SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

SCHEDULE OF CHARGES
EFFECTIVE FROM 01-07-2020 TO 31-12-2020
(Federal Excise Duty (FED) and all other applicable Government levies on any specified service will be
charged in addition to the Service Charges as listed below, if not mentioned otherwise.)

DOMESTIC BANKING
PL Category
Sr. No. Description Allied Rate of Charges
(T24)
A REMITTANCES
1 Issuance of Fresh Instruments
(a) Issuance of DDs/Allied Banker Cheque (ABC) Issued by Debit to Account: 52113
Payable at any Branch in Pakistan Upto Rs.500,000 Flat Rs.250/-
From Rs.500,001 to Rs.1,000,000 Flat Rs.450/-
Above Rs.1,000,000 Flat Rs.700/-

Issued Against Cash

0.20%, Minimum Rs.1250/-
(Account Holders & walk-in-customer)

Note:
The charges for making the instrument for payment of fee dues in favour of
educational institutions, i.e HEC /Board etc. not to exceed 0.50% of fee /dues amount
or Rs.25/- per instrument (including FED) whichever is less.
(b) Issuance of Pay Order / Allied Banker Cheque Issued by Debit to Account: 52103
(ABC) Payable at Issuing Branch only. Rs.300/- Flat
Issued Against Cash
0.50% Min Rs.500/-
(Account Holders & walk-in-customer)

Note:
The charges for making the instrument for payment of fee dues in favour of
educational institutions, i.e HEC /Board etc. not to exceed 0.50% of fee /dues amount
or Rs.25/- per instrument (including FED) whichever is less.
(c) Issuance of Call Deposit Receipt Issued by Debit to Account: 52067
Rs.150/- Flat

Issued Against Cash

Rs 1500/- Flat
(Account Holders & walk-in-customer)

Note:
The charges for making the instrument for payment of fee dues in favour of
educational institutions, i.e HEC /Board etc. not to exceed 0.50% of fee /dues amount
or Rs.25/- per instrument (including FED) whichever is less.
2 Cancellation of Instruments
Cancellation of Demand Draft/Pay Order/Call Issued by Debit to Account:
Deposit Receipt/Allied Banker Cheque (ABC) Rs.350/- (Flat)
Payable at any Branch or Payable at Issuing Issued Against Cash
branch Rs.600/- (Flat)
(Account Holders & walk-in-customer)
52114
Note:
The charges for cancellation of instruments issued for payment of fee dues in favour
of educational institutions, i.e., HEC /Board etc. not to exceed 0.50% of fee /dues
amount or Rs.25/- per instrument (including FED) whichever is less.
3 Issuance of Duplicate Instruments
Issuance of Duplicate Demand Draft/Pay Issued by Debit to Account: 52115
Order/Call Deposit Receipt/Allied Banker Cheque Rs.350/- Flat
(ABC) Issued Against Cash
Payable at any Branch or Payable at Issuing Rs. 600/- Flat
branch (Account Holders & walk-in-customer)

Note:
The charges for issuance of duplicate instrument issued for payment of fee dues in
favour of educational institutions, i.e., HEC /Board etc. not to exceed 0.50% of fee
/dues amount or Rs.25/- per instrument (including FED) whichever is less.
Note:
Recovery of charges under Cash Management or any other arrangement shall be subject to agreement.
4 Rupee Travellers' Cheques
(a) Issuance of Rupee Travelers' Cheques No Charge
(b) Issuance of Duplicate Rupee Travelers' Cheques. Rs.50/- per leaf 52066
5 Issuance of SBP/NBP Instruments & RTGS
(a) Issuance of SBP/NBP Cheque on Customer's Rs.500/- per cheque
Request. 52065

Page 1 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(b) Transfer of fund of Rs.1,000,000/- & above through FUNDS OUTFLOW
REMITTANCES
Real Time Gross Settlement (RTGS) System - MT
Days Transaction time SBP Charges ABL Share of RTGS Charges Per Trans.Charges
103 Facility Monday From 9.00 AM to 1.00 PM Rs .200 Rs.20 Rs.220/-
to From 1.00 PM to 3.00 PM Rs.300 Rs.30 Rs.330/-
Friday From 3.00 PM to 3.45 PM Rs.500 Rs.50 Rs.550/-

FUNDS INFLOW
No Charge 52121

Note:
RTGS charges payable to SBP are not Negotiable

* As per rule FED/ST is applicable only on ABL' s share of RTGS charges

(c) Transfer of fund of Rs.100,000/- & above through FUNDS OUTFLOW

Real Time Gross Settlement (RTGS) System - MT
102 Facility Days Receipt of RTGS Request SBP Charges ABL share of Per Trans.Charges
Monday RTGS charges

Maximum 10 Payment Instructions in one MT 102 to From 9:00 AM to 3:45 PM Rs. 25/- Rs. 25/- Rs. 50/-
Friday

FUNDS INFLOW 52121

No Charge

Note:
RTGS charges payable to SBP are not Negotiable

* As per rule FED/ST is applicable only on ABL' s share of RTGS charges

6 Inter Branch Online Transactions

(a) Cash Withdrawal
(I) Through Cheque a) Within City
Upto Rs. 250,000 - Rs. 10
Above Rs. 250,000 - Free

b) Inter City 52014

Upto Rs.500,000 - Rs. 325/-
From Rs.500,001 to Rs.1,000,000 - 0.075%, Minimum Rs.375/-
Above Rs.1,000,000 - 0.10%, minimum Rs. 1,000/-
Maximum Rs. 3,000/-
(ii) Biometric Cash Transactions over the a) Within City - Rs.25
Counter without Cheque. (per day Per
CNIC transactions) b) Inter City 55012
Upto Rs.500,000 - Rs. 350/-
From Rs.500,001 to Rs.1,000,000 - 0.080%, Minimum Rs.400/-
(b) Cash Deposit a) Within City - Free 52015

b) Inter City
Upto Rs.500,000 - Rs. 325/-
From Rs.500,001 to Rs.1,000,000 - 0.075%, minimum Rs.375/-
Above Rs.1,000,000 - 0.10%, minimum Rs. 1,000/-
Maximum Rs. 3,000/-

Note:
No service fee shall be charged from the students depositing the amount of fee
directly in the fee collecting account of the educational institution.
(c) Account to Account Transfer a) Within City 52112
Upto Rs. 250,000 - Rs. 10
Above Rs. 250,000 - Free

b) Intercity - 0.1 %, Minimum Rs.350/- Maximum Rs.2,000/-

Note:
No service fee shall be charged from students depositing amount of fee directly into
fee collecting account of educational institutions.
(d) Cheque / Instrument deposit for Clearing / a) Within City - Free 52116
Collection by Remote Branch b) Intercity - 0.1% Minimum Rs.425/- Maximum Rs.2,000/-

Note:
No Charges on collection of ABL's Dividend Warrants on ABL's shareholders maintain
account with ABL.
(e) Inter Bank Fund Transfer (IBFT) from branch Rs. 500/- Flat - for transfers from Account. 55523
counter (Maximum single transfer of Rs. 250,000) Free for Allied Business Account

Page 2 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(f) Pay Anyone through Branch Counter (Fund
REMITTANCES
Trasnfer from Allied Account to any person's CNIC)
55009
Commission
Rs. 250/-
B INLAND LETTER OF CREDIT (ILC)
1 Inland Letter of Credit (ILC)
ILC Opening commission - Annual Business

(a) Upto Rs 50 Million 0.40% per quarter or part thereof

Exceeding Rs. 50 Million up to Rs 75 Million 0.35% per quarter or part thereof
Exceeding Rs. 75 Million up to Rs 100 Million 0.30% per quarter or part thereof 52328
Above Rs 100 Million Negotiable per quarter

Minimum Rs.2000/- per LC

Plus applicable Dispatch / Communication Charges as per tariff in Section I.

Note:
i) Negotiable Rates are approved by Chief
CIBG/CRBG and RMG
ii) Projected annual volume to be ascertained and
approved by Chief CRBG/CIBG.
iii) Commitment letter from customer for paying
difference in commission arising out of shortfall in
business commitment should be obtained &
placed on record. Copy of Commitment letter of
each customer will be handed over to Trade
Factory for Monitoring and any difference in
commission will be recovered at the end of the
year. Any waiver in this regard will be given by the
CEO duly recommended by respective chief
CRBG/CIBG and RMG.
2 Amendment Charges
(a) Without increase in amount /extension in period of Rs.1500/- (Flat) per instance 52328
shipment. Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Involving increase in amount and/or extension in Rs.1500/- (Flat) per instance Plus commission as mentioned at Sr. # B (1) above 52328
period of shipment. Plus applicable Dispatch / Communication Charges as per tariff in Section I.

3 Revalidation (Extension in period after ILC Commission to be recovered from the date of last expiry of LC until new expiry date of
expiry) LC at rates applicable in case of opening of fresh LC as mentioned at Sr. # B (1)
above.

Revalidation commission will be charged on acceptance by the applicant to 52306

submission of documents against expired LCs negotiating /opening bank's counters.

Plus applicable Dispatch / Communication Charges as per tariff in Section I.

4 Cancellation charges. Rs 1000/- (Flat) per instance

Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52346

5 Transfer Commission Transfer commission at the rates applicable in case of opening of fresh LC as 52306
mentioned at Sr. # B (1) above.

Plus LC revalidation charges as mentioned at Sr. # B (3), if the expired LC is

revalidated along with its transfer to a new beneficiary

Plus applicable Dispatch / Communication Charges as per tariff in Section I.

