CORPORATE CUSTOMER I. CURRENT ACCOUNT FEES & COMMISSIONS II. ESCROW ACCOUNT

Transcription

1 CORPORATE CUSTOMER Companies with yearly turnover over 5 milion (or the equivalent in other currencies)* I. CURRENT ACCOUNT FEES & COMMISSIONS Account Opening Initial deposit and minimal balance no minimum Account maintenance (Monthly) Account statements (Monthly) - at the bank's counters - sent via fax 2 /page - sent via mail 10 - sent via SWIFT MT 940 (daily) 30 Account Statement and SWIFT Copy sent via e-m ** 5 Account closing Customer Compliant (Credit Bureau report) ALL 600 * The commissions are expressed in, however they will be calculated in the respective currency based on the daily exchange rate. **Note : The commission will be charged monthly independent of the frequency requested from the customer for account statement delivery. II. ESCROW ACCOUNT Account Opening Eur 100 III. CASH TRANSACTIONS Cash deposits (all currencies) CASH deposit from Corporates companies in in favor of: -Utilities 150 ALL -Payments performed from Corporate companies in favor of Saving & Lending Companies 150 ALL Premium payment in favor of insurance companies *** 50 ALL ***For premium payment, the commission will be deducted from the premium amount and the insurance company'saccount will be credited for the premium amount minus the respective commission. Payments in favor of Customs Office(valid only in RBAL customs branches/agencies) 0.2% min ALL 100, max ALL 3,000 eposit in Coins 3% of the amount Cash withdrawals: Cash withdrawal limit without notification (daily basis) /daily Commission on daily over-limit amount without prior notification**** 1% of amount - max 300 Cash withdrawals with prior notification in the previous working day - up to 30,000 (equivalent amount in other currencies currencies) - over 30,000((equivalent amount in other currencies currencies) 0.1% min. 10, max. 50 Cash Collection negotiable amaged Banknotes Acceptance Sent for evaluation to the Bank of Albania/ to foreign banks outside the country 5% of the evaluated amount ****Commission of without prior notification, to be applied on every amount beyond the allowed limit proposed above, cash withdrawn within a day.

2 IV. PAYMENTS Incoming Payments -Sender's account within RBAL ALL US 0.15% min. 10 max % min.15 max 110 Other FCY (Values in ALL) 0.15% min. 1,200 max. 10,000 - Sender's account in other bank Outgoing Payments -Beneficiary's account within RBAL 0.2% min % min % min 2,000 - Beneficiary's account in other bank 0.033% min. 500 max. 1,500 max.150 max. 200 max. 20,000 SWIFT/payment US 1,000 Urgency fee/payment 1, ,500 For payments with charges option "OUR", in addition to the above fees, correspondent banks' expenses will be applied (if any) Investigation Fees -Outgoing as per notification from correspondent banks 35/payment 20 /payment Payment amendment fee 2, Payment investigation fee (if customer requests it) 1, Payment return fee -Incoming Payment amendment fee 20 Payment investigation fee (if customer requests it) 15 Payment return fee PAYMENTS TOWAR RAIFFEISEN NETWORK BANKS Outgoing Payments***** 2,000 ALL 20% discount of the agreed price with the customer PAYMENTS WITH RAIFFEISEN BANK KOSOVA ALL US Incoming / Outgoing Not Applicable 10 Equivalent in For payments with charges option "OUR", in addition to Equivalent in the above fees, will be applied the commision Not Applicable 10 ***** For the outgoing payments within the Network Banks will be applied the same value date d +0 (Cut of time: 14:00). as per notification from correspondent banks Other FCY (Values in ALL) Not Applicable Not Applicable

