Schedule of Bank Charges

January to June 2017

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 Schedule of Charges (January to June 2017)
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
REMITTANCES.............................................................................................................7
INTER-CITY TRANSACTIONS, CLEARING & COLLECTION..........7
INTER-BRANCH ONLINE TRANSACTIONS.............................................7
BANKING TRANSACTIONS.................................................................................7
STANDING INSTRUCTIONS................................................................................8
ATM/DEBIT CARD......................................................................................................8
REPORTS & CERTIFICATES................................................................................8
MISCELLANEOUS.......................................................................................................8
SERVICE FEE.................................................................................................................9
LOCKER FACILITY......................................................................................................9

Consumer Finance
HOME FINANCE.......................................................................................................10
BUSINESS FINANCE..............................................................................................11
AUTO FINANCE........................................................................................................12
FLEET FINANCING.................................................................................................12
CONSUMER DURABLE FINANCE................................................................13
AUTO LEASING.........................................................................................................13

Trade Services
IMPORTS.......................................................................................................................14
EXPORTS......................................................................................................................15
INLAND BILLS............................................................................................................15
GUARANTEES...........................................................................................................16
CORPORATE BANKING......................................................................................16
CASH MANAGEMENT..........................................................................................16
NOTES.............................................................................................................................17

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 Schedule of Charges (January to June 2017)
GENERAL BANKING

Items Charges

REMITTANCES (FCY)
Inward
If own Bank (Home Remittances under PRI) Free
If another Bank (Other than Home Remittance) Free
Remittances where TT required $3 plus Local SWIFT Charges
(Other than Home Remittance)
Home Remittances PRI where beneficiary has an Free
account with us
Outward
Issuance of Foreign Currency Demand Draft (FDD) 0.1% Min $15, Max $25
Foreign Remittance Telex/SWIFT Charges -
$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 Charges for issuance of
EPRC against Advance Payment Rs. 300/-

Cash holding charges - if remittance or conversion 0.3% (of cash deposit)

is done against FCY cash deposit within 15 days
REMITTANCE (LCY)
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 Charges - Domestic Rs. 500/-
Cancellation of DD Rs. 250/-
Pay Order Issuance from Saving Accounts only 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. 200/-
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.
OTHER TELEX/SWIFT CHARGES
Letter of Credit -Full Telex/SWIFT Rs. 1,200/- or $20
Letter of Credit - Short Telex / SWIFT
Rs. 600/- or $15
Amendment by Telex / SWIFT/

2
 Schedule of Charges (January to June 2017)
GENERAL BANKING
Items Charges

INTER-CITY TRANSACTIONS, CLEARING & COLLECTION

USD clearing through NIFT $5 or equivalent
Same day clearing of high value instruments via
Rs. 200/-
NIFT
Foreign bills sent for collection (FOBC) 0.1%, Min $ 5, Max $ 25.
Intercity Clearing (where NIFT is
Outward Bills for Collection Charges available) Rs. 100/-
OBC Clearing (where NIFT is
not available) Rs. 300/-
Inward Bills for Collection Charges
Rs. 400/- or $ 5 per collection
(for correspondent Bank collection)
INTER-BRANCH ONLINE TRANSACTIONS
Inter-city account to account transfer Free
Cash/cheque deposit (within-city) Free
Cash/cheque deposit (inter-city) Free
Cash withdrawal (within-city) Free
Cash withdrawal (inter-city) Free
GENERAL BANKING
Issue of SBP/NBP cheque Rs. 500/-
Cheque Book issuance (same charges for all Saving Accounts only
eventualities including loss of Cheque Book) Rs. 8/- per leaf
Cheque Book and Pay Order issuance for all
PKR Current Accounts Free

