Schedule of Bank January to June 2018 The better way to bank Call Now: 111-786-DIB (342)
Our next branch...your home! The Dubai Islamic Internet Banking service offers you a range of tools that make your life so much easier. Instant online registration Instant Funds transfer in local and foreign currency Order VISA Debit/ATM cards www.dibpak.com Invest in Fixed Deposit accounts Make Payorders/Demand Drafts View/download account statements The better way to bank Call Now: 111-786-DIB (342)
TABLE OF CONTENTS General Banking REMITTANCES...2 INTER-BRANCH ONLINE TRANSACTIONS...3 GENERAL BANKING SERVICES...3 STANDING INSTRUCTIONS...4 ATM/DEBIT CARD...4 REPORTS & CERTIFICATES...5 FOREIGN EXCHANGE PERMITS...5 SMS BANKING...5 PHONE BANKING...5 INTERNET/MOBILE BANKING...6 INTER BANK FUNDS TRANSFER FACILITY...6 BASIC BANKING ACCOUNT...6 INVESTOR PORTFOLIO SECURITIES ACCOUNT...6 RTGS...6 Priority Banking WAJAHA PRIORITY BANKING...7 AAYAN PRIORITY BANKING...10 Consumer Finance HOME FINANCE...12 BUSINESS FINANCE...13 AUTO FINANCE...14 FLEET FINANCING...14 CONSUMER DURABLE FINANCE...15 AUTO LEASING...15 Trade Services IMPORTS...16 EXPORTS...17 INLAND BILLS...18 GUARANTEES...18 CORPORATE BANKING...19 CASH MANAGEMENT...19 NOTES...20 1
GENERAL BANKING REMITTANCES (FCY) Inward If own Bank (Home Remittances under PRI) If another Bank (Other than Home Remittance) Remittances where TT required $3 plus Local SWIFT (Other than Home Remittance) Home Remittances PRI where beneficiary has an account with us Outward Issuance of Foreign Currency Demand Draft (FDD) 0.1% Min $15, Max $25 Foreign Remittance Telex/SWIFT - $20 International Cancellation of FDD USD 5 + postage/swift if any Stop Payment/Caution Marking of FDD $10 Duplicate FDD Same as FDD issuance charges Service for issuance of EPRC against Advance Payment Rs. 300/- Cash holding charges - if remittance or conversion 0.4% (of cash deposit) is done against FCY cash deposit within 15 days* DDs, MTs and TTs (within Bank network) 0.1%, Min Rs. 100/- Max: Rs. 5,000/- DDs, MTs and TTs (outside Bank network) 0.1%, Min Rs. 500/- Max: Rs. 7,500/- DDs, MTs and TTs against cash for Account Holders 0.2%, Min Rs. 200/- Max: Rs. 10,000/- Telex/SWIFT - Domestic Rs. 500/- Cancellation of DD Rs. 250/- Pay Order Issuance Rs. 100/- (Flat) 0.50% of fees/dues or PKR 25/- per Pay Order in favor of Education Institutes instrument whichever is less (inclusive of FED) Pay Order Issuance against Cash for Account Holders Rs. 300/- Cancellation of Pay Order Rs. 200/- Stop Payment/Caution Marking of DD, PO* Rs. 250/- Revalidation of PO/DD Rs. 50/- (Flat) Issuance of Duplicate DD, PO Rs. 200/- Note: Above charges are exclusive of Government Levies/ Duties. Correspondent charges where applicable are at actual. * Charge will be in effect from January 26, 2018 REMITTANCE (LCY) OTHER TELEX/SWIFT CHARGES Letter of Credit -Full Telex/SWIFT Rs. 1,200/- or $20 Letter of Credit - Short Telex / SWIFT Amendment by Telex / SWIFT Rs. 600/- or $15 2
GENERAL BANKING INTER-CITY TRANSACTIONS, CLEARING & COLLECTION USD clearing through NIFT $5 or equivalent Same day clearing of high value instruments via NIFT* Foreign bills sent for collection (FOBC) Outward Bills for Collection Stop payment of cheque / Lost cheque book Retrieval of paid cheque - Within 1 Year Retrieval of paid cheque - After 1 Year Cheque returned unpaid - Inward clearing Account Closure** Hold mail service Service for Reminder Letters Rs. 250/- per instruction Rs. 250/- Rs. 500/- Rs.500/- Rs. 200/- or available balance whichever is lower Rs. 1,000/- per year Rs. 100/- Statement of Account on ad hoc basis Rs. 35/- per statement (inclusive of FED) * will be in effect from January 26, 2018 ** Does not apply on regular savings account All charges are exclusive of FED, FED applicable as per law 3 Rs. 300/- 0.1%, Min $ 5, Max $ 25. Intercity