6 Bills Under ILC - Opening End
(a) Bills Under Sight ILC - Payment Against
Documents (PAD amount net of cash margin)

(i) Commission - If bill is retired (paid) within 3 No commission

days from the date of payment to the
negotiating bank.
(ii) Commission - If bill is retired (paid) within 4- 0.25% on purchase price
7 from the date of payment to the 52352
negotiating bank.
(iii) Mark-up to be recovered on PAD amount In case of Approved Limit:
(NET OF CASH MARGIN - held since Mark-up at approved rate to be applied from the date of debit to PAD lodgment till the
opening of ILC or before negotiation of date of retirement, after adjustment of cash margin, if any.
documents):
In Absence of Approved Limit:
Mark-up will be charged @ 3 Month KIBOR plus 5 % p.a. from the date of debit to
PAD lodgment till the date of retirement, after adjustment of cash margin, if any.
(b) Past Due Obligations (PDO) - If bill is not adjusted
within 7 days

Page 3 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(i) Commission on Transfer to PDO
REMITTANCES 0.35% on purchase price. 52352
(ii) Mark Up after Transfer to PDO @20% p.a. to be charged for PDO period
(c) Bills Under Usance ILC - Acceptance
(i) Commission - if Bill is paid on due date a) Commission Rs. 1000 Flat per bill. (if realized within
LC validity)
b) Commission @ 0.10% per month or part thereof.
Minimum Rs. 1000 per bill from the date of expiry 52343
of LC (if bill realized after LC validity)
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(ii) Mark Up - If Bill is paid on due date No Markup
(d) If bill is not paid on due date.

(i) Commission - If bill is not paid on due date Commission @ 0.40% Flat, Minimum Rs 1000 52358
i.e Finance Against Dishonoured Bill Plus extra commission @ 0.10% per month to be recovered from the date of expiry of
(FADB) LC
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(ii) Mark Up - If bill is not paid on due date, i.e, Mark up @20% p.a. from the due date of the bill till the date of adjustment. 52358
LC paid through Finance Against
Dishonoured Bill (FADB)
7 Bills Under ILC - Negotiating End
(a) Bills Under Sight ILC
(i) Commission 0.55% Minimum Rs. 800/- (irrespective of the amount of LC) 52343
Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(ii) Markup a) Mark-up to be recovered as per terms of Approval
or Minimum @ 16% p.a.
b) If the bill is paid after 15 days from the date
of purchase /discounting, mark-up @ 20%
p.a. to be charged for the entire period.
(iii) Collection Charges for restricted LCs Rs.1000/- Flat 52342
(Where negotiation is restricted to other Plus actual charges of other collecting Banks if any.
bank and presented to us for forwarding) Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Bills Under Usance ILC
(i) Commission Commission 0.40%, Minimum Rs 1000/-.
Plus correspondent banks charges at actual. 52358
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(ii) Mark-up to be recovered on Discounting/ In case of Approved Limit:
Negotiation: Mark-up at approved rate will be applied.
52358
In Absence of Approved Limit:
Mark-up @ minimum 16 % p.a
(iii) In case bill paid after due date Markup @ 20% p.a. to be charged from due date till the date of adjustment.
8 Purchase / Discounting of Bills - Documentary Bills Without ILC
(a) Documentary Bills purchased other than those a) Commission 0.40% - Minimum Rs.1000/-
drawn against Letter of Credits.
Plus actual charges of other collecting Banks if any.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
52344
b) Mark-up to be recovered as per terms of Approval.
c) If bill paid after due date, mark-up @ 20% p.a. to
be charged from due date till date of adjustment.
(b) Clean Bills (Cheques, Bank Drafts etc.) a) Commission 0.40% - Minimum Rs.100/-

Plus actual charges of other collecting Banks if any.

Plus applicable Dispatch / Communication Charges as per tariff in Section I.
52165
b) Mark-up to be recovered as per terms of Approval.
c) If bill paid after due date, mark-up @ 20% p.a. to
be charged from due date till date of adjustment.
(c) Storage Charges a) No Charges, if cleared within 3 days of its
receipt by the branch. 52196
b) Rs. 2/- per packet per day Minimum Rs. 100/-.
9 Collections
(a) Documentary 0.40%, Minimum Rs.1000/-
Plus actual charges of other collecting Banks if any. 52363
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Clean (Including Cheques/dividend warrants/bank 0.25%, Minimum Rs. 200/-, Maximum Rs. 10,000/-
drafts etc.) Plus actual charges of other collecting Banks if any. 52071
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(c) Express Collection through IBR a) Within City - Free
b) Intercity - 0.05%, Minimum Rs.250/- Maximum Rs. 2,000/-
52111
10 Other charges under ILC

Page 4 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(a) Advising charges of (inward) ILC or Amendment
REMITTANCES Rs 1500/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52328
(b) ILC Confirmation Charges @ 0.25% per month. Minimum Rs.1,500/- or as per agreed Pricing with Financial
Institution Division. 52328
(c) Handling of Discrepant documents under ILC. Rs.3,000/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52310
(d) Bills returned unpaid under ILC Rs 500/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52359
Plus correspondent banks charges at actual.
(e) If the documents are sent to other banks for Rs.1,100/- Plus applicable charges.
negotiation/collection under restricted ILC. Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52342
Plus correspondent banks charges at actual.
(f) Returning Charges for Documentary and Clean Rs.500/- Flat
collection (Clean Collection including cheques, Foreign Currency Account US$ 10/- Flat or equivalent FC
Bank draft etc.) Plus actual charges of other collecting Banks if any. 52359
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
C GUARANTEES
1 Issuance of Guarantees (General)
(a) Issuance of Guarantees to Shipping Companies / Rs.2,000/- Flat 52361
Airlines / Transport Companies in lieu of bills of
lading / Airway Bill / Truck Receipts / Railway Plus applicable Dispatch / Communication Charges as per tariff in Section I.
Receipts.
(b) Issuance of Guarantees favouring Collector of
Customs.
Not issued against 100% Cash Margin / lien on 0.60% per quarter or part thereof. Minimum Rs.1500/-
current account
52371
Plus applicable Dispatch / Communication Charges as per tariff in Section I.

(c) Other Guarantees including Bid-Bond,

Performance Bonds, Advance Payment
Guarantees, Guarantees issued at the request of
the Account holder in Pakistan.
Not issued against 100% Cash Margin / lien on Annual Business
current account
a) Upto Rs.15 Million, 0.40%, per quarter or part thereof
52372
b) Above Rs. 15 Million upto Rs.30 Million 0.30%,
per quarter or part thereof
c) Above Rs. 30 Million upto Rs. 50 Million, 0.25%
per quarter or part thereof
d) Above Rs. 50 Million - Negotiable

Minimum Rs.1500/- per annum per guarantee or Rs.500/- per quarter wherever
guarantee validity is less than one year.

Plus applicable Dispatch / Communication Charges as per tariff in Section I.

Note: -
a) In case of Gurantees issued agains 100% cash Margin/ Lien on current account, no Commission will be charged except
applicable Dispatch/Communication charges as per tariff in Section I,
b)
(i) Commission to be charged on all Guarantess from the date of issue till expiry of the Guarantee including claim validity period
or till such time the bank is released from its libilities which ever is higher.
(ii) Rs. 2000/- per month or part thereof will also be charged after expiry date of LC till receipt of original Guarantee and release
of shipping documents under clause C(1)(a).
c) Negotiable Rates are approved by Chief CIBG/CRBG and RMG
d) Projected annual volume to be ascertained and approved by Chief CRBG/CIBG.
e) If business commitments are not documented in Credit Approval, separate commitment letter from customer for
paying difference in commission arising out of shortfall in business commitment should be obtained & placed on record . Any
difference in commission arising due to shortfall in business volume will be recovered at the end of the year. Any waiver in this
regard will be given by the CEO duly recommended by respective chief CRBG/CIBG and RMG.
f) All out of pocket expense on Guarantees to be charged at actual, irrespective of lien or margin held.
2 Amendments in Guarantees (General)
(a) Without increase in amount /extension in period Rs.1,200/- Flat for PKR denominated guarantees.
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52381
(b) Involving increase in amount and/or extension in Issuance commission as in C(1) according to nature/type of guarantee.
period Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52372
3 Issuance of Guarantees (Back to Back)
(a) Issuance of Back to Back Guarantees, Including As per other Guarantees as mentioned at Sr. # C(1)(c) above. Minimum US $ 100/-
Bid Bonds, Performance Bonds, Advance Payment (Above Commission subject to negotiations with clients & correspondent
Guarantees issued against counter guarantees of arrangements by Financial Institution Division) 52373
Foreign Banks. Plus applicable Dispatch / Communication Charges as per tariff in Section I.

(b) Amendment in Back to Back Guarantees

Page 5 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(i) Without increase in amount /extension in
REMITTANCES US $ 60 Flat
period Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52381
(ii) Involving increase in amount and/or Commission as per Guarantees as mentioned at Sr. # C(3)(a) above.
extension in period Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52373
4 Claim Lodgment
(a) Handling Commission Rs. 2,500/- Flat
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52382
Plus charges for instrument issued for payment of claim to beneficiary.
(b) Mark Up - In case Forced Liability is created for Mark-up @ 20% p.a. will be charged from the date of creation of the forced liability till Regular
payment against invocation of guarantee its complete adjustment. markup
category
D LOCKERS
1 Safe Deposit Lockers - Annual Fee to be recovered in advance in Calendar Quarter when locker is issued.