Cheque Book Issuance - FCY account $2 AED 7

(Per 25 leaves) Euro 2 GBP 1
Customized / Specialized Cheque Book Rs. 20/- per leaf
Stop payment of cheque / Lost cheque book Rs. 250/- per instruction
Retrieval of paid cheque - Within 1 Year Rs. 250/-
Retrieval of paid cheque - After 1 Year Rs. 500/-
Cheque returned unpaid - Inward clearing Rs.500/-
Account Closure** Rs. 200/- or available balance
whichever is lower
Hold mail service Rs. 1,000/- per year
Service Charges for Reminder Letters Rs. 100/-
Statement of Account on ad hoc basis Rs. 35/- per statement
(inclusive of FED)
** Does not apply on regular savings account
All charges are exclusive of FED, FED applicable as per law

3
 Schedule of Charges (January to June 2017)
GENERAL BANKING
Items Charges
ASAAN ACCOUNT
First issuance (25 leaves) free.
Asaan - Cheque Book (Saving Accounts only) Subsequent, Rs. 3 per leaf
Asaan - Pay Orders Free
Asaan - Silver Debit Card Rs. 300/- from 1st Issuance
BUSINESS ACCOUNT FREE SERVICES
Cheque Book FREE Silver VISA Debit Card FREE
(LCY) Payorder/Demand Drafts FREE Statement of Account FREE
Intercity Same Day Cleaning FREE Certificates & Reports FREE
SMS Alerts Service FREE Online Banking FREE
*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 Charges per transaction (LCY) Rs. 100/-
Standing Instruction Charges per transaction (FCY) US$ 5 per transaction
Amendment Rs. 100/-
LOCKER FACILITY
One time security deposit Rs. 2,000/-
Small Rs. 2,500/- per year
Medium Rs. 3,500/- per year
Large Rs. 5,000/- per year
Lockers-Late Payment Charge* Rs. 100/- per month
Breakage Charges Upto Rs. 5,000/- per locker
* To be deposited in the Charity Fund.
CASH PICK UP & DEPOSIT
Up to Rs. 3,000/- 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: Charges also to apply on customers availing cash manager account (Current/Savings)
but not maintaining minimum requirements
ATM / DEBIT CARD
Silver/Junior* Gold Platinum Signature
Primary Card Annual Fee Rs. 750/-300/- Rs. 850/- Rs. 1,500/- Rs. 3,500/-
New Card Product Packages Existing ATM/ Non ATM/
Debit Card Holder Debit Card Holder
Basic Rs. 250/- Rs. 500/-
Pre Pay Debit Enhance Rs. 350/- Rs. 750/-
Premium Rs. 500/- Rs. 1,250/-
On DIBPL ATMs
ATM Balance inquiry Free ATM Mini-statement Free
ATM cash withdrawal Free Statement of Account Request through ATM Free
On Local Shared Network ATMs
ATM Balance Inquiry 1 Link: Free, MNET: Rs. 5/-
ATM cash withdrawal Rs. 15/-
* All charges are exclusive of FED, Supplementary cards are not offered by the Bank

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 Schedule of Charges (January to June 2017)
GENERAL BANKING
Items Charges

International and POS Transactions

Cash Withdrawal 4.0% per transaction
Balance Inquiry PKR 200/- per enquiry
Document/Transaction Retrieval Charges PKR 850/- per document/transaction
POS & Internet Purchase 4.0% per transaction
ATM/Debit Card Miscellaneous
Replacement of lost or damaged card Rs. 550/-
PIN replacement Free
* First Cheque Book for Junior Account is free (Refer to GB Section for subsequent cheque book)
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 Rs. 200/- per certificate
WHT Certificates Free
Zakat Certificates Rs. 200/- per certificate
Other Certificates Rs. 200/- per certificate
FOREIGN EXCHANGE PERMITS
Initial Remittance Rs. 1,200/- per permit
Subsequent Remittances Rs. 500/- per permit
COURIER & OTHER MISCELLANEOUS
Telegram Charges At actual
Courier Inland Rs. 100/-
Courier Foreign Rs. 1,000/-
Telephone Charges Rs. 200/-
Fax Charges Rs. 200/-
Stamp paper At actual
Brinks charges where applicable At actual
Return Mail charges Rs. 50/-
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 Charges Free
Statement of Account Free
Account Summary Free

