CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

TRADE FINANCE
A. IMPORTS
1. Letters of Credit issuance and re validation charges including supplier credit.

1st Qtr or part thereof: Up to 0.40%

Subs. Qtr or part thereof: Up to 0.25%

Minimum charges: Rs.1,500/-

2. Non Reimbursable Letters of Credit: As in ‘1’above, plus 0.60% flat.

3. LCs opened on ACU Member Countries: As in ‘1’ above.

4. Amendments: As in ‘1’ above for enhancement in amount or extension of expiry, Rs.1000/- per amendment for all other Amendments.

Rs.1,000/- per bill/documents, plus 0.10% commission per month or part thereof from expiry of LC to maturity or retirement of
5. Acceptance under Usance /Deferred Payments LCs:
bill whichever is later.

0.10% of document’s amount; Minimum Rs. 1000/-. Plus Reimbursement Charges (Payable to Reimbursing Bank) at actual
6. Retirement Charges: (LC & Contract)
along-with swift charges NIL if LC is against 100% Cash Margin

Re. 0.41/1,000/diem if the bill is retired within 15 days from the date of negotiation.

Re. 0.51/1,000/diem if the bill is retired within 30 days from the date of negotiation.
7. Markup on Import Bills under Sight LCs:
Re. 0.57/1,000/diem if the bill is retired after 30 days from the date of negotiation.

Over Due Commission @0.25% Minimum Rs. 1,000/-, 30 days after the lodgment

8. Markup on Overdue Acceptances: Re 0.57/1,000/diem after due date.

9. Registration of Import Contract: 0.10% (Min Rs.1,000/-)
10. Amendment in Registered Import Contract: Rs.1,000/- (Flat) If enhancement in amount as per 9 above
11. Advance payment against imports: Rs.2,000/- flat (in addition to remittance charges)

12. Inward Documentary Bill for Collection (Payment) 0.10%, minimum Rs.1,000/- Flat.

13. Inward Documentary Bill for Collection (Acceptance) 0.10% (Min. Rs.1,000/-)

14. Inward Documentary Bills for Collection (Returned Unpaid) USD 100/- (or equivalent foreign currency from forwarding banks) plus swift charges.

15. Payment against import LC / Contract where documents received directly by the importer (Remittance charges): Rs. 1500/- Plus 0.20% Service Charges

16. Endorsement of Airway Bill (AWB) prior to receipt of Documents: Rs. 1,500/- per AWB

17. Issuance of Shipping Guarantee: Rs.1,500/- per Shipping Guarantee Plus 110% Cash Margin (For Sight LC)

18. Issuance of Remittance Certificate, where payment of other bank’s LCs is made through us: Rs.500/- per certificate.

19. Handling of Discrepant documents under Import LC. USD 90/- per bill.

20. L/C & Contract Cancellation Charges Rs . 1000/- Flat per cancellation Plus Correspondent Bank Charges at Actual along-with swift charges.

Page 1 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

21. Clearance of consignment under terms of limit approved or forced clearance by the bank Commission @ 0.25% on C & F value of consignment Minimum Rs. 1000/- per consignment

22. Lodgment of Documents (PAD) under Bank Inland Letter of Credit: @0.20% Minimum, Rs.500/- plus mark up @60 paisa per Rs1000 per day from the date of lodgment till retirement

23. Handling Charges in lieu of Exchange where importer buy Foreign exchange from any other Bank for LC opened/ contract
0.30% with Minimum of Rs.1000/-
registered with

B. EXPORTS
1.Letters of Credit:

a) Advising: Rs 1,500/- per LC.

b) Amendment Advising: Rs 1000/- per amendment.

c) Adding Confirmation on LCs: Case to case basis depending upon Country & Bank risk, minimum USD 150/- per quarter, payable by Exporter or as applicable.

d) Transfer of LC: Rs 1500/- plus Swift Charges

e) Negotiation of Rupee bills under L/C 0.25%, Minimum Rs.500/-

2. Reimbursement paid to other banks from Vostro Accounts Rs.1,000/- per transaction.

3. Processing of documents under LCs restricted on other banks: Rs. 1000/- per document

4. Handling of Duty Drawback Claims: 0.25% Minimum Rs.1000/- per claim.

5. Documentary Collection: Rs. 1000/ per collection.

6. Service Charges on Export Documents: 0.13% on realization. (Minimum 2000)

7. Export Development Surcharge Handling Charges: Rs.80/- per bill realized.

8. Unrealized Documents Negotiated under reserve: Re 0.57/1,000/diem from date of negotiation till recovery from customer.

9. Advance Payment Processing 0.13%, minimum Rs. 1000/-

10. Research and Development Claim Processing Charges Rs. 1000/- per Processing

11. Issuance of NOC to other Bank Rs. 1000/- flat per NOC

12. E.E/E.F. Verification Processing Fees: Rs. 1,500/- per case flat

13. Freight Subsidy Handling Charges 0.35% per claim with a minimum of Rs 1000/-

C. LOCAL TRADE
1. Letter of credit Issuance Charges
1st Qtr or part there of: 0.40%
Subs. Qtr or part thereof: 0.25%
Minimum Charges: Rs.1500/-

Page 2 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

2. Amendments:- As in ‘1’ above for enhancement in amount or extension of expiry, Rs.1000/- per amendment for all other amendments.

Rs.1,000/- per bill/documents, plus 0.125 % Commission per month or part thereof from expiry of LC to maturity or retirement
3. Acceptances Commission:
of bill whichever is later.

Re 0.41/1,000/diem if the bill is retired within 10 days from the date of negotiation.

4. Markup on Unpaid Sight Bills & PAD (Payment Against Documents): Re 0.45/1,000/diem if the bill is retired within 15 days from the date of negotiation.

Re 0.57/1,000/diem if the bill is retired after 15 days from the date of negotiation.

5. Mark up on over due Acceptance: Re 0.57/1,000/diem after due date.

0.50% of bill Amount; Minimum Rs.1,000/- per document. Markup on discounting of Sight/Usance bills as per applicable rate
6. Negotiation/Retirement Charges:
on advances/arrangement with the client.

7. Documentary Collections Inward: 0.50% per document, Min. Rs.1000/-

8. Documentary Collections Outward: 0.50% per document, Min. Rs.1000/-

CASH SERVICES

A. FOREIGN REMITTANCES
1. Outward Telegraphic Transfer & Demand Drafts USD 10/- or equivalent
2. Cancellation:
a) Demand Drafts (if Original is returned upon cancellation): USD 5/- or equivalent.
Demand Draft (if stolen or lost)/Issuance of Duplicate Draft: USD 10/- or equivalent, upon confirmation of non encashment and completion of formalities.

b) Telegraphic Transfer: USD 10/- or equivalent upon receipt of confirmation of non- payment.

Rs.500/- for remittances over 3 months old,

3. Issuance of Encashment Certificates:
Rs.1,000/- for remittances over 2 years old

a) 0.5% if funds remitted locally or abroad within 90 days from date of deposit in Foreign Currency Account. (Charges are not
applicable on FC cash withdrawals)
4. Remittance against Foreign Currency notes deposited in Foreign Currency Accounts
b) Also applicable in case of surrender of cash USD notes by exporters against export to Afghanistan.

B. FOREIGN COLLECTION

1. Outward: USD 12.5/- or equivalent per collection.

2. Inward USD 12.5/- or equivalent plus DD/TT Charges as in ‘A1’ above per instrument

3. Outward Bills Returned Unpaid: Rs.750/-

4. Issuance of Proceeds Realization Certificates: Rs.500/- per Certificate for remittances over 3 months old, Rs.1,000/- per certificate for remittances over 2 years old.

C. PURCAHSE OF FOREIGN CURRENCY INSTRUMENTS

(As per limits prescribed by Prudential Regulations)

1. Drafts drawn on first class banks: 1.0% minimum USD 10/- plus markup at agreed rate.

Page 3 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

2. Encashment of TCs: 1.0% Minimum USD 5/-

1.5%; Minimum USD 10/- plus markup at agreed rate. Full value of the instrument will be recovered if the instrument is
3. Clean Cheques Purchased:
returned unpaid.