Clearing (where NIFT is available) Rs. 100/- OBC Clearing (where NIFT is not available) Rs. 300/- Inward Bills for Collection Rs. 400/- or $ 5 per collection (for correspondent Bank collection) INTER-BRANCH ONLINE TRANSACTIONS Inter-city account to account transfer Cash/cheque deposit (within-city) Cash/cheque deposit (inter-city) Cash withdrawal (within-city) Cash withdrawal (inter-city) GENERAL BANKING Issue of SBP/NBP cheque Rs. 500/- Cheque Book issuance (same charges for all eventualities including loss of Cheque Book) Rs. 11/- per leaf Cheque Book Issuance - FCY account $ 2 AED 7 (Per 25 leaves) Euro 2 GBP 1 Customized / Specialized Cheque Book Rs. 20/- per leaf
GENERAL BANKING 4 ASAAN ACCOUNT** Asaan - Cheque Book (Saving Accounts only) Rs. 5 per leaf Asaan - Pay Orders Rs. 100 per Pay Order Asaan - Pay Pak Debit Card Rs. 300/- + FED BUSINESS ACCOUNT FREE SERVICES Cheque Book FREE Silver VISA Debit Card FREE (LCY) Payorder/Demand Drafts FREE Statement of Account FREE Intercity Same Day Clearing FREE Certificates & Reports FREE SMS Alerts Service FREE Online Banking FREE Note: Month to date average balance requirement of PKR 100,000/- has to be met to be eligible for the free services. STANDING INSTRUCTIONS Standing Instruction per transaction (LCY) Standing Instruction per transaction (FCY) Amendment Rs. 100/- US$ 5 per transaction Rs. 100/- LOCKER FACILITY One time security deposit Small - Annual Fee Medium - Annual Fee Large - Annual Fee Lockers - Late Payment Charge per Month* Breakage per Locker Rs. 2,000/- Rs. 3,500/- Rs. 4,500/- Rs. 6,000/- Rs. 100/- Upto Rs. 5,000/- * To be deposited in the Charity Fund. CASH PICK UP & DEPOSIT Upto Rs. 5,000/- within 20 km per trip; beyond will be as agreed with client.** Vault charges if availed Rs. 600/- per night Seal charges Rs. 25/-per seal (if applicable) Note: also to apply on customers availing cash manager account (Current/Savings) but not maintaining minimum requirements Primary Card Annual Fee ATM / DEBIT CARD Silver/Junior* Gold** Platinum Signature Rs. 750/-300/- Rs. 900/- Rs. 1,500/- Rs. 3,500/- Packages Existing ATM/ Debit Card Holder Non ATM/ Debit Card Holder Pre Pay Debit Basic Rs. 250/- Rs. 500/- Enhance Rs. 350/- Rs. 750/- Premium Rs. 500/- Rs. 1,250/- On DIBPL ATMs ATM Balance inquiry ATM Mini-statement ATM cash withdrawal Statement of Account Request through ATM On Local Shared Network ATMs ATM Balance Inquiry 1 Link: Rs. 2.5/-, MNET: Rs. 5/- ATM cash withdrawal Rs. 15/- * All charges are exclusive of FED, Supplementary cards are not offered by the Bank ** will be in effect from January 26, 2018
GENERAL BANKING International Cash Withdrawal and POS Transactions Cash Withdrawal Balance Inquiry Document/Transaction Retrieval POS & Internet Purchase ATM/Debit Card Miscellaneous Replacement of lost or damaged card PIN replacement 4.0% per transaction PKR 200/- per enquiry PKR 850/- per document/transaction 4.0% per transaction Rs. 550/- REPORTS & CERTIFICATES Confirmation of Balance to auditors Rs. 200/- per certificate Obtaining credit reports on behalf of customer Rs. 200/- per certificate Certificate regarding profit paid and tax deducted Rs. 200/- per certificate during the year Financial/Credit worthiness certificates Rs. 200/- per certificate Proceeds Realization Certificate and Encashment Rs. 200/- per certificate Certificates Balance Confirmation certificate WHT Certificates Zakat Certificates Other Certificates Initial Remittance Subsequent Remittances Telegram Courier Inland Courier Foreign Telephone Fax Stamp paper Brinks charges where applicable Return Mail charges FOREIGN EXCHANGE PERMITS COURIER & OTHER MISCELLANEOUS SMS BANKING Consumer Asset Accounts (Auto/Home) Upto Rs. 100/- per month Consumer Retail Accounts Rs. 150/- (Individual Accounts) Company Accounts Upto Rs. 500/-per month INTERNET BANKING / MOBILE BANKING Monthly Service Statement of Account Account Summary 5 Rs. 200/- per certificate Rs. 200/- per certificate Rs. 200/- per certificate Rs. 1,200/- per permit Rs. 500/- per permit At actual Rs. 100/- Rs. 1,000/- Rs. 200/- Rs. 200/- At actual At actual Rs. 50/-
