Pricelist and conditions for products and services. Corporates and Commercial Clients

Transcription

1 Pricelist and conditions for products and services Corporates and Commercial s September 2018

2 Pricelist and conditions for products and services Corporates and Commercial s 1. Account Management Commission - EUR Comment Opening of current account Maintenance of current account 1 Opening of term deposit account Maintenance of term deposit account Per month Generating account statement via e-banking No limits Printing of account statement in branches Once per month, the rest Eur 1 Monthly fee for mailing account statement 2 Per month Authorization in accounts 5 Per person Closure of accounts Any account 2. Electronic service channels Commission - EUR Registration in e-banking for businesses Maintenance of e-banking for businesses 1.5 Registration in mobile banking Maintenance of Mobile Banking Call center service Standing orders 3. Transfers / Payments Commission - EUR 3.1. Transfers e-banking Branch Transfers within BKT incoming transfers outgoing transfers over 10,000 EUR 4 5 outgoing transfers up to 10,000 EUR outgoing transfers with priority Transfers e-banking Branch incoming transfers 0.15% of amount, minimum EUR 15 and maximum EUR 750 outgoing transfers (standard/priority) 0.20% of amount, minimum EUR 15 and maximum EUR % / 0.25%, minimum EUR 15 / 25 and maximum EUR 500 / EUR Transfers with BKT Albania e-banking Branch Incoming from Albania Outgoing to Albania 3.4. Other international transfers services Commission - EUR Comment Account confirmation through SWIFT 5 Transactions Account confirmation through SWIFT 30 monthly fee Returning of incorrect payments 5 Incorrect data 5 Amending commission 50 Commission for changing of value date 25 Payment investigation 8 10 per transaction

3 3.5. Other payments Commission - EUR Comment TAK payments via e-banking 0.5 Per payment Receiving of salary list 2 Per list Salary processing within BKT Salary processing with other banks 2 / euro for a list of 20 salaries, the rest 0.1 euro per salary Giro payments for customs 1 Collector payments / Terminal and tax declaration 0.4 KOS GIRO for insurance companies via e-banking 0.5 and 1 depending on the company KOS GIRO for PTK and water supply KOS GIRO for other companies Public services, treasury and other payments Within bank s terminals 1.5 (via account) and 2 (with cash) 4. Credit Card - STANDARD MASTER Commission - EUR Card issuance for the first time Card reissuance in case of lost/stolen/damaged card 10.5 PIN generation / regeneration Change of PIN in ATM First one, the rest 3.5 EUR Yearly card maintenance 14 Monthly card maintenance Payments via BKT POS Payments via other banks POS within and outside the country Payments via internet Online payments limit of charge and no limit Up to 50% of card limit, not more than 7,000 EUR Minimum payment 10% Cash withdrawal and cash advance limit via e- banking Up to 10 transactions per day - max 600 EUR Monthly interest for purchases 1.50% Monthly interest for cash withdrawals at ATMs Monthly interest for payment of minimum amount in arrears Cycle 1 Cycle 1 2% interest + 7 EUR per transaction 2% 5th of each month 20th of each month 5. POS Service Commission - EUR Maintenance of POS account Monthly maintenance of POS GPRS 1.5 EUR fee for up to 1,000 EUR turnover, of charge for over 1,000 EUR turnover

4 6. Cash Management 6.1. Withdrawals Commission - EUR Comment Cash withdrawals in branch EUR 0-19, per transaction Cash withdrawals in branch EUR 20, , Cash withdrawals in branch over EUR 100, % Of withdrawn amount 6.2. Deposits Commission - EUR Direct deposits into own account in branches Deposits from third parties 1 EUR (working days) / 3 EUR (weekend) Cash deposits of coins - 1 to 50 pieces Cash deposits of coins - over 50 pieces 5%, minimum EUR Other cash services Commission - EUR Damaged money - 1 banknote 1 Damaged money - more than 1 banknotes EUR 0.5 per piece 6.4. Cash in Transit Service Commission - EUR Cash collection in Prishtina Region one time 250 EUR / per transaction Cash collection outside Prishtina Region one time 400 EUR / per transaction Cash collection in Prishtina Region once a week 150 EUR / per transaction Cash collection outside Prishtina Region once a week 250 EUR / per transaction Cash collection in Prishtina Region once a month 200 EUR / per transaction Cash collection outside Prishtina Region once a month 300 EUR / per transaction Monthly cash collection in four places daily basis 4,000 EUR / fixed fee 7. Other banking services Commission - EUR Confirmation of credit product payment 25 Change of collateral (unregistration, modification, consent) Minimum 15 - does not apply for loans closed in normal circumstances Confirmation for collateral assessment 25 Copy of documents from client s file up to 6 months 2 Copy of documents from client s file above 6 months 5 Visa confirmation 2.5 Confirmation for external audit 5 Confirmation for account possession 2.5 Reference letter / intent / turnover for loan clients 5 Reference letter / intent / turnover for non-loan clients 10 Confirmation for banking expenses 5