Description Rent or Security Deposit

(a) Upto 0.40 cft - Small Rs.3,750/- p.a. Rs.40,000/-

(b) From 0.41 to 0.80 cft & From 0.81 to 1.35 cft - Rs.4,500/- p.a. Rs.70,000/-
Medium 55511
(c) From 1.36 to 1.75 cft & From 1.76 to 2.00 cft - Rs.6,000/- p.a. Rs.100,000/-
Large
(d) From 2.01 to 2.50 cft & From 2.51 to 3.00 cft - Rs.12,000/- p.a. Rs.125,000/-
Extra Large
Note:
Security Deposit is inclusive of key deposit, which is refundable at the time of vacation of Locker.
2 Key Deposit Small Rs.3,000/- (Flat)
(refundable at the time of surrender of locker) Medium Rs.3,500/- (Flat)
Large/Extra Large Rs.5,000/- (Flat)
3 Locker Breaking Charges Rs. 6,000/- or actual which ever is higher
55512
4 Late Payment Charges on Locker Rent 10% of the applicable annual locker rent with grace period of 30 days from the due
(If annual rent not paid on due date) date. 55513

DL DIGITAL LOCKERS
1 Small Rs.30,000/-
Digital Locker - Rent (Annual) Medium Rs.35,000/- 55573
Large Rs.40,000/-
2 Digital Locker - Key Deposit Small Rs.10,000/-
Medium Rs.10,000/- 15416
(Refundable at the time of surrender of locker) Large Rs.10,000/-
3 Small Rs.400,000/-
Digital Locker - Against Security Deposit -Upfront Medium Rs.500,000/- 15413
Large Rs.600,000/-
4 Small Rs.10,000/- or actual whichever is higher
Digital Locker - Break Opening Charges Medium Rs.10,000/- or actual whichever is higher 55574
Large Rs.10,000/- or actual whichever is higher
5 Digital Locker - Late payment charges
10% of overdue locker rent with grace period of 30 days from the due date. 55575

E FINANCES / ADVANCES / INVESTMENT BANKING / LEASING

1 Corporate & Investment Banking
Following charges to be recovered in addition to
interest/markup/return on investment.
(a) Project Examination/ Arrangement/ Advisory/
Processing/ Upfront Fee etc.:
To be negotiated with customer on case to case basis/or as per Sanction Advice. 52199
(b) Legal Documentation Fee. To be negotiated with customer on case to case basis/or as per Sanction Advice.
52160
(c) Commitment Fee. To be negotiated with customer on case to case basis/or as per Sanction Advice.
52163
(d) Project Monitoring Fee. To be negotiated with customer on case to case basis/or as per Sanction Advice.
52164
(e) Consortium Management Fee. To be negotiated with customer on case to case basis/or as per Sanction Advice.
52207
(f) Issuance of NOC for creation of charge on asset(s) Rs.10,000/- (Flat) or as negotiated with customer with the approval of Chief CIBG.
of the borrowing company in favour of other
52193
bank(s) / DFI (s)
2 Commercial & Retail Banking

Page 6 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(a) Processing charges on CA for Fresh, Renewals,
REMITTANCES S.No Amount of Limit (Rs.) Processing Charges 52158
Enhancements, Regular Proposals (Fund & Non i) From 0 upto 5 Million 0.1% or Minimum of Rs.2,000/-
Fund Based) ii) Above 5 upto 10 Million 0.1% or Minimum of Rs. 5,000/-
iii) Above 10 upto 25 Million 0.075% or Minimum of Rs.10,000/-
iv) Above 25 upto 50 Million 0.05% or Minimum of Rs.20,000/-
v) 50 Million & above 0.035% or Minimum of Rs.25,000/-

a. Processing charges are Non- Refundable and are to be charged upfront.

b. Charges are as percentage of requested amount.
c. Not applicable on Product Programs.
(b) One Time Transactions, Amendment, Temporary S.No Amount of Limit (Rs.) Processing Charges
Enhancements & EOLs i) From 0 upto 5 Million Rs. 1,000/-
ii) Above 5 upto 10 Million Rs. 2,000/-
iii) Above 10 upto 25 Million Rs. 3,000/- 52195
iv) Above 25 upto 50 Million Rs. 4,000/-
v) 50 Million & above Rs. 5,000/-
(c) Issuance of NOC for creation of charge on asset(s) Rs.10,000/- (Flat) or as negotiated with customer for limits exceeding Rs. 100 Million
of the borrowing company in favor of other bank(s) as approved by Chief CRBG. 52193
/ DFI (s)
3 Agricultural Finance
(a) Processing charges on CA of Agriculture for Fresh, a) For All Farm Loans
Renewals, Enhancements, Regular Proposals S.No. Amount (Rs.) Processing Charges
(Fund Based) i) 0 to 0.5 Million Rs.1,000/-
ii) Above 0.500 to 0.999 Million Rs.2,000/-
iii) for 1 Million and Above Rs.3,000/- 52031

b) For All Non Farm Loans

S.No Amount of Limit (Rs.) Processing Charges

i) From 0 upto 5 Million 0.1% or Minimum of Rs.2,000/-
ii) Above 5 upto 10 Million 0.1% or Minimum of Rs. 5,000/-
iii) Above 10 upto 25 Million 0.075% or Minimum of Rs.10,000/-
iv) Above 25 upto 50 Million 0.05% or Minimum of Rs.20,000/-
v) 50 Million & above 0.035% or Minimum of Rs.25,000/-

a. Processing charges are Non- Refundable. To be charged upfront

b. Charges are as percentage of requested amount.
(b) One Time Transactions, Amendment, Temporary S.No. Amount (Rs.) Processing Charges
Enhancement and Excess Over Limits. (On i) 0 to 0.5 Million Rs.1,000/-
borrowers request). ii) Above 0.500 to 0.999 Million Rs.2,000/- 52032
iii) for 1 Million and Above Rs.3,000/-
(c) Agriculture Loans against Liquid Securities. (i) Rs. 1,000/- Flat for each activity – Facility size upto
(Processing Fee, Annual Renewal Fee, Interim Rs. 1 Million (Non-Refundable, Payable Upfront)
enhancement and amendment) (ii) Rs. 2,000/- Flat for each activity – Facility size above
52033
Rs. 1 Million (Non-Refundable, Payable Upfront)
4 Program Lending
(a) All approved Lending product programs Facility charges upto 1% p.a of approved exposure to be recovered from the client
upfront at the time of disbursement of the facility
52194
(Separate facility charges for each Program Lending to be approved by respective
authority).
5 ABL Fast Finance
(a) Application Processing / Renewal / Interim Facility (i) Rs. 1,000/- Flat for each activity – Facility size upto 52010
(including one time transactions) / Amendment Rs. 1M (Non-Refundable, Payable Upfront) (AFF-LG)
52011
(ii) Rs. 2,500/- Flat for each activity – Facility
size above Rs. 1M (Non-Refundable, Payable (AFF-RF)
Upfront) 52012
(AFF-TL)
(b) Processing charges in case of assignment of Rs.1,200/- Flat
guarantee issued by other banks 52042
6 Allied Personal Loan
(a) Processing Fee (Non refundable) Rs.3,000/-or 1% of the loan amount whichever is higher
This will include charges related to Data Check, Verification and stamp duty. 52679

(b) Markup a) Up to Rs: 1 million - 25% (For Cross-Sell & Affluent Customers
Segments)
b) Above Rs: 1 million to Rs: 2 million - 22% (For Cross-Sell & Affluent 52677
Customers Segments)
c) Institution/Corporate Segment - As per agreement
(c) Late Payment Fees Rs.800/- 52680
(d) Cheque Return Charges due to insufficient Funds Rs.1,200/-
on Auto Debit 52681

Page 7 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(e) Prepayment Penalty
REMITTANCES 5% of total outstanding amount ((applicable only on Cross-Sell and Affluent customer
segment; No Prepayment Penalty for cross selling to Corporate Segment) 52682

(f) Limit Enhancement Fee Rs.2,200/- or 1% of the requested amount whichever is higher.
52683

7 Allied Car Finance

(a) Processing fee Rs. 7,500/- (Non Refundable) – After approval of case 52685
(b) Late Payment Charges Rs. 1,500/- per instance 52686
(c) Cheque Return Charges Rs. 1,200/- per instance 52687
(d) Vehicle Re-Possession Charges Actual incurred by the bank up to a maximum of Rs. 100,000/-
(e) Repossessed Vehicle’s Transportation Charges Actual incurred by the bank up to a maximum of Rs. 50,000/-
(f) Repossessed Vehicle’s valuation Charges Actual
(g) Monthly Warehouse Charges Actual incurred by the bank up to a maximum of Rs. 30,000/-
(h) PO/DD/ABC Reissuance Charges PO/DD/ABC cancellation/duplicate issuances charges as per Section A
"REMITTANCES" above. 52687
(i) NOC Issuance Fee Nil
(j) Prepayment Charges Partial Pre-Payment
Up to 5% of the amount being prepaid up to a maximum of Rs. 50,000/-
52688
Full Pre-Payment
Up to 4% of principal outstanding.
8 Allied Home Finance
(a) Processing Fee Rs. 6500 + FED

(b) Property Valuation Fee As per Actual

(c) Legal Fee As per Actual
(d) Property Insurance Premium As per Actual

Registration/Redemption of Legal
(e) documents As per Actual

Property Appraisal Fee/BOQ Evaluation As per Actual

(f)
Charges
(g) Late Payment Charges Rs. 1500/- + FED per instance

Income estimation charges (whereever As per Actual

(h) applicable)

(i) Cheque Return Charges Rs. 1200/- + FED per instance

Stamp Duty (including but not limited to

As per Actual
(j) Finance Documents, Transfer of Title and
Mortgage Perfection)
Pre-mature termination charges a) 5%o of Outstanding Principal if the facility is requested for premature termination
by the obligor after I Year and up to 3 years of repayment.
b) 3% of principal outstanding if the request for termination is received after 3 years
and up to 7 years of repayment.
(k) c) 1% of principal outstanding if the request for termination is received after 7 years
and up to l0 years of repayment.
d) No charges after l0 Years of finance relationship
e) For LTF request cases would however be charged penalty at the rate of 5%

In case the delay occurs on part of the

customer in availing the facility,the following
As per actual
(l) fresh reports (If required) shall be obtained
at his/her cost:Valuation report, Income
estimation report
PO/DD/ABC Reissuance Charges PO/DD/ABC cancellation/duplicate issuances charges as per section A
(m) "REMITTANCES" above.
Life Insurance Premium Bank will bear the cost of life insurance against the outstanding exposure amount.
However, if assurer charges premium over and above agreed rate due to any
(n)
abnormality observed in medical examination, borrower shall bear the additional
premium
9 Allied Solar System Finance
Processing Fee Rs.5,000/- Plus FED or 1% of the loan amount whichever is higher
(a)
(b) Insurance Premium As per Actual
(c) Late Payment Charges Rs.1,200/- + FED per instance
(d) Cheque Return Charges Rs.1,200/- + FED per instance

a) 5%o of Outstanding Principal if the facility is requested for premature

(e) Pre-mature Termination Charges termination by the obligor after 1 Year and up to 4 years of repayment.
b) No charges after 4 years of finance relationship
PO/DD/ABC cancellation/duplicate issuances charges as per section A
(f) PO/DD/ABC Reissuance Charges "REMITTANCES" above.