GENERAL BANKING INTERNET BANKING / MOBILE BANKING Mini-statement Funds Transfer (Intra-Bank) SWIFT Remittance Request $20 Utility Bill Payment Cheque Book Issuance Request Request for Issuance of PO / DD Book Fixed Deposits Mobile Top-up-as and when the service is offered GENERAL BANKING INTER BANK FUND TRANSFER FACILITY (IBFT) Silver/ Gold/ Internet Banking/ Mobile App PKR 85 Platinum/ Signature ATM Silver/ Gold Card Platinum/ Signatue Card PKR 85 All are inclusive of FED & Switch, FED applicable as per law BASIC BANKING ACCOUNT 2 deposit transactions and 2 chequing withdrawals are allowed, free of charge. However, any subsequent deposit or withdrawal transaction will be charged at Rs. 100/- per transaction. INVESTOR PORTFOLIO SECURITIES ACCOUNT (IPS) 0.25% of Investment Amount, Holding charges per annum Min: Rs. 2,500/- Max: Rs. 5,000/- Ad Hoc Account Statement Transaction (Sale/Purchase) Rs. 100/- each Rs. 500/- per transaction Security Movement Rs. 500/- per transaction RTGS Days Transaction Per Transaction DIBPL Time Windows (PKR) SBP 9:00AM to 3rd Party Fund Transfers 200/- 20/- 2:00 PM Through PRISM System Monday (RTGS) 2:01PM to to 300/- 30/- 3:00 PM Friday 3:01 PM to 500/- 50/- 4:30 PM DIBPL - DOMESTIC MONEY TRANSFER Transaction Slabs ** Transaction Slabs ** Rs. 1/- 1000/- Rs. 60/- Rs. 1001/- 2500/- Rs. 120/- Rs. 2,501/- 4,000/- Rs. 170/- Rs. 4,001/- 6,000/- Rs. 240/- Rs. 6,001/- 8,000/- Rs. 290/- Rs. 8,001/- 10000/- Rs. 350/- Rs. 10,001/- 13,000/- Rs. 375/- Rs. 13,001/- 15,000/- Rs. 400/- ** Inclusive of 16% Federal Excise Duty 6
Segment Wajaha Schedule of (January to June 2018) WAJAHA PRIORITY BANKING Overall Card Priority Int Airport Relationship Pass lounges 20 M & Above 10 M & Above Signature Signature Local Airport lounges DIB Lounges Segment 3 M & Above Platinum/Gold Overall Card SoC Service Withdrawal Relationship Waivers Fee** Limit 20 M & Above Signature 1,800 150,000 POS Limit 350,000 Wajaha 10 M & Above Signature 1,500 150,000 350,000 3 M & Above Platinum/Gold 1,200 100,000 200,000 If own Bank If other Bank REMITTANCES (FCY) Inward Checking Account Home Remittances where beneficiary has account with us Outward Issuance of foreign currency duplicate demand draft (FDD) Cancellation of FDD Foreign Remittance Telex/SWIFT -International REMITTANCES (LCY) DDs, MTs and TTs (within network) DDs, MTs and TTs against Cash for Account Holders Telex/SWIFT - Domestic Pay Order Issuance from account Stop Payment/Caution Marking of DD, PO $20 Note: Correspondent charges where applicable are at actual INTER-CITY TRANSACTIONS, CLEARING & COLLECTION USD clearing through NIFT Same day clearing of high value instruments via NIFT Rs.250/- Rs.250/- OBC Charge / Intercity Collection Intercity Clearing (where NIFT is available) Rs. 100/- OBC Clearing (where NIFT is not available) Rs. 300/- IBC Charge (for correspondent bank collections) Rs. 400/- or $5per collection 7
WAJAHA PRIORITY BANKING Checking Account INTER-BRANCH ONLINE TRANSACTIONS Inter-city account to account transfer Online cash deposit Online cash withdrawal * WAJAHA waiver grid will apply BANKING TRANSACTIONS Cheque Book issuance (charges the same for all eventualities including loss of Cheque Book) Starter Cheque Book Stop payment of cheque of cheque returned unpaid Account Reactivation Statement of Account on ad hoc basis Change of address / Telephone number STANDING INSTRUCTIONS Standing Instruction per transaction WAJAHA PRIORITY BANKING ATM/DEBIT CARD Annual Fee Primary Card Supplementary On DIBPL ATMs ATM Balance inquiry ATM Mini-statement ATM cash withdrawal Statement of Account Request through ATM International and POS Transactions Balance inquiry - International ATM ATM/Debit Card Miscellaneous Replacement of lost or damaged card PIN replacement Rs. 200 8
