tariff of fees for services of banca intesa ad beograd (revised text)

Date of publication: 27/06/2012
Date of application: 13/07/2012
TARIFF OF FEES FOR SERVICES OF
BANCA INTESA AD BEOGRAD
(REVISED TEXT)
Banca Intesa ad Beograd
Milentija Popovića 7b, 11070 Novi Beograd; call center: +381 (011) 310 88 88; www.bancaintesa.rs; tekući račun: 908-16001-87

GENERAL PROVISIONS
Fees shall be collected for the services Banca Intesa ad Beograd (hereinafter: the Bank) provides in the
country and abroad on the basis of banking operations, the level of which shall be determined in
accordance with market business conditions, as well as depending on the transaction risk level, for the
purpose of covering actual expenses of performed banking services and realized income on that basis.
Tariff Service type Tariff line level
Line
No.
1 2 3
SADRŽAJ:
1. DOMESTIC OPERATIONS FOR LEGAL ENTITIES ........................................................................................... 3
2. INTERNATIONAL PAYMENTS FOR CORPORATE ........................................................................................... 5
3. GUARANTEE AND DOCUMENTARY OPERATIONS, FINANCIAL INSTITUTIONS AND ECONOMIC
PRODUCTS .......................................................................................................................................................... 7
4. LOANS ................................................................................................................................................................ 10
5. FEES FOR OTHER OPERATIONS.................................................................................................................... 11
6. BROKER OPERATIONS .................................................................................................................................... 12
7. RETAIL FEES ..................................................................................................................................................... 13
8. ELECTRONIC BANKING FOR INDIVIDUALS .................................................................................................. 16
9. PAYMENT CARDS ............................................................................................................................................. 17
PAYMENT CARDS FOR RETAIL ...................................................................................................................... 17
FEES ................................................................................................................................................................... 19
TRANSACTION PROCESSING EXPENSES .................................................................................................... 19
PAYMENT CARDS FOR LEGAL ENTITIES ..................................................................................................... 21
FEES ................................................................................................................................................................... 21
COSTS OF THE TRANSACTIONS’ PROCESSING.......................................................................................... 21
E-COMMERCE ISSUING MEMBERSHIP FEES ............................................................................................... 22
ACCEPTING PAYMENT CARDS ON POS TERMINALS ................................................................................. 22
10. SAFE-DEPOSIT-BOXES .................................................................................................................................... 23
11. OTHER PROVISIONS ........................................................................................................................................ 24
2

1. Domestic operations for Legal entities
1.1. Non-cash payment operations
Order type
A
Internal
orders
B
Clearing
orders
before 1:00
p.m. 1)
D
C
RTGS
Clearing
orders
orders after
1:00 p.m. 2) before1:00
p.m. 1)
E
RTGS
orders after
1:00 p.m. 2)
Transfer and collection Min. RSD 15 RSD 25 RSD 35 RSD 45 RSD 80
1.1.1. orders
% of the order 0.050% 0.090% 0.100% 0.100% 0.110%
Max. RSD 1.000 RSD 4.000 RSD 6.000
1.1.2. Orders crediting the Bank's account 50% cheaper than the rate in paragraph 1.1.1 3)
1.1.3.
Orders created through the use of VISA Business
Electron payment card
40% cheaper than the rate in paragraph 1.1.1 3)
1.1.4. Electronic orders (in house software)
A. internal orders fix RSD 15; order than the B.; C.; D.; E.
40% cheaper than the rate in paragraph 1.1.1 3)
1.1.5. Electronic orders (through intermediary service centers) 20% cheaper than the rate in paragraph 1.1.1 3)
1.1.6.
Electronic orders crediting individuals’ current accounts
in BIB
No fee
1.1.7.
Internal orders between the accounts of the same legal
person
No fee
1.1.8. Orders initiated by SWIFT message MT101 4) 20% cheaper than the rate in paragraph 1.1.1 3)
1) Orders received before 13,00 p.m, processed until 14,00 p.m.
2) Orders received after 13,00 p.m, processed until 16,00 p.m.
3) The discount is not calculated for the minimal amounts of the commission.
4) Fee will be aplicable upon implementation of SWIFT MT101 service
1.2. Cash payment operations
1.2.1. Deposits on the bank account Min. Max.
1.2.1.1.
Deposits crediting the account that had total deposits of > RSD 1,000,000.00 in the
previous month
RSD 25 0.1%
1.2.1.2.