Page 8 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
10 Other Charges Relating to Advances
REMITTANCES
(a) Professional Fee for Valuation of Mortgaged / As per Actual Bill of evaluator 52153
Pledged Assets - Charges for evaluation of
securities and maintenance thereof

(Valuation to be carried out by evaluator listed on

the panel maintained by Pakistan Banks
Association.)
(b) Legal Charges - Legal fees and charges paid to Actual 52159
advocates for consultation/opinion/examination of
documents.
(c) For advances against pledge/hypothecation
various charges to be recovered as follows:

(i) Godown Rent Actual

52154
(ii) Godown staff salaries - Salaries of Godown Actual
Keepers/Chowkidars.
52155
(iii) Godown inspection Charges a) Within Municipal Limits or within a radius of 10 KM
from the branch (shall be credited to Bank's Income)
Upto Rs. 5 Million Rs. 1,000/-
Above Rs.5 Million up to Rs. 25 Million Rs. 2,000/-
Above Rs.25 Million up to Rs.50 Million Rs. 2,500/-
Above Rs.50 Million Rs. 3,500/-
Plus actual conveyance charges. Maximum one visit per month.

b) Outside the above limits

Charges as defined in (a) above plus T.A. & D.A.
As per rules (Applicable to respective staff)
(iv) Delivery Charges - If a Godown Keeper is Actual
not posted, conveyance charges will be
recovered.
(v) Other incidental expenses for Actual 52157
Documentation / other Legal Charges etc.
Note:
While recovering the above charges, the amount recovered from the borrowers shall not exceed the actual expense incurred.
No Godown rent for ABL Own Warehouses.
F ALLIED BANK - VISA CREDIT CARD
1 Visa Credit Card
(a) Joining Fee No Charge
(b) Annual Fees
(i) Basic Gold Rs.2,000/-
Platinum Rs.4,000/-
52701
(ii) Supplementary Gold Rs. 500/-
Platinum Rs.1,000/-
(c) Service Charges a) Retail Cash and PO/DD/ABC:
2.3% of outstanding amount per month
translated into an APR 28%
b) Balance Transfer Facility & Allied Easy Instalments: 52702
1.67% of outstanding amount per month
translated into an APR 20%
(d) Late Payment Fees Rs.1,200/- 52703
(e) Cash Advance Fees Rs.500/- (per transaction) or 3% of the cash transaction amount whichever is higher
plus all the charges passed on by the acquiring bank, additionally applicable
withholding tax on the sum of all the transactions in a day exceeding Rs.50,000/- 52704

(f) Balance Transfer Processing Fees Rs.500/- 52706

(g) Allied Easy Installments Processing Fees Rs.500/-
(h) PO / DD /ABC Issuance Fees Rs. 500/- or 3% of PO/DD/ABC amount whichever is higher plus PO/DD/ABC
issuance charges.
(i) Voucher Retrieval Fees Local Rs.400/- per voucher
International Rs.1,000/- per voucher
(j) Arbitration Charges for disputed transaction At Actual 52710
(k) Cheque Return Charges / insufficient funds on Rs.1200/- + FED per instance
auto debit 52711
(l) Duplicate Statement No Charge 52712
(m) E-Statements No Charge
(n) Card Replacement Fees Upto Rs 500/- 52713
(o) Foreign Transaction (International) : Upto 4% over prevailing market rate on all foreign currency transactions . Any foreign
currency transaction (other than US Dollars) will be first converted into US dollar as
per the rate quoted under arrangement with VISA.

Page 9 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(p) Credit Protector (Optional)
REMITTANCES Upto 0.35% of outstanding amount
(q) Allied Easy Installment Prepayment Penalty Upto 10% of the remaining amount
(r) Priority Pass Annual Fee No Charge
(s) Priority Pass per Visit Cost US$ 30/-
(t) Priority Pass Replacement Card Fee Rs.600/-
G ALLIED BANK - DIGITAL CHANNELS
1 Allied UPI PayPak co-badged Debit Card
(a) Annual Fee Rs. 850/- 52736
(b) Card Replacement Fee Rs. 500/- 52737
2 Allied EZ Cash Prepaid Card
Chip Enabled Prepaid Card Issuance Fee 600 52731
Card Replacement Fee 450
Re-load fee Free
3 Allied Premium Debit Card
(a) Annual Fee Rs 7,000/-
(b) Card Replacement Fee Rs. 600/-

4 Allied Basic Debit Card

(a) Annual Fee Rs 600/-
(b) Card Replacement Fee Rs. 400/-

5 Allied Cash + Shop VISA Debit Card (VDC)

(a) Classic
(i) Annual Fees Rs.1,100/- 52736
(ii) Card Replacement Fee Rs.600/- 52737
(b) High Value Package (Sapphire)
(i) Annual Fees Rs.1,400/- 52736
(ii) Card Replacement Fee Rs. 600/- 52737
(c) Special Limit Package (Sapphire-200)
(i) Annual Fees Rs.2,000/- 52736
(ii) Card Replacement Fee Rs. 600/- 52737
(d) Card Upgrade / Downgrade Fee Rs. 500/-
(Annual fee of upgraded Card will apply from next due fee cycle)
Debit Card Type Daily Limits
Cash POS /
Withdrawal e-Commerce
Classic 50,000 100,000
Sapphire 100,000 250,000
Sapphire 200 200,000 500,000
Premium 300,000 1,000,000

(e) Other Charges - ATM / Debit Card/Pay Pak/UPI

(i) Transaction Retrieval Fee Rs.300/- for domestic

Rs.900/- for international transactions 52738
(ii) Arbitration charges (in case of false charge At Actual
back - International) 52739
6 e-Commerce / Point of Sale (POS)
(a) Charges on Purchase Transactions (Domestic) Free (Off Net)
(b) Currency Conversion Fee Upto 4% of transaction amount on all foreign currency transactions .

7 ATM Transaction Charges

(a) Charges on Cash Withdrawal Transactions No Charge
(Domestic) - On Net

(Not applicable on Allied Basic Banking Account

holders)
(b) Charges on Cash Withdrawal Transactions Rs.18.75/- including FED or as applicable.
(Domestic) - Off Net 55522
(c) Currency Conversion Fee (International ATM Upto 4% of transaction amount on all foreign currency transactions .
Transactions)
(d) Charges on Balance Enquiry - On net No Charge 55572
(e) Charges on Balance Enquiry - Off net Rs.2.5/- per enquiry or as applicable (1-Link)
(f) Charges on Balance Enquiry (International) Rs.200/- per enquiry 55524
(g) Inter Accounts Funds Transfer through ATMs Rs.50/- per transaction
(Domestic - Within ABL) 52744
(h) Inter Bank Funds Transfer through ATMs Upto Rs. 10,000/- Rs. 50/-
(Domestic) Above Rs. 10,000/- Rs. 135/- 52720
(i) Biometric Cardless Transaction Fee (On-Us only) Rs. 15 per transaction
(Card Activation Service Through Biometric ATM is free) 52733

Page 10 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(j) Tax payment charges (P2G)
REMITTANCES This Facility is Free of Charges
55611
For both ADC & OTC Facility
Note:
a) Annual Fee to be recovered in advance in Calendar Quarter when card is issued. No refund on account
closure. All charges/fees are applicable on per-card basis.
b) The exchange rate between the transaction currency and the billing currency used for processing foreign currency transactions is a
wholesale market rate selected by VISA/UPI from within a range of wholesale rates in effect plus the percentage that Allied Bank charges
on account of Foreign Currency Conversion.
c) No Annual Fee for salary account of ABL Employee (one account only).
d) On Net means transaction carried out at ABL ATM network.
e) Off Net means a switch transaction carried out at other Bank ATM network (1Link/MNET).
f) No Annual Fee for First Year on ABL Basic Debit Card.
g) Illiterate customers can apply for ABL Basic Debit Card only.
8 myABL Digital Banking
(a) myABL Personal Internet Banking
(i) myABL Registration Charges Free 55001
(ii) myABL Annual Subscription Charges Free 55002
(iii) Fund Transfer to Own Account, Any ABL Account ABL to ABL Transfer - Free
& Pay Anyone Pay anyone Rs 150/- Per transaction
55003
(Not applicable on Allied Basic Banking Account
holders)
(iv) Inter Bank Funds Transfer through myABL Upto Rs. 10,000/- Rs. 25/-
(Domestic) Above Rs. 10,000/- Rs. 75/- 55004
(v) Tax payment charges (P2G) This Facility is Free of Charges
55611
For both ADC & OTC Facility

(b) myABL Business Internet Banking Charges to be agreed with client on a case to case basis.