WAJAHA PRIORITY BANKING AND NRP ACCOUNTS Checking Account Confirmation of Balance to Auditors Profit & Tax Certificate REPORTS & CERTIFICATES Certificate Balance Confirmation Certificate WHT Certificates Zakat Certificates MISCELLANEOUS Courier Inland Courier Foreign Return Mail charges INTER BANK FUND TRANSFER FACILITY (IBFT) IBFT Fee (IB / Mobile App) Rs. 85/- IBFT Fee (ATM) Rs. 85/- LOCKER FACILITY One time -Security Deposit Small - Annual Fee Rs. 3,500/- Medium - Annual Fee Rs. 4,500/- Large - Annual Fee Rs. 6,000/- Lockers-Late Payment Charge Per Month Rs. 100/- Breakage per Locker Upto Rs. 5,000/- Upto 50% Processing fee waiver and verification waiver***on the following Consumer Finance Products: Auto Finance Home Finance Personal Finance * Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. ** The service fee shall be applicable when the customer does not meet the minimum balance requirement. Note: In case non maintenance of priority banking required balance, local and international airport lounge charges will be recovered on actual from the customer account. NRP Customers maintaining PKR 1 M checking account are eligible for Platinum/- Gold segment. SMS charges are waived in Wajaha Segment. *** Conditions apply 9
AAYAN PRIORITY BANKING Aayan Overall Relationship* 1M to 3M Card Offered Gold / Rs. 900 Local Airport Louge Access DIB Lounges ATM Withdrawal Limit POS Limit Cheque Book & PO Issuance*** Rs 100K Rs 200K Airport Lounges Facility of charge access to Local Airport Lounges: Karachi Lahore Islamabad Multan Consumer Banking Upto 25% Processing fee waiver and verification waiver** on the following Consumer Finance Products: Auto Finance Home Finance Personal Finance Note: In case of non maintenance of Aayan banking required balances, local lounge charges will be recovered on actual from the customer accounts. NRP Customers maintaining PKR 500K checking account are eligible for Aayan segment. Minimum membership fee of PKR 500 will be charged monthly upon non maintenance of required balances. * Minimum average balance requirement of Rs. 1 million on relationship level ** Conditions apply *** will be in effect from January 26, 2018 10
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CONSUMER FINANCE HOME FINANCE Application Processing Upto Rs. 25,000/- Overseas Pakistani - Application Processing Upto Rs. 50,000/- Property Appraisal At actual / Upto Rs. 5,000/- Legal At actual / Upto Rs. 10,000/- Income Estimation At actual / Upto Rs. 10,000/- Title Documents Verification At actual / Upto Rs. 10,000/- Property Takaful Cheque Return Late Payment * In case of Early Settlement In case of Partial Settlement Partial Settlement Processing Finance Enhancement Processing Asset Repossession Duplicate Payment Schedule Issuance Document Retrieval Tax Certificate Issuance Request for change In Financing Tenor Product Switching to Relevant KIBOR** Cash / Cheque Pick-up charges As per the rate quoted by the Takaful Company Upto Rs. 1,000/- Upto 20% of the monthly rent overdue Purchase price to be calculated as per following formula: Outstanding fixed rental + accrued and unpaid Variable Rental + accrued and unpaid supplementary rental (if any) + a sum equal to a maximum of 20% of the outstanding fixed rental Purchase price to be calculated as per following formula: Partial settlement Portion of the outstanding fixed rental + accrued and unpaid Variable Rental + accrued and unpaid Supplementary Rental (if any) + a sum equal to a maximum of 5% of the Outstanding Fixed Rental Upto Rs. 5,000/- Upto Rs. 10,200/- At Actual Rs. 1,000/- Rs. 1,000/- Rs. 1,000/- Upto Rs. 10,000/- Upto Rs. 40,000/- Cash Pick-up: Rs. 2,000/- and Cheque Pick-up: Rs. 1,000/- * Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. ** To be included in the subsequent first rental after execution of product switching request 12
CONSUMER FINANCE BUSINESS FINANCE Application Processing Upto Rs. 20,000/- Property Appraisal At actual / Upto Rs. 5,000/- Legal At actual / Upto Rs. 10,000/- Income Estimation At actual / Upto Rs. 10,000/- Title Documents Verification At actual / Upto Rs. 10,000/- Property Takaful As per the rate quoted by the Takaful Company Cheque Return Upto Rs. 1,000/- Late Payment * In case of Early Settlement In case of Partial Settlement Partial Settlement Processing Finance Enhancement Processing Asset Repossession Duplicate Payment Schedule Issuance Charge Document Retrieval Tax Certificate Issuance Request for change in Financing Tenor Product Switching to Relevant KIBOR** Cash / Cheque Pick-up Upto 20% of the monthly rent overdue Purchase price to be calculated as per following formula: Outstanding Fixed Rental + accrued and unpaid Variable Rental + accrued and unpaid Supplementary Rental (if any) + a sum equal to a maximum of 20% of the Outstanding Fixed Rental Purchase price to be calculated as per following formula: Partial settlement Portion of the outstanding fixed rental + accrued and unpaid Variable Rental + accrued and unpaid Supplementary Rental (if any) + a sum equal to a maximum of 5% of the Outstanding Fixed Rental Upto Rs. 5,000/- Upto Rs. 10,200/- At Actual Rs. 1,000/- Rs. 1,000/- Rs. 1,000/- Upto Rs. 10,000/- Upto Rs. 40,000/- Cash Pick-up: Rs. 2,000/- & Cheque Pick-up: Rs. 1,000/- * Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. ** To be included in the subsequent first rental after execution of product switching request 13
CONSUMER FINANCE Processing * Minimum Financing Value of Vehicle Vehicle Valuation Upfront Tracker Fee Monthly Tracker Management Fee Cheque Return Cheque / Cash Pick-up Late Payment Charge** Insurance/Takaful In case of Early settlement Vehicle Repossession Registration Service Fee*** Tax Certificate Issuance Income Estimation AUTO FINANCE Upto 10% of the value of financed vehicle Documents Retrieval Rs. 1,000/- Monthly Tracker fee after maturity/ settlement of the finance Rs. 150,000/- At Actual / Upto Rs. 10,000/- Upto Rs. 22,000/- (inclusive of FED) Upto Rs. 2,500/- (inclusive of FED) Upto Rs. 1,000/- Upto Rs. 1,000/- Upto 20% of the monthly rent overdue As per the rate quoted by the Insurance/Takaful Company Purchase price to be calculated as per following formula: Outstanding Fixed Rental + accrued and unpaid Variable Rental + accrued and unpaid Supplementary Rental(if any) + a sum equal to a maximum of 20% of the Outstanding Fixed Rental At Actual / Upto Rs. 40,600/- At Actual / Upto Rs. 20,000/- Rs. 1,000/- At Actual / Upto Rs. 10,000/- Rs. 2,000/- per month after finance maturity date Re-Issuance of NOC Upto Rs. 1,000/- Changes in PO after approval Upto Rs. 2,000/- * In case of cancellation after case approval, all charges will be refunded except processing charges at actual. ** Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. *** Over and above the charges imposed by Excise & Taxation dept. for the registration of vehicles. Processing * Vehicle Valuation Late Payment ** Early Settlement Registration Service Fee*** Insurance/Takaful FLEET FINANCE Upto 10% of the Value of the financed vehicle Upto Rs. 15,000/- Upto Rs. 20% of the monthly rent overdue Purchase price to be calculated as per following formula: Outstanding Fixed Rental + Accrued and unpaid variable rental + Accrued and unpaid Supplimentary rental (if any) + a sum equal to a maximum of 20% of the Outstanding Fixed Rental Upto Rs. 20,000/- As per the rate quoted by the Insurance/Takaful Company * In case of cancellation after case approval, all charges will be refunded except processing charges at actual. ** Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. *** Over and above the charges imposed by Excise & Taxation dept. for the registration of vehicles. 14
