MINIMUM DISCLOSURE OF BANK FEES AND CHARGES 2022

ITEM/TRANSACTION FREQUENCY TZS USD/EUR GBP TZS < 100,000 4,920

TZS 100,001 -
CURRENT ACCOUNTS 5,700
500,000
1: Required minimum opening TZS 500,001 -
balance 6,200
1,000,000 1.2% min 5.9 1.2% min 5.9
Corporate Customers Per Account 100,000 100 100 “Savings accounts TZS 1,000,001 -
8,100
SMEs Per Account 100,000 100 100 **except those exempted from 5,000,000
charges.” TZS 5,000,001 -
Personal Customers Per Account 100,000 100 100 11,500
10,000,000
Financial Institutions (Banks) Per Account 100,000 100 100 TZS 10,000,001 -
17,500
15,000,000
Bidii Per Account 50,000 n/a n/a
TZS 15,000,001 -
2: Monthly service fee 24,500
25,000,000 1.2% min 5.9 1.2% min 5.9
Corporate Customers Per Month 20,000 14.16 9.44
> TZS 25,000,000 0.12% Max 177k
SMEs Per Month 15,340 14.16 9.44
TZS USD GBP
Personal Customers Per Month 15,340 14.16 9.44 CASH WITHDRAWAL FROM ATM
Band Rate
Financial Institutions (Banks) Per Month 23,6000 14.16 9.44
Bidii Per Month 3,540 n/a n/a 5,000 - 100,000 1,300
3: Account Closure Equivalent n/a
CRDB Bank ATMs 100,001 - 200,000 1,500
Current Account Per Account 23,600 24 12
4: Cheque Book 200,001 - 600,000 1,700
Per leaf (Stamp Other local bank's ATM 3,540 n/a n/a
Cheque Book order 500 0.35 0.35
Duty inclusive).
1.2% of the amount 1.2%of the 1.2% of the Other bank'sATM outside the
8,850 + 1% Equivalent Equivalent
Stop Payment Order Per cheque min.59,000 max. amount min amount min country
354,000 35.4 max. 354 17.7 max. 177 ELECTRONIC BANKING
Stop /unblock cheque leaf Per leaf 23,600 max 47,200 Equivalent Equivalent 1: Internet Banking
Encashment of third party cheque Balance Inquiry Per Inquiry Free Free Free
Per cheque Free Free Free
without checklist Funds Transfer ( Within CRDB ) Per Transaction Free Free Free
1.2% of the amount Statement Per Statement Free Free Free
Unpaid cheque for reason “Refer to
Per cheque min. 177,000 max. 118 118 Bills Payment Per Transaction 590 0.3 0.3
Drawer or Effect not Cleared”
354,000
2: SimBanking
5: Standing Order
Within CRDB Bank Per transaction Free Free Free App Free n/a n/a
Balance Inquiry
to other Bank Per transaction 17,700 17.7 11.8 USSD 350 n/a n/a
6: Balance Inquiry Transfer Own account Per Transaction Free n/a n/a
Over the counter (OTC) Per enquiry 2,000 Free Free Funds Transfer (within CRDB) Per Transaction Free n/a n/a
At our ATMs -Customers Per enquiry 354 0.18 n/a Mini Statement (USSD) Per Statement 295 n/a n/a
At our ATMs -Other local banks' Top Up Per Transaction Free n/a n/a
Per enquiry 944 0.47 n/a Bills Payment Per Transaction Free n/a n/a
customers
7: Card Issuance 3: Transfer to MNO’s
TemboCard Fahari Per Card 5,900 Equivalent n/a 0 - 9,999 Per Transaction 100 n/a n/a
MasterCard/Visa Electron Per Card 5,900 Equivalent n/a 10,000 - 19,999 Per Transaction 2,000 n/a n/a
TemboCard Visa Gold Per Card 5,900 Equivalent n/a 20,000 - 29,999 Per Transaction 2,430 n/a n/a
TemboCard Visa/Mastercard 30,000 - 49,999 Per Transaction 3,600 n/a n/a
Per Card Free Free n/a
Platinum
50,000 - 99,999 Per Transaction 4,770 n/a n/a
TemboCard Visa Infinity/Mastercard
Per Card Free Free n/a 100,000 – 199,999 Per Transaction 6,390 n/a n/a
World
200,000 – 299,999 Per Transaction 6,750 n/a n/a
8: Renewal of Cards/Expiry
300,000 – 399,999 Per Transaction 7,425 n/a n/a
TemboCard Fahari Per Card 5,900 2.95 n/a
400,000 – 499,999 Per Transaction 8,100 n/a n/a
MasterCard/Visa Electron Per Card 11,799 5.9 n/a
500,000 – 699,999 Per Transaction 8,550 n/a n/a
TemboCard Visa Gold Per Card 11,800 5.9 n/a
700,000 – 799,999 Per Transaction 9,000 n/a n/a
TemboCard Visa/Mastercard
Per Card 23,600 11.8 n/a 800,000 – 999,999 Per Transaction 9,450 n/a n/a
Platinum
1,000,000 – 2,000,000 Per Transaction 10,800 n/a n/a
TemboCard Visa Infinity/Mastercard
Per Card Free Free n/a TISS TRANSFER
World
SAVINGS ACCOUNTS Outward transfers Per Transaction 11800 USD Equiv USD Equiv
1: Required minimum opening Inward transfers Per Transaction Free Free Free
balance LOANS
Normal Savings Account Per Account 20,000 100 100 1: Facility Fee
Salary Account Per Account 20,000 n/a n/a
Busara Account Per Account 20,000 n/a n/a 2.00% on whole 2.00% on 2.00% on
Personal loan - First application Per Loan
amount whole amount whole amount
Scholar Account Per Account 5,000 n/a n/a
Junior Jumbo Per Account 20,000 20 20 2.00% on whole 2.00% on 2.00% on
Personal loan - Refinancing Per Loan
Malkia Per Account 5,000 Equivalent Equivalent amount whole amount whole amount