(No Registeration Charges on myABL Business Internet Banking for Allied

Business Accounts)
9 IVR / Phone Banking
(a) Funds Transfer – Own Account of Customer Rs. 50/- per transaction 55301
(b) Funds Transfer – Any ABL Account Rs. 50/- per transaction 55302
10 Domestic Remittance Services (JazzCash)
(a) Money Transfer - Send Money to CNIC Charges will be levied as per prevalent JazzCash Service Charges 52785
11 BranchLess Banking
1 myABL Wallet Account
a Utility Bill Payments Free
b Cash deposit to myABL Wallet Account
Deposits (1-50,000) from all ABL Branches - Free
First 5 transactions per month from Agents - Free
(All ABL Branches and ABL Nominated Following Slabs will apply from 6th transaction.
Agents) Slabs Charges
501-1000 Rs25/trx
1001-2500 Rs.45/trx
2501-4000 Rs.65/trx
4001-6000 Rs.85/trx
6001-8000 Rs.105/trx
8,001-10,000 Rs.125/trx
10,001-13,000 Rs.145/trx
13,001-15,000 Rs.165/trx
15,001-20,000 Rs.185/trx
20,001-25,000 Rs.205/trx

Page 11 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
c Cash Withdrawal from myABL Wallet
REMITTANCES Slabs Charges
Account 1-500 Rs. 10/trx
501-1000 Rs.25/trx
(All ABL Branches and ABL Nominated 1001-2500 Rs.40/trx
Agents) 2501-4000 Rs.65/trx
4001-6000 Rs.90/trx
6001-8000 Rs.115/trx
8001-10,000 Rs.150/trx
10,001-13,000 Rs.175/trx
13,001-16,000 Rs.225/trx
16,001-20,000 Rs.275/trx
20,001-25,000 Rs.325/trx
25,001-30,000 Rs.400/trx
30,001-40,000 Rs.450/trx
40,001-50,000 Rs.500/trx
(From agent network withdrawals of PKR 501-25,000 are allowed. Withdrawals of Rs.
1-50,000 can be done from ABL Branches)
d Money transfer
1 myABL Wallet Account to myABL Wallet Free
Account
2 myABL Wallet Account to ABL Regular Free
Account (FT) (Non-Linked)
e SMS alerts on myABL Wallet Account Free

f Money Transfer - myABL Wallet Account Slabs Charges

to CNIC 1-1,000 Rs.45/trx
1,001-2,500 Rs.90/trx
2,501-4,000 Rs.135/trx
(Payable at any ABL Branch) 4,001-6,000 Rs.190/trx
6,001-8,000 Rs.230/trx
8,001-10,000 Rs.265/trx
10,001-13,000 Rs.300/trx
13,001-15,000 Rs.340/trx
15,001-20,000 Rs.440/trx
20,001-25,000 Rs.490/trx
25,001-30,000 Rs.565/trx
30,001-40,000 Rs.600/trx
40,001-50,000 Rs.715/trx
g Inter Bank Fund Transfer (IBFT) from Slabs Charges
myABL Wallet App and ATMs 1-1,000 Rs.20/trx
1,001-2,500 Rs.35/trx
2,501-4,000 Rs.50/trx
4,001-6,000 Rs.70/trx
6,001-8,000 Rs.80/trx
8001-10,000 Rs.125/trx
10,001-13,000 Rs.180/trx
13,001-15,000 Rs.230/trx
15,001-20,000 Rs.275/trx
20,001-25,000 Rs.325/trx
25,001-30,000 Rs.375/trx
30,001-40,000 Rs.425/trx
40,001-50,000 Rs.475/trx
h ATM Biometric Verification Rs. 15 per verification

i Mobile Top-up Free

j Upgrade of myABL Wallet Account Free

k Minimum Balance charge Free

l myABL Wallet Account Opening Free

m Transfer-In (Transfer from Linked ABL Free

Core Account to myABL Wallet Account)

n Transfer Out (Transfer from myABL Free

Wallet Account to Linked ABL Core
Account)
o Request/Demand Money (From other Free
myABL Wallet Account)
2 myABL Wallet Co-badged Debit Card
i Annual Fees Rs. 550/-
ii Card Replacement Fee Rs. 500/-
iii Cash withdrawal from ATM (On net) Free
iv Cash withdrawal from ATM (Off net) Rs. 18.75/- including FED
v Charges on Balance Inquiry-ATM (on net) Free
vi Charges on Balance Inquiry-ATM (off net) Rs. 2.5/- per inquiry or as applicable (1-Link)

Page 12 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
H MISCELLANEOUS
REMITTANCES CHARGES
1 Issuance of Cheque Book Rs. 15/- Flat per leaf for PLS Accounts. 52003
Rs.12/- Flat per leaf for Current Account.
FCY Accounts, US $ 5 per cheque book of 25 leaf or equivalent in other Foreign
Currencies.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
Charges will be debited to the respective account at the time of cheque book
requisition.

2 Stop Payment Instructions Rs 500/- per instruction for Rupee Account 52002
US$ 10/- per instruction for FC Accounts (or equivalent in other Foreign currencies)
and FC Cheques / Drafts
3 Standing Instructions
(a) Standing Instructions Fee Rs.200/- per transaction except deduction of loan installments 52017
Plus all charges for transaction executed under these Standing Instructions as per
applicable rates of that relevant transaction.
(b) Failed Standing Instructions due to error on Rs.200/- per attempt 52009
the part of the customer

4 Cheque Returned Charges

(a) Cheque returned Inward Clearing: Rs. 500/- per cheque from Issuer (Local Currency) 52058
(If returned due to fault on the part of respective US$ 5/- per cheque from Issuer (or equivalent in other Foreign currencies)
account holder i.e. balance insufficient in account,
drawer's signatures incomplete /differ/ required,
cheque contain extraneous matter, payment
stopped by drawer, revenue stamp required/
insufficient & mutilated cheque etc.
(b) Cheque returned on counter No Charges
5 Clearing Charges
(a) Same day clearing (at the time of Lodgment) Rs.550/- (including NIFT Charges) 52056
(b) Intercity clearing (at the time of Lodgment) Rs.450/- (including NIFT Charges) 52057
(Rawalpindi-Islamabad are considered as one city)
6 Balance confirmation/Account maintenance Rs. 300/- per certificate 52029
certificate required by Customers other than
auditors.
7 Bank Certificate for the purpose of Visa Rs. 500/- per certificate 55559

Note:
No charges on Bank Certificate for Tax Purposes.
8 Account closing processing charges
(a) Local Currency Account. Rs. 500/- or whatever minimum balance available in Account. 52001
No Charges if closed by the Bank.
No Charges for regular Saving Accounts
(b) Foreign Currency Account: US$ 12/- or equivalent from the currencies other than US $ or whatever minimum 52001
balance is available in Account.
No Charges if closed by the Bank.
9 Account Maintenance Charges
(a) Service Charges on all Accounts where minimum
monthly average balance falls below:

i) ABA Accounts Rs. 50,000/- i) Rs. 43.10 Plus Applicable FED, not exceeding Rs. 50/- p.m
ii) Current Accounts Rs. 25,000/- ii) Rs. 43.10 Plus Applicable FED, not exceeding Rs. 50/- p.m 52022
iii) Saving Products iii) Rs. 43.10 Plus Applicable FED, not exceeding Rs. 50/- p.m
(other than Regular
Saving Accounts) Rs.10,000/-
(b) Foreign Currency Account

Service Charges if average balance in Foreign

Currency Accounts falls below following amounts
during a month.

i) New FCY A/C

USD 500/- USD 2/- p.m.
GBP 500/- GBP 2/- p.m. 52022
Euro 500/- Euro 2/- p.m.
JPY 50,000/- JPY 300/- p.m.

ii) On Frozen A/Cs.

USD 500/- USD 5/- p.m.
GBP 500/- GBP 5/- p.m.
Euro 500/- Euro 5/- p.m.
JPY 50,000/- JPY 500/- p.m.

Page 13 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(c) Service charges on "Allied Basic Banking
REMITTANCES
Accounts" at Parent branch only.

i) 02 withdrawals & 02 deposits through branch i) No Charges

counter during a calendar month 52021
ii) Additional transactions ii) Rs.50/- each for every withdrawal / deposit
through branch counter
iii) Withdrawals through ABL ATM/VDC iii) No Charges
Note:
Following Accounts are exempt from levy of service charges

i) Accounts maintained by employees of Govt./Semi-Govt.Institutions for Salary, Pension and Benevolent Funds purpose
including widows/children of deceased government employees eligible for receiving family pension/benevolent funds
grant etc. in any manner what so ever.
ii) Mustahqeen Zakat
iii) Zakat Accounts Maintained for collection & disbursement of Zakat Funds
iv) Students
v) ABL employees Salary Account.
vi) Deceased Accounts.
vii) Any account specially exempted by the Bank under Cash Management or under any other special arrangement.
10 eCIB Charges. Rs. 50/- flat 52152
(No eCIB Charges to credit card holders, customers of Allied Business Finance, Allied
Personal Finance & Allied Car Finance)
11 Printing of duplicate /additional Statement of For the period of 6 Months Rs. 30.17 Plus Applicable FED, not exceeding Rs. 35/ 52016
Account For each additional period Rs. 30.17 Plus Applicable FED, not exceeding Rs. 35/
upto next 6 Months

For FCY Accounts, rupee equivalent of charges will be deducted from FCY Account

12 Electronic Statement of Account (e-SOA) Rs.20 per statement. 52016

Charge For daily Rs.600/Month
For weekly Rs.80/Month
For fortnightly Rs.40/Month
For montly Rs.20/Month

For FCY Accounts, rupee equivalent of charges will be deducted from FCY Account

13 Photocopy of paid Cheques provided to Upto one year old: Rs. 200/- per cheque 52663
customer. Above one to five year old: Rs.500/- per cheque
Above five year old: Rs. 750/- per cheque
14 Investors Portfolio Account (IPS)
(a) IPS Maintenance Account Charges No Charges 52023
(b) IPS Transaction Charges Free 52023

Note:
RTGS charges to be recovered as per SoC.
15 SMS Pack I Rs.75/- per month for each account. 52714

16 SMS Pack II Rs.150/- per month for each account.

17 Charges from employer on Salary Rs. 50/- per salary transaction per month 52008
Disbursement service (without any formal
arrangement with Bank).
Note

Charges will not be applied on Salaries of following:

a) Government / Semi Government Institutions and Armed Forces.
b) Customers approved by respective Chief Business and Chief BSG based on Business reciprocity.
18 Charges on collection accounts (other than Rs.25/- per transaction 52026
formal cash management arrangement)

19 Dividend Warrant

Page 14 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(a) Charges on Dividend Warrants (to be recovered
REMITTANCES 0.30% of disbursed amount - Minimum Rs. 10,000/- 52104
from dividend declaring companies)

Note:
a) Dividend Warrant (DW) charges are negotiable
with the Customers depositing full Dividend
amount in advance or Rs.50 Million, whichever is
less in Dividend Account (Current) for payment of
Dividend Warrants.
b) In case DWs are not printed through a Printer
referred by the Bank and subsequently it is found
that the DWs are rejected by NIFT while
processing for payment, actual charges of NIFT
applicable on Non-Standard Instruments will be
recovered from the Dividend declaring Company.
Obtaining Fresh Form-29/Form-A from SECP against At Actual
20
Corporate Accounts
55013
Cheque Book Delivery Charges at customers mailing Rs. 300/- Flat Per Cheque Book.
21
address. ( as per customer written request) Plus applicable Dispatch / Communication Charges as per tariff in Section I.