3 V. VISA Electron EBIT CAR ALL 5.1 Monthly Commission Card delivery charge New card issued by Bank Normal card renewal Card reprint by customer request Reprint of lost/ stolen/ damaged card PIN delivery charge First new PIN issued by Bank Customer request for PIN reprint or new PIN Transaction fees Cash Withdrawals Cash withdrawal on RBAL ATM Cash withdrawal at RBAL counter (Manual Cash) omestic cash withdrawal at not RBAL ATM 1.25% (Min. 300) omestic cash withdrawal at not RBAL counter (Manual Cash) 2.75% (Min. 400) International cash withdrawal at ATM 2% (Min. 300) International cash withdrawal at Counter (Manual Cash) 2.5% (Min. 500) Balance Enquiries at ATM Balance Enquiry at RBAL ATM omestic Balance Enquiry at not RBAL ATM International Balance Enquiries Purchases paid by card at Point of Sale (POS) At RBAL Point of Sale (POS) omestic at not RBAL Point os Sale (POS) At International Point os Sale (POS) 1.50% 5.5 Fees per transactions Annual fee for the main card Annual fee for the supplementary card Permanent card blocking fee at customer request (card closure) Permanent card blocking fee for lost/ stolen/ damaged cards Temporary card blocking (includes unblocking of the card) Card Limits Total withdrawal value per day for cash withdrawals 100, Total withdrawal value per week for cash withdrawals 400,000 (4 x Limiti itor) Total withdrawal value per month for cash withdrawals 1,600,000 (16 x Limiti itor) Total no. of transactions per day for cash withdrawals Total no. of transactions per week for cash withdrawals 50 (5 x Limiti itor) Total no. of transactions per month for cash withdrawals 200 (20 x Limiti itor) Total transaction value per day for Cash Withdrawals + POS 300, Total transaction value per week for Cash Withdarawals + POS 1,200,000 (4 x Limiti itor) Total transaction value per month for Cash Withdarawals + POS 4,800,000 (16 x Limiti itor) Total no. of transactions per day for Cash Withdrawals + POS Total no. of transactions per week for Cash Withdrawals + POS 85 (5 x Limiti itor) Total no. of transactions per month for Cash Withdrawals + POS 420 (20 x Limiti itor) VI. SWIFT MESSAGES aily transmission MT 940 Weekly transmission Monthly transmission Service agreement MT 101 Monthly maintenance fee Note: Maintenance fee (charged every last day of month) VII. ELECTRONIC BANKING - MULTICASH Other FCY Values Commissions ALL US in Installation 3, Maintance monthly Re-installation 1, Additional new user 1,

4 VIII.INTERNET BANKING All Entry fee Monthly fee Password reprint fee Administration fee SMS Banking Entry fee Monthly fee Internet Banking + SMS banking Entry fee 1, Monthly fee Password reprint fee Administration fee IX. CHECK Chequebooks (10 pieces) ALL 500 In local currency (Lek) Issuance 0.15% min 15 eur - max 50 eur Acceptance: -own cheques -other cheques 0.15% min 10 eur - max 30 eur Collection 0.1% min 10 eur - max 50 eur In foreign currency: Issuance 0.15% min 15 eur - max 200 eur Acceptance: -own cheques -other cheques 0.3% min. 10, max. 200 Collection 0.3% min 80, max. 250 Sale of Traveller's cheques 1% min. 1.5 Purchase of Traveller's cheques 1% min. 1.5 Sale of cheques in US issued by Raiffeisen Bank SHA 5 /cheque Note: Cheques in currencies other than and US, can be paid out in as per the exchange rate used by our correspondent bank, or in original currency. In case the customer requires the cheques to be paid in original currency, besides the above listed, the customer must bear the HL charges of 50. Note: Cheques in foreign currency with amounts equal or above US 10,000 or 8,000 (or equivalent) are received only for collection.