Thamani Per Account 1,000,000 n/a n/a SME, MSE and Agri Loans loans - 1.77% On whole 1.77% On 1.77% On
Per Loan
First application amount whole amount whole amount
Dhahabu Per Account 100,000 n/a n/a
Corporate
Tanzanite Per Account 100,000 100 100
2: Monthly service fee (a): Cash Secured Per Loan 0.50% Free Free
Normal Savings Account Per Month 2,000 2.95 2.95 (b): Secured by other legal
mortgage
Salary Account Per Month 1,770 2.95 2.95
Busara Account Per Month Free n/a n/a New Per Loan 1.77% 1.77% 1.77%
Scholar Account Per Month Free Free Free Renewal Per Loan 1.48% 1.48% 1.48%
Junior Jumbo Per Month Free Free Free
Malkia Per Month Free Free Free Restructuring Per Loan 0.59% 0.59% 0.59%
Thamani Per Month Free n/a n/a Enhancing Per Loan 1.48% 1.48% 1.48%
Dhahabu Per Month Free n/a n/a 1.0% min 100
Tanzanite Per Month 1770 2.95 2.95 1.0% min 100,000 USD
Jijenge Per Loan n/a
max 1,000,000 max 1,000
3: Account Closure
USD
Savings Account Per Account 5,900 6 4
2: Unpaid Loan Instalment
STATEMENT OF ACCOUNT
E-statement monthly Per Month Free Free Free Excess over limit and unpaid loan
4% 4% 4%
instalments penalty
Periodic schedule statement Per Month Free Free Free
DEPOSIT RATES
Mini statement Over the Counter Per Statement 2,360 1.18 1.18
Deposits upto TZS 1 Billion
Adhoc Statement - All Accounts Per Statement 1,999 0.9 0.9
ATM Statement Per Statement 350 Free Free 3 Months 1.5% - 3.5%
CASH WITHDRAW OVER THE COUNTER 6 Months 2% - 4%
TZS USD GBP
9 Months 2.5% - 4.5%
Band Rate
12 Months 3% - 5%
TZS < 100,000 7,000
24 Months 4% - 5%
TZS 100,001 -
7,500
500,000 36 Months ( Thamani ) 5%
TZS 500,001 -
8,000 LENDING RATES
1,000,000
TZS 1,000,001 - Prime lending rate ( Declining ) 14.43%
10,000
Current Account 5,000,000 1.2%min 59 1.2%min 59
TZS 5,000,001 -
15,500
10,000,000
TZS 10,000,001 -
20,000
15,000,000
TZS 15,000,001 -
28,000 TRANSACTION/ DETAILS RATE (USD)
25,000,000
> TZS 25,000,000 0.12% Max 177k SERVICE
"Per transaction
"1.2% min 5.9 "1.2% min 5.9 BEN/SHA/OUR (Excluding Oversease Charges) USD 55 Flat
Bidii Account for amount up to 4,720
max 150" max 150"
20mn." Foreign Funds Transfers
Estimated Oversease Bank Charges USD 30