I DISPATCH / COMMUNICATION CHARGES

1 Postage - Ordinary
(a) Local - Within City Rs. 30/- Flat - Per Item 52691
(b) Inland - Inter City Rs. 50/- Flat - Per Item 52691
2 Postage - Registered
(a) Local - Within City Rs. 50/- Flat - Per Item 52691
(b) Inland - Inter City Rs. 70/- Flat - Per Item 52691
(c) Foreign Rs. 200/- Flat - Per Item 52691
(d) For Inland LC Rs. 200/- Flat - Per Item 52357
(e) For Foreign Import LC Rs. 1,200/- Flat - Per Item 52356
3 Courier
(a) Local - Within City Rs. 125/- Flat - Per Item 52357
(b) Inland - Inter City Rs. 250/- Flat - Per Item 52357
(c) Foreign Foreign Rs.2,000/- per instance for every 0.5 KG of weight or part thereof, or actual
which ever is higher. 52356
4 SWIFT
(a) Full Text LC / Guarantee Messages Rs. 2,000/- Flat - Per Item 52356
(b) LC / Guarantee Amendment Messages Rs. 700/- Per Message 52356
(c) All other SWIFT Messages Rs. 700/- Per Message 52357
5 FAX / Other Communication Charges
(a) FAX Message Rs. 100/- Flat - Per Message 52357
(b) Communication Expense Rs. 100/- Flat - Per Item 52205
Note:
These charges will not be applicable on internal communication from trade factory to branches and vice versa.

INTERNATIONAL BANKING

J IMPORTS
1 Cash Letter of Credit - Issuance

Page 15 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(a) Cash Letters of Credit Opening Commission -
REMITTANCES
Annual Business First quarter or Each subsequent quarter
part thereof or part thereof
Upto Rs.25 Million 0.40% 0.25%
Above 25 Million upto Rs.50 Million 0.35% 0.20%
Above Rs. 50 Million upto Rs. 100 Million 0.30% 0.20% 52306
Above Rs 100 Million Negotiable

In all above cases, Min Rs.2,000/- per LC per quarter

Note:
a) Negotiable Rates are approved by Chief CIBG Plus applicable Dispatch / Communication Charges as per tariff in Section I
/CRBG and RMG Plus LC Confirmation charges at actual if applicable.
b) Projected annual volume to be ascertained Plus handling charges @ Rs 500 (flat) and commission @ 0.10%, if the payment of
and approved by Chief CRBG/CIBG. import bill is made by arranging remittance through another bank.
c) If committments are not documented in Credit
Approval, separate commitment letter from Note:
customer for paying difference in commission If LC is opened with 100% Cash Margin/Lien Over Current Account - No Commission
arising out of shortfall in business commitment shall be charged. Only applicable Dispatch / Communication Charges as per tariff in
should be obtained & placed on record . Any Section I or all out of Pocket expenses at actual.
difference in commission arising due to shortfall in
business volume will be recovered at the end of the
year. Any waiver in this regard will be given by the
CEO duly recommended by respective chief
CRBG/CIBG and RMG.
(b) Non-reimbursable letters of credit under Barter 1% for 1st quarter or part thereof 0.30% for each subsequent quarter or part thereof. 52306
/Credit/Loans. Minimum Rs.1500/-

(c) LC Under "Suppliers/Buyers Credit". Pay As you 0.40% per quarter or part thereof upto final payment Minimum Rs. 2,000/-. 52306
Earn Scheme and Deferred Payment LCs for Plus applicable Dispatch / Communication Charges as per tariff in Section I.
period over one year. At the time of opening of LC, commission to be charged on full amount of LC liability
plus interest payable thereon for the period from the date of opening of LC until the
expiry. Thereafter commission is to be recovered on six monthly basis on outstanding
reducing liability, as per Schedule of Charges applicable as at that date.

2 Amendments
(a) Without increase in amount /extension in period. Rs.1,100/- per transaction (Flat) 52306
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Involving increase in amount and/or extension in Issuance commission as mentioned in Sr. # J(1)(a), J(1)(b) or J(1)(c) according to 52306
period. nature/type of LC.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
3 Revalidation (Extension in period after LC Commission to be recovered from the date of last expiry of LC until new expiry date of 52306
expiry) LC at rates applicable in case of opening of fresh LC as mentioned in Sr. # J-1 above
(LC commission will be calculated on the amount of liability as per Exchange rate
prevailing on the date of revalidation).
Revalidation commission will be charged on acceptance by the applicant to
submission of documents against expired LCs negotiating /opening bank's counters.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.

4 Cancellation charges. Rs.2,000/- per LC 52346

Plus applicable Dispatch / Communication Charges as per tariff in Section I.
5 Transfer Commission Transfer commission at the rates applicable in case of opening of fresh LC. (Sr. # J-1 52306
above).
Plus LC revalidation charges (Sr. # J-3), if the expired LC is revalidated along with its
transfer to a new beneficiary
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
6 Import Bills Under Sight LC - Payment
Against Documents (PAD net of Cash Margin)

(a) Service Charges 0.15% on bill amount or Minimum Rs.1200/- 52348

Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Commission
(i) If bill is retired (paid) within 15 days from No commission
the date of negotiation appearing on
covering schedule/value date (which ever is
applicable) or from date of
lodgment/remittance by the branch till date
of payment.
(ii) Commission - If bill is retired (paid) during 0.25% on purchase price 52352
16-30 days from the date of lodgment.
(c) Mark-up to be recovered on PAD amount (NET OF
CASH MARGIN - held since opening of LC or
before negotiation of documents):

Page 16 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(i) In case of Special Approval:
REMITTANCES Mark-up at approved rate to be applied from the debit to NOSTRO Account or PAD Markup
Lodgment whichever is earlier till the date of retirement, after adjustment of cash
relevant
margin, if any.
code will be
used
(ii) In case of No Special Approval: Mark-up will be charged @ 3 Month KIBOR plus 5 % p.a. Markup
relevant
code will be
used
(d) Past Due Obligations (PDO) - If bill is not adjusted
within 30 days

(i) Commission on Transfer to PDO 0.35% on purchase price.

52352
(ii) Mark Up after transfer to PDO @ 20% p.a to be charged for PDO period

For PDO cases against FE-25 finance, markup rate will be charged with addition of 52352
4% over and above the advised /agreed lending rate where exception approval is not
available with branch.
(iii) Mark-up on import bills under Forced FIM, a) Markup to be charged @ 20% p.a.
(Bill not retired and party has no sanctioned b) Plus Bank commission @ Rs.0.40% on purchase price .
FIM facility)

7 Import Bills Under Usance LC - Acceptance

(a) Service Charges 0.15% or Minimum Rs.750/-

Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52348
(b) Commission

(i) If Bill is paid within due date a) Commission Rs. 1000 Flat per bill. (if adjusted within
LC validity) 52358 Inland
b) Commission @ 0.15% per month or part thereof. Import
Minimum Rs. 1000 per bill from the date of expiry
Foreign
of LC (if bill adjusted after LC validity)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52306

(ii) If bill is not paid within due date, i.e., LC Commission @ 0.40% Flat, Minimum Rs 1000 plus extra commission @ 0.10% per
paid through Finance Against Dishonored month to be recovered from the date of expiry of LC
Bill (FADB) Plus Mark up as per Sr. # J (7)(c) below 52352
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(c) Markup
(i) If Bill is paid within due date No Markup

(ii) If bill is not paid within due date, i.e., LC Mark up @20% p.a. from the due date of the bill till the date of adjustment.
paid through Finance Against Dishonored
Bill (FADB)
8 Collection Charges
(a) Service Charges 0.15% or Minimum Rs.750/-
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52348
(b) Commission a) Rs.1000/- (Flat) per collection if charges are on
drawer's Account.
b) US$ 20/- if charges are on Principal Account. 52350
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
9 Other Charges On Import Transactions
(a) Contract Registration
(i) Contract Registration for import on 0.10% Minimum Rs.2,000/-
consignment basis (Annual Basis) 52307
(ii) Contract Amendment a) Without increase in amount /extension in period -
Rs. 700/- Flat per amendment
b) Involving increase in amount and/or extension 52306
in period - Charges as per Sr. # J (9)(a)(i) above.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Payment to suppliers against imports for which 0.10% Minimum Rs.1,000/-
contract has not been registered and/or documents Plus correspondent bank charges at actual 52307
directly received by Importers. Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(c) Import against advance payment to suppliers 0.15%, Minimum Rs.1,700/-
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52349
(d) Handling of discrepant documents under import US $100/- (Flat) + Swift charges USD 20/-
LC. 52347
(e) Import Bills returned unpaid US$ 100/- (Flat) or its equivalent in other currencies from remitting bank.
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52354
Plus correspondent banks charges at actual.