D. FOREIGN EXCHANGE PERMITS & “M” FORM APPROVALS (ALL KINDS)

1. Fresh cases: Rs.2,000/-
2. Per Subsequent Renewal: Rs.1,500/-
3. “M” Form Processing Rs.250/-
E. LOCAL REMITTANCES
1. Outward Telegraphic Transfer & Demand Drafts
a) Up to Rs.10,000: 0.25%; Min. Rs.100/-
b) Up to Rs.100,000: 0.20%; Min. Rs.100/-
c) Up to Rs.1,000,000: 0.10%; Min. Rs.200/-
d) Up to Rs.2,000,000: 0.075%; Min. Rs.500/-

e) Over Rs.2,000,000: 0.060%; Min. Rs.500/-

2. Issuance of Pay Orders Free of Charge.

3. Issuance of CDR Free of Charge.

4. Issuance of Rupee Traveller Cheques Free for A/c Holders.

5. Issuance of Duplicate R.T.C Rs.500/- (being processing fee per application).

Page 4 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

6. Cancellation:
a) Demand Draft (if original is returned upon cancellation):
Rs. 375/-
Demand Draft (if stolen or lost)/Issuance of Duplicate
Rs.500/- upon confirmation of non encashment and completion of formalities.
Draft):

b) Telegraphic Transfer: Rs.500/- on receipt of re-credit confirmation from paying bank.

c) Pay Order & CDR (if original is returned upon cancellation):

Rs.250/-
Pay Order & CDR (if stolen or lost)/ Issuance of duplicate)

d) Refund in Lieu of Lost R.T.C Rs. 500/- per application for refund

F. LOCAL COLLECTION

1. Outward: 0.05% ; Minimum Rs.150/-

2. Outward Return Charges Rs.250/-

3. Inward: Rs.250/- plus DD/TT/PO Charges

4. Inter City Clearing. Rs.200/- per Cheque.

5. Inter City Return Charges Rs.200/- per Cheque.

G. PURCHASE OF LOCAL CURRENCY INSTRUMENTS

(as per limits prescribed in Prudential Regulation)

1. Drafts/PO drawn on First class banks: 0.25%; Minimum Rs.500/- plus mark up at agreed rate.

0.50%; Minimum Rs.500/- plus mark up at agreed rate. Full value of the instrument will be recovered if the instrument is
2. Clean cheques & other negotiable instruments purchased:
returned unpaid.

H. ADVANCES

Legal Counsel:

1. IN-HOUSE LEGAL ASSISTANCE: Rs 2,500/- minimum per document / case

OUTSIDE LEGAL ASSISTANCE: At Actual

2. Project Examination fee: 1% of the facilities requested, where applicable.

3. Arrangement/Syndication Fee: As per mutual agreement with the customer.

4. Documentation Charges: At Actual ; plus Rs 1,000/- documents vetting charges

5. Security Maintenance Charges: As per actual and where applicable.

6. Commitment Fees on Funded & Non- Fund Facilities Minimum Rs. 5000/- or as per arrangement

Page 5 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

7. Review Fee (Renewal) Minimum Rs. 5000/- or as per arrangement with client

8. Interim review fee for enhancement

Rs. 1000/- flat per request.
(Temporary or Permanent) of existing facilities

a) Mortgages:

i. Property Valuation Charges: At Actual

ii. Insurance At Actual

iii. Administrative Charges As per actual where applicable.

b) Pledged Stock:

i. Godown Rent: At Actual

ii. Godown Staff Salaries: At Actual

iii. Godown Inspection: At Actual

iv. Delivery Supervision Charges: At Actual

v. Muccaddam Charges: At Actual

vi. Delivery Order Issuance: Rs.250/- per delivery order.

vii. Insurance Premium: At Actual

c) Hypothecated Securities:

i. Stock Inspection Charges: At Actual

ii. Insurance Premium: At Actual.

d) Securities and Safe Custody Services:

i. Account opening and maintenance charges: Rs.1,500/- for individuals, Rs.2,000/- for other customers. Charges per annum, payable up-front.

0.10% flat, payable up-front, chargeable quarterly on market value (as the case may be) of shares/securities at the start of the
ii. Safe Custody – On shares/securities:
quarter.

iii. Handling –Sale/Purchase of shares/securities: 0.10% flat on market value or cost (as the case may be) of the shares/securities.

iv. Handling-Deposit/withdrawal shares/ securities * 0.10% flat on market value or cost (as the case may be) as at date of deposit/withdrawal

v. Collection of profit/return/dividends on shares in safe custody * 0.10% flat on the amount of profit/return/dividend collected.

vi. Insurance, stamp duty, taxes, brokerages, transfer fee, CDC charges, registration fee, postage & Courier charges: At Actual

Page 6 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

* These services charges do not apply in the case of our financing against shares/securities.

vii. Search Reports: At Actual

viii. Registration of Loan with SBP: Rs.3000/-

e) SME- Product Program Lending Charges:

i. Renewal/ Review Charges - Working Capital Finance 0.1% or Rs. 10,000/- whichever is higher.

ii. Renewal/ Review Charges - Karobar Advance 0.1% or Rs. 10,000/- whichever is higher.

iii. Renewal/ Review Charges - Cash Plus 0.5% or Rs. 4,000/- whichever is higher.

f) Agriculture Finance

Processing Charges 1% of the loan amount for fresh & renewal. 0.50% on the enhanced amount.