Deposits crediting the account that had total deposits of > RSD 5,000,000.00 in the
previous month
RSD 25 0.06%
1.2.1.3.
Deposits crediting the account that had total deposits of > RSD 10,000,000.00 in the
previous month
RSD 25 0.03%
1.2.1.4. Deposits on the account in another bank RSD 25 per order
1.2.1.5. Withdrawals RSD 30 0.3%
1.2.2. Withdrawals in coins RSD 25 0.5%
1.2.2.1. Withdrawals on the Bank ATMs using ISA business electron payment cards RSD 50 1%
1.2.2.2. Withdrawals on the ATMs of another banks by using VISA business payment cards
40% cheaper than the rate para
1.2.2
1.2.2.3. POS terminal withdrawals RSD 60 2%
1.2.2.4. Change of effective foreign currency for smaller or bigger denominations RSD 60 2%
1.2.2.5. Change of the damaged foreign currency banknotes RSD 80 0.5%
1.2.2.6. Deposits on the bank account RSD 10 2%
3

1.3. Other fees
1.3.1.
1.3.2.
1.3.3.
Account
maintenance
Certificate
issuance
Fees on E-
banking
RSD 5.000
(supplement
card)
1 - 3 change per month RSD 195 per month
4 - 20 change per month RSD 295 per month
21 - 100 change per month RSD 395 per month
Over 100 change per month
RSD 495 per month
Issuance of archive statement
RSD 100 + RSD 20 per page
Certificate issuance upon special request of the client RSD 1.000
Final order execution certificate issuance RSD 100
Electronic service in house software activation RSD 2.000
Electronic service through intermediary service centres
(Halkom) activation
RSD 8.000 (reader and card)
Utilization of Electronic service in house software
No fee
Utilization of Electronic service through intermediary service
centers
RSD 1.000 per month
Replacement of damaged smart card or card destroying fee RSD 2.000
1.3.4. Withdrawal of the collection basis RSD 1.000 per basis
1.3.5. Account closing at client's request RSD 100
1.3.6. Fees on SMS banking – SMS request
1.3.6.1. For TELENOR network users RSD 7.08
1.3.6.2. For MTS network users RSD 7.08
1.3.6.3. For VIP network users RSD 7.08
1.3.7. Charges for registration of Bills of Exchange and Direct-Debit Authorizations
1.3.7.1. Fee for registration/discharge of Bills/Authorizations, received on Banks counter RSD 50 billsi/dda
1.3.7.2. Fee for registration of Bills received electronically via In-House solution RSD 10
1.3.7.3.
Fee for registration / deregistration of Bills of exchange / direct debit authorization
where the bank is a payee, and for deregistration of the bills of exchange / direct No fee
debit authorization which are enforced for the account of the borrower in the Bank
* Tariff rate calculation and collection for domestic payment operations is effected every 10th, 20th and last day in a month (except for the fees marked
as monthly or upon request)
4

2. International payments for corporate
2.1. Remittances
Min. % amount Max.
2.1. 1 Nostro remittances From F/X accounts RSD 1.000 0,2% RSD 40.000
2.1.2
Nostro remittances submitted by e-mail or by SWIFT message
MT101*
10% discount on tariff rate 2.1.1.
Nostro remittances (payments from Order up to 50,000.00 € RSD 1,000 From 0.08% to 3%
the account of purchased fx money),
sales of fx money from bank’s
potentials for inter-bank transfers in
2.1.3
the country and sales of fx money
Order over 50,000.00 € Tariff rate is subject to the agreement
from bank’s potentials intended for
settlement of liabilities for loans and
L/Cs
2.1.4
Nostro remittances on the order of domestic Legal entities in
the currencies that are not the subject of purchase and sale on Up to 3%
the inter-bank foreign exchange market
2.1.5
Nostro remittances in favor of non-resident accounts in the
Bank
RSD 500
2.1.6
Nostro remittances in RSD in favor of clients of other
domestic banks
RSD 800 0.4% RSD 60.000
2.1.7
Clients who effect more remittances at the same time, in favour of the same foreign partner, the fee shall be
calculated according to the total amount of remittances
2.1.8
Inquires and requests for cancellation or amendment of
payments. Corrections and amendments of faulty orders RSD 2.500 + actual foreign bank expenses
submitted by SWIFT message MT101*.
2.1.9 EUR nostro remittances with charging options OUR
2.1.9.1. Up to 5.000,00 RSD 1.150
2.1.9.2. 5.000,01 - 12.500,00 RSD 1.500
2.1.9.3. 12.500,01 - 50.000,00 RSD 2.300
2.1.9.4. Above 50.000,01 RSD 4.000
2.1.10 Other FX nostro remittances with charging options OUR RSD 1.800
2.2. Loro remittances
Min. % amount Max.
2.2.1. Remittances from abroad (loro) No fee
2.2.2.
Loro remittances from Kosovo and Metohija (pay out in rsd
0.1%
RSD 800
counter value prior to the due date of payment from the NBS)
0.2%
2.2.3.
Loro remittances on the basis of inflows from non-resident
accounts in RSD
RSD 800 0,05% RSD 50.000
2.2.4. Conditional remittances
2.2.4.1. Conditional payments up to EUR 250.000 RSD 2.000 0,3% RSD 50.000
2.2.4.2. Conditional payments from EUR 250.000,01 to 500.000 0,25% RSD 75.000
2.2.4.3. Conditional payments over EUR 500.000 0,20% RSD 125.000
2.2.5. Collection of foreign cheques 1,5 % + actual foreign bank expenses
2.3. Transfers
Min. % amount Max.
2.3.1. Inter-bank transfers in the country drawn from FX accounts RSD 1.500 0,3% RSD 60.000
2.3.1.1. Transfers from the life insurance accounts within Bank RSD 300
2.3.2. Purchase, sale and lease of real estates
2.3.2.1. Transfers for purchase, sale and lease within BiB RSD 800 0,1% RSD 8.000
2.3.2.2. Transfers for purchase, sale and lease to other domestic banks. RSD 1.500 0,2% RSD 16.000
2.3.3.
Inquires and requests for reimbursement or amendment of
transfers
RSD 2.500
2.4. Cash money and business trip expenses
Min. % amount Max.
2.4.1. Withdrawal of cash money as advance for business trip RSD 800 0.3%
2.4.2. Final calculation related to business trip – transfer within BIB RSD 400 0.15%
2.4.3.
Final calculation related to business trip – transfer to other
domestic bank
RSD 800 0.3%
2.4.4. Placement of effective money on account RSD 500 0,2% RSD 20.000
2.4.5.
Placement of effective money for capital increase and
founding investment
RSD 800 0.2%
5

2.5. Non-residents
Min. % amount Max.
2.5.1. Opening of accounts No fee
2.5.2. Opening and keeping of earmarked fx accounts RSD 5.000
RSD 500 0,2% RSD 20.000 RSD 20.000
Effective money
2.5.3.
RSD 800 0.3%
RSD 800 0,1%
2.5.4. Nostro remittance abroad RSD 1000 0,2% RSD 40.000
2.5.5. Loro remittance from abroad No fee
2.5.6. RSD payments in the country up to RSD 10.000,00 RSD 500
2.5.7. RSD payments in the country over RSD 10.000,00 RSD 1.000 0,15% RSD 50.000
2.5.8.
Payments and transfers in foreign currency in favor of clients of
other domestic banks
RSD 1.500 0,3% RSD 80.000
2.5.9. Money transfer within the bank RSD 1.000
2.6. Embassies
Min. % amount Max.
2.6.1. Opening and keeping of accounts No fee
Placement of cash money RSD 500 0,1% RSD 20.000
Effective money Withdrawal of cash money in foreign currency RSD 500 0,2%
2.6.2.
Withdrawal of cash money in RSD (limit
RSD 500 0,1%
100.000 RSD)
2.6.3. International payments RSD 800 0,15% RSD 40.000
2.6.4. Loro remittance from abroad No fee
2.6.5. Domestic payments
2.6.5.1. Payments in favor of bank clients RSD 800
2.6.5.2. RSD payments in favor of clients of another domestic bank RSD 800 0,15% RSD 50.000
2.6.5.3.
Payments and transfers in foreign currency in favor of clients of other
domestic banks
RSD 1.000 0,2% RSD 60.000
2.7. Tariff rate for banks
Min. % of amount Max.
2.7.1.
Incoming payments received from foreign banks with charging
option „OUR
5 € 0,1% 100 €
2.7.2.
Incoming payments from domestic banks with charging option
„OUR“
RSD 1.000 0,1% RSD 8.000
2.7.3.
Inquires, amendments and requests for cancellation received
from foreign banks.
25 €
2.7.4.
Inquires, amendments and requests for cancellation received
from domestic banks
RSD 2.500
2.7.5.
Transfer of incoming payment in favor of legal entity, client of
another domestic bank
RSD 1.000 0,1% RSD 8.000
2.7.6. Transfers by order of domestic banks RSD 1.000
2.7.7.
Transfer of incoming payment in favor of private individual,
client of another domestic bank
RSD 200 0.1% RSD 8.000
2.8. Other operations
2.8.1. Sending of Swift MT 940 for client’s account RSD 2.000 per month
2.8.2. Sending of Swift order copy upon client’s request RSD 300
2.8.3. Issuance of confirmations upon client’s request RSD 1.000
2.8.4. Sending of statements copy upon client’s request RSD 200
2.8.5.
Sale of foreign currency from bank’s potentials for the settlement
of liabilities in relation to the credit cards
0.2%
2.8.6.
Sale of foreign currency from bank’s potentials for the settlement
of liabilities in relation to the fx loan
0.2%
2.8.7. Activation of MT101* RSD 6.000
2.8.8. Receipt of Swift MT101 messages per account* RSD 2.000 per month
*Tariff items marked by * will be applicable upon implementation of MT101 service.
6

3. Guarantee and documentary operations, financial institutions and economic
products
3.1. Documentary collection (collection operations)
SB SME L
Min. % from amount Max.
3.1.1. Sending documents for collection RSD 5.000 0.2% RSD 60.000
3.1.2. Receipt of documents on collection basis RSD 5.000 0.2% RSD 90.000
3.1.3. Document delivery without payment RSD 5.000
3.1.4. Obtaining acceptance RSD 5.000 0.2%
3.1.5. Amendment of collection intructions RSD 5.000
3.1.6. Collection with protest of bills
RSD 5.000 +
protest costs
0.3%
3.1.7. Collection of other securities RSD 4.000 0.2%
3.1.8. Mail handling fee
3.2. Documentary letters of credit
SB SME L
Min. % from amount Max.
3.2.1. Import (nostro) L/Cs
3.2.1.1. L/C application processing fee RSD 5.000 0.15% RSD 70.000
3.2.1.2. Opening irrevocable covered L/C RSD 5.000 0.3% 0.3% 0.2%
3.2.1.3. Opening irrevocable uncovered L/C RSD 7.000 0.6% 0.5% 0.4%
3.2.1.4. Opening standby L/C
the fee shall be calculated as in the case of guarantee
operations (according to Tariff Line 3.3)
3.2.2. Changing the L/C conditions
3.2.2.1. Increasing the L/C am the fee shall be calculated according to Tariff Line 3.2.1
3.2.2.2. Increasing the L/C amount or validity period RSD 5.000
3.2.3. Other changes* RSD 5.000 0.25% per document set
3.2.4. Checking of Documents* 100 eur per document set
3.2.5. Documents accepted with discrepancies the fee shall be calculated according to Tariff Line 2.1.2
3.2.6. L/C settlement 0.50%
3.2.7. Obtaining L/C confirmation** RSD 5.000 0,2%
3.2.8. Export (loro) L/Cs
3.2.8.1. Notification * RSD 5.000 0,10% RSD 100.000
3.2.9. Changing the conditions
3.2.9.1. Increasing the value
the fee shall be calculated according to Tariff Line 3.2.8.1 +
RSD 5,000.00 fixed
3.2.9.2. Other changes* RSD 5.000
3.2.10. Document review* RSD 7.000 0.25% per document set
3.2.11. Sending documents without checking* RSD 5.000 0.15% RSD 60.000
3.2.12. Confirmation * RSD 11.000 0,75%
3.2.13. Transferring L/C to another client* RSD 7.000 0,35%
3.2.14. „Prechecking“* RSD 7.000 0,2%
3.2.15. For L/C collection the fee shall be calculated according to Tariff Line 2.1.3
3.2.16. Other
3.2.16.1. Other consulting services depending on the time spent with the client - min. RSD 5.000
3.2.16.2. Translation services RSD 1.000 per page
3.2.16.3. Urgent requests (execution within 24h) RSD 5.000
3.2.16.4. SWIFT charges RSD 600
3.2.16.5. Cancellation of the letter of credit*** RSD 10.000
3.3. Nostro RSD and FX guarantees and bill guarantees (in domestic payment
operations)
3.3.1. Application processing fee
SB SME L
Min. % from amount Max.
3.3.1.1. FX guarantees RSD 5.000 0,15% RSD 60.000
3.3.1.2.
RSD guarantees and bill guarantee in domestic
payment operations*
RSD 1.500 0,1% RSD 15.000
3.3.2. Tender guarantee
3.3.2.1. Issuing 100% covered guarantee
3.3.2.1.1. FX guarantees* RSD 5.000 0.5% 0.3% 0.2%
7

3.3.2.1.2. RSD guarantees* RSD 1.500 0.8% 0.3% 0.2%
3.3.2.2. Issuing uncovered guarantee
3.3.2.2.1. FX guarantees* RSD 5.000 1% 0.8% 0.5%
3.3.2.2.2. RSD guarantees* RSD 3.000 1% 0.8% 0.5%
3.3.3. Other guarantees
3.3.3.1. Issuing 100% covered guarantee
3.3.3.1.1. FX guarantees** RSD 5.000 0.5% 0.35% 0.25%
3.3.3.1.2. RSD guarantees** RSD 1.500 0.4% 0.3% 0.2%
3.3.3.2. Issuing uncovered guarantee
3.3.3.2.1. FX guarantees** RSD 5.000 0.8% 0.7% 0.6%
3.3.3.2.2. RSD guarantees** RSD 3.000 0.8% 0.5% 0.5%
3.3.4.
Bill guaranteeing (avals) in domestic payment
operations
3.3.4.1. Uncovered** RSD 5.000 0.8% 0.8% 0.75%
3.3.4.2. 100% covered** RSD 2.000 0.5%
3.3.5.
Issuing counter guarantee, with commission,
according to the Tariff lines for the issuing
0.5%
guarantees shall be charged additionally**
3.3.6. Changing guarantee conditions
3.3.6.1. Increasing guarantee value*
The fee shall be calculated according to Tariff Line for
guarantee issuance (depending on the type of guarantee)+
request processing fee according to Tariff Line3.3.1
3.3.6.2. Changing other guarantee conditions*
RSD 5.000+ request processing fee according to Tariff
Line3.3.1
3.3.6.3. Guarantee transfer to new beneficiary* 2%
3.3.7.
Documentation checking upon protesting nostro
guarantee
3.3.7.1. FX guarantees* RSD 5.000 0,1%
3.3.7.2. RSD guarantees*
of the amount
protested
RSD 60.000
3.3.8.
Consulting services (preparation of draft guarantee
text, analysis of commercial agreement and other)*
RSD 3.000
3.3.9. Translation services on clients request* of the amount protested
3.3.10. Urgent requests (execution within 24h)* depending on the time spent with the client - min. RSD 5,000.00
3.3.11.
Providing statements and certificates along with
guarantees and/or providing letters of intent for RSD 1.000 per page
guarantees
3.3.11.1. FX guarantees* RSD 5.000
3.3.11.2. RSD guarantees*
3.3.12. SWIFT charges* RSD 7.000
3.3.13. Cancellation of the fx guarantee *** RSD 5.000
3.3.14.
Authentication of signatures on the guarantees and
documents related to the guarantees sent directly to RSD 600
the client*
Note:
*One-off collection.
** Collection on a quarter basis. Every beginning of the quarter period shall be calculated as a whole period. If the maturity in the last quarter (except for
liabilities lasting only one quarter) is shorter than 30 days the fee shall be calculated for 1/3 of the quarter.
*** Charged in case that the client is provided with the draft of the lc of fx lg andbut the lc or fx lg has never been issued through Banca intesa Beograd:
Note: Actual costs shall be charged against all operations, including foreign Bank confirmation costs. .
All fee related to L/Cs and inkaso operations shall be calculated when executing orders, and collected 5 days after the date of calculation. .
Fee related to nostro L/Cs calculated quarterly shall be collected at the beginning of each quarter. .
In cases when L/C has been used –partially or as entirety for any reason, the collected fee shall not be returned.
As for L/Cs with deferred payment fee shall be calculated till the maturity date.
8

3.4. Loro guarantees
Min. % from amount Max.
3.4.1.
0.1% of the guarantee value, min RSD 5,000
Notification i change notification if the guarantee
(EUR 50 if at the originator's expense)
value increases
max. 60,000 (EUR 500 if at the originator's expense)
3.4.2. Change notification - other changes RSD 4.000(EUR 35 if at the originator's expense)
3.4.3. Forwarding to another bank RSD 5.000(EUR 50 if at the originator's expense)
3.4.4. Protest (preparation and realization) RSD 5.000 0,2% of the amount protested RSD 5.000
3.4.5. SWIFT charges RSD 600
3.4.6.