5 X. LETER OF CREIT Import letters of credit Pre-advise Opening/ Increasing Issuing 0.2% min. 50 Confirming (for all validity period including deferred payments) min 0.15% min. 40 p.q. or fraction thereof Payment 0.25% min. 50 /payment eferred Payment 0.2% min. 50 Amendment 50 iscrepancy fee /Cancellation 40 Export letters of credit Pre-advise Advising 0.1% min. 50 Confirming min 0.2% min. 50 p.q. or fraction thereof Negotiation/ Payment/ Handling 0.25% min. 50 /payment Amendment 50 Transfers 0.2% min. 50 Postage XI. ocumentary Collection Payment/ Acceptance 0.25% min. 30 elivery / to other banks 0.15% min. 50 Returned unpaid / unacceptable 0.15% min. 50 Postal charges XII. BANK GUARANTEES Preliminary Consulting negotiable Under full cash coverage: In foreign currency In ALL standard 30 flat 700 ALL non-standard standart 50 flat 1,0001 ALL Amendment ALL as per corporate payments terms and as per corporate payments terms and Payment if requested conditions conditions Under a guarantee line: Issuance: standard 0.1%min. 50 non-standard 0.25%min. 50 Risk Premium negotiable Amendment Eur 40; Issuance fee in case of amount increase and/or extension of validity Payment if requested 0.4% min Eur 20, max Eur 200 / within RBAL as per in RBAL Corporate terms and Advising Eur 40 Guarantees issued on the basis of counter guarantee from other banks Issuance of Bank Guarantee on the basis of a counter guarantee from third Banks 0.1% min Eur 50 Commitment fee 0.5% min Eur 100 per quarter emand for Payment under a Bank Guarantee (Claim) 0.4% min Eur 20, max Eur 200 Amendment Eur 40; Issuance fee in case of amount increase Increase Amount or Validity Extension Provision for issuing under BG/Confirmation fee for the increased amount or extended Other Bank Charges / Courier Other fees SWIFT 10

6 XIII.LOAN TERMS TL O Multipurpose Application commission ALL 40' % of applied limit* Tenor months 12 months 12 month Amount no limit no limit not less than 100,000 Currency ALL,, US ALL,, US ALL,, US Interest Rate (minimum 8%) TRIBOR1 / IBOR2 / TRIBOR / IBOR / LIBOR TRIBOR / IBOR / LIBOR LIBOR3 + margin4 per year + margin per year + margin per year 0.5% - 1% of disbursed Administration fee amount (based on customer 0.5% - 1% of disbursed amount 0.5% - 1% of disbursed amount rating) (based on customer rating) (based on customer rating) LC/BG Commission Line Commitment fee 1% of the unused amount 1% of the unused amount 2% - 4% of used amount of the BG/LC line, per year 1% of the unused amount Interest Rate plus Interest Rate plus 5% -10% of past 5% -10% of past due Interest Rate plus 5% - 10% of Penalties due amount amount the past due amount 3% of the prepaid 3% of the prepaid amount Early repayment fee principal amount 3% of the prepaid limit amount 1. TRIBOR is the Inter Bank Offered Rate for LEK which is quoted from the Bank of Albania (Boa) and is published on business daily basis on am (Albanian time). 2. IBOR is the Inter Bank Offered Rate for which is quoted from the European Banking Federation (EBF) and is published on business daily basis on am (Belgium time). 3. LIBOR is the Inter Bank Offered Rate for US which is quoted from British Bank Association and is published on business daily basis on am (London time) 4. Interest margin is expressed in percentage and is negotiable case by case. It is added to the Interest Base RatesTribor/Euribor/Libor *Equivalent in other currencies MISCELLANEOUS SWIFT 10 Periodic Payments (Standing Orders) Free of Charge irect ebit 50 ALL/Successful transaction SWEEP Free of Charge Certified copies 5 Certificate confirming no obligation/ relations with RBAL 10 Bank opinion/ Letter of recommendation 50 Postage Courier Confirmation Fees for audit issues Confirmation via mail (National) 15 including post mail charges (equivalent in other currencies) Confirmation via mail (International) 15 Plus post mail charges (equivalent in other currencies) ANNEX Time Processing (ebiting of Customer's account) Value ate (Crediting of Beneficiary's account) Within Raiffeisen Bank, Albania omestic (In other Banks): a) up to 1,500,000 ALL b) 1,500,000-30,000,000 ALL Over 30,000,000 ALL Payment in Foreign Currency Within Raiffeisen Bank, Albania (electronic p/o) P/O in foreign currency abroad (electronic p/o) up to 13:00 after 13: up to 14:30 after 14: up to 14:30 +1 / only by treasury conf. after 14:30 +2 up to 14: / only by treasury conf. after 14: up to 15:15 after 15: up to 15: after 15: