Terms and Tariffs

1. 
   

   Interest Rates for Non-Export Term Loans

Business Sector	Tenure of the loan ≤12 months
	C	CE	B&O	M
Agriculture	10.00%	13.75%	15.25%	15.75%
Building Construction & Real Estate	10.00%	16.00%	17.50%	18.00%
Construction Machinery Rental Services	10.00%	16.25%	17.75%	18.25%
Domestic Trade and Services	10.00%	15.50%	17.00%	17.50%
Education and Health Facilities	10.00%	12.75%	14.25%	14.75%
Hotels and Tourism	10.00%	14.75%	16.25%	16.75%
Import	10.00%	16.00%	17.50%	18.00%
Loans to Microfinance and SACCOS	10.00%	10.00%	10.50%	11.00%
Loans to Financial Institutions other than Banks*	10.00%	12.00%	13.50%	14.25%
Loan to Primary Cooperatives and Unions	9.00%	9.50%	12.00%	13.00%
Manufacturing	10.00%	14.50%	16.00%	16.75%
Transport Service Loans	10.00%	16.00%	17.50%	18.25%
Mining	10.00%	14.00%	16.00%	16.75%
Term Loans repaid in FCY	8.00%	10.75%	10.75%	11.00%
Additional Interest Rate Based on Tenure of the Loan
Loan Tenure	Additional Interest Rate
12 < M ≤ 24	0.50%
24 < M ≤ 36	1.00%
36 < M ≤ 60	1.50%
60 < M ≤ 96	2.00%
M > 96	3.00%

 

2. 
   

   Interest Rates for Non-Export Overdraft Facilities

Business Sector	Collateral Type
	C	CE	B&O	M
Agriculture	10.25%	14.00%	15.50%	16.00%
Building Construction & Real Estate	10.25%	17.00%	18.50%	18.75%
Construction Machinery Rental Services	10.25%	17.25%	18.75%	19.00%
Domestic Trade and Service	10.25%	16.50%	18.00%	18.25%
Educational and Health Facilities	10.25%	14.50%	16.00%	16.50%
Hotels and Tourism	10.25%	15.75%	17.25%	17.50%
Import	10.25%	16.50%	18.00%	18.50%
Loans to Microfinance and SACCOS	10.25%	13.25%	14.75%	15.50%
Loan to Financial Institutions other than banks	10.25%	14.00%	15.50%	16.50%
Loan to Primary Cooperatives and Cooperative Unions	9.50%	12.25%	13.75%	15.00%
Manufacturing	10.25%	15.50%	17.00%	17.50%
Mining	10.25%	15.50%	17.00%	17.50%
Transport Services	10.25%	16.50%	18.50%	18.75%

 

3. 
   

   Interest Rates for Export Term Loan

Particular	Tenure of ≤12 months
	Cash	CE	B&O	M
Export Term Loan [All Sectors]	8.00%	8.00%	8.00%	9.00%
Additional Interest Rate based on Tenure
Loan Tenure	Additional Interest Rate
12 < M ≤ 24	0.00%
24 < M ≤ 36	0.00%
36 < M ≤ 60	0.00%
60 < M ≤ 96	1.00%
M > 96	1.00%

4. 
   

   Interest Rates for Export Overdraft Facilities

Particular	Collateral Type
	C	CE	B&O	M
Export Overdraft Loans [All Sectors]	8.75%	9.00%	9.50%	10.00%

5. 
   

   Interest Rates for Export Merchandise Loans

Repayment Period	Approved Interest Rate
One-time facility for exportable goods for up to 90 days	15.50%
Revolving facility for exportable goods up to 180 days	15.75%
Revolving facility for exportable goods up to 365 days	16.50%

6. 
   

   Interest Rates for Temporary Revolving Facilities

Temporary Revolving Facilities	Interest Rates
Temporary Overdraft	20%
Overdrawal (on Current A/C or Overdraft)	21%

 

7. 
   

   Interest Rates for Export Pre- or Post-Shipment Facilities

Product Type	Tenure in Days [D]	For Cooperative Unions		For customers other than Unions		ECG of DBE
		S/C	LC	SC	LC
Export Pre- and Post-Shipment [All Sectors]	D ≤ 180	9.00%	9.00%	9.50%	9.50%	9.25%

8. 
   

   Interest Rates for Gold Export Temporary Term Loan

Tenure in Days [D]	Interest Rate
D ≤ 180	10.00%

9. 
   

   Interest Rates for Advance Against Import Bill

Tenure in Days [D]	Interest Rate
D ≤ 90 days	20.00%
>90 days	20% + 3% default rate

 

10. Merchandise Loans

    • Interest Rate for Non-Export Merchandise Loans

Repayment Period in Days [D]	Interest Rate	Advance
Repayable within 90D	17.00%	Maximum of 75%
Repayable between 90 and 180D	17.25%
Repayable over 180D including revolving Merchandise	17.50%
Merchandise in transit for 90D	17.75%
Merchandise in transit b/n 90 and 180 days	18.00%
Merchandise in transit over 180D including revolving Merchandise	18.50%

• Interest Rate for Non-Export Merchandise Loan against ECX Warehouse Receipt

Tenure in Days [D]	Interest Rate	Advance
< 30 Days	15.00%	Maximum of 75%
30<D≤60	15.50%
60<D≤120	16.00%
120<D≤ 365	16.50%

• Interest Rate for Export Merchandise Loan against ECX Warehouse Receipt

Tenure in Days [D]	Interest Rate	Advance
< 30D	11.00%	Maximum of 75%
30<D≤60	12.50%
60<D≤120	13.50%
120<D≤ 365	15.00%

 

11. 
    

    Consumer Loan for Employed and Self-Employed Individuals

    • Interest Rate for Self-employed and Employed individuals [Existing Loan Contracts]

Purpose of the Loan		Approved Interest Rate	Tenure in Years [Y]	Saving Period in months [M]	Equity Cont. [C]
Purchase, construction, and renovation* residential unit/apartment		Saving IR + 10.00%	≤ 20 Y	≥ 6 M	C ≥ 25
Purchase of personal automobile	New	Saving IR +10.00%	≤ 7 Y	≥ 6 M	C ≥ 25
	Used		≤ 5 Y	≥ 6 M	C ≥ 30
Purchase of other personal household items		Saving IR +10.00%	≤ 5 Y	≥ 6 M	N/A

• Interest Rate for Employed and Self-Employed Individual [applicable for new loan requests]

Purpose of the Loan		Approved Interest Rate	Tenure in Years [Y]	Saving Period in months [M]	Equity Cont. [C]
Purchase, construction, and renovation* residential unit/apartment		Saving IR + 5%	≤ 15 Y	≥ 12 M	C ≥ 70
Purchase of personal automobile	New	Saving IR +5%	≤ 6 Y	≥ 12 M	C ≥ 60
	Used		≤ 5 Y	≥ 12 M	C ≥ 70
Purchase of other personal household items		Saving IR +10%	≤ 5 Y	≥ 6 M	N/A

 

12. 
    

    Consumer Loans Extended to Employees of Good Depositors, Members of Associations and Consumer Unions

    • Interest rate for Employees of Good Depositors, Members of Associations and Consumer Unions [Current Account]

Purpose of the Loan		Annual Deposit [D] in Millions of ETB [Current Account]					Equity Cont. [C]	Tenure
		D ≤ 50	50<D≤250	250<D≤500	500<D≤1 ,000	> 1,000
Minimum Average EOD Deposit for 365 days		35 M	200 M	375 M	750 M	1 Bill.
Purchase, construction or renovation of residential house		Saving IR + 1.00%	Saving IR + 0.75%	Saving IR + 0.50%	Saving IR+ 0.25%	Saving IR + 1.00%	≥ 20%	≤20 Years
Purchase of personal automobile	New	Saving IR + 2.00%	Saving IR + 1.75%	Saving IR + 1.50%	Saving IR + 1.25%	Saving IR + 0%	≥ 20%	≤8 Years
	Used	Saving IR + 2.00%	Saving IR + 1.75%	Saving IR + 1.50%	Saving IR + 1.25%	Saving IR + 0%	≥ 30%	≤6 Years
Purchase of other personal household items		Saving IR + 2.00%	Saving IR + 1.75%	Saving IR + 1.5%	Saving IR + 1.25%	Saving IR + 0%	N/A	≤5 Years

• Interest rate for Employees of Good Depositors, Members of Associations and Consumer Unions [Saving Account]

Purpose of the Loan		Annual Deposit [D] in Millions of ETB [Saving Account]					Equity Cont. [C]	Tenure
		D ≤ 50	50<D≤250	250<D≤500	500<D≤1,000	> 1,000
Minimum Average EOD Deposit for 365 days		35 M	200 M	375 M	750 M	1 Bill.
Purchase, construction or renovation of residential mortgage		Saving IR + 8.00%	Saving IR + 7.75%	Saving IR + 7.25%	Saving IR + 7.00%	Saving IR + 5.75%	≥ 20%	≤20 Years
Purchase of personal automobile	New	Saving IR + 8.00%	Saving IR + 7.75%	Saving IR + 7.25%	Saving IR + 7.00%	Saving IR + 6.75%	≥ 20%	≤8 Years
	Used	Saving IR + 8.00%	Saving IR + 7.75%	Saving IR + 7.25%	Saving IR + 7.00%	Saving IR + 6.75%	≥ 30%	≤6 Years
Purchase of other personal household items		Saving IR + 8.00%	Saving IR + 7.75%	Saving IR + 7.25%	Saving IR + 7.00%	Saving IR + 6.75%	N/A	≤5 Years

 

13. 
    

    Consumer Loans Provided to Employees of NGOs, Embassies, Exporters and Other FCY Generating Companies

Purpose of the Loan		Equity Contribution & Repayment in LCY
		Interest Rate	Tenure	Equity Contribution [C]
Purchase, construction, and renovation of residential unit/ apartment		Saving IR + 0.00%	≤ 20 Years	C ≥ 5%
Purchase of personal automobile	New	Saving IR + 0.00%	≤ 12 years	C ≥ 5%
	Used	Saving IR + 0.00%	≤ 8 years	C ≥ 10%
Purchase of other personal household items		Saving IR + 0.00%	≤ 5  years	NA

14. Consumer Loan for Diaspora, Government Employees with Diplomatic Status

Equity Contribution [C]	Scenario I: Equity & Repayment in FCY	Scenario II: Equity in FCY and Repayment in LCY	Tenure of the loan
30%<C≤ 50%	Saving IR + 0.00%	Saving IR + 1.00%	§ ≤20 years for purchase, construction, renovation of residential unit/ apartment § ≤ 12 years for new car § ≤ 8 years for used car § ≤ 5 years for personal loan
50%<C≤ 70%	Saving IR + 0.00%	Saving IR + 0.50%
C >70%	Saving IR + 0.00%	Saving IR + 0.00%

15. 
    

    Consumer Loans for Int’l Remittance Senders, Receivers, and Sellers of FCY in Cash

Equity Contribution [C]	Scenario I: Equity & Repayment in FCY	Scenario II: Equity in FCY and Repayment in LCY	Loan Tenure
C=30%	Saving IR + 3.00%	Saving IR + 5.00%	§ ≤20 years for purchase, construction, and renovation of residential unit/apartment § ≤8 years for a new car § ≤ 6 years for a used car § ≤ 5 years for a personal loan
30% <C ≤ 50%	Saving IR + 2.00%	Saving IR + 4.00%
50% <C ≤ 70%	Saving IR + 1.50%	Saving IR + 3.50%
C >70%	Saving IR + 1.00%	Saving IR + 3.00%

16. 
    

    Consumer Loans for Employed or Self-Employed FCY Earning Individuals [FCY Saving Account Holders]

Equity Contribution and Repayment in FCY
Purpose of Loan		Interest Rate	Tenure of the Loan	Equity Contribution [FCY]
Purchase, construction, and renovation of residential unit/ apartment		Saving IR + 0.00%	≤ 25 years	0%
Purchase of personal automobile	New	Saving IR + 0.00%	≤ 12 years	≥ 5.00%
	Used		≤  8 years
Purchase of other personal household items		Saving IR + 0.00%	≤ 7 years	0%

 

Local fund transfer [Within the Bank]

Service Category	Conditions	Ranges		Approved Fees
Fund Transfer within Dashen Bank (Account to account )	To own account	Any		Free
	To other Customer Account	Up to ETB  5,000		Free
		ETB  5,001 up to 25,000		ETB 10
		ETB 25,001 to ETB 500,000		ETB 15
		above 500,001		ETB 50
	Transfer for loan repayment [only if transfer is made to loan takedown account]	Any		Free
Cash Withdrawal at the Branch [within the NBE’s withdrawal limit]	For account holders	Any		Free
Local Money Transfer Service [LMTS]	Account to  account	Up to ETB 2,000		Free
		Above ETB 2,000		Free
	Account to walk-in customers (cash) or	Up to ETB 2,000		Commission ETB 5 per 1000; plus Telex Etb 25
	Walk-in customers (cash) to Walk-in Customers (cash)	Above ETB 2,000		Commission ETB 5 per 1000; plus Telex Etb 25
	Walk-in customers (cash) to Account	Up to ETB 2,000		Services disallowed
		Above 2000
Re-transfer & cancellation of Local Money Transfer Service [LMTS] on customer’s request	For account holder (From account)	For any amount		ETB 50

 

Local fund transfer [Other Bank Fund transfer]

Outgoing Real Time Gross Settlement Service [RTGS], Special Cheque, CPO Clearance		Service charge		ETB 120
Bank-to-Bank Transfer [Outgoing]		Service charge		ETB 50
Incoming Special Cheque Clearing				ETB 75

 

CPO

Issuance of CPO	For account holder	Up to ETB 250,000		ETB 150
		Above ETB 250,000		ETB 300
	Walk-in Customer	Up to ETB 250,000		ETB 500
		Above ETB 250,000		ETB 1000
Loss and Replacement of CPO	For account holder			ETB 200
	Walk-in Customer			ETB 400
CPO Cancellation/Amendment	For account holder			ETB 150
	Walk-in Customer			ETB 300
Loss and Refunding of CPO	For account holder			ETB 200
	For non-account holder			ETB 400
CPO presented for payment outside of its issuing branch office				ETB 200

 

Passbook Issuance

Passbook issuance upon opening				Free
Replacement Lost Passbook /Damaged passbook				ETB 50
Replacement of fully utilized passbook				Free

 

Cheque Book

Cost of Cheque Book	10 leaves			ETB 50
	25 leaves			ETB  80
	50 leaves			ETB 200
	100 leaves			ETB 300

 

Incidental Fees

Account Closure before 6 month of opening				ETB 50
Account information request /block or freeze/ accounts as per court order				ETB 100
				[Free if requested by pertinent government authority]
Balance confirmation	Local			ETB 100 plus courier cost if any
	Abroad			ETB 250 plus courier cost if any
Cheque returned unpaid				ETB 100 Plus Warning Letter
due to insufficient fund				Warning Letter for 1st instance, Block all outgoing transfers until all dishonored Cheque settled
				3.00% of the dishonored amount up to ETB 25,000 for 2nd instance
				Second warning Letter, Block all outgoing transfers until all dishonored Cheque settled
				5.00% of the dishonored amount up to ETB 50,000 for 3rd instances
				Block all outgoing transfers until and close all Cheque accounts
Special Cheque returned unpaid				ETB 50
Stop Payment Order [Current Account]				ETB 200 per order/leaf
Duplicate advice requests and other documents		Less than 12 months statement		ETB 25
Duplicate advice requests and other documents		More than 12 months statement		ETB 50
Duplicate statement request				ETB 25
Standing instruction to Account within Dashen Bank				ETB 50
Standing instruction to another bank’s account				ETB 50 plus RTGS Fee
Change of signature / Signatories				ETB 50
Daily cash withdrawal permit above the limit set by NBE				ETB 500
Balance confirmation for external auditor				ETB 250 plus courier cost, if any
Photocopy charge				ETB 5 per page

 

Sundries Services

Bulk Salary Payment				A fee of ETB 3 per salary account per transaction applies, except for bulk salary (pension) payments from the Federal Public Servants Social Security Agency (PSSSA) to pension account holders, which are exempt from bulk salary payment fees.
Special cash collection/payment service				ETB 300 per destination within 10 km radius of home branch plus ETB 100 per each additional 5km
prominent customers(door to door service) within the same city/town
Authentication fee at documents authentication and Registration office and courts registration office and courts			Online	ETB 50
			In Person	ETB 200 plus third-party fee
Traffic penalty payment			For Account Holders	ETB 10
			Walk in customer	ETB 15

Types of Service		Charges
Payment card Joining fee	Local Payment Cards [Visa, Amex-Green, Dashen Branded, An-Nisa & Sahrik]	ETB 10 ETB 25 for An-nisa and Sharik
	Amex Gold	ETB 15
	Master Card International Prepaid Card	ETB 500
	Virtual Master Card International Prepaid Card	NA
	Amex International debit Card	ETB 500
Payment card replacement fee (lost, damaged, expired)	Local Payment Cards [Visa, Amex-Green, Dashen Branded, An-Nisa & Sharik]	ETB 40
	Master Card International Prepaid Card	ETB 300
	Virtual Master Card International Prepaid Card	NA
	Amex International Card	ETB 300
Payment Card Annual Subscription Fee	Local Payment Cards [Visa, Amex-Green, Dashen Branded, An-Nisa & Sharik]	ETB 25 Has no charge for An-nisa and Sharik
	Amex Gold	ETB 100
	Master Card International Prepaid Card	NA
	Virtual Master Card International Prepaid Card	NA
	Amex International Card	NA
Additional account linking fee		ETB 25 as per Dashen Bank AMEX gold card member @ Terms and Conditions
Mini Statement on-us		NA
Transaction fee Withdrawal From ATM	Local Payment Cards [Visa, Amex-Green, Amex Gold, Dashen Branded, An-Nisa & Sharik]	0.25% per transaction
	Master Card International Prepaid	0.03 USD per transaction
	Amex International Card	USD 2 per transaction
Prepaid Card Top-up Fee	Local Prepaid Cards	Free
	MasterCard International	Free
Balance Inquiry		NA
Currency conversion for USD		Per transaction as per Dashen Bank Amex Gold card member terms and conditions

 

Mobile Banking Service Fees
Mobile Banking Service Types	Charges
PIN Replacement	Free
PIN Reissue Fee:	ETB 25.00 As per Dashen Bank American Express Gold card Membership @ terms and conditions
Linking with another account	ETB 10
Own Account Transfer	Free
Account-to-account fund transfer to another customer within Dashen Bank	Free
Full Statement (the customer can request the Date)	Free
Airtime recharge	Free
Utility payment	Free
Ethiopian Airlines Payment	0.05%
Fund transfer from account to own Amole wallet, telebirr, and m-pesa wallet account	Free
Fund transfer from account another person’s Amole Wallet, telebirr, and m-pesa wallet account	Free

 

EthSwitch Transactions [Digital Interbank Transactions]
Interbank Fund Transfer fees
S. No	Fee and Charge types	Fee basis	Fees/ Charges
1	Up to ETB 5,000	Per 100 ETB transaction	0.40%
2	From ETB 5,001 up to ETB  25,000		0.24%
3	From ETB 25,001 up to  ETB 100,000		0.16%
4	From ETB 100,001 up to 1000,000		0.08%
5	Above ETB 1,000,000		0.04%
Interbank ATM mini statement Request
S. No	Fee and Charge types	Existing Charges	Proposed Charges
1	On-Us/ Off-Us ATM Mini Statement	ETB 1.00 per transaction	ETB 1.00 per transaction
ATM & POS Cash Withdrawal Fees
S. No	Fee and Charge types	Existing Charges	Proposed Charges
1	On-Us/ Off-Us ATM POS Cash Advance		0.5 per 100 birr transaction

 

 

Credit Processing Service
Credit Processing Service	Rates	Applicability
Financial Credit Report [FCR]	C <5 million = ETB 2,000	Up on request for service
Credit information request [Consumer Loan]	C ≤ 100,000= ETB 50	Per request  at the time of retrieval
	100,000<C≤1,000,000= ETB 1,100
	C >1,000,000= ETB 2,100
Credit information request and estimation fees for motor vehicles	ETB 2,200 and 700 (for IFB), 2,100 and 1,000 (for conventional)
Credit information request [Business Loan]	C ≤ 100,000= ETB 200	Per request at the time of retrieval
	100,000<C≤1,000,000= ETB 1,300
	C >1,000,000= ETB 2,500
Consumer loan processing fee	ETB 1,000	At the time of application
Consumer Loan Appraisal Fee	1% of the approved loan minus consumer loan processing fee	At the time of loan approval
Business loan processing Fee [including revolving loans]	ETB 3,000	At the time of application for a loan
Business loan appraisal Fee [including revolving loans]	0.75% of the approved amount minus business loan processing and Feasibility study appraisal fee	At the time of loan approval
Acceptable supplier valuation	ETB 5,000	Per request at the time of request for  evaluation
Feasibility study appraisal	ETB 5,000	At the time of request
Advance Payment Administration Fee [Business and Consumer Loans]	7%	Customers may make advance payments of up to double the agreed-upon repayment amount without penalty. Should the customer exceed this limit, a 7% advance loan repayment penalty will be applied to the excess amount.
Early Settlement Administration Fee [Business and Consumer Loans]	7.00%	If the outstanding loan is settled with more than 6 months remaining until the loan maturity date, the total principal outstanding amount shall apply.
Collateral registration fee	ETB 1,000	Per the collateral registration certificate
Revolving Credit Line Renewal fee	C≤ 5,000,000 = 0.50%	Applicable on the renewal facility amount. For the renewal facility amount, should the revolving credit line be renewed at a higher amount, the increment will be subject to loan processing and appraisal fees, in addition to the credit line renewal fee.
	C > 5,000,000= 0.25%
Renewal of expired facilities	Revolving credit line renewal fee plus 0.03%	On the facility amount
Increase of Revolving facility limit	0.75%	On the increased facility limit at the time of approval.
Transfer of loan file to another branch at the request of customer	ETB 2,000	At the time of request
Unutilized OD facility	1.00% per annum	Charged on the monthly unutilized facility amount.
Unutilized merchandise credit line and pre & Post shipment facility commitment fee	1.00%	Charged on maturity on the unutilized facility amount
Loan renegotiation fee [other than waiver of repayment and grace period extension]	1.00%	On the outstanding amount upon approval
Waiver of repayment	2.00%
Grace period extension:
§  1st time	0.25%
§  2nd time and above	1.00%
Issuance of loan status update statement	ETB 3,000	Per request to be paid at the time of request
Change or release of Collateral	ETB 5,000	Per request, upon approval for change or release of collateral
Internal Loan Transfer	2.00%	On the transferred amount upon approval for loan transfer. The fee is borne by the person that relieved his/her/its debt, i.e., the one that sold the loan.
Reevaluation of existing collateral value	ETB 2,500	At the time of reevaluation [bank initiated reevaluation]
Allowing Registration of Collaterals on the Second Degree by other banks (per each collateral)	ETB 5,000	At the time of request
Merchandise pledge/release fee	ETB 3,000	At the time of request
Audit Confirmation fee	ETB 100	At the time of request
Defaulted Revolving facility [OD, Pre/Post shipment and Merchandize] and Guarantee Conversion to Term Loan	2% of converted guarantee, revolving facility, or advance amount	At the time of conversion
Extending the validity period of the Letter of Undertaking	ETB 3,000	At the time of request
Loan pre-approval fee	ETB 5,000	At the time of request
Insurance Policy Underwriting Process [If done by Dashen Bank	5% of the insurance premium, Min. ETB 500	At the time of handling the underwriting process
Cancelation/suspension of foreclosure decision	ETB 10,000	At the time of request approval
Stamp Duty Charge	1.00%	At the time of disbursement
Revenue Stamp Charge	ETB 5.00

 

 

Collateral Estimation Service	Proposed Rates
Residential Building	ETB 1,000 Plus  ETB 250 per additional floor
Commercial and Mixed Use Building	ETB 2,000 Plus  ETB 500 per additional floor
For Industrial Buildings	ETB 1,500/ 1000 m2 Plus  ETB 1,000 per additional 1000 m2
Commercial and Mixed Use Building under construction [Projects]	ETB 2,500 Plus  ETB 600 per additional floor
Motor vehicles: Three wheelers & Motorcycle	ETB 500 per/title deed
Motor vehicles: Four wheelers & automobiles	ETB 1,000 per/title deed
Fuel Tanks	ETB 1,500 per fuel tank
Coffee Hulling and Washing Station site	ETB 2,000/site Plus ETB 1,000/ 100KM
Coffee, tea, and other plantations	ETB 3000 per plantation
Flower Farm	ETB 2000 per greenhouse
Factory Plant	ETB 5,000 per plant
Collateral re-estimation appeal	ETB 2,000 per request
Factory Machine	ETB 500 per plant
Trucks, Construction and Farm Machinery and Equipment	ETB 700 /title deed

1         Profit Rates for Business Financing

1.1        Profit Rate for Non-Export Murabaha Business Financing

Sector	Payment Mode	Collateral	Murabaha Financing Tenure in Years
			1	2	3	4	5	6	7	8	9	10
1. Agriculture	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	9.00	17.00	26.50	36.50	47.00	59.00	71.00	82.50	96.00	112.50
		B & O	10.00	19.00	29.00	40.00	51.50	65.00	78.50	91.00	106.00	124.00
		M	10.00	19.50	30.00	41.50	53.50	67.00	81.00	94.00	109.50	128.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	10.00	18.00	27.50	38.00	48.00	60.00	72.50	84.00	97.50	113.50
		B & O	11.00	20.00	30.50	41.50	53.00	66.50	79.50	92.50	107.50	125.00
		M	11.50	20.50	31.50	43.00	54.50	68.50	82.00	95.50	111.00	129.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	12.00	20.00	29.50	39.50	50.00	62.00	74.00	85.50	99.00	115.50
		B & O	13.00	22.00	32.50	43.50	55.00	68.50	81.50	94.50	109.50	127.00
		M	13.50	22.50	33.50	45.00	56.50	70.50	84.00	97.50	112.50	131.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	15.50	23.50	33.00	43.00	53.50	65.50	77.50	89.00	102.50	118.50
		B & O	17.00	25.50	36.50	47.50	59.00	72.50	85.50	98.00	113.00	130.50
		M	17.50	26.50	37.50	49.00	60.50	74.50	88.00	101.00	116.50	134.50
2. Building Construction & Real Estate	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	10.50	19.50	30.50	42.00	54.00	68.00	82.00	95.50	111.50	130.00
		B & O	11.00	21.50	33.00	46.00	59.00	74.50	89.50	104.50	121.50	142.00
		M	11.50	22.00	34.00	47.00	60.50	76.50	92.00	107.50	125.00	146.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	11.50	21.00	32.00	43.50	55.50	69.50	83.50	97.00	112.50	131.00
		B & O	12.50	23.00	34.50	47.50	60.50	75.50	91.00	106.00	123.00	143.00
		M	13.00	23.50	35.50	48.50	62.00	78.00	93.50	109.00	126.50	147.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	13.50	23.00	34.00	45.50	57.50	71.50	85.50	99.00	114.50	133.00
		B & O	15.00	25.00	37.00	49.50	63.00	78.00	93.00	108.00	125.00	145.00
		M	15.00	25.50	38.00	51.00	64.50	80.00	96.00	111.00	128.50	149.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	17.50	27.00	38.00	49.50	61.50	75.50	89.50	102.50	118.00	133.00
		B & O	19.00	29.00	41.50	54.00	67.00	82.00	97.50	112.00	129.00	145.00
		M	19.50	30.00	42.50	55.50	69.00	84.50	100.00	115.00	132.50	149.00
3. Construction Machinery Rental Services	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	10.50	20.00	31.00	42.50	55.00	69.00	83.50	97.00	113.00	132.00
		B & O	11.50	21.50	33.50	46.50	60.00	75.50	91.00	106.00	123.50	144.00
		M	11.50	22.00	34.50	48.00	61.50	77.50	93.50	109.00	127.00	148.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	12.00	21.00	32.50	44.00	56.50	70.50	84.50	98.50	114.50	133.00
		B & O	13.00	23.00	35.00	48.00	61.50	77.00	92.50	107.50	125.00	145.00
		M	13.00	23.50	36.00	49.50	63.00	79.00	95.00	110.50	128.50	149.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	14.00	23.00	34.50	46.00	58.50	72.50	87.00	100.50	116.00	135.00
		B & O	15.00	25.50	37.50	50.50	63.50	79.00	94.50	109.50	126.50	147.00
		M	15.50	26.00	38.50	51.50	65.50	81.00	97.00	112.50	130.50	151.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	18.00	27.50	38.50	50.50	62.50	76.50	91.00	104.00	120.00	138.50
		B & O	19.50	29.50	42.00	55.00	68.00	83.50	98.50	113.50	130.50	150.50
		M	20.00	30.50	43.00	56.00	70.00	85.50	101.50	116.50	134.00	155.00
4. Domestic Trade & Services	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	10.00	19.00	29.50	41.00	52.50	66.00	79.50	92.50	108.00	126.00
		B & O	11.00	20.50	32.50	44.50	57.50	72.00	87.00	101.50	118.00	138.00
		M	11.00	21.50	33.00	46.00	59.00	74.50	89.50	104.50	121.50	142.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	11.50	20.50	31.00	42.50	54.00	67.50	81.00	94.00	109.00	127.00
		B & O	12.50	22.00	33.50	46.00	59.00	73.50	88.50	103.00	119.50	139.00
		M	12.50	23.00	34.50	47.50	60.50	75.50	91.00	106.00	123.00	143.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	13.50	22.50	33.00	44.00	56.00	69.50	83.00	96.00	111.00	129.00
		B & O	14.50	24.50	36.00	48.50	61.00	76.00	90.50	105.00	121.50	141.00
		M	15.00	25.00	37.00	49.50	63.00	78.00	93.00	108.00	125.00	145.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	17.00	26.00	37.00	48.00	60.00	73.50	87.00	99.50	114.50	132.50
		B & O	18.50	28.50	40.00	52.50	65.50	80.00	94.50	109.00	125.00	144.50
		M	19.00	29.00	41.50	54.00	67.00	82.00	97.50	112.00	129.00	148.50
5. Education & Health Facilities	Monthly	C	7.00	13.00	20.00	27.50	35.00	44.50	53.50	62.00	78.50	92.00
		CE	8.50	16.00	24.50	34.00	43.50	55.00	66.50	77.00	96.00	112.50
		B & O	9.50	17.50	27.50	37.50	48.50	61.00	73.50	85.50	106.00	124.00
		M	9.50	18.00	28.00	39.00	50.00	63.00	76.00	88.50	109.50	128.00
	Quarterly	C	8.00	13.50	21.00	28.50	36.00	45.50	54.50	63.00	79.50	93.00
		CE	9.50	17.00	26.00	35.00	45.00	56.00	67.50	78.00	97.50	113.50
		B & O	10.50	19.00	28.50	39.00	49.50	62.00	75.00	86.50	107.50	125.00
		M	11.00	19.50	29.50	40.50	51.50	64.50	77.00	89.50	111.00	129.00
	Semi-annual	C	9.00	15.00	22.00	30.00	37.50	47.00	56.00	64.50	81.00	94.50
		CE	11.00	18.50	27.50	37.00	46.50	58.00	69.00	80.00	99.00	115.50
		B & O	12.50	20.50	30.50	41.00	51.50	64.00	76.50	88.50	109.50	127.00
		M	12.50	21.50	31.50	42.00	53.50	66.00	79.00	91.50	112.50	131.00
	Annual	C	11.50	17.50	25.00	32.50	40.50	50.00	59.00	67.00	84.00	97.50
		CE	14.50	22.00	31.00	40.50	50.00	61.50	72.50	83.00	102.50	118.50
		B & O	16.00	24.00	34.00	44.50	55.50	68.00	80.50	92.00	113.00	130.50
		M	16.50	25.00	35.00	46.00	57.00	70.00	83.00	95.00	116.50	134.50
6. Hotels & Tourism	Monthly	C	7.00	13.00	20.00	27.50	35.00	44.50	53.50	62.00	78.50	92.00
		CE	9.50	18.00	28.00	39.00	50.00	63.00	76.00	88.50	109.50	128.00
		B & O	10.50	20.00	31.00	42.50	55.00	69.00	83.50	97.00	120.00	140.00
		M	11.00	20.50	32.00	44.00	56.50	71.00	86.00	100.00	123.50	144.00
	Quarterly	C	8.00	13.50	21.00	28.50	36.00	45.50	54.50	63.00	79.50	93.00
		CE	11.00	19.50	29.50	40.50	51.50	64.50	77.00	89.50	111.00	129.00
		B & O	12.00	21.00	32.50	44.00	56.50	70.50	84.50	98.50	121.50	141.00
		M	12.00	22.00	33.50	45.50	58.00	72.50	87.50	101.50	125.00	145.00
	Semi-annual	C	9.00	15.00	22.00	30.00	37.50	47.00	56.00	64.50	81.00	94.50
		CE	12.50	21.50	31.50	42.00	53.50	66.00	79.00	91.50	112.50	131.00
		B & O	14.00	23.28	34.41	46.24	58.43	72.56	86.75	100.36	123.19	143.00
		M	14.00	24.00	35.50	47.50	60.00	74.50	89.50	103.50	126.50	147.00
	Annual	C	11.50	17.50	25.00	32.50	40.50	50.00	59.00	67.00	84.00	97.50
		CE	16.50	25.00	35.00	46.00	57.00	70.00	83.00	95.00	116.50	134.50
		B & O	18.00	27.50	38.50	50.50	62.50	76.50	91.00	104.00	127.00	146.50
		M	18.50	28.00	39.50	52.00	64.50	79.00	93.50	107.50	130.50	150.50
7. Import	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	10.50	19.50	30.50	42.00	54.00	68.00	82.00	95.50	111.50	130.00
		B & O	11.00	21.50	33.00	46.00	59.00	74.50	89.50	104.50	121.50	142.00
		M	11.50	22.00	34.00	47.00	60.50	76.50	92.00	107.50	125.00	146.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	11.50	21.00	32.00	43.50	55.50	69.50	83.50	97.00	112.50	131.00
		B & O	12.50	23.00	34.50	47.50	60.50	75.50	91.00	106.00	123.00	143.00
		M	13.00	23.50	35.50	48.50	62.00	78.00	93.50	109.00	126.50	147.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	13.50	23.00	34.00	45.50	57.50	71.50	85.50	99.00	114.50	133.00
		B & O	15.00	25.00	37.00	49.50	63.00	78.00	93.00	108.00	125.00	145.00
		M	15.00	25.50	38.00	51.00	64.50	80.00	96.00	111.00	128.50	149.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	17.50	27.00	38.00	49.50	61.50	75.50	89.50	102.50	118.00	136.50
		B & O	19.00	29.00	41.50	54.00	67.00	82.00	97.50	112.00	128.80	148.50
		M	19.50	30.00	42.50	55.50	69.00	84.50	100.00	115.00	132.40	153.00
8. Manufacturing	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	9.50	18.00	28.00	38.50	49.50	62.00	74.50	87.00	101.00	118.00
		B & O	10.50	19.50	30.50	42.00	54.00	68.00	82.00	95.50	111.50	130.00
		M	11.00	20.50	32.00	44.00	56.50	71.00	86.00	100.00	116.50	136.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	10.50	19.00	29.00	39.50	50.50	63.50	76.00	88.00	102.50	119.50
		B & O	11.50	21.00	32.00	43.50	55.50	69.50	83.50	97.00	112.50	131.00
		M	12.00	22.00	33.50	45.50	58.00	72.50	87.50	101.50	118.00	137.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	12.50	21.00	31.00	41.50	52.50	65.00	78.00	90.00	104.00	121.00
		B & O	13.50	23.00	34.00	45.50	57.50	71.50	85.50	99.00	114.50	133.00
		M	14.00	24.00	35.50	47.50	60.00	74.50	89.50	103.50	119.50	139.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	16.00	24.50	34.50	45.50	56.00	69.00	81.50	93.50	107.50	124.50
		B & O	17.50	27.00	38.00	49.50	61.50	75.50	89.50	102.50	118.00	136.00
		M	18.50	28.00	39.50	52.00	64.50	79.00	93.50	107.50	123.50	142.50
9. Mining	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	9.50	18.00	28.00	38.50	49.50	62.00	74.50	87.00	101.00	118.00
		B & O	10.50	19.50	30.50	42.00	54.00	68.00	82.00	95.50	111.50	130.00
		M	11.00	20.50	32.00	44.00	56.50	71.00	86.00	100.00	116.50	136.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	84.00
		CE	10.50	19.00	29.00	39.50	50.50	63.50	76.00	88.00	102.50	119.50
		B & O	11.50	21.00	32.00	43.50	55.50	69.50	83.50	97.00	112.50	131.00
		M	12.00	22.00	33.50	45.50	58.00	72.50	87.50	101.50	118.00	137.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	12.50	21.00	31.00	41.50	52.50	65.00	78.00	90.00	104.00	121.00
		B & O	13.50	23.00	34.00	45.50	57.50	71.50	85.50	99.00	114.50	133.00
		M	14.00	24.00	35.50	47.50	60.00	74.50	89.50	103.50	119.50	139.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	16.00	24.50	34.50	45.50	56.00	69.00	81.50	93.50	107.50	124.50
		B & O	17.50	27.00	38.00	49.50	61.50	75.50	89.50	102.50	118.00	136.00
		M	18.50	28.00	39.50	52.00	64.50	79.00	93.50	107.50	123.50	142.50
10. Transport	Monthly	C	7.00	12.50	19.00	26.50	33.50	43.50	52.50	60.50	70.50	83.00
		CE	10.50	19.50	30.50	42.00	54.00	68.00	82.00	95.50	111.50	130.00
		B & O	11.00	21.50	33.00	46.00	59.00	74.50	89.50	104.50	121.50	142.00
		M	11.50	22.00	34.50	48.00	61.50	77.50	93.50	109.00	127.00	148.00
	Quarterly	C	8.00	13.50	20.00	27.50	34.50	44.50	53.50	61.50	71.50	83.00
		CE	11.50	21.00	32.00	43.50	55.50	69.50	83.50	97.00	112.50	131.00
		B & O	12.50	23.00	34.50	47.50	60.50	75.50	91.00	106.00	123.00	143.00
		M	13.00	23.50	36.00	49.50	63.00	79.00	95.00	110.50	128.50	149.00
	Semi-annual	C	9.00	14.50	21.50	28.50	36.00	46.00	55.00	63.00	73.00	85.50
		CE	13.50	23.00	34.00	45.50	57.50	71.50	85.50	99.00	114.50	133.00
		B & O	15.00	25.00	37.00	49.50	63.00	78.00	93.00	108.00	125.00	145.00
		M	15.50	26.00	38.50	51.50	65.50	81.00	97.00	112.50	130.50	151.00
	Annual	C	11.50	17.00	24.00	31.50	38.50	49.00	57.50	66.00	75.50	88.00
		CE	17.50	27.00	38.00	49.50	61.50	75.50	89.50	102.50	118.00	136.50
		B & O	19.00	29.00	41.50	54.00	67.00	82.00	97.50	112.00	129.00	148.50
		M	20.00	30.50	43.00	56.00	70.00	85.50	101.50	116.50	134.00	155.00
11.  Term Financing repaid in FCY	Monthly	C	6.00	10.50	16.50	23.00	29.50	37.00	44.50	51.50	66.00	77.50
		CE	7.50	13.50	21.50	29.50	37.50	47.50	57.00	66.00	83.00	97.50
		B & O	7.50	13.50	21.50	29.50	37.50	47.50	57.00	66.00	83.00	97.50
		M	7.50	14.00	21.50	30.00	38.50	48.50	58.00	67.50	85.00	99.50
	Quarterly	C	6.50	11.50	17.50	23.50	30.00	38.00	45.50	52.50	67.00	78.50
		CE	8.50	14.50	22.50	30.50	38.50	48.50	58.00	67.00	84.00	98.50
		B & O	8.50	14.50	22.00	30.50	38.50	48.50	58.00	67.00	84.50	98.50
		M	8.50	15.00	22.50	31.00	39.50	49.50	59.00	68.50	86.00	100.50
	Semi-annual	C	7.50	12.50	18.50	25.00	31.50	39.00	46.50	53.50	68.00	80.00
		CE	9.50	16.00	23.50	32.00	40.00	50.00	59.50	68.50	86.00	100.00
		B & O	9.50	16.00	23.50	32.00	40.00	50.00	59.50	68.50	86.00	100.00
		M	10.00	16.50	24.00	32.50	41.00	51.00	60.50	70.00	87.50	102.00
	Annual	C	9.50	14.50	20.50	27.00	33.50	41.50	49.00	56.00	71.00	82.50
		CE	12.50	18.50	26.50	35.00	43.00	53.00	89.50	102.50	89.00	136.50
		B & O	12.50	18.50	26.50	35.00	43.00	53.00	97.50	112.90	89.00	148.50
		M	12.50	19.00	27.00	35.50	44.00	54.00	100.00	115.00	90.50	153.00

 

1.2        Murabaha Profit Rate for Export Pre-Shipment Financing

Purpose Of Murabah Financing	Mark-up for Pre-shipment facility for Agricultural Export		Mark-up for Pre-shipment facility for Other Exports
Tenure of Financing [Days]	D≤180
i) Against Collateral	8.50		9.00
ii) Against ECG of DBE	8.50		9.00
iii) Clean Basis [Against SC & LC]	SC	LC	SC	LC
a)  For Cooperative Unions	9.00	8.50	NA	NA
b)  For Customers other than Unions	9.00	9.00	9.50	9.00
Murabaha Export Post-shipment Financing:		9.00

1.3        Profit Rate for Sharik Tijarah Working Capital Financing

Purpose of Sharik Tijarah Financing	Tenure of Financing [Days]	IFB Mark-up % [profit rate]
Working Capital Financing	≤180 Days	6.00%

 

2         Proposed Murabaha Profit Rate for Consumer Financing

2.1        Murbabaha Consumer Financing for Employed & Self-employed Individuals: Mortgage & Automobile Financing

Particulars	Financing Tenure in Years
	15	14	13	12	11	10	9	8	7	6	5	4	3	2	1
Saving Period	≥ 12 months
Equity Contribution[%]	C ≥ 70%
Total Mark-up % [profit rate]	119.00	110.00	101.00	92.00	83.50	75.00	67.00	59.00	51.50	44.00	36.50	29.50	22.50	16.00	9.50
Installment	Monthly

2.2        Murabaha Consumer Financing for Employed & Self-employed Individuals: Purchase of Household Items.

		Financing Tenure in Years
Particulars		5	4	3	2	1
Saving Period		≥ 6 months
Equity Contribution		NA
Total Mark-up % [profit rate]		52.50	41.00	30.50	20.00	11.00
Installment	Monthly

 

2.3        Murabaha Consumer Financing for International Remittance Senders, Receivers, and Sellers of Hard Currency in Cash

Purpose of Financing Repayment Tenure [years] Mortgage Finance Monthly 20 Brand new automobile 8 Used Automobile 6 Household Items 5
IFB profit rate [%] under varied Tenure of financing tenures in years
A. Equity Contribution & Repayment in FCY
Contribution	Financing Tenure in Years
	20	19	18	17	16	15	14	13	12	11	10	9	8	7	6	5	4	3	2	1
C = 30%	134.50	126.50	119.00	111.50	104.00	96.50	89.00	82.00	75.00	68.50	61.50	55.00	48.50	42.50	36.50	30.50	24.50	19.00	14.00	8.50
30%<C≤50%	119.00	112.00	105.50	98.50	92.00	85.50	79.00	73.00	67.00	61.00	55.00	49.50	43.50	38.00	33.00	27.50	22.50	17.50	12.50	8.00
50%<C≤70%	111.50	105.00	98.50	92.50	86.50	80.50	74.50	68.50	63.00	57.50	52.00	46.50	41.00	36.00	31.00	26.00	21.50	16.50	12.00	7.50
C > 70%	104.00	98.00	92.00	86.00	80.50	75.00	69.50	64.00	59.00	53.50	48.50	43.50	38.50	34.00	29.00	24.50	20.00	16.00	11.50	7.50
B. Equity contribution in FCY and repayment in LCY
C = 30%	167.50	157.50	147.50	138.00	128.50	119.00	110.00	101.00	92.00	83.50	75.00	67.00	59.00	51.50	44.00	36.50	29.50	22.50	16.00	9.50
30%<C≤50%	151.00	142.00	133.00	124.50	116.00	107.50	99.50	91.50	83.50	76.00	68.50	61.00	54.00	47.00	40.00	33.50	27.00	21.00	15.00	9.00
50%<C≤70%	142.50	134.00	126.00	118.00	110.00	102.00	94.50	86.50	79.50	72.00	65.00	58.00	51.00	44.50	38.00	32.00	26.00	20.00	14.50	9.00
C > 70%	134.50	126.50	119.00	111.50	104.00	96.50	89.00	82.00	75.00	68.50	61.50	55.00	48.50	42.50	36.50	30.50	24.50	19.00	14.00	8.50

 

2.4        Murabaha Consumer Financing for FCY Earning Employees Whose Employer or Organization or Employees’ Association/ Labour Union Have Banking Relationship with Dashen Bank

Tenure	Financing Tenure in Years
	25	24	23	22	21	20	19	18	17	16	15	14	13
Profit rate	112.5	107	101.5	96.5	91.5	86.5	81.5	76.5	71.5	67	62	57.5	53
Tenure	12	11	10	9	8	7	6	5	4	3	2	1
Profit rate	48.5	44	39.5	35.5	31	27	23	19	15	11.5	7.5	4
Purpose of financing						Equity Contribution					Tenure [years]
Mortgage finance						0					20
Brand new automobile						C ≥5%					12
Used Automobile						C ≥5%					8
Household Items						0					7
Instalment						Monthly

Approved Trade Finance Terms & Tariffs

S/N	Products/Services	Fee Basis &  Currency	Approved Rates
			Sources of Transactions
			LCY	Diaspora & Exporters’ Retention Account	NR – FCY A/C of FDI
1	Import Letter of Credit-Sight & Acceptance
1.1	LC Opening, Extension, Amendment,  Cancellation and Excess Drawing
1.1.1	LC Opening(For each 90 days)
1.1.1.1	Exchange Payable to NBE	Rate	2.50%	N/A	N/A
		Min [ETB]	10	N/A	N/A
1.1.1.2	Opening Commission	Rate	4.75%	3.00%	2.00%
		Min [USD]	250	250	250
1.1.1.3	Service Charge	Rate	6.00%	3.00%	2.00%
		Min [USD]	250	250	250
1.1.1.4	Confirmation Commission ( against cash collateral ,  against credit line)	Rate	4.00%	3.25%	2.25%
		Min [USD]	250	250	250
1.1.1.5	Commitment fee on margin held-LC import (90 days)	Rate	4.00%	3.25%	2.25%
		Min [USD]	250	250	250
1.1.1.6	SWIFT Charge	Flat [USD]	50	50	50
1.1.1.7	Photocopy/fax charge per page [if applicable]	Flat [ETB]	25	25	25
1.1.1.8	Tracer-Domestic & International [if applicable]	Flat [ETB]	400	400	400
1.1.2	LC Extension (For each 90 days)
1.1.2.1	Extension Commission	Rate	4.75%	3.00%	2.00%
		Min [USD]	250	250	250
1.1.2.2	Service Charge	Rate	6.00%	3.00%	2.00%
		Min [USD]	250	250	250
1.1.2.3	Confirmation Commission ( against cash collateral ,  against credit line)	Rate	4.00%	3.25%	2.25%
		Min [USD]	250	250	250
1.1.2.4	Extension Commission before expiry	Rate	N/A	N/A	N/A
		Min [USD]	N/A	N/A	N/A
1.1.2.5	Service Charge after expiry	Rate	N/A	N/A	N/A
		Min [USD]	N/A	N/A	N/A
1.1.2.6	SWIFT Charge [if applicable]	Flat [USD]	50	50	50
1.1.2.6	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
1.1.2.7	Tracer-Domestic & International [if applicable]	Flat [ETB]	400	400	400
1.1.3	LC Amendment
1.1.3.1	Increase in LC (For each 90 days)
1.1.3.1.1	Exchange Payable to NBE	Rate	2.50%	N/A	N/A
		Flat [ETB]	10	N/A	N/A
1.1.3.1.2	Opening Commission	Rate	6.50%	4.00%	3.00%
		Min [USD]	250	250	250
1.1.3.1.3	Service Charge	Rate	7.50%	4.00%	3.00%
		Min [USD]	250	250	250
1.1.3.1.4	Confirmation Commission [if applicable]	Rate	4.00%	3.25%	2.25%
		Min [USD]	250	250	250
1.1.3.1.5	Amendment Charge	Flat [USD]	150	150	150
1.1.3.1.6	SWIFT Charge [if applicable]	Flat [USD]	50	50	50
1.1.3.1.7	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
1.1.3.1.8	Tracer-Domestic & International [if applicable]	Flat [ETB]	400	400	400
1.1.3.2	Decrease in LC(For each 90 days)
1.1.3.2.1	SWIFT Charge	Flat [USD]	50	50	50
1.1.3.2.2	Amendment Charge	Flat [USD]	150	150	150
1.1.3.2.3	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
1.1.3.2.4	Tracer-Domestic & International [if applicable]	Flat [ETB]	400	400	400
1.1.3.2.5	Shipment made before issuance of LC(After getting approval)	Flat [USD]	200	200	200
1.1.4	LC Cancellation (For each 90 days)
1.1.4.1	Full LC Cancellation Commission	Flat [USD]	200	200	200
1.1.4.2	Partial LC Cancellation Commission excluding automatic cancellation due to unit price and freight reduction	Flat [USD]	150	150	150
1.1.5	LC Excess drawing (On the overdrawn value)
1.1.5.1	Exchange Payable to NBE	Rate	2.50%	N/A	N/A
		Flat [ETB]	10	N/A	N/A
1.1.5.2	Opening Commission	Rate	6.50%	4.00%	3.00%
		Min [USD]	250	250	250
1.1.5.3	Service Charge	Rate	7.50%	4.00%	3.00%
		Min [USD]	250	250	250
1.1.5.4	SWIFT[if applicable]	Flat [USD]	50	50	50
1.1.5.5	Photocopy/fax charge [if applicable]	Flat ETB]	25	25	25
1.1.5.6	Tracer-Domestic & International [if applicable]	Flat ETB]	400	400	400
1.2	Other Letter of Credit Charges & Commissions
1.2.1	Handling charges for processing shipping documents under expired LCs and beyond 90 days from date of issue
1.2.1.1	Handling Charges within 10 days	Rate	Free	Free	Free
		Min [USD]	Free	Free	Free
1.2.1.2	Handling Charges between 11-30 days	Rate	5.50%	4.50%	3.50%
		Min [USD]	250	250	250
1.2.1.3	Handling Charges greater than 30 days	Rate	6.50%	5.50%	4.50%
		Min [USD]	250	250	250
1.2.1.4	Confirmation Commission ( against cash collateral ,  against credit line)	Rate	4.00%	3.25%	2.25%
		Min [USD]	250	250	250
1.2.1.5	SWIFT Charge	Flat [USD]	50	50	50
1.2.1.6	Discrepancy Fee [Deducted from the Beneficiary]	Flat [USD]	200	200	200
1.2.1.7	Extra copy of import documents charge (photo copy) per presentation	Flat [USD]	30	30	30
1.2.1.8	Letter of credit re-opening service charge	Flat [USD]	150	150	150
1.2.1.9	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
1.2.1.10	Tracer- Domestic & International [if applicable]	Flat [ETB]	400	400	400
2	Inward Bills Collections/Cash Against Documents-Sight & Acceptance Commission
2.1.	Up on purchase order [PO] approval (For each 90 days)
2.1.1	Commission	Rate	9.75%	5.00%	3.00%
		Min [USD]	250	250	250
2.2.	Up on Purchase Order [PO] Extension, Amendment  and Cancellation
2.2.1	Purchase Order Extension (For each 90 days)
2.2.1.1	Commission for extension of validity date of PO or if document is presented after PO expiration and beyond 90-days	Rate	9.75%	5.00%	3.00%
		Min [ETB]	250	250	250
2.2.1.2	Commission for extension of validity date of PO or if document is presented before PO expiration and beyond 90-days	Rate	9.25%	4.25%	2.25%
		Min [USD]	250	250	250
2.2.2	Purchase Order Amendment(For each 90 days)
2.2.2.1	Amendment commission	Flat [USD]	150	150	150
2.2.2.2	Amendment of PO for increase of PO approved value within expiry (handling charge on increased value)
	Commission	Rate	5.50%	3.50%	2.50%
	Handling Charge	Flat [USD]	200	200	200
2.2.2.3	Amendment of PO for increase of PO approved value after expiry (handling charge on increased value)
	Commission	Rate	6.50%	4.00%	3.00%
	Handling Charge	Flat [USD]	200	200	200
2.2.2.4	Additional service charge (if PO) approved at margin	Rate	4.00%	3.25%	2.25%
		Flat [USD]	250	250	250
2.2.3	Upon presentation of final document(For each 90 days)
2.2.3.1	Exchange Payable to NBE	Rate	2.50%	N/A	N/A
		Min [ETB]	10	N/A	N/A
2.2.3.2	Swift Charge	Flat [USD]	50	50	50
2.2.3.3	Photocopy/fax charge	Flat [ETB]	25	25	25
2.2.3.4	Tracer – Domestic & International	Flat [ETB]	400	400	400
2.2.3.5	Commission on IBC-Sight	Flat	Free	Free	Free
2.2.3.6	Commission on IBC- Acceptance if settled on due date	Flat	Free	Free	Free
2.2.3.7	Commission on IBC- Acceptance if settled after maturity date	Flat [USD]	150	150	150
2.2.4	Purchase Order Cancellation
2.2.4.1	Up on full cancellation of PO	Flat [ETB]	150	150	150
2.2.5	PO Excess drawing (On the overdrawn value) (For each 90 days)
2.2.5.1	Exchange Payable to NBE	Rate	2.5%	NA	NA
		Min [ETB]	10	NA	NA
2.2.5.2	Service Charge	Rate	13.00%	7.00%	5.00%
		Min [USD]	250	250	250
2.2.6	Handling charge of documents arrived after expiry date of PO (For each 90 days)
2.2.6.1	Handling Charges within 10 days	Rate	Free	Free	Free
		Min [USD]	Free	Free	Free
2.2.6.2	Handling Charges between 11-30days	Rate	6.00%	4.50%	2.50%
		Min [USD]	250	250	250
2.2.6.3	Handling Charges  greater than 30days	Rate	7.00%	5.50%	3.00%
		Min [USD]	250	250	250
2.2.6.4	Confirmation Commission ( against cash collateral ,  against credit line)	Rate	4.00%	3.25%	2.00%
		Min [USD]	250	250	250
2.2.6.5	SWIFT Charge	Flat [USD]	50	50	50
2.2.6.6	Discrepancy Fee [Deducted from the Beneficiary]	Flat [USD]	200	200	200
2.2.6.7	Extra copy of import documents charge (photo copy) per presentation [if applicable]	Flat [USD]	30	30	30
2.2.6.8	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
2.2.6.9	Tracer- Domestic & International [if applicable]	Flat [ETB]	400	400	400
2.2.7	Shipment made  prior to approval of PO
2.2.7.1	Shipment made within 10 days	Rate	9.50%	4.50%	2.50%