Issuing guarantee on the basis of foreign bank
counter guarantee
3.5. Rate for foreign banks (loro accounts)
Up to 2% p.a. of the guarantee value min RSD 11,000 (EUR
100 if at the expense of the foreign bank / originator)
Min. % of amount Max.
3.5.1. Account maintenance
3.5.1.1.
Account balance certificate at foreign bank request, in
addition to regular notification
50 €
3.5.1.2. Replies to inquiries on account debit/credit:
3.5.1.2.1. Older than 3 months 50 €
3.5.1.2.2. Older than 12 months 100 €
3.5.2. Payments in favor of financial institutions 5,00 €
3.5.3.
Payments in favor of other persons where it is stated
that the originator bears expenses (OUR)
5 € 0.1% 100 EUR
* The Bank may charge an account in case the Bank of the funds beneficiary or its intermediary bank sends a request for collection of their expenses.
In case of RSD payments, the account shall be charged also for the amount of tax for certain transactions in accordance with the Law on Payment
Operations.
3.5.4.
Request for payment order revocation after its
execution
50 €
3.5.5. Changes after the payment has been executed 50 €
* The fees shall be charged in the currency in which the account is maintained and shall represent equivalents of the fees expressed in EUR.
3.6. Other operations
3.6.1.
Authentication of signatures on the documents sent
directly to the client
RSD 5.000
3.6.2.
Authentication of client’s signatures at foreign bank
request
40 €
3.6.3. Issuing opinion on foreign bank solvency RSD 3.000
3.6.4.
Issuing opinion on client solvency at foreign bank
request
50 €
3.6.5. Issuing certificates at client request RSD 4.000
3.6.6. Issuing certificate at non-client request RSD 6.000
3.6.7. Sending SWIFT order copies at client request RSD 500
3.6.8. Research expenses (data and information collection) RSD 3.000
* Note:
The fee for performing the operations mentioned in Tariff Line 3.6. in concrete case shall be determined depending on the time spent with the client.
Special provisions:
Besides the fee, the Bank shall also collect actual telecommunication expenses as well as the expenses of foreign banks.
9

4. Loans
4.1. Loans for Legal entities
SB
SME i L
For short-term loans:0%-
2%
For short-term loans:0.5%,min
RSD1.000(for RSD loans);min
4.1.1. Fee for processing and realization of loan application *
EUR 20(for fx loans)
For long-term loans: 0%- For long-term loans: 1%,min
3%, min EUR 15 FOR
100% SECURED LOANS)
RSD5.000(for RSD loans);min
EUR 100(for fx loans)
4.1.2. Fee for processing request for changing loan conditions
In case of increased loan amount the tariff rate as in 4.1.1,and
for other changes RSD 4.000 fixed
4.1.3.
Commission for unused part of the loan - commitment
fee (only for long-term loans)*
Up to 0.5% p.a. for the unused portion
4.1.4. Fee for early loan repayment-(only for long-term loans)* Up to 2% on the amount repaid early
4.1.5. Monitoring fee *
1% per annum (at the beginning of the business year on the
amount of debt balance)
4.2. Project and special finance**
4.2.1. Fee for processing and realization of loan application
do 1%
min RSD 5.000 (za RSD loans);
min EUR 100,00 (for fx loans)
4.2.2. Fee for processing request for changing loan conditions
In case of increased loan amount the tariff rate as in 4.2.1,and
for other changes RSD 4.000 fixed
4.2.3. Commitment fee Up to 2% p.a. for the unutilized portion
4.2.4. Prepaymet fee Up to 2% on the prepaid amount
4.2.5. Monitoring fee Up to 1% p.a.
4.2.6. Arrangement fee Up to 1%
4.2.7. Security agent fee Up to 0,5%
4.2.8. Risk participation fee By arrangement
Note: Fees for standard products are defined while creating credit products.
*Only in case it is defined as a requirement by the decision of the competent decision-making body
** For each actual project / special financing the particular fee and pct of the fee within the given range as well as the manner of calculating of the same
shall be determined
10

5. Fees for other operations
5.1.1.
Expert opinions on the investment loan studies given by experts
engaged outside the Bank
actual expenses
5.1.2.
Commission operations in usage and repayment for which the interest is charged in the amount of 4 perc. points
Bank performs services for account of clients
increased by the VAT
5.1.3. Preparation of daily statements of account No fee
5.1.4. Taking measures against debtor and guarantor in default RSD 100 per warning letter
5.1.5. Protest, complaint, execution and other measures actual expenses
5.1.6.