Documentation charges At Actual

Insurance At Actual (Whereas Crop Loan & Live Stock & Dairy customers follow State Bank Insurance Scheme)

I. GUARANTEES

1. Issuance, Renewal & Extension Commission

i. All Guarantees:
Up to Rs.100M: Up to 0.40% (Per Qtr or part thereof).

Exceeding Rs.100M: Up to 0.35% (per Qtr or part thereof).

Note: If guarantee secured against 100% Cash margin, the commission charged will be 50% of the above tariff.

2. Minimum Charges: Rs.1,500/-

3. Amendments: Rs. 1000/- per amendment. Enhancement in amount or extension of expiry to be charged as per 1 above.

4. Guarantees Approval from SBP: Rs.1,000/- per case

J. CONSUMER BANKING

(Consumer Assets Products: Auto, Housing, Personal Loans and Cash Secured Loans)

a) Auto Finance:

Page 7 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

i. Processing Fee. Rs.7,500/- (New/Used Cars) per case upfront (Non-refundable).

ii. Vehicles Registration charges: At Actual

iii. Late payment charges: Rs. 1200/- Per Late Payment Installment

Within 01 Year 5% of Outstanding Principal Amount.

iv. Early Settlement Charges:
After 01 Year 3% of Outstanding Principal Amount.

v. Re-possession charges: Rs. 50,000/- or actual whichever is higher + Tax

vi. Cheque Return Charges Rs.1,000/- per return

vii. Insurance As per Actual

viii. Vehicle Evaluation Charges (used Cars) As per Actual

ix. Legal notice fee As per Actual

x. Advertisement for sale of vehicles repossessed from defaulted client At actual cost.

b) Bank Makramah Mortgages

i. Processing Fee: 0.05% of Loan Amount or Rs. 8,000/- (Whichever is Higher) Non-Refundable

ii. Income Estimation Charges As per Actual

iii. Property Appraisal Charges As per Actual

iv. Legal Fee(s):

IN-HOUSE LEGAL ASSISTANCE: Rs. 2,500/- minimum per document / case

OUTSIDE LEGAL ASSISTANCE: At Actual

v. Life and Property Insurance As Per Actual

vi. Late Payment Charges: Rs. 1500/- Per Late Payment Installment

vii. Cheque Return Charges Rs. 500/- Per Return Cheque

5 % of Out Standing Principal with in 1 year. No penalty will be charged after 1 year if customer pays from own resources . In
Viii. Early Settlement charges:
Case of BTF, 10% of Outstanding Principal Amount will be charged

Page 8 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

c) Personal Loans (Secured & Unsecured):

i) Processing Fee: 1% of the loan amount or Rs.2,000/- (whichever is higher) Non–refundable

ii) Income Estimation Charges As Per Actual (Where applicable)

iii) Life Insurance As Per Actual (Where applicable)

iv) Late payment charges: Rs. 1000/= Per Late Payment Installment

v) Cheque Return Charges Rs.500/- per return Cheque

Within 01 Year 5% of Outstanding Principal Amount

vi) Early Settlement Charges:
After 01 Year 3% of Outstanding Principal Amount

Vii) Loan Enhancement/ Top-up facility Rs.1,000/-

Viii) Legal Fee(s):

IN-HOUSE LEGAL ASSISTANCE: Rs. 2,500/- minimum per document / case

OUTSIDE LEGAL ASSISTANCE: At Actual

d) Loan Against Gold & Gold Ornament

Processing Charges Rs.1500/-

Valuation charges by gold Smith At Actual. Minimum Rs. 500/-

Documentation Charges At Actual

Insurance Charges At Actual

Early Settlement Charges Nil.