CONSUMER FINANCE CONSUMER DURABLE FINANCE Processing Upto Rs. 4,000/- Tax Certificate Issuance Rs. 1,000/- Income Estimation Upto Rs. 5,000/- Cheque Return Upto Rs. 1,000/- Cheque / Cash Pick-up Cash pick-up Rs 2,000/- Cheque pick up Rs 1,000/- Late Payment Charge* Upto 35% of monthly installment overdue Duplicate payment Schedule Issuance Rs. 1,000/- Documents Retrieval Rs. 1,000/- CONSUMER PERSONAL FINANCE Processing Upto Rs. 5,000/- + FED * Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. CONSUMER FINANCE AUTO LEASING Processing * Upto 10% of the value of financed vehicle Application Login Upto Rs. 1,000/- Vehicle Valuation At Actual / Upto Rs. 10,000/- Upfront Tracker Management Fee Upto Rs. 20,000/- Montly Tracker Management Fee Upto Rs. 2,000/- Monthly Tracker fee after maturity/ settlement of the finance Upto Rs. 2,000/- per month after finance maturity date Cheque Return Upto Rs. 1,000/- Cheque / Cash Pick-up Cash pick-up Rs 2,000/- Cheque pick up Rs 1,000/- Late Payment Charge** Upto 20% of the monthly rent overdue Insurance/Takaful As per the rate quoted by the Insurance/Takaful Company Purchase price to be calculated as per following formula: Outstanding Fixed Rental + Accrued and In case of Early settlement unpaid variable rental + Accrued and unpaid Supplementary rental (if any) + a sum equal to a maximum of 20% of the Outstanding Fixed Rental Vehicle Repossession At Actual / Upto Rs. 25,000/- Registration Service Fee+*** Upto Rs. 20,000/- Tax Certificate Issuance Rs. 1,000/- Document Retrieval Rs. 1,000/- Income Estimation At Actual / Upto Rs. 10,000/- * Incase of cancellation, all charges will be refunded except documentation charges of Rs. 7,200/= + applicable FED. ** Late Payment will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer. *** Over and above the charges imposed by Excise & Taxation Dept. for the registration of vehicles. 15
CORPORATE & INVESTMENT BANKING Fresh/ Renewal/ Enhancement/ Excess over Limit (funded and non-funded) Processing/ Handling fee to be charged as agreed with the client. Head of CIBG or Competent Authority is authorized to approve amount of charges/ Waiver of the processing/ Handling fee on the basis of Corporate relationship. The agreed/ negotiated charges to be mentioned in the offer letter. Investment Banking Transactions Advisory/ Arrangement fee as negotiated with the client to be finalized with the approval of head of CIBG or Competent Authority. The agreed/ negotiated fee to be mentioned in the offer letter/ term sheet. Issuance of NOC for creation/ Minimum processing/ handling charges of Rs. 5,000/-. up-gradation of charge against However, Head of CIBG or Competent Authority is the assets of the client authorized to reduce/ waive the above charges. ECIB Report Other Requests Rs. 75 per ECIB Report Minimum processing/ handling charges of Rs. 5,000/- against the Miscellaneous requests received from the clients. However, Head of CIBG or Competent Authority is authorized to reduce/ waive the above charges. TRADE SERVICES IMPORTS (LC / Advance Payment / Contract / Collection / Open Account) To be paid flat / lump sum in advance LC opening commission (Local as well as FCY) (a) 0.50% for first quarter or part thereof; 0.25% for each subsequent quarter or part thereof; Min. Rs. 2,500/- Note: The charges may vary as per arrangement with the customer. LC amendments commission (Local as well as FCY) Commission on Retirement of Imports Bills Including LC (Local as well as FCY) LC Cancellation (Local as well as FCY) Imports on consignment basis (Local as well as FCY) Rs.1,000/- per amendment for amendment other than increase in amount or extension in period of shipment, if amendment involves increase in amount or extension in period of shipment then charges as per (a) as stated above would apply. 0.10% on Rupee value Min. Rs. 1,500/- Rs. 1,500/- Flat plus actual communication charges a) Contract Registration Commission Rs. 2,000/- (flat) b) Contract Amendment Commission - Rs. 1,000/- per amendment c) Document received against contract - Rs. 1000/- per document d) Retirement Commission @ 0.10% on Rupee value Min. Rs. 1,500/- 16