Executing decisions of commercial and other courts and orders of
other authorities for claim collection
actual expenses
5.1.7. Fee for assessment and check of investment projects
actual expenses, or according to the criteria
determined by the Credit committee
5.1.8.
Various services to clients (service for financial and accounting
operations on the basis of loans and other)
according to the agreement
5.1.9.
Settling sales agreement certificates arriving from the Central 0.20% on the market value of sales agreement
Securities Registry, Depository and Clearing House
certificates
5.1.10.
5.1.11.
5.1.11.1.
5.1.11.2.
5.1.11.3.
5.1.11.4.
5.1.12.
Settling sales agreement certificates arriving from the Central
Securities Registry, Depository and Clearing House for the clients of
the Brokerage Dealing Unit
0.1% on the market value of sales agreement
certificates
Registration of international credit operations (foreign borrowing transaction and foreign lending transaction) and
registration of realisation of international credit operations with NBS.
Preparation of forms and registration of foreign borrowing
transaction or registration of Realization or foreign borrowing 3.000,00 RSD
transaction with NBS when the creditor is member of Intesa Per each transaction
SanPaolo group
Preparation of forms and registration of foreign borrowing
transaction or registration of Realizations or foreign borrowing
transaction with NBS when the creditor is not member of Intesa
SanPaolo group
Preparation of forms and registration of foreign lending transaction
or registration of Realization or foreign lending transaction with NBS
Delivery of Statements with regard to international credit operations
registered with NBS.
Issuing of a document that is disclaimer of the Bank's right to an
appeal according to the decision on deleting the pledge right
5.000,00 RSD
Per each transaction
3.000,00 RSD
Per each transaction
1.000,00 RSD
Per Statement
5.000,00 RSD
Per document
11

6. Broker operations
6.1. Brokerage in trading shares at the MTP and regulated market
6.2. Provision for trade equity securities of issuing orders for depositing
6.3.
1% calculated on market value per transaction or
sales agreement certificate
1% calculated on market value per transaction or
sales agreement certificate
Brokerage in trading debt securities (bills, bonds and other) the issuer of which is the Republic of Serbia, the NBS,
municipality or other local government entities(calculated on transaction market value):
6.3.1. RSD from 100.000-500.000 1%
6.3.2. RSD from 500.000-1.000.000 0,8%
6.3.3. RSD 1.000.000-5.000.000 0,6%
6.3.4. RSD 5.000.000-10.000.000 0,4%
6.3.5. RSD 10.000.000-30.000.000 0,2%
6.3.6. RSD 30.000.000-50.000.000 0,17%
6.3.7. RSD 50.000.000-100.000.000 0,16%
6.3.8. over RSD 100.000.000 0,15%
6.4. Trading bonds for settlement of retail FX savings
6.4.1. Series A2013-A2016 1,4%
6.5. Trading debt securities bussines entities
6.5.1. Up to RSD 5.000.000 1%
6.5.2. RSD 5.000.000-10.000.000 0,9%
6.5.3. RSD 10.000.000-20.000.000 0,8%
6.5.4. over RSD 20.000.000 0,7%
6.6. Change and/or revorking orders RSD 500
6.7. Subscription and payment of the securities for buyers (investitors)
Min RSD 500 per order, 1%, max RSD 100,000, per
order
6.8. Borrowing or mediation in borrowing securities 1% calculated on nominal value of the lent securities
6.9. Services as a member of Central securities depositor and clearing house and corporete agent sevices
6.9.1. For opening proprietery account (client – individual) RSD 500
6.9.2. For opening proprietery account (client – corporation) RSD 1.000
6.9.3. For opening escrow account (client -individual) RSD 500
6.9.4. For opening escrow account (client – corporation) RSD 1.000
6.9.5. For opening depo securities account RSD 20.000
6.9.6. For opening securities deposit account RSD 10.000
6.9.7. For opening emission account RSD 10.000
6.9.8. For closing account RSD 500
6.9.9. For closing depo securities account RSD 5.000
6.9.10.
For transfer of securities ownership from proprietry to custody
account (per ISIN number)
RSD 2.000
6.9.11.
For transferring securities from proprietary account opened through
one member of the Central Securities Registry proprietary account
of the same owner to anather member of the Central Securities
RSD 1.000
Registry (change depositories, per ISIN number)
6.9.12.