		Min [USD]	250	250	250
2.2.7.2	Shipment made after 10 days	Rate	10.50%	5.50%	3.00%
		Min [USD]	250	250	250
2.2.8	Partial shipment charge
2.2.8.1	1st partial shipment	Rate	Free	Free	Free
		Min [USD]	Free	Free	Free
2.2.8.2	2nd  partial shipment	Rate	2.50%	2.50%	1.50%
		Min [USD]	250	250	250
2.2.8.3	3rd  partial shipment	Rate	3.50%	3.50%	2.00%
		Min [USD]	250	250	250
2.2.8.4	4th partial shipment and above	Rate	4.50%	4.50%	2.50%
		Min [USD]	250	250	225
3	Unpaid Items
3.1	Unpaid shipping documents held in safe custody/trust(For each 90 days)
3.1.1	Acceptance documents aging over 30 days -Custody Charge	Rate	0.50%	0.50%	0.25%
		Min [USD]	100	100	100
3.1.2	Sight documents aging over 30 days -Custody Charge	Rate	0.50%	0.50%	0.25%
		Min [USD]	150	150	150
3.1.3	Delivery of documents free of charge – Handling Commission (if applicable)	Min [USD]	100	100	100
3.1.4	SWIFT Charge [if applicable]	Flat [USD]	50	50	50
3.1.5	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
3.1.6	Tracer – Domestic & International [if applicable]	Flat [ETB]	400	400	400
3.1.7	Protest Charge	Flat /Rate	Per Cost	Per Cost	Per Cost
3.1.8	Courier Charge	Flat [USD]	200	200	200
3.2	Unpaid Items Returned(For each 90 days)
3.2.1	Service charge on returned shipping document	Flat [USD]	150	150	150
3.2.2	Insurance Cover	Flat/Rate	As per insurance bill/receipt
3.2.3	Legal Fee	Flat/Rate	As per insurance bill/receipt
3.2.4	SWIFT Charge [if applicable]	Flat [USD]	50	50	50
3.2.5	Photocopy/fax charge [if applicable]	Flat [ETB]	25	25	25
3.2.6	Tracer- Domestic & International [if applicable]	Flat [ETB]	400	400	400
3.2.7	IBC / CAD documents examination fee	Flat [USD]	150	150	150
3.2.8	Courier Charge	Flat/Rate	Per cost	Per cost	Per cost
3.2.9	Protest Charge	Flat [USD]	200	200	200
4	Export
4.1	Export LC(For each 90 days)
4.1.1	Advising & swift authentication cost for Dashen Bank	Flat [ETB]	Free	Free	Free
4.1.2	Advising & swift authentication cost for other banks	Flat [ETB]	1500	1500	1500
4.1.3	Extension Service Charge for Dashen Bank	Flat [ETB]	Free	Free	Free
4.1.4	Extension Service Charge or other banks	Flat [ETB]	1000	1000	1000
4.1.5	Amendment Service Charge for Dashen Bank	Flat [ETB]	Free	Free	Free
4.1.6	Amendment Service Charge for other banks	Flat [ETB]	1000	1000	1000
4.1.7	Cancellation or if not utilized upon LC expiration	Flat [ETB]	1500	1500	1500
4.1.8	Confirmation Commission	Rate	0.50%	0.50%	0.25%
		Min [USD]	125	125	125
4.2	For Export LC- Negotiation [ODBP](For each 90 days)
4.2.1	Exchange Payable to NBE	Rate	Free	Free	Free
		Min [USD]	Free	Free	Free
4.2.2	Negotiation Charge	Min	Free	Free	Free
4.2.3	Photocopy/fax charge [when applicable]	Flat	25	25	25
4.2.4	Tracer-Domestic & International [when applicable]	Flat [ETB]	400	400	400
4.2.5	Negotiation on non-complying presentation in line with the policy & procedures of the Bank	Flat [USD]	100	100	100
4.2.6	Interest on advance on export bills-unpaid ODBP exceeding 30 days after credit entry		As per the bank’s OD interest rate
4.3	Letter of Credit and Documentary Collections (ODBC) For each 90 days
4.3.1	Exchange Payable to NBE	Rate	Free	Free	Free
		Min	Free	Free	Free
4.3.2	Document examination fee	Flat [USD]	100	100	75
4.3.3	Swift Charge [USD]	Flat [USD]	50	50	50
4.3.4	Postage/Courier	Flat/Rate	Per Cost	Per Cost	Per Cost
4.3.5	Photocopy/fax charge [when applicable]	Flat [ETB]	25	25	25
4.3.6	Tracer-Domestic & International [when applicable]	Flat [ETB]	400	400	400
5	Freight
5.1	Freight Collection-LC/(For each 90 days)
5.1.1	Service Charge	Rate	12.00%	10.00%	9.00%
		Min [USD]	250	250	250
5.1.2	For inland freight /Local Freight	Rate	NA	NA	NA
		Min [ETB]	2000	2000	2000
5.2	For Freight Collection-IBC & Franco Valuta (For each 90 days)
5.2.1	Commission On IBC	Rate	12.00%	10.00%	9.00%
		Min [USD]	250	250	250
5.2.2	For inland freight /Local Freight	Rate	NA	NA	NA
		Min [ETB]	2000	2000	2000
5.3	For Freight Collection -TT (For each 90 days)
5.3.1	Commission  on DD/TT	Rate	12.00%	10.00%	9.00%
		Min [USD]	250	250	250
5.3.2	For inland freight /Local Freight	Rate	NA	NA	NA
		Min [ETB]	2000	2000	2000
6	Postage/Courier
6.1.	Postage
6.1.1	Normal	Flat /Rate	Per Cost	Per Cost	Per Cost
6.1.2	Registered
6.1.2.1	Zone 1 [Africa]	Flat/Rate	Per Cost	Per Cost	Per Cost
6.1.2.2	Zone 2 [Europe/Asia]	Flat /Rate	Per Cost	Per Cost	Per Cost
6.1.2.3	Zone 3 [America]	Flat /Rate	Per Cost	Per Cost	Per Cost
6.2	Courier Service
6.2.1	International	Flat /Rate	Per Cost	Per Cost	Per Cost
6.2.2	Domestic	Flat /Rate	Per Cost	Per Cost	Per Cost
7	Swift Authentication Cost and Others
7.1	Swift charge for full LC text (Advising)	Flat [USD]	75	75	75
7.2	Swift authentication received for financial institutions and others in favour of other banks’ customers	Flat [USD]	75	75	75
7.3	Swift authentication received through other banks in favor of our customer	Flat /Rate	Per debit Advice
7.4	Swift charge for statement upon applicant’s request	Flat [ETB]	300	300	300
7.5	Statement to be sent by Fax	Flat [USD]	75	75	75
7.6	Statement to be sent by Mail	Flat [USD]	35	35	35
7.7	Swift charge for amendment/reimbursement/ clarification/fund transfer/cancellation/ acknowledgment and any communication made on applicant’s request	Flat [ETB]	1500	1500	1500
7.8	Swift charge for FX trading partners/IMTO	Flat	Free	Free	Free
7.9	Presenting bank charges, i.e., document presentation to other local banks	Flat [USD]	75	75	75
7.10	Duplication of advices, document and messages< 1 year [per ticket]	Flat [ETB]	100	100	100
7.11	Duplication of advices, document and messages more than 1 year  [per ticket]	Flat [ETB]	250	250	250
7.12	Foreign guarantee commission (Shipping Guarantee and Delivery Order against 110% deposit) for documents from LCY account & 100 % for documents from FCY denominated accounts per transport document [per Annul]	Flat [USD]	200	200	200
7.13	Foreign guarantee commission (Indemnity letter) against undertaking letter per transport document [per Annum]	Flat [USD]	125	125	125
7.14	Issuing confirmation letter	Flat [ETB]	750	750	750
7.15	Import permit extension and/or amendment	Flat [ETB]	2500	2500	2500
7.16	Import/Export permit splitting	Flat [ETB]	2500	2500	2500
7.17	Small Items Export-Others	Flat [USD]	175	175	175
7.18	Small Item for Sample Export permit approval	Flat [USD]	Free	Free	Free
7.19	Issuance of Duplicate Permit	Flat [USD]	75	75	75
7.20	Photocopy/fax charge [Shipment document/permit/PI, etc.]	Flat [ETB]	25	25	25
7.21	Tracer- Domestic & International	Flat [ETB]	400	400	400
7.22	Issuing not-for-payment import permit	Flat [ETB]	2500	2500	2500
7.22	All Foreign exchange application form except export application form [per pad]	Flat [ETB]	100	100	100
7.23	Change of method of payment	Flat [USD]	255	150	150
7.24	Supplier’s Credit Handling Charges	Rate	2.50%	2.25%	2.00%
		Min [USD]	NA	NA	NA
7.25	IBC Document Directly received from supplier’s ( as % of invoice value )	Rate	2.50%	2.25%	2.00%
		Min [USD]	200	200	200
7.26	Discounting acceptance/Deferred payment	Flat/Rate	By special arrangement & determined by executive management
7.27	Correspondent bank charges	Flat/Rate	As per insurance bill- receipt
7.28	Advance of Cheque purchased if reimbursement delayed from more than 30 days	Flat/Rate	As per the bank’s OD interest rate
7.29	If currency other than bank’s listed NOSTOR accounts up on debit of the equivalent NOSTRO currency	Flat/Rate	Exchange rate difference collected or credited from/to the applicant using the exchange rate of debit value date.