5
 Schedule of Charges (January to June 2017)
GENERAL BANKING
Items Charges Items Charges
INTERNET BANKING / MOBILE BANKING
Mini-statement Free Funds Transfer (Intra-Bank) Free

SWIFT Remittance Request $20 Utility Bill Payment Free

Cheque Book Issuance Request Free Request for Issuance of PO / DD Free

Book Fixed Deposits Free Mobile Top-up-as and when Free

the service is offered
GENERAL BANKING
Items Charges
INTER BANK FUND TRANSFER FACILITY (IBFT)
Silver/ Gold/
Internet Banking/ Mobile App PKR 85
Platinum/ Signature

ATM Silver/ Gold Card PKR 85

Platinum/ Signatue Card PKR 0

All Charges are inclusive of FED & Switch Charges, 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 Rs. 100/- each

Transaction Charges (Sale/Purchase) Rs. 500/- per transaction

Security Movement Rs. 500/- per transaction

RTGS
Transaction Per Transaction DIBPL
Days
Time Windows Charges (PKR) SBP Charges
9:00AM to 200/- 20/-
3rd Party Fund Transfers
2:00 PM
Through PRISM System Monday
(RTGS) 2:01PM to 300/- 30/-
to 3:00 PM
Friday
3:01 PM to 500/- 50/-
4:30 PM
DIBPL - DOMESTIC MONEY TRANSFER
Transaction Slabs Charges** Transaction Slabs Charges**
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
 Schedule of Charges (January to June 2017)
WAJAHA PRIORITY BANKING AND NRP ACCOUNTS
Minimum Balance Requirement
Gold Rs. 3mn Checking Account
NRP Rs. 500,000/- Checking Account
Platinum* Rs. 6mn Overall relationship
Signature Rs. 10mn Overall relationship
Signature Plus Rs. 20mn Overall relationship
Items Checking Account NRP
REMITTANCES (FCY)
Inward
If own Bank Free Same as priority banking
If other Bank Free Same as priority banking
Home Remittances where
Free Same as priority banking
beneficiary has account with us
Outward
Issuance of foreign currency
Free N/A
duplicate demand draft (FDD)
Cancellation of FDD Free N/A
Foreign Remittance Telex/SWIFT
$20
Charges -International
REMITTANCES (LCY)
DDs, MTs and TTs (within network) Free Same as priority banking
DDs, MTs and TTs against Cash
Free Same as priority banking
for Account Holders
Telex/SWIFT Charges - Domestic Free Same as priority banking
Pay Order Issuance from account Free Same as priority banking
Stop Payment/Caution Marking
Free Same as priority banking
of DD, PO
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
OBC Charge /
Intercity Collection Charges
IBC Charge
(for correspondent bank collections)
INTER-BRANCH ONLINE TRANSACTIONS
Inter-city account to account transfer
Online cash deposit
Online cash withdrawal
* WAJAHA waiver grid will apply
Rs.250/- Same as priority banking
Rs.250/- Same as priority banking
Intercity Clearing (where NIFT is available) Rs. 100/-
OBC Clearing (where NIFT is not available) Rs. 300/-
Rs. 400/- or $5 per collection
Free Same as priority banking
Free Same as priority banking
Free Same as priority banking

7
 Schedule of Charges (January to June 2017)
WAJAHA PRIORITY BANKING AND NRP ACCOUNTS
Items Checking Account NRP

BANKING TRANSACTIONS
Cheque Book issuance (charges the
same for all eventualities including Free Same as priority banking
loss of Cheque Book)
Starter Cheque Book Free Same as priority banking
Stop payment of cheque Free Same as priority banking
Charges of cheque returned unpaid Free Same as priority banking
Account Reactivation Charges Free Same as priority banking
Statement of Account on ad hoc basis Free Same as priority banking
Change of address / Telephone number Free Same as priority banking
STANDING INSTRUCTIONS
Standing Instruction Charges per Same as priority banking
Free
transaction
WAJAHA PRIORITY BANKING ATM/DEBIT CARD
Annual Fee
Primary Card Free Same as priority banking
Supplementary Free Same as priority banking
On DIBPL ATMs
ATM Balance inquiry Free Same as priority banking
ATM Mini-statement Free Same as priority banking
ATM cash withdrawal Free Same as priority banking