Page 17 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(f) Re-imbursement charges (payable to re-imbursing At Actual
REMITTANCES
Banks). 52353

(g) Issuance of freight certificate for import on FOB Rs.1,000/-

basis. 52309
(h) Obtaining credit reports on behalf of customers Rs. 500 plus Actual charges of Credit Rating Agency.
from Credit rating agencies Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52006
(i) In case Foreign Exchange cover provided by the 0.10% Plus handling charges Rs. 800/- Flat
client is through another bank 52304
(j) Obtaining approval from SBP Rs. 1,000/- flat per transaction 52305
K EXPORTS
1 Letters of Credit
(a) Advising
(i) In case Charges are on Beneficiary Rs 1,500/- (Flat)
Account. Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52368
(ii) In case Charges are on Applicant Account US $ 50/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52368
(b) Amendment Advising
(i) In case Charges are on Beneficiary Rs.1,000/- (Flat)
Account Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52368
(ii) In case Charges are on Applicant Account US $ 35/- (Flat)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52368
(c) Negotiation of Rupee Bills under LC 0.25%, Minimum Rs. 475/- 52368
(d) Confirmation of LC 0.25% per quarter or minimum Rs 1100/- per quarter or part thereof.
Subject to availability of country limits/cross border risk(s) or as approved by Financial
Institution and RMG. 52368
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(e) Transfer of L/C. Rs 1,500/- (Flat) - If without substitution of documents.
Rs. 15,000/- (Flat) - if with substitution of documents 52368
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
2 Collections
(a) Clean Bills (Cheque/Bank Draft etc.) Rs.125/- per collection Plus applicable charges (Reimbursement portion)
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52364
(b) Documentary Bills

(i) Commission Rs.250/- per collection Plus applicable charges (Reimbursement portion).
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52374
(ii) Service Charges Upto Rs.150 Million - 0.13% Minimum Rs.1000/-
Above 150 Million - 0.10% Minimum Rs. 2000/- 52345

3 Other Charges under Export Transactions

(a) Handling of compensatory Rebate 0.25% per claim minimum Rs.500/-.
Applications/Duty draw back /R&D cases 52367
applications/claims.
(b) Commission on Advance Inward Export payment Upto 0.13% per transaction
Minimum Charges Upto Rs.1,000/- per transaction
If more then one document is involved against same advance payment, Commission 52374
should be recovered for each document separately
(c) Export Bills Negotiated/ Discounted (i.e., Mark-up
a) Mark-up to be recovered as per terms of Approval.
on late realization of Sight Usance Bills). b) For over due period, Mark-up @ 20% p.a. will be
charged from due date till its adjustment.
C) For PDO cases against FE-25 finance, markup rate will be charged with
addition of 4% over and above the advised /agreed lending rate where
exception approval is not available with branch.
(d) Reimbursement payment to other local banks from Rs. 1,000/- Flat
N.R. Pak. Rupee A/c. 52368
(e) If the documents are sent to other banks for Rs.1,100/- Plus applicable charges (Reimbursement portion)
negotiation under restricted Letters of Credit. 52368
(f) Export Bill Realized through FCY 0.12% Min Rs 1500 52345
(g) Charges of Export against Surrender of FCY Rs. 1,000/- Flat per case
notes/deposits for Afghanistan 52345
(h) Transfer of Export Proceeds to other Bank 0.13% of bill amount
received in our NOSTRO 52345
(i) In lieu of exchange earnings where exporter sells Rs. 1,200/- Flat
foreign exchange to some other bank where as
documents were sent for collection through our 52345
bank
(j) Preparation of substitution case in ERF-Pre Rs.2,000/- Flat
shipment 52345

Page 18 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
(k) ERF Part – 1, where pre-shipment is obtained from Rs. 2,000/- per shipment
REMITTANCES
us and export is routed through other bank 52345
(l) EE-Certification Rs.500/- per case 52334
(m) Export LC Cancellation Rs. 1,500/- Flat.
Plus applicable Dispatch / Communication Charges as per tariff in Section I 52368
(n) Handling of Clean and Discrepant documents Rs. 1,000/- Clean
negotiation Rs. 2,000/- Discrepant 52367
(o) Export Documents Returned Un-Paid Rs. 600/- Flat per documents + Correspondence charges 52345
(p) ERF - II - NOC for Entitlement Rs. 1,000/- per NOC 52345
L FOREIGN REMITTANCES
1 Outward Remittances
(a) Foreign Traveler Cheques. 1% of amount TC sold Minimum Rs 200/-.
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52321
(b) Remittance abroad through F.C. Account a) Flat US$ 5/- per item upto value of US $ 1000 or its
(including FDD / FTT) equivalent.
b) 0.25% per item for value of over US $ 1000 or its
equivalent, Minimum US$ 10/-, Maximum US $ 100. 52324
Plus Additional Charges @ 0.25%, Minimum US $ 5 (or equivalent currency) to be
recovered where remittance is effected within 15 days of cash deposits.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(c) Remittance abroad other than through Foreign
Currency Account (including FDD / FTT)
(i) To Universities/Educational Institutions on Rs. 400/- Flat
behalf of students (for education purpose) (Correspondent charges to be recovered by the correspondent while paying to
beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(ii) Other Remittances abroad 0.10% per item. Minimum Rs. 500/-
(Correspondent charges to be recovered by the correspondent while paying to
beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(d) Commission / Handling charges on deposits of
Foreign Currency Notes for the credit of FC
Account in respective currencies.
(i) In Case deposit remains in the FC Account No Charges
for 15 days.
(ii) In Case deposit remains in the FC Account 0.25%, Minimum US $ 5 (or equivalent currency)
for less than 15 days. 52763
(e) Remittance abroad under specific approval of SBP Rs. 1500/- flat
(Correspondent charges to be recovered by the correspondent while paying to
beneficiary) 52325
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(f) FDD/FTT Cancellation charges Flat Rs.500/-
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52323
(g) Issuance of Duplicate FDD Flat Rs.500/-
Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52322
2 Inward Remittances
(a) Home Remittances No charges to be recovered, if the funds are remitted to branch of our bank or to other
bank. 52761
(b) Other than Home Remittance No Charges, if the proceeds are credited to an account with any branch of our bank.
In other cases, DD/PO Charges as well as dispatch / communication charges (as
applicable) would be recovered 52762

(c) (i) Local USD cheques & drafts/ Collection and a) If credit to Pak. Rupees Account Rs.550/- per
settlement charges instrument including NIFT & collecting bank charges.
b) If credit to Foreign Currency Account, USD 5/-
52054
including NIFT & collecting Bank Charges.
(ii) Return Cheque Charges a) Pak. Rupees Account:
Rs.650/- per returned cheque inclusive of NIFT
charges. 52055
b) Foreign Currency Account:
USD 6/- or equivalent inclusive of NIFT charges
M OTHER CHARGES (International Banking)
1 Correspondent Bank's charges (if any). Actual PKR 14474
2 Foreign Bills/Cheques/TCs sent for collection Flat Rs. 500/-
returned un-paid. Plus Foreign correspondent charges 52055
Plus applicable Dispatch / Communication Charges as per tariff in Section I.

Page 19 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
3 Inward collection received (relating to FC
REMITTANCES a) Flat US$ 5/- per item upto value of US $ 1000 or its
Account) from abroad or local banks/ equivalent.
b) 0.25% per item for value of over US $ 1000 or its
branches and where the payment is equivalent, Minimum US$ 10/-, Maximum US $ 100. 52320
demanded in Foreign Currency. Plus Additional Charges @ 0.25%, Minimum US $ 5 (or equivalent currency) to be
recovered where remittance is effected within 15 days of cash deposits.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
4 Inward cheques received from local 0.15% Min. Commission Rs.400/-
branches, upcountry branches or local banks Plus applicable Dispatch / Communication Charges as per tariff in Section I.
for payment in Pak Rupees. (Convert the 52338
relevant Foreign Currency at the T.T.Buying
Rate).
5 Inter Branch Online FC Transactions
(a) Online FCY Cash Withdrawal a) Within City - No Charge
(Allowed from Authorized Branches only) b) Inter City Charges (Per transaction)
US $ = 05
Note: GBP = 03 52028
Charge Amount Plus FED should be a Round EURO = 04
Amount as Charges are to be recovered from Walk JPY = 400
in Customer in Cash.
(b) Online FCY Cash Deposit a) Within City - No Charge
(Allowed from Authorized Branches only) b) Inter City Charges (Per transaction)
US $ = 05
GBP = 03
52029
EURO = 04
JPY = 400
(c) Online FCY Account to Account Transfer a) Within City - No Charge
(Allowed from and to Authorized Branches only) b) Inter City Charges (Per transaction)
US $ = 03
GBP = 02 52030
EURO = 02
JPY = 300
6 Standing Instructions Fee in Foreign US$ 5 per transaction or its equivalent in other currencies
Currency Accounts. Plus correspondent Bank Charges. (Permissible to new - FC Account & Incremental
deposits). 52017
Plus all charges for transaction executed under these Standing Instructions as per
applicable rates of that relevant transaction.
7 Collection for Foreign Currency Account
(a) For US $ denominated instrument drawn outside i) US $ 5/- for collection upto USD1000/-
United States & Instruments in other currencies ii) US $ 15/- for collection of above USD 1000/- (or equivalent currency)
like GBP, EUR, JPY etc.) All correspondent banks charges to be recovered at actual. 52751
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
(b) Collection for foreign currency A/c (collection of i) USD 5/- for collection upto USD 499/- (under Cash Letter)
USD denominated instruments drawn in United ii) USD 20/- for collection of USD 500/- & above
States) (under Secured Collection). 52752
All correspondent banks charges to be recovered at actual.
Plus applicable Dispatch / Communication Charges as per tariff in Section I.
8 Collection of FEBCs, FCBCs, DBCs and 0.20% Minimum Rs. 200/- Maximum Rs.500/- per collection.
profit coupons from SBP/NBP etc. Plus applicable Dispatch / Communication Charges as per tariff in Section I. 52753

9 Issuance of Proceeds Realization Certificate Rs.600/- (Flat)

52756
beyond one year.
10 Issuance of duplicate Proceeds Realization Rs.300/- within one year.
Rs.600/- if beyond one year. 52754
Certificate
11 Circulation of loss of E-Form Rs.1,000/-
52757
(Recoverable from Bank's own customer)
12 Test/signature verification charges to be Rs.500/- per instance
received from other Bank's (Foreign 52758
Remittances)
13 Purchase of travelers' cheques/drafts etc. Rs.100/- (Flat) per transaction. 52759
14 Issuance of Business performance Rs.1,000/- (Flat).
Certificate at Customer's request. 52760

Page 20 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

PL Category
Sr. No. Description Allied Rate of Charges
(T24)
Notes:
REMITTANCES
1) The entire Schedule of Charges may be negotiated /discounted in % age terms for any customer / borrower
with permission of Chief CRBG/CIBG based on existing/ prospective relationship, except as specifically
mentioned hereunder:

a) Section I of schedule of charges.

b) Charges of Correspondent Banks at Actual.
c) Any clause where charges are to be negotiated or any
waiver has been specifically mentioned therein.
d) Section DL of schedule of charges.