8	Foreign Letter of Guarantee [Bid, Performance, Advance Payment, Payment, Retention, Stand-by and others as agreed]
8.1	Incoming Foreign Guarantee
8.1.1	Indirect Incoming Foreign Guarantee
8.1.1.1	Commission on Foreign Guarantees Issued with Counter Guarantees of Correspondent Banks Seeking Guarantee of DB (for each 90 days)
8.1.1.1.1	Amount Range
i	Up to  USD 50,000	Rate	0.70%	0.70%	0.70%
		Min [USD]	50	50	50
ii	From USD 50,001 – USD 500,000	Rate	0.60%	0.60%	0.60%
		Min [USD]	360	360	360
iii	From USD 500,001 – USD 100,000,000	Rate	0.45%	0.45%	0.45%
		Min [USD]	2475	2475	2475
iv	>USD 100,000,001	Rate	0.35%	0.35%	0.35%
		Min [USD]	3600	3600	3600
8.1.1.2	Extension & Amendment Charges
8.1.1.2.1	Increase in amount (for each 90 days)
i	Up to USD 50,000.00	Rate	0.70%	0.70%	0.70%
		Min [USD]	50	50	50
ii	From USD 50,001-USD 500,000	Rate	0.60%	0.60%	0.60%
		Min [USD]	360	360	360
iii	From USD 500,001-USD 100,000,000	Rate	0.45%	0.45%	0.45%
		Min [USD]	2475	2475	2475
iv	>  USD 100,000,001	Rate	0.35%	0.35%	0.35%
		Min [USD]	3600	3600	3600
8.1.1.2.2	Extension of issued guarantee (for each 90 days)
i	Up to USD 50,000	Rate	0.70%	0.70%	0.70%
		Min [USD]	50	50	50
ii	From USD 50,000 – USD 500,000	Rate	0.60%	0.60%	0.60%
		Min [USD]	360	360	360
iii	From USD 500,001 – USD 1,000,000	Rate	0.45%	0.45%	0.45%
		Min [USD]	2475	2475	2475
iv	G>USD 100,000,001	Rate	0.35%	0.35%	0.35%
		Min [USD]	3600	3600	3600
8.1.1.3	Other Amendments	Flat [USD]	50	50	50
8.1.1.4	Cancellation of issued guarantee	Flat [USD]	200	200	200
8.1.1.5	SWIFT Charge	Flat [USD]	35	35	35
8.1.2	Foreign bank Guarantee under Documentary Collection
8.1.2.1	Guarantee for presentation of B/I (3 months thereof +120% face value deposit )	Rate	1.00%	1.00%	1.00%
		Min [ETB]	1000	1000	1000
8.1.2.2	Acceptance Guarantee(draft of foreign suppliers)	Rate	1.25%	1.25%	1.25%
		Min [ETB]	1000	1000	1000
8.1.2.3	Short term guarantee (less than 12 months)	Rate	1.00%	1.00%	1.00%
		Min [ETB]	1000	1000	1000
8.1.3	Direct Incoming Foreign Guarantee Commission
8.1.3.1	Advising Commission	Flat [USD]	40	40	40
8.1.3.2	Extension Commission	Flat [USD]	40	40	40
8.1.3.3	Amendment only	Flat [USD]	40	40	40
8.1.3.4	Swift Charge	Flat [USD]	40	40	40
8.1.4	Commission on indirect foreign bid bond or performance bond at the request of local agent
i	Against 100% cash deposit	Rate	0.85%	0.85%	0.85%
		Min [USD]	150	150	150
ii	Against other collateral	Rate	1.00%	1.00%	1.00%
		Min [USD]	150	150	150
8.2	Outgoing  Foreign Guarantee
8.2.1	Outgoing  Foreign Guarantee at the Request of Local Customer [by special arrangement]
8.2.1.1	Against 100% Cash Collateral [For 90 days]
8.2.1.1.1	Up to One year	Rate	0.70%	0.70%	0.70%
		Min [USD]	150	150	150
8.2.1.1.2	More than One year	Rate	1.20%	1.20%	1.20%
		Min [USD]	150	150	150
8.2.1.2	With Collateral other than cash
8.2.1.2.1	Maturity up to one year [For each 90 days]
i	Tangible Collateral accepted by the Bank	Rate	1.00%	1.00%	1.00%
		Min [USD]	200	200	200
ii	Clean or Personal Guarantee	Rate	1.75%	1.75%	1.75%
		Min [USD]	200	200	200
iii	Mixed collateral [tangible collateral, clean base and/or personal guarantee]	Rate	The rate specified for the riskiest collateral of the mix
		Min [USD]	100	100	100
8.2.1.2.2	Maturity More than 1 year
i	Tangible Collateral accepted by the Bank	Rate	1.25%	1.25%	1.25%
		Min [USD]	100	100	100
ii	Clean or Personal Guarantee	Rate	2.25%	2.25%	2.25%
		Min [USD]	100	100	100
iii	Mix of tangible collateral, clean base and/or personal guarantee	Rate	The rate specified for the riskiest collateral of the mix
		Min [USD]	100	100	100
8.2.1.2.3	Extension Charge	Flat [USD]	40	40	40
8.2.1.2.4	Amendment Charge	Flat [USD]	40	40	40
8.2.1.2.5	Swift Charge	Flat [USD]	40	40	40
9	Foreign Fund Transfer
9.1	For Incoming Foreign fund Transfer
9.1.1	Exchange Payable to NBE	Rate	Nil	Nil	Nil
		Min [ETB]	Nil	Nil	Nil
9.1.2	Service Charge	Flat [ETB]	Nil	Nil	Nil
9.2	Retransfer of Incoming Fund Transfer in FCY
9.2.1	Service Charge
9.2.1.1	Below  100 USD	Flat [USD]	Free	Free	Free
9.2.1.2	From USD 101 to USD 10,000	Flat [USD]	50	50	50
9.2.1.3	From USD 10,001- USD 50,000	Flat [USD]	75	75	75
9.2.1.4	From USD 50,001- USD 200,000	Flat [USD]	75	75	75
9.2.1.5	From USD 200,001- USD 500,000	Flat [USD]	75	75	75
9.2.1.6	Greater than 500,000	Flat [USD]	75	75	75
9.2.1.7	SWIFT Charge [USD]	Flat [USD]	60	60	60
9.2.1.8	Service charge for transfer of previously remitted amount via FX dealings	Flat [USD]	50	50	50
9.2.3	Investigation Cost/Inquiry
9.2.3.1	Request by the overseas bank	Flat [USD]	50	50	50
9.2.3.2	Request by the customer	Flat [ETB]	300	300	300
9.3	For Outgoing Foreign Fund Transfer [SWIFT/Draft/Check]
9.3.1.	For Customers [Advance Payment – TT)
9.3.1.1	Exchange Payable to NBE  [for both Invisible and Visible]	Rate	2.50%	N/A	N/A
		Min [ETB]	10	N/A	N/A
9.3.1.2	Service Charge for Import	Rate	11.00%	5.00%	4.75%
		Min [USD]	250	250	250
9.3.1.3	Service charge for invisible/other service payments except education and medical expense	Rate	12.00%	5.00%	4.75%
		Min [USD]	250	250	250
9.3.1.4	Service charge for education and medical expense	Rate	9.50%	4.25%	4.00%
		Min [USD]	200	200	200
9.3.1.5	Amendment Charge	Flat [USD]	75	75	75
9.3.1.6	Replacement or Cancellation Charge	Flat [USD]	50	50	50
9.3.1.7	Swift Charge	Flat [USD]	50	50	50
9.3.1.8	Cost of Draft/Check per unit cost	Flat/Rate	As per Bill/Receipt/Debit confirmation
9.3.1.9	Correspondent Bank Charges/Handling Commission	Flat/Rate	As per Bill/Receipt/ Debit confirmation
9.3.2	For Staff Members
9.3.2.1	Exchange Payable to NBE	Rate	2.50%	N/A	N/A
		Min [ETB]	10	N/A	N/A
9.3.2.2	Service charge for education and medical expense	Rate	5.00%	N/A	N/A
		Min [ETB]	750	N/A	N/A
9.3.2.3	Amendment Charge	Min [ETB]	1500	N/A	N/A
9.3.2.4	Replacement or Cancellation Charge	Min [ETB]	500	N/A	N/A
9.3.2.5	Swift Charge	Min [ETB]	1500	N/A	N/A
9.3.2.6	Correspondent Bank Charges/Handling Commission	Flat/Rate	Per Bill/Receipt/Debit confirmation
10	Cost of NR-FCY, NRT, NRNT Check books and Other Charges
10.1	Service Charge for Check book Issued
10.1.1	USD
	10 Leaves	Flat [USD]	N/A	6	6
	25 Leaves	Flat [USD]	N/A	10	10
	50 Leaves	Flat [USD]	N/A	16	16
10.1.2	EURO
	10 Leaves	Flat [EUR]	N/A	5	5
	25 Leaves	Flat [EUR]	N/A	8	8
	50 Leaves	Flat [EUR]	N/A	12	12
10.1.3	GBP
	10 Leaves	Flat [GBP]	N/A	4	4
	25 Leaves	Flat [GBP]	N/A	6	6
	50 Leaves	Flat [GBP]	N/A	8	8
10.2	Account Dormancy and Maintenance Charges
10.2.1	Account Dormancy Charge/Annum	Flat [USD]	N/A	N/A	N/A
10.2.2	Account maintenance cost/Annum	Flat [USD]	N/A	50	50
10.2.3	Account maintenance for FX trading partner/IMTO	Flat [USD]	N/A	Free	Free
11	Foreign Currency Exchange Rate
11.1	Foreign Currency Cash Notes Rates
11.1.1	For Buying	Flat [USD]	Prevailing buying rate
11.1.2	For Selling	Flat [USD]	Prevailing selling rate
11.2	Foreign Currency Transaction  Rates
11.2.1	For Buying	Flat [USD]	Prevailing buying rate
11.2.2	For Selling	Flat [USD]	Prevailing selling rate
11.3	Commission on Sale of Foreign Currency Cash Notes
11.3.1	Exchange payable to NBE	Rate	2.50%	NA	NA
		Min [ETB]	10	NA	NA
11.3.2	Commission on selling FCY cash notes	Rate	14.00%	NA	N/A
		Min [ETB]	500	NA	N/A
11.3.3	Commission on selling FCY cash notes for medical travel upon presentation of Medical Board Certificate	Rate	10.00%	NA	N/A
		Min [ETB]	500	NA	N/A
11.3.4	Commission on selling FCY cash notes to staff for business travel securing approval From the CEO	Rate	Free	Free	Free
		Min [ETB]	Free	Free	Free