Statement of Account Request Same as priority banking

Free
through ATM
International and POS Transactions
Balance inquiry - International ATM Rs. 200 Rs. 200 / Transaction
ATM/Debit Card Miscellaneous
Replacement of lost or damaged card Free Same as priority banking
PIN replacement Free Same as priority banking
REPORTS & CERTIFICATES
Confirmation of Balance to Auditors Free Same as priority banking
Profit & Tax Certificate Free Same as priority banking
Certificate Free Same as priority banking
Balance Confirmation Certificate Free Same as priority banking
WHT Certificates Free Same as priority banking
Zakat Certificates Free Same as priority banking

8
 Schedule of Charges (January to June 2017)
WAJAHA PRIORITY BANKING AND NRP ACCOUNTS
Items Checking Account NRP

MISCELLANEOUS
Courier Inland Free Same as priority banking
Courier Foreign Free Same as priority banking
Return Mail charges Free Same as priority banking

INTER BANK FUND TRANSFER FACILITY (IBFT)

IBFT Fee (IB / Mobile App) Please refer to IBFT Section of
IBFT Fee (ATM) General Banking

LOCKER FACILITY
One time -Security Deposit None
Small Rs. 2,500/- per year
Medium Rs. 3,500/- per year
Large Rs. 5,000/- per year
Lockers-Late Payment Charge* Rs. 100/- per month
Breakage Charges Upto Rs. 5,000/- per locker

Account Overall Priority Int’ Airport CIP Local Dubai SoC

Categories Relationship Pass lounges Lounges Lounges Waivers
Signature Plus 20 M & Above ✓ ✓ ✓ ✓ ✓
Signature 10 M & Above ✓ ✓ ✓ ✓
Platinum 6 M & Above ✓ ✓ ✓
Gold 3 M & Above ✓ ✓
Account Overall Priority Existing POS Visa
Banking Withdrawal
Categories Relationship Service Fee Limit Limit Cards
Signature Plus 20 M & Above 1,200 150,000 350,000 Visa Signature
Signature 10 M & Above 1,200 150,000 350,000 Visa Signature
Platinum 6 M & Above 1,000 100,000 200,000 Visa Platinum
Gold 3 M & Above 900 100,000 200,000 Visa Gold
* Late Payment Charges 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.

In case non maintenance of priority banking required balance, local and international airport lounge
charges will be recovered on actual from the customer accounts.

9
 Schedule of Charges (January to June 2017)
CONSUMER FINANCE
Items Charges

HOME FINANCE
Application Processing Charges
Overseas Pakistani - Application Processing Charges Upto Rs. 50,000/-
Property Appraisal Charges
Legal Charges
Income Estimation Charges
Title Documents Verification Charges
Property Takaful Charges
Cheque Return Charges
Late Payment Charges*
In case of Early Settlement
In case of Partial Settlement
Upto Rs. 25,000/-
At actual / Upto Rs. 5,000/-
At actual / Upto Rs. 10,000/-
At actual / Upto Rs. 10,000/-
At actual / Upto Rs. 10,000/-
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

Partial Settlement Processing Charges Upto Rs. 5,000/-

Finance Enhancement Processing Charges Upto Rs. 10,200/-
Asset Repossession Charges At Actual
Duplicate Payment Schedule Issuance Charges Rs. 1,000/-
Document Retrieval Charges Rs. 1,000/-
Tax Certificate Issuance Charges Rs. 1,000/-
Request for change In Financing Tenor Upto Rs. 10,000/-
Product Switching Charges to Relevant KIBOR** Upto Rs. 40,000/-