2) The Charges under note 1(a),(b), (c) or (d) above can only be discounted or waived by the CEO duly recommended by
respective Chief CRBG/CIBG.

3) Where negotiable rate / charge is jointly approved by Chief CIBG/CRBG along with Chief RMG as mentioned in SOC,
based on business commitment, any further change in such approved rates will also be approved jointly by Chief
CIBG/CRBG along with Chief RMG.

4) The rates of charges for any customer / borrower will not exceed the rates given in Schedule of Charges.

5) This will supersede all previous instructions, Circulars and Schedule of charges.

6) Rawalpindi and Islamabad are treated as one city for the purpose of Schedule of Charges.

Page 21 of 21
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

FEE EXEMPTION GRID

ALLIED
PRODUCT NAME BUSINESS CURRENT ACCOUNT
ACCOUNT
Eligibility Requirement Minimum Balance Average Balance of the Month
requirement. Rs. 25,000/-
Rs.250,000 to less Rs.500,000 to less than Rs.750,000/- and
MTD of previous month
than Rs.500,000 Rs.750,000 above

Online Cash Deposit FREE 2 FREE

4 FREE TRANSACTION PER
TRANSACTION PER FREE UNLIMITED
MONTH
MONTH
Online Cash Withdrawal FREE 2 FREE
4 FREE TRANSACTION PER
TRANSACTION PER FREE UNLIMITED
MONTH
MONTH
Online A/C to A/C Transfer FREE 4 FREE
8 FREE TRANSACTION PER
TRANSACTION PER FREE UNLIMITED
MONTH
MONTH
Cheque / Instrument deposit for clearing / FREE 2 FREE
4 FREE TRANSACTION PER
collection by Remote Branch TRANSACTION PER FREE UNLIMITED
MONTH
MONTH
Issuance of Demand Drafts / Allied Banker FREE
Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch) 3 FREE PER MONTH 6 FREE PER MONTH FREE UNLIMITED
Call Deposit Receipt
Cancellation of Demand Drafts / Allied Banker FREE
Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch) 1 FREE PER MONTH 2 FREE PER MONTH FREE UNLIMITED
Call Deposit Receipt
Duplicate Issuance of Demand Drafts / Allied FREE
Banker Cheque (Payable at any branch) / Pay
Order / Allied Banker Cheque (Payable at Issuing 1 FREE PER MONTH 2 FREE PER MONTH FREE UNLIMITED
branch) Call Deposit Receipt

Intercity Clearing / OBC No Charges As per SOC

Account Maintenance
Charges (Service Charges) As per SOC As per SOC

Issuance of Cheque Book

FIRST FREE OF 10 Leaves FIRST FREE OF 10 Leaves

Eligibility All business accounts

(Individuals /Firms/ All Individuals / Firms/ Companies
Companies)
Other No Registeration Charges Free facilities to remain available in following one month based on eligibility
on myABL Business criteria (average balance) which will be reassessed on each month end on the
Internet Banking for Allied basis of Average Balance in the Account.
Business Accounts

VDC As per SOC As per SOC

Fee For Additional Benefits

where minimum monthly average
balance falls below the metnioned Limits N/A N/A

Page 1 of 3
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

FEE EXEMPTION GRID

ALLIED
ALLIED
PRODUCT NAME REGULAR SAVING ACCOUNT EXPRESS
RISING STAR
ACCOUNT
Eligibility Requirement Average Balance of the Month No Minimum No Minimum Balance
Rs. 1,000,000 to less Rs. 2,500,000 to less Rs. 5,000,000 and Balance requirement.
than Rs. 2,500,000 than Rs. 5,000,000 above. requirement.

Online Cash Deposit 2 FREE 4 FREE TRANSACTION FREE UNLIMITED As per SOC As per SOC
TRANSACTION PER PER MONTH
MONTH
Online Cash Withdrawal 2 FREE 4 FREE TRANSACTION FREE UNLIMITED As per SOC As per SOC
TRANSACTION PER PER MONTH
MONTH
Online A/C to A/C Transfer 4 FREE 8 FREE TRANSACTION FREE UNLIMITED As per SOC As per SOC
TRANSACTION PER PER MONTH
MONTH
Cheque / Instrument deposit for clearing / 2 FREE 4 FREE TRANSACTION FREE UNLIMITED As per SOC As per SOC
collection by Remote Branch TRANSACTION PER PER MONTH
MONTH
Issuance of Demand Drafts / Allied Banker 3 FREE PER MONTH 6 FREE PER MONTH FREE UNLIMITED As per SOC As per SOC
Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch)
Call Deposit Receipt
1 FREE PER MONTH
Cancellation of Demand Drafts / Allied Banker 2 FREE PER MONTH FREE UNLIMITED As per SOC As per SOC
Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch)
Call Deposit Receipt
1 FREE PER MONTH
Duplicate Issuance of Demand Drafts / Allied 2 FREE PER MONTH FREE UNLIMITED As per SOC As per SOC
Banker Cheque (Payable at any branch) / Pay
Order / Allied Banker Cheque (Payable at Issuing
branch) Call Deposit Receipt
As per SOC As per SOC As per SOC
Intercity Clearing / OBC
Account Maintenance As per SOC No Charges for Both No Charges
Charges (Service Charges) Principal and Linked
Account
Issuance of Cheque Book FIRST FREE OF 10 Leaves First Free Cheque First Free Cheque
book of 10 leaves book of 10 leaves
for Both Principal
and Linked Account

Eligibility All Individuals / Firms/ Companies Kids age (0-18) only All Individuals

Other Free facilities to remian available in following one month based on 1- Issuance of 1. Free ATM Card
ligibility criteria (average balance) which will be reassessed on each Duplicate issuance
month end on the basis of Average Balance in the Account. Relationship Card 2. Free Acess to
Rs. 50/- per request Internet
2- Issuance of Banking
Duplicate Certificate 3. Free 24/7
of 1 Bank Account telephone
Rs. 50/- per request Banking

VDC As per SOC As per SOC As per SOC

Fee For Additional Benefits

where minimum monthly average
balance falls below the metnioned Limits N/A N/A N/A

Page 2 of 3
 SCHEDULE OF CHARGES EFFECTIVE FROM JULY-DECEMBER 2020

FEE EXEMPTION GRID

ALLIED Allied Senior Citizen/Senior Citizen
PRODUCT NAME Allied Youth/Youth Asaan Account
Khanum Asaan Account Asaan Account
Eligibility Requirement No Minimum Balance Average Balance for free services Average Balance for free services
requirement.

Rs.10,000(18-25)
Rs.50,000(26-35) Rs.50,000

Online Cash Deposit As per SOC

2 FREE TRANSACTION PER MONTH 2 FREE TRANSACTION PER MONTH

Online Cash Withdrawal As per SOC

2 FREE TRANSACTION PER MONTH 2 FREE TRANSACTION PER MONTH

Online A/C to A/C Transfer As per SOC

2 FREE TRANSACTION PER MONTH 2 FREE TRANSACTION PER MONTH

Cheque / Instrument deposit for clearing / As per SOC

collection by Remote Branch As per SOC As per SOC

Issuance of Demand Drafts / Allied Banker As per SOC

Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch) As per SOC As per SOC
Call Deposit Receipt
Cancellation of Demand Drafts / Allied Banker As per SOC
Cheque (Payable at any branch) / Pay Order /
Allied Banker Cheque (Payable at Issuing branch) As per SOC As per SOC
Call Deposit Receipt
Duplicate Issuance of Demand Drafts / Allied As per SOC
Banker Cheque (Payable at any branch) / Pay
Order / Allied Banker Cheque (Payable at Issuing As per SOC As per SOC
branch) Call Deposit Receipt
As per SOC
Intercity Clearing / OBC As per SOC As per SOC

Account Maintenance
Charges (Service Charges) No Charges No Charges No Charges

Issuance of Cheque Book First Free Cheque book of

10 leaves
50 Leaves free
FIRST FREE OF 10 Leaves
(every year)

Eligibility Females only

Individuals(18-35) Individuals (55 or above)

Other 50% discount on 1st Year 1-Free Mobile App (Vouch 365) 1-Free Medical Health Card
Locker , Subject to availibility 2-Accidental Death & Disability Insurance 2-Free Accidental Death & Disability
Upto Rs 500,000/- Insurance Upto Rs 500,000/- Insurance
3 Free Hospitalization Coverage of Rs
6000/- per day

VDC As per SOC As per SOC In Regular Variant free for fisr year
In Asaan Account Variant charges as per
SOC
Fee For Additional Benefits Rs. 50/- p.m. (Inclusive of all Taxes) Rs. 140/- p.m. (exclusive of all taxes)
where minimum monthly average Below Minimum average balance of Below Minimum average balance iof month
balance falls below the metnioned Limits N/A month: is:
Rs. 10,000/- ( 18-25years ) Rs. 50,000/-
Rs. 50,000/- (26-35years )

Page 3 of 3