K. CORPORATE/SME LEASING

i. Processing Fee: 1% per case upfront or negotiable on customer to customer basis.

ii. Document Charges: At Actual

iii. Commitment Charges: 0.5% per quarter on un-disbursed commitments or negotiable on customer to customer basis.

iv. Vehicle Registration Charges: At Actual

v. Late payment Charges Re. 1/1,000/diem

vi. Early Settlement charges Up to 5% of principal amount outstanding

vii. Repossession Charges: At actual as advised by repossession agencies.

Page 9 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

viii. Legal Expenses: As per actual, borne by the bank.

ix. Cheques returned unpaid Rs.1,000/-

x. Advertisement for sale of Articles repossessed from defaulted clients At actual cost.

a) PM Youth Business Loan:

i) Service charges Rs.100 (Non-refundable)

L. MISCELLANEOUS CHARGES

1. Makramah Advantage Account:

Processing Fee Against RF Facility Rs. 500/-

2. Makramah Classic Current Account:

Wellness Card (Health Insurance Charges):

Rs.167/- Per month per person will be applicable (i.e.Rs.2,000 p.a) in case of Non-maintenance of monthly average balance Rs.
Plan A
250,000/-.
Rs. 125/- Per month per person will be applicable (i.e. Rs.1,500 p.a) in case of Non-maintenance of monthly average balance
Plan B
Rs. 100,000/-.
Rs. 83/- Per month per person will be applicable (i.e. Rs.1,000 p.a) in case of Non-maintenance of monthly average balance
Plan C
Rs.50,000/-.
3. Makramah Senior Citizen Account:
Balance requirement No Minimum balance is applicable.

Cheque book issuance charges Free

4. Asaan Account
Cheque book issuance charges Rs. 10/- per leaf plus government levies if any

5. Investor Portfolio Securities Account: (IPS)

Security Movement (To & From another bank) PKR 500 per transaction FED will be applicable

Security (Buy/Sell) PKR 500 per transaction FED will be applicable

Account Maintenance PKR 200 per month FED will be applicable

Collection Coupon from SBP (PIBs) No Charges

6. Fund Transfer / Funds Out Flow (3rd party) Using RTGS.

Charges Payable to** BML Share of Charges ** Total per**

SBP Per Transaction Per Transaction Transaction

Page 10 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

i) MT 103 Facility
(Minimum amount through RTGS is Rs. 1 Million & Above)
Transaction Time Window*
9:00 AM to 1:00 PM Rs. 200/- Rs. 20/- Rs. 220/- **
1:00 PM to 3:00 PM Rs. 300/- Rs. 30/- Rs. 330/- **
3:00 PM to 4:00 PM Rs. 500/- Rs. 50/- Rs. 550/- **
FED will be applicable

ii) MT 102 Facility

(Minimum amount through RTGS is Rs 100,000/- to Rs 999,999)
Transaction Time Window*
9:00 AM to 4:00 PM Rs. 25/- Rs. 25/- Rs. 50/- **
FED will be applicable
*Note: Time schedule are as per five working days of a week i.e. Monday to Friday. The timing and charges may change as per SBP guidelines.

** Charges on RTGS customer transfers (MT 102 & MT 103) have been waived in light of SBP Instruction on " Measures to Limit the Spread of Corona Virus (COVID-19) by Promoting the use of Digital Payment Services" till further instructions.

7. Standing Instruction Charges: Rs.200/- per transaction (apart from other applicable charges).

No Minimum balance charges shall be applicable on all types of Deposit Accounts. However, the customer shall be required to
8. Minimum Balance Charges:
maintain minimum balance as per schedule below:

Monthly Minimum
Type of Account
Balance Requirement
Current Rupee 25,000

Saving Rupee No Minimum balance is applicable.

Others Rupee 10,000

Current F.C. $1,500

Saving F.C. $1,000

Others F.C. $1,000

9. Cheques returned unpaid:

Rs. 500/- per cheque to be recovered from the drawer's account on best effort basis (In all cases i.e. Cash, Clearing, Transfer
a) Return of Cheque presented to us in case of insufficient funds in the account
Delivery & Cash Transfer).
b) Outward Clearing Cheques Returned unpaid: Nil.

Page 11 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

Rs. 500/- per cheque,

10. Stop Payment of Cheques:
Rs. 500/- for multiple cheques per instruction

11. Duplicate Statement of Account: Rs. 35/- including F.E.D per statement (e.g Rs. 30.20 + 4.80)

12. Statements of Account issued other than at standard frequencies Rs. 35/- including F.E.D per statement

13. Account Balance / Account Activity Certificates / Balance Confirmations / Fee for issuance of Bank Certificate for
Rs.300/- per certificate
Emigrants/Overseas Employment

14. Issuance of Credit Reports: Rs.300/- per report, recoverable from account holder or correspondent bank, as applicable.