Cash / Cheque Pick-up charges Cash Pick-up: Rs. 2,000/- and

Cheque Pick-up: Rs. 1,000/-

* Late Payment Charges 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

10
 Schedule of Charges (January to June 2017)
CONSUMER FINANCE
Items Charges

BUSINESS FINANCE
Application Processing Charges Upto Rs. 20,000/-
Property Appraisal Charges At actual / Upto Rs. 5,000/-
Legal Charges At actual / Upto Rs. 10,000/-
Income Estimation Charges At actual / Upto Rs. 10,000/-
Title Documents Verification Charges At actual / Upto Rs. 10,000/-
Property Takaful Charges As per the rate quoted by the
Takaful Company
Cheque Return Charges Upto Rs. 1,000/-

Late Payment Charges* Upto 20% of the monthly rent overdue

In case of Early Settlement
In case of Partial Settlement
Partial Settlement Processing Charges
Finance Enhancement Processing Charges
Asset Repossession Charges
Duplicate Payment Schedule Issuance Charge
Document Retrieval Charges
Tax Certificate Issuance Charges
Request for change in Financing Tenor
Product Switching Charges to Relevant KIBOR**
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/- &

Cash / Cheque Pick-up Charges
Cheque Pick-up: Rs. 1,000/-
* Late Payment Charges 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

11
 Schedule of Charges (January to June 2017)
CONSUMER FINANCE
Items Charges

AUTO FINANCE
Processing Charges* Upto 10% of the value of financed vehicle
Minimum Financing Value of Vehicle Rs. 150,000/-
Vehicle Valuation Charges At Actual / Upto Rs. 10,000/-
Upfront Tracker Management Fee Upto Rs. 20,000/- (inclusive of FED)
Monthly Tracker Management Fee Upto Rs. 2,000/- (inclusive of FED)
Cheque Return Charges Upto Rs. 1,000/-
Cheque / Cash Pick-up Charges Upto Rs. 1,000/-
Late Payment Charge** Upto 20% of the monthly rent overdue
Insurance/Takaful Charges As per the rate quoted by
the Insurance/Takaful Company
Purchase price to be calculated as per
following formula:
Outstanding Fixed Rental + accrued
In case of Early settlement and 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 Charges At Actual / Upto Rs. 40,600/-
Registration Service Fee*** At Actual / Upto Rs. 20,000/-
Tax Certificate Issuance Charges Rs. 1,000/-
Income Estimation Charges At Actual / Upto Rs. 10,000/-
Documents Retrieval Charges Rs. 1,000/-
Monthly Tracker fee after maturity/ Rs. 2,000/- per month after
settlement of the finance finance maturity date
Re-Issuance of NOC Rs. 1,000/-
Changes in PO after approval Rs. 2,000/-
* In case of cancellation after case approval, all charges will be refunded except processing charges at actual.
** Late Payment Charges 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.

FLEET FINANCE
Processing Charges* Upto 10% of the Value of the
financed vehicle
Vehicle Valuation Charges Upto Rs. 15,000/-
Late Payment Charges** Upto Rs. 20% of the monthly rent
overdue
Purchase price to be calculated as per
following formula:
Outstanding Fixed Rental + Accrued
Early Settlement Charges and unpaid variable rental + Accrued
and unpaid Supplimentary rental (if
any) + a sum equal to a maximum of
20% of the Outstanding Fixed Rental
Registration Service Fee*** Upto Rs. 20,000/-
Insurance/Takaful Charges 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 Charges 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.

12
 Schedule of Charges (January to June 2017)
CONSUMER FINANCE
Items Charges
CONSUMER DURABLE FINANCE
Processing Charges Upto Rs. 4,000/-
Tax Certificate Issuance Charges Rs. 1,000/-
Income Estimation Charges Upto Rs. 5,000/-
Cheque Return Charges Upto Rs. 1,000/-
Cheque / Cash Pick-up Charges 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 Charges Rs. 1,000/-
Documents Retrieval Charges Rs. 1,000/-
CONSUMER PERSONAL FINANCE
Processing Charges Upto Rs. 5,000/- + FED
* Late Payment Charges will be transferred to the Charity Fund, as per the undertaking to pay charity by the customer.