TRADE SERVICES IMPORTS (LC / Advance Payment / Contract / Collection / Open Account) To be paid flat / lump sum in advance Import document handling against FCY demand draft / TT without LC / Contract Credit report Usance bills drawns under import Bill (Local as well as FCY) Note: The charges may vary as per arrangement with the customer. Import bills returned unpaid under collection / contract Rs. 300/- (Flat) (Local as well as FCY) Discrepancy Fee US$ 175/- or equivalent plus Telex/SWIFT Issuance of certificate for booking of foreign exchange under LC at importers request to another bank 0.10% Min. Rs. 2,000/- Actual cost plus Rs. 1,000/- handling charges In the case of Usance bills the bank may also charge commission upto the rate of 0.20% per month for the period beyond the validity of the letter of credit. If the usance is covered by a letter of credit period for which commission as per above has already been recovered no extra commission upto the rate of 0.20% will be charged. Upto L/C amount of Rs. 1 Million Rs.800/- (Flat) per application Over L/C amount of Rs. 1 Million Rs.1,000/- (Flat) per application Note: The charges may vary as per arrangement with the customer. TRADE SERVICES LC advising / amendment (Local as well as FCY) Export LC transfer / reimbursement (Local as well as FCY) Restricted letter of credit (Local as well as FCY) Documentary export collection (with/without letter of credit.) Documents returned unpaid under inland letters of credit NOC issued / Docs transferred EDS EXPORT (LC / Collection / Advance Payment) To be paid flat / lump sum in advance a) Advising - Rs. 2,000/- b) Amendments - Rs. 1,000/- a) Transfer of export LC - Rs. 1,500/- per transfer plus applicable communication charges. a) Reimbursement payment to other banks from non-resident rupee account - min. Rs. 500/- If documents are sent to other local bank for negotiation under restricted letter of credit - Rs. 750/- a) Documentary collection Rs. 1,000/- per collection b) Handling of duty drawback claims 0.25% min Rs.200/- c) 0.13% Exchange Commission for export proceeds. Rs. 500/- Rs. 1,000/- Rs. 80/- per case or as per existing regulations 17
TRADE SERVICES EXPORT (LC / Collection / Advance Payment) To be paid flat / lump sum in advance Handling of subsidy applications 0.25% min Rs. 500/- per application Credit report charges Actual cost plus Rs. 1,000/- handling charges Handling of R&D cases Rs. 500/- per case L/C Confirmation 0.25% per quarter; (Min. Rs. 300/-) rvice charges for issuance of EPRC against advance Rs.500/- (Flat) Payment Transfer of export bills lodged Rs.1,000/- + Communication charges at actual under collection to other banks Handling of export documents against which advance Rs.300/- (Flat) per case + payment is received postal charges for submission to SBP Assignment of proceeds Rs.500/- (Flat) for single assignment under L/C INLAND BILLS (Export) Documentary bills (with or without LC s) within Pakistan a) Sight bill (negotiation) commission 0.30% flat, min. Rs. 500/- for each bill. b) Usance bill (negotiation) commission 0.30% flat, min. Rs. 500/- for each bill. c) Documentary collection (inland) commission 0.30% Collection min. Rs. 1,500/- to be recovered upon realization of proceeds Note: The charges may vary as per arrangements with the customer. GUARANTEES Back to back - Guarantee issuance Legal