Rs. 10/- per leaf plus government levies if any. (Free for Makramah Senior Citizen Account).
15. Cheque Book Issuance & Destruction: In case, customer fails to collect cheque book within 90 days from respective Branch, cheque book will be shredded and above
mentioned charges will be recovered. (Except for Makramah Senior Citizen Account).

16. Cheque Book Dispatch: Rs.100/- per book plus postage/courier charges

17. Account closing charges: NIL.

As per arrangement OR
18. Cash Collection Services:
Minimum Rs.1,000/- per collection plus cost of security arrangement.

As per arrangement OR
19. Corporate Salary Disbursement:
Minimum Rs. 50/- per employee salary disbursement plus one time setup fee.

20. Same Day Clearing Charges Rs.250/- per cheque

21. Third Party Test verification charges: Rs.250/- per test

22. Online banking Cash/Clearing Transactions: Free

23. Use of ATM at bank machines: Free

24. Use of ATM at shared switch: As per actual applicable as levied by the relevant bank.

25. Hold Mail Charges Rs.1,000/- per half year

26. Obtaining Trade Related Credit Reports At Actual

27. Old Record Information Charges Above 1 year Rs. 300/- per transaction.

Commission @ 0.03% plus actual amount of Postage/ Courier charges, subject to negotiation of rate based on volume of
28. Dividend Warrant Payment and Processing
business.

29. Mandate - Banker to the Issue Services As per arrangement

30. Corporate Collection (Hospitals, Fuel Stations etc) As per arrangement

Page 12 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

M. TELECOMMUNICATION CHARGES

1. Swift:

Full Text: Rs.1,500/-

a) Import LCs: Short Text: Rs.700/-
Amendments: Rs.700/-

Foreign TTs: USD 15/or equivalent

b) Swift Transfers:
Local TTs: Rs.500/-

c) Others: Rs.700/-

International: Rs.2,500/- or actual whichever is higher

2. Courier: Inter City: Rs.100/-
Intra City: Rs.35/-

International
Export Documents: At Actual
Others-Registered: At Actual
3. Postage: Others-Ordinary: At Actual
Domestic
Registered: Rs.50/-
Ordinary: Rs.25/-

Local: Rs.100/-
4. Fax (per page):
Foreign: Rs.200/-

5. Telephones: Estimated actual charges, depending upon the length of call; minimum Rs.200/-.

N. LOCKERS*

Small: Rs. 3,000/- per annum

Medium: Rs. 4,000/- per annum
a) Rent
Large: Rs. 5,000/- per annum
Extra large: Rs. 6,000/- per annum

Small: Rs. 3,000/-

Medium: Rs. 6,000/-
b) Key Deposit (in advance to be refunded on termination):
Large: Rs. 9,000/-
Extra Large: Rs. 10,000/-

Zero Rental Lockers : Locker rent will be waived for the customers maintaining Key Deposit as under during tenancy period. (Refundable on termination):

Page 13 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

Small: Rs.20,000/-
Medium: Rs.40,000/-
Large: Rs.60,000/-
Extra Large : Rs 70,000/-

Rs. 150/- for Small,

Rs. 200/- for Medium,
c) Late fee (Locker rent):
Rs. 300/- for Large &
Rs. 500/- for Extra Large Per month with grace period of one month.

d) Breaking Charges: Actual plus Rs. 5000/-

e) Locker Insurance Charges Insurance coverage upto the limit prescribed below for each size of locker will be provided free of cost to the locker holder.

Small: Rs. 500,000/-

Medium: Rs. 1000,000/-
Insurance Coverage
Large: Rs. 1500,000/-
Extra Large : Rs. 2000,000/-

Note:* Locker Facility is available at designated Branches only, for assistance please contact @ 021-111-124-365.