CONSUMER FINANCE
Items Charges

AUTO LEASING
Processing Charges* Upto 10% of the value of financed vehicle
Application Login Charges Upto Rs. 1,000/-
Vehicle Valuation Charges 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/ Upto Rs. 2,000/- per month after
settlement of the finance finance maturity date
Cheque Return Charges Upto Rs. 1,000/-

Cheque / Cash Pick-up Charges Cash pick-up Rs 2,000/-

Cheque pick up Rs 1,000/-
Late Payment Charge** Upto 20% of the monthly rent
overdue
Insurance/Takaful Charges 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 Charges At Actual / Upto Rs. 25,000/-
Registration Service Fee+*** Upto Rs. 20,000/-
Tax Certificate Issuance Charges Rs. 1,000/-
Document Retrieval Charges Rs. 1,000/-
Income Estimation Charges 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 Charges 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.

13
 Schedule of Charges (January to June 2017)
CORPORATE & INVESTMENT BANKING
Items Charges

Fresh/ Renewal/ Processing/ Handling fee to be charged as agreed with

Enhancement/ Excess over the client. Head of CIBG or Competent Authority is
Limit authorized to approve amount of charges/ Waiver of the
(funded and non-funded) processing/ Handling fee on the basis of Corporate
relationship. The agreed/ negotiated charges to be
mentioned in the offer letter.
Investment Banking Advisory/ Arrangement fee as negotiated with the client
Transactions 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.
Other Requests 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
Items Charges
IMPORTS (LC / Advance Payment / Contract / Collection / Open Account)
To be paid flat / lump sum in advance
LC opening commission (a) 0.50% for first quarter or part thereof; 0.25% for each
(Local as well as FCY) subsequent quarter or part thereof; Min.
Rs. 2,500/-
Note: The charges may vary as per arrangement with the customer.
LC amendments commission Rs.1,000/- per amendment for amendment other than
(Local as well as FCY) 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.

Commission on Retirement
of Imports Bills Including LC 0.10% on Rupee value Min. Rs. 1,500/-
(Local as well as FCY)

LC Cancellation Rs. 1,500/- Flat plus actual communication charges

(Local as well as FCY)
Imports on consignment basis a) Contract Registration Commission Rs. 2,000/- (flat)
(Local as well as FCY)
b) Contract Amendment Commission - Rs. 1,000/- per
amendment
(Local as well as FCY)
c) Document received against contract - Rs. 1000/-
per document
d) Retirement Commission @ 0.10% on Rupee value Min.
Rs. 1,500/-

14
 Schedule of Charges (January to June 2017)
TRADE SERVICES
Items Charges
IMPORTS (LC / Advance Payment / Contract / Collection / Open Account)
To be paid flat / lump sum in advance
Import document handling
against FCY demand draft / TT 0.10% Min. Rs. 2,000/-
without LC / Contract
Credit report Actual cost plus Rs. 1,000/- handling charges

Usance bills drawns under
import Bill
(Local as well as FCY)
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.

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 Charges
Issuance of certificate for Upto L/C amount of Rs. 1 Million
booking of foreign exchange Rs.800/- (Flat) per application
under LC at importers request Over L/C amount of Rs. 1 Million
to another bank Rs.1,000/- (Flat) per application

Note: The charges may vary as per arrangement with the customer.

TRADE SERVICES
Items Charges

EXPORT (LC / Collection / Advance Payment)

To be paid flat / lump sum in advance
LC advising / amendment a) Advising - Rs. 2,000/-
(Local as well as FCY) b) Amendments - Rs. 1,000/-
Export LC transfer / a) Transfer of export LC - Rs. 1,500/- per transfer plus
reimbursement applicable communication charges.
(Local as well as FCY)
a) Reimbursement payment to other banks from
non-resident rupee account - min. Rs. 500/-
Restricted letter of credit If documents are sent to other local bank for negotiation
(Local as well as FCY) under restricted letter of credit - Rs. 750/-
Documentary export collection a) Documentary collection Rs. 1,000/- per collection
(with/without letter of credit.) b) Handling of duty drawback claims 0.25% min Rs.200/-
c) 0.13% Exchange Commission for export proceeds.
Documents returned unpaid
Rs. 500/-
under inland letters of credit
NOC issued / Docs transferred Rs. 1,000/-
EDS Rs. 80/- per case or as per existing regulations