Fees Service charges for claims by beneficiary Endorsement of Airway bill & shipping guarantees-guarantees to issue to shipping companies in lieu of bill of lading GUARANTEES* a) Guarantee issuance 0.50% per quarter or part thereof Min. 2,500/- p.a., or part thereof b) Rs. 1,500/- per Amendment other than increase in amount or amendment extension in period 0.45% per qtr. or part thereof min USD 250 p.a. or part thereof inclusive of correspondent charges or as per arrangement with correspondent bank To be recovered on actual Rs. 1,000/- flat plus actual expenses incurred by DIBP. Rs. 2,000/- flat * All charges stated above are to be agreed flat/lump sum in advance. 18
CORPORATE BANKING Following charges will be recovered in addition to profit / return on investment: 1. Facility Structuring / Advising Fee 2. Facility Documentation Fee (for funded & non-funded facilities) 3. Investment Agency Fee 4. Security Trustee Fee As per agreed terms As per agreed terms PKR 1,000,000/- or 0.05% of the Facility Amount (whichever is higher) payable at the time of first disbursement and then annually on each anniversay thereof for the tenor of the Facility. PKR 500,000/- or 0.05% of the Facility Amount (whichever is higher) payable at the time of first disbursement and then annually on each anniversary thereof for the tenor of the Facility. CASH MANAGEMENT CORPORATE INTERNET BANKING One-Time Implementation Integration Training As per agreed terms As per agreed terms Rs. 2,500/- per session OTHER CASH MANAGEMENT SERVICES Collections Solution Disbursement / single / Bulk Payments Customized MIS / Reporting Other Cash Management solutions As per agreed terms As per agreed terms As per agreed terms As per agreed terms Note: The charges may vary as per arrangement with the customer. 19
NOTES a) All Fee/ of LC and LG shall be a lump-sum amount which shall be charged upfront orin installments, over the period of transactions based upon aforesaid benchmarks. b) Collection agent s charges, if the collecting bank is another bank, will be extra. c) Telex / SWIFT/ Phone Call charges (Communication) will be extra, if status of the instrument is required by such communication. d) All are subject to Govt. levies, taxes and with-holdings. e) Courier will be recovered where applicable. f) for new products launched during the year will be communicated to SBP and customers accordingly. g) Waivers can be given on a case to case basis upon approval of ; Head of Distribution for Retail branches Head of Trade for trade branches h) All employees of Dubai Islamic Bank Pakistan Limited (DIBPL) are exempted from all General Banking charges, however in case there is a direct cost of transaction to the bank the same will be recovered. i) SMS Banking & ATM VISA Debit Card Fee (Silver) are not applicable to Branchless Banking Accounts. 20
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Over 200 Branches and 43 Branches Booths across 62 cities 1. Abbotabad 2. Attock 3. Bahawalpur 4. Burewala 5. Chakwal 6. Chaman 7. Dadyal 8. Dalbandin 9. Dera Ghazi Khan 10. Dinga 11. Faisalabad 12. Gujranwala 13. Gujrat 14. Gwadar 15. Haripur 16. Hyderabad 17. Heyer Pind 18. Islamabad 19. Jalalpur Jattan 20. Jhang 21. Jehlum 22. Kallar Syedan 23. Karachi 24. Kasur 25. Kohat 26. Kotla Arab Ali Khan 27. Lahore 28. Lalamusa 29. Larkana 30. Mandi Bahauddin 31. Mingora Swat 32. Mirpur 33. Mirpurkhas 34. Moza Mulapur 35. Multan 36. Muridke 37. Muzaffarabad 38. Nawabshah 39. Okara 40. Peshawar 41. Quetta 42. RahimYar Khan 43. Rawalpindi 44. Sahiwal 45. Sargodha 46. Sheikhupura 47. Shorkot 48. Sialkot 49. Sukkur 50. Tando Allahyar 51. Toba Tek Singh 52. Muzaffargarh 53. Jamshoro 54. Sochani 55. Pasrur 56. Raiwind 57. Talli Mandi 58. Pattoki 59. Bani Gala 60. Ratta 61. Surakhi 62. Maqbool Butt www.dibpak.com The better way to bank Call Now: 111-786-DIB (342)