O. DEBIT CARD CHARGES

Classic/Gold Charges Classic Gold Platinum

Initial Deposit Requirement N/A Rs. 500,000 Rs. 1,000,000

Annual Card Fee *(Primary Card -UnionPay International Card) - EMV: Rs 1,575 + FED Rs 2,325 +FED Rs 6,000 +FED

Annual Card Fee (Supplementary Card - UnionPay International Card) - EMV: Rs 1,575 + FED Rs 2,325 +FED Rs 6,000 +FED

Annual Card Fee *(Primary Card -MASTER) - EMV: Rs 1,875 + FED Rs 2,325 +FED -

Annual Card Fee (Supplementary Card - MASTER) - EMV Rs 1,875 + FED Rs 2,325 +FED -

*Annual Card charges will continue to be deducted in advance. However first year wavier will be removed. Charges will
be deducted up-front.

Replacement Cards -EMV (UnionPay International Card) & MASTER CARD)

• Tier upgrade: Free Free

Page 14 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

Rs 1,275 + FED Rs 1,875 +FED Rs 5,000 +FED (UnionPay International Card Primary)
Rs 1,275 + FED Rs 1,875 +FED Rs 5,000 +FED (UnionPay International Card Supplementary)
• Lost or Stolen or Reissuance:
Rs 1,500 + FED Rs 1,875 +FED (Master Primary)
Rs 1,500 + FED Rs 1,875 +FED (Master Supplementary)

• Expired card replacement: Free Free

Local Transactions:

Cash Withdrawal Fee (Bank Makramah Customer on Bank Makramah ATM) Free

Cash Withdrawal Fee (Bank Makramah Customer on 1Link Switch ATM) Rs. 23.44/-

Receipt on other ATM Cash Withdrawal (Bank Makramah Customer on 1Link Switch ATM) Rs.2.50/-

Cash Withdrawal Fee (Bank Makramah Customer on White Label ATM) Rs.50/-

Balance Inquiry Fee (Bank Makramah Customer on Bank Makramah ATM) Free

Balance Inquiry Fee (Bank Makramah Customer on 1Link Switch ATM) Rs. 3.13/- per Transaction

Balance Inquiry Fee (Bank Makramah Customer on White Label ATM) Rs.5/- or at Actual

Title Fetch charges for Non-Banking Entities Rs.5/-

Rs.15/-*
* Note:
Switch Dispute Resolution (SDRS) Charges • In ATM/POS dispute, re-dispute & debit authority transactions, etc., charges shall apply to Acquirer for valid dispute.
• In ATM/POS dispute & re-dispute transactions, etc., charges shall apply to Issuer for in-valid dispute.
• In 1IBFT dispute, re-dispute & debit authority transactions etc. charges shall apply

International Transactions

• Cash Withdrawal 4% or Minimum Rs 400/-

• POS Transactions 4% or Minimum Rs 400/-

• Balance Inquiry Rs. 200/- per transaction at all international locations.

Page 15 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

*Any International transaction (ATM/Merchants) conducted through your Bank Makramah Debit Card which are settled in foreign currency will be subjected to Market Currency Conversion rates as well as foreign transaction charges as per the prevailing
schedule of bank charges.

Online Collection of Government Taxes & Duties Charges Eliminated as per SBP instruction FD circular No. 04 of 2019

Transaction Slab

0 - 100,000 Rs. 10/- Charges Eliminated as per SBP instruction FD circular No. 04 of 2019

100,001 - 1,000,000 Rs. 20/- Charges Eliminated as per SBP instruction FD circular No. 04 of 2019

Above 1000,000 Rs. 50/- Charges Eliminated as per SBP instruction FD circular No. 04 of 2019

Transaction Retrieval / Charge Back

Classic Gold
• Local Transactions Rs. 250/-* Rs. 250/-*
*Plus Actual UnionPay International Card/Master

Rs. 500* Rs. 500/-*

• International Transactions
*Plus Actual UnionPay International Card/Master

USD500 * USD500 *
Arbitration Charge back
or as per actual charges of UnionPay International Card/Master

P. SMS Alerts on Digital Transactions Free

Local Number only.

Q. Complete SMS Alerts Subscription - Annual Charges
Rs. 1,500/- +FED per annum/Rs. 125/- +FED per month OR equivalent in other currencies

R. e-Banking (Internet Banking) Free

Kuickpay - via ATM, web, Mobile App Free

PayFast- eCommerce Payment Free

Daraz.Pk
Free
Offering token payment for daraz.pk under 1link biller and also payment via Net Connect (internet Banking).