15
 Schedule of Charges (January to June 2017)
TRADE SERVICES
Items Charges

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 Charges 0.25% per quarter; (Min. Rs. 300/-)
Service 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 a) Sight bill (negotiation) commission 0.30% flat, min.
(with or without LC’s) Rs. 500/- for each bill.
within Pakistan
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*
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
Back to back - Guarantee 0.45% per qtr. or part thereof min USD 250 p.a. or part
issuance thereof inclusive of correspondent charges or as per
arrangement with correspondent bank

Legal Fees To be recovered on actual

Service charges for claims by Rs. 1,000/- flat plus actual expenses incurred by DIBP.
beneficiary
Endorsement of Airway bill &
shipping guarantees-guarantees
Rs. 2,000/- flat
to issue to shipping companies
in lieu of bill of lading

* All charges stated above are to be agreed flat/lump sum in advance.

16
 Schedule of Charges (January to June 2017)
CORPORATE BANKING
Following charges will be recovered in addition to profit / return on investment:
1. Facility Structuring / Advising Fee As per agreed terms
2. Facility Documentation Fee As per agreed terms
(for funded & non-funded facilities)
3. Investment Agency Fee 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 anniversary thereof for the
tenor of the Facility.
4. Security Trustee Fee 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
Items Charges
One-Time Charges
Implementation Charges Rs. 15,000/-
Integration Charges Rs. 5,000/-
Training Charges Rs. 2,500/- per session
Monthly Charges
Transaction Initiation & Reporting Modules Rs. 6,000/-
Reporting Module Rs. 3,000/-
Note: The charges may vary as per arrangement with the customer.

OTHER CASH MANAGEMENT SERVICES

Collections Solution As per agreed terms
Disbursements / Bulk Payments As per agreed terms
Customized MIS / Reporting As per agreed terms
Other Cash Management solutions As per agreed terms
NOTES
a) All Fee/Charges of LC and LG shall be a lump-sum amount which shall be charged upfront or
in 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 Charges are subject to Govt. levies, taxes and with-holdings.
e) Courier Charges will be recovered where applicable.
f) Charges 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.

17
 Over 200 Branches and 43 Branches Booths
across 62 cities
1. Abbotabad 32. Mirpur
2. Attock 33. Mirpurkhas
3. Bahawalpur 34. Moza Mulapur
4. Burewala 35. Multan
5. Chakwal 36. Muridke
6. Chaman 37. Muzaffarabad
7. Dadyal 38. Nawabshah
8. Dalbandin 39. Okara
9. Dera Ghazi Khan 40. Peshawar
10. Dinga 41. Quetta
11. Faisalabad 42. RahimYar Khan
12. Gujranwala 43. Rawalpindi
13. Gujrat 44. Sahiwal
14. Gwadar 45. Sargodha
15. Haripur 46. Sheikhupura
16. Hyderabad 47. Shorkot
17. Heyer Pind 48. Sialkot
18. Islamabad 49. Sukkur
19. Jalalpur Jattan 50. Tando Allahyar
20. Jhang 51. Toba Tek Singh
21. Jehlum 52. Muzaffargarh
22. Kallar Syedan 53. Jamshoro
23. Karachi 54. Sochani
24. Kasur 55. Pasrur
25. Kohat 56. Raiwind
26. Kotla Arab Ali Khan 57. Talli Mandi
27. Lahore 58. Pattoki
28. Lalamusa 59. Bani Gala
29. Larkana 60. Ratta
30. Mandi Bahauddin 61. Surakhi
31. Mingora Swat 62. Maqbool Butt

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