges. |
|
|
|
|
|
|
|
viii] |
a) |
Collections |
|
Rs.300/= (Flat) per collection |
|
|
|
|
|
|
|
b) |
Consignments |
|
1) |
0.20% Flat handling
charges at the time of |
|
|
|
|
registration of contracts
/ purchase order / |
|
|
|
|
proforma invoice etc.
Minimum Rs.500/=. |
|
|
|
|
2) |
Rs.200/= for each subsequent |
|
|
|
|
|
amendment in the
registration. |
|
|
|
|
NOTE: |
The
above commission is subject to adjustment after obtaining approval of
competent |
|
|
|
|
|
|
authority based on
annual volumes/values & arrangements with customers. |
|
|
|
|
|
|
|
|
|
|
|
c) |
Remittance against import
without LC / |
Rs.300/= flat plus FDD / FTT
charges. |
|
|
|
|
Registering of Contract
and/or handling |
|
|
|
|
|
of documents thereunder |
|
|
|
|
|
|
|
|
|
|
|
ix] |
|
Service charges for
arranging |
|
Rs.500/= |
|
|
|
|
transportation of consignments
from |
|
|
|
|
Karachi to Dry ports on
specific |
|
|
|
|
instructions of the
importers. |
|
|
|
|
|
|
|
x] |
|
Service Charges against
import |
|
@ Paisas 10 per Rs.100/= or
Re.1/= Per |
|
|
|
|
transactions i.e. import
bills (IFB) / |
|
Mille. |
|
|
|
|
collection
(IB). |
|
|
|
|
|
|
|
xi] |
|
Re-imbursement charges
(payable to |
|
At actual. |
|
|
|
|
re-imbursing Banks). |
|
|
|
|
|
|
|
xii] |
|
Obtaining credit reports
on foreign |
|
Rs.250/= plus foreign
bank/agency charges |
|
|
|
|
supplier. |
|
at actuals plus telex
charges. |
|
|
|
|
|
|
|
xiii] |
|
Discrepancy fee |
|
U.S.$. 10/= plus
Swift/Telex Charges |
|
|
|
|
if discrepant documents
are presented. |
|
|
|
|
|
|
B] |
E X P O R T |
|
|
|
|
|
|
|
|
i] |
LETTERS OF CREDIT |
|
|
|
|
|
|
|
a) |
Advising |
|
Rs.500/=
(Flat) |
|
|
|
|
|
|
|
|
|
b) |
Amendment Advising |
|
Rs.400/=
(Flat) |
|
|
|
|
|
|
|
|
|
c) |
Negotiation of Rupee Bills |
|
0.35% |
|
Min. Rs. 500/= |
|
|
|
|
under Letters of Credit |
|
|
|
|
|
|
|
d) |
Confirmation |
|
0.35%
per quarter |
|
Min.
Rs.500/= |
|
|
|
|
|
|
|
e) |
Transfer of Export LCs |
|
Rs.400
(Flat) |
|
|
|
|
|
|
|
f) |
Reimbursement payment to /
from other |
Rs.250/=
(Flat) |
|
|
|
|
local banks from N.R. Rupee
Accounts |
|
|
|
|
|
|
|
ii] |
|
If the documents are sent
to other banks |
Rs.500/=
(Flat) |
|
|
|
|
for negotiation under
restricted letters of |
|
|
|
|
credit. |
|
|
|
|
|
|
|
|
|
|
|
iii] |
|
Negotiation of Foreign
Currency Bills |
|
Payment will be made on
recepit of Proceeds |
|
|
|
|
under Sight Letter of
Credit. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
iv] |
COLLECTIONS |
|
|
|
|
a) |
Clean / Cheques |
|
Rs. 150/= per collection |
|
|
|
|
|
|
|
b) |
Documentary (on which bank does
not |
Rs.300/= per collection |
|
|
|
|
earn any exchange difference) |
|
|
|
|
|
|
|
|
|
c) |
Service charges against
Export |
|
@ Paisas 10 Per Rs.100/= or
Re.1/= per |
|
|
|
|
documents sent on collection
basis/ |
|
mille. |
|
|
|
|
Advance Payment of Export |
|
|
|
|
|
|
|
|
|
|
|
|
|
v] |
Handling of Duty Draw Back Claims |
|
0.35% |
|
Min. Rs.350/= per claim |
|
|
|
|
|
|
|
|
|
|
|
|
|
vi] |
Handling of Research
& Development |
|
0.30% |
|
Min. Rs. 300/= per claim |
|
|
|
|
Support Claims with
S.B.P. |
|
|
|
|
|
|
|
|
|
|
|
vii] |
Collection of Export
Development Surcharge |
Rs. 80/= per transaction
to be charged to exporters |
|
|
|
|
|
|
C] |
REMITTANCES |
|
|
|
|
i] |
OUTWARD |
|
|
|
|
|
|
|
|
|
a) |
Issue of Foreign Currency |
|
|
|
|
Travellers' Cheques |
|
|
|
|
|
|
|
i]. |
From Foreign Currency
Accounts |
|
1% (Selling Agents'
Commission) from |
|
|
|
|
or Against Travel Quota. |
|
the purchaser |
|
|
|
|
|
|
|
ii]. |
Against surrender of Foreign |
|
1% (Selling Agents'
Commission) plus |
|
|
|
|
Currency Notes as per
limit |
|
0.50% Service Charges. |
|
|
|
|
prescribed by S.B.P. |
|
|
|
|
|
|
|
b) |
Issuance of FMT / FTT / FDD |
|
Rs.250/= (Flat) + Telex Charges
of |
|
|
|
|
against Pak Rupees |
|
Rs. 400/= in case of FTT. |
|
|
|
|
|
|
|
c) |
Service Charges against
issuance of |
|
@ Paisas 10 per Rs.100/= or
Re.1/= per |
|
|
|
|
Foreign Mail Transfers (FMTs)
/ |
|
mille. |
|
|
|
|
Teletransfers (FTTs) or Foreign |
|
|
|
|
Demand Drafts (FDDs). |
|
|
|
|
|
|
|
d) |
DD/TT and MT (for
remittances |
|
@ US$ 1/= per US$ 1,000/=
or part thereof |
|
|
|
|
abroad through F.C.
A/cs.) |
|
Minimum
US$ 2/= |
|
|
|
|
Maximum US$ 20/= or
equivalent |
|
|
|
|
in other Foreign
Currencies plus |
|
|
|
|
Telex Charges of US$ 8/=
in case of TTs. |
|
|
|
|
|
|
|
e) |
Remittances/Encashment
from Foreign |
0.15% Flat |
|
|
|
|
Currency Accounts within
7 days after |
(Min. Rs. 100/=) |
|
|
|
|
deposit of Foreign
Currency Notes. |
|
|
|
|
|
|
|
|
|
|
|
|
|
f) |
Deposit of Euro, Pound
Sterling & |
|
I) |
|
At upcountry branches |
0.50% |
|
|
|
|
UAE Dirhams Notes in FC
accounts of |
|
|
|
Min. Rs. 150/= |
|
|
|
|
Exchange Companies. |
|
ii) |
|
At Karachi branches |
|
0.25% |
|
|
|
|
|
|
|
|
Min. Rs. 150/= |
|
|
|
|
|
|
|
|
|
|
|
Remittances/Conversions upto amount of
U.S.$. 5,000/= shall be exempt from the above |
|
|
|
|
referred charges. |