S. Bank Makramah Mobile App

QR Payment Free

T. Mobile Recharge (Air-time purchase) through ATM, Web , Mobile & Contact Center Free (Charges Waived)

Page 16 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

Fund Transfer (within Bank Makramah) through ATM, Web , Mobile & Contact Center Free

Free IBFT services to individual customers up to, at least, a minimum aggregate sending limit of Rs. 25,000 per month/per
account,
IBFT (Inter-Bank Fund Transfer ) through ATM, Web , Mobile & Contact Center For transactions exceeding monthly aggregated limit of Rs. 25,000 per account, a transaction fee of 0.1% of the transaction
amount or Rs200, whichever is lower will be charged to the customer.
These charges are inclusive of all applicable FED/Service tax.

IBFT via RAAST Channel to RAAST Channel Free of cost

Title Fetch charges for Inter Bank fund transfer (IBFT such as through ATM, Internet Banking, Bank Makramah Mobile (App)
Rs. 1/-
and Ufone USSD )
Free
*Home Remittance
Free
*eDividend

UBP (Utility Bill Payment) through ATM, Web , Mobile & Contact Center Free

Card Bills Payments through ATM, Web, Mobile & Contact Center Free

U. 1Bill Payment via ATM, Web, Mobile App Free

V. Prize Bond Claim Charges CIT charges (at actual) + Rs. 750 excluding FED

W. Basic Banking Account

Type of Account Current (Non-remunerative)

Minimum Initial Balance No Minimum Balance Require

Minimum Balance Requirement None

Minimum Balance Charges None

Free Counter Transactions Unlimited

Free ATM Transaction Free on Bank Makramah ATMs

Statement of Account Frequency Annual

WAIVER OF CHARGES*
Postage, Courier, Telephone, Telex and Fax Charges will not be recovered from account holders maintaining an average monthly balance of Rs.0.10 million or equivalent in non-interest/non-profit bearing accounts, or an average balance of Rs.0.500 million or
equivalent in interest / profit bearing accounts, or an average balance of Rs.3.0 million or equivalent in Daily Product Accounts. For the purposes of determination of exemption, previous month’s average balance should be used; Commission on following
type of transactions will also not be deducted from such customers.

Page 17 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

1.Pay Order, Demand Draft, CDR Issuance and Cancellation

2.Outward Remittances –Local & Foreign*

3.Inward Remittances –Local & Foreign

4.Collection of Local & Foreign Currency Cheques

5.Statement of Accounts

6.Returned Cheques (Cheque returned charges is applicable now)

7.Stop Payment of Cheques

8.Standing Instruction Fee
9.Issuance of Balance Confirmation Statement/ Certificate
10.Delivery of Cheque books by Registered Mail
11.Issuance of Withdrawals Slips
12.M Form Approval
13.Cash Collection Services if collection is equivalent to Rs.0.500 million and/or above
14.Same day clearing charges
15.Cheque Book issuance charges.

16.Hold Mail Charges

a). Bank Makramah Staff is also exempted from all charges*
b). The under mentioned categories are exempted from levy of account opening, maintenance and closing charges. Moreover, there is no initial balance required for opening of accounts of under mentioned categories as per directive of State Bank of
Pakistan.
i) Students

ii) Mustahiqueen of zakat

iii) Senior Citizen

iv) Employees of government / semi government institutions for salary and pension purposes including widows/children of deceased employees eligible for family pension/benevolent fund grant etc.
*however, out of pocket expenses will be recovered.

c).While calculating average balances for eligibility of waiver of charges, balances in all accounts of a Group or family shall be accounted for Hamara Family Savings A/C only.

Page 18 of 19
 CONVENTIONAL BANKING - SCHEDULE OF BANK CHARGES FOR THE PERIOD JAN-JUN-2024

NOTE:

a) All government excise duties/taxes/zakat etc., are for customer’s account and will be deducted in addition to the above mentioned charges.

b) Out of pocket expenses will be collected for all banking services not otherwise covered by the Schedule.

c) Charges may be collected in Pak Rupees or Foreign Currency in all categories.

d) Courier charges and postage where applicable will be recovered separately on all services.

e) Correspondent bank charges will be recovered at actual, in addition to our charges as per schedule.

f) Charges relating to corporate customers may differ as a result of an agreement between the concerned customer and the Bank.

g) Bank management reserves the right to adjust or waive any or all charges. However, such adjustments /waivers will only be subject to approval of the respective Business Head.

h) Bank management reserves the right to recover additional charges on those services which involve unusual work.

Page 19 of 19