5 Pricelist and Conditions for Structured Finance LETËR KREDITË LK / ME MBULESË KESHI LETËR KREDITË LK / NORMALE TË FINANCUARA Confirmation through other banks LC against Counter Guarantee LETËR GARANCION LG /ME MBULESË KESHI LETËR GARANCION LG /NORMALE TË FINANCUARA Confirmation through other banks LG against Counter Guarantee LK & LG KOMISIONET E NDËRLIDHURA Advising commission Documents acceptance Deferred payment Import confirmation Export confirmation Sending of documents Changing and cancellation Transfer (in favor of third party) Commission - EUR 1.2% p.a / fee min 50 EUR 2% p.a / fee min 100 EUR 0.5% of LC amount 4.5% p.a / fee min 50 EUR 4.5% p.a / fee min 100 EUR Depending on other banks conditions Negotiable 0.5% of LC amount 1.2% p.a / fee min 50 EUR 2% p.a / fee min 100 EUR 0.5% of LG amount 4.5% p.a / fee min 50 EUR 5% p.a / fee min 100 EUR Depending on other banks conditions Negotiable 0.5% of LG amount 0.5% / Min 100 EUR 0.2% / Min 50 EUR 0.2% / Min 50 EUR 0.4% / Min 50 EUR 0.2% / Min 50 EUR Fee of DHL 40 EUR 0.4% / Min 100 EUR, Max 500 EUR

6 Pricelist and Conditions for Business Loans INTEREST RATE (P.A) DISBURSEMENT COMMISSION EFFECTIVE INTEREST RATE* PRODUCT AMOUNT LOAN PURPOSE MATURITY (MONTH) Existin g New Existing New Existing New 13.0% 13.5% 1.0% 1.5% 15.07% 16.08% LOAN 5,000-25,000 25,001-50,000 50, ,000 Investment % 13.5% 1.0% 1.5% 14.63% 15.49% purposes % 13.5% 1.0% 1.5% 14.80% 15.72% 12.7% 13.3% 1.0% 1.5% 14.39% 15.50% Investment % 13.0% 1.0% 1.5% 13.84% 14.69% purposes % 13.0% 1.0% 1.5% 13.96% 14.87% 12.5% 12.7% 1.0% 1.3% 14.12% 14.60% Investment % 12.5% 1.0% 1.3% 13.51% 13.88% purposes % 12.5% 1.0% 1.3% 13.59% 13.98% REVOLVING LINE OVERDRAFT 100, , % 12.3% 1.0% 1.3% 13.53% 14.12% Investment % 12.0% 1.0% 1.3% 12.60% 13.30% purposes % 12.0% 1.0% 1.3% 12.67% 13.40% 25,000-50,000 Inventory 14.0% 15.0% 1.0% 1.3% 16.17% 17.71% 50,001 - Liquidity ,000 purposes / 13.0% 14.0% 1.0% 1.3% 15.02% 16.55% 100, ,000 short term needs 12.0% 12.5% 1.0% 1.3% 13.88% 14.82% 25,000-50,000 Inventory 14.0% 15.0% 1.0% 1.3% 16.17% 17.71% 50,001 - Liquidity ,000 purposes / 13.5% 14.0% 1.0% 1.3% 15.60% 16.55% 100,001 - short term 250,000 needs 12.0% 12.5% 1.0% 1.3% 13.88% 14.82%

7 Pricelist and Conditions for Agro Loans PRODUCT AMOUNT LOAN PURPOSE MATURITY (MONTH) INTEREST RATE (P.A) DISBURSEMENT COMMISSION EFFECTIVE INTEREST RATE * AGRO LOAN 1,000-5,000 5,001-10,000 10,001-30,000 30,001-50,000 > 50, % Investment % 2.0% 26.93% purposes % 22.15% Investment % 2.0% 21.06% purposes % 16.77% Investment % 2.0% 15.82% purposes % 13.01% Investment % 1.0% 12.57% purposes % 12.53% Investment % 1.0% 12.11% purposes % Note: The above presented effective Interest rate is calculated based on the lowest amount defined per product and maturity