For transfer of securities based on the contracts of gift and other
contracts (per ISIN number)
RSD 2.000
6.9.13.
For transfer of securities based on final court decision and
requirements (inheritance and other solution, per ISIN number)
RSD 2.000
6.9.14. Subscription prohibition of disposal (per ISIN number) RSD 2.000
6.9.15. Deleting prohibition of disposal (per ISIN number) RSD 2.000
6.9.16. Enrollment of restriction (per ISIN number) RSD 2.000
6.9.17. Assigning CFI code and ISIN number RSD 5.000
6.9.18. Submission of a single shareholder book RSD 5.000
6.9.19. Changes of ID Number for clients RSD 1.000
6.9.20. Divident payments, for the issuer 3% od amount of dividend, min RSD 20.000
6.9.21.
Payment of dividends or coupons to holders of securities for
corporate clients (per order)
0.05%
6.9.22.
Publication of the notice on the website of Central Securities
Registry
RSD 2.000
Services that Banca Intesa provides in connection with opening and maintenance of special-purpose
6.10. fx account for purchase or sale of fx bonds
6.10.1. Opening special-purpose FX account
6.10.1.1. Domestic legal person
RSD 600 (collection shall be made at account
opening)
6.10.1.2. Foreign legal person RSD 2000 (collection shall be made at acc.opening)
12

7. Retail fees
7.1. RSD operations
7.1.1. Opening current account and RSD savings account No fee
7.1.2. Maintaining RSD savings account No fee
7.1.3. Maintaining current account:
7.1.3.1. Basic account * RSD 125 per month
7.1.3.2. »Intesa Hit« account ** RSD 300 per month
7.1.3.3. maintaining blocked current accounts No fee
7.1.3.4. Maintaining other types of current accounts*** No fee
7.1.3.5. »Intesa Magnifica« current account ** RSD 400 per month
7.1.4. Statement from current account
One statement a month - no fee, each subsequent
RSD 50.00 a month
7.1.4.1. Statement of purpose account for Farmers No fee
7.1.4.2.
Monthly fee, for sending to the home address confirmation of payment
made electronically, at the request of client
RSD 40.00
7.1.5. Cash withdrawal from current and dinar account (for any reason) No fee
7.1.6. Non-cash payments by transfer from current account and Min. % of amount Max.
7.1.6.1. RSD savings account and cash payments to current accounts of RSD 20
7.1.6.2. Legal entities 0,2% RSD 1.000
7.1.6.3.
Transfer/payment by HIT/Intesa Magnifica current account owner up to RSD 50 1% RSD 5.000
RSD 50.000
7.1.6.4.
Transfer/payment by HIT / Intesa Magnifica current account owner RSD 15 0,20% RSD 1.000
over RSD 50.000
7.1.6.5. Transfer/payment by other clients RSD 15 0,20% RSD 1.000
7.1.6.6. Payments of liquidity loans (by the founder) No fee
7.1.7.
transfer/payments on the basis of special arrangements
concluded with Legal entities
7.1.7.1. Transfer / payment by owner of purpose account for Farmer No fee
7.1.7.2. Issuing cheques according to retail current accounts RSD 5 per cheque
7.1.8. Up to 5 cheques per month No fee
7.1.9. Over 5 cheques per month 3%
* Fee for maintaining of basic current account is charged from the available funds. According to A/C which are transmiting into Basic current account due
to executing conciliation with clients, are not charged fee for maintaining of Basic current account.
** fee for maintaining Intesa Hit / Intesa Magnifica current account is charged against accounts which recorded financial transaction within the month. For
Intesa Magnifica current account under financial transactions credit card’s financial transactions are included.
***Other types of current accounts are type 8 (students), type 10 (specific-purpose current accounts for Laki Keš, type 008 (specific purpose current
account for farmers)
7.2. FX operations
7.2.1. Opening and maintaining FX savings deposit No fee
7.2.2. Deposit of FX cash to FX savings account No fee
7.2.3. Conversion at request of the FX savings account holder
7.2.3.1. For concrete payments (nostro remittance) * 0,4%
7.2.3.2. For FX cash withdrawal ** No fee
7.2.3.3. For withdrawal or transfer, at the owner's request*** 0,4%
7.2.3.4. For payments of credit card expenditure No fee
7.2.4.
Withdrawals from FX savings account In RSD **** No fee
in FX cash *****
No fee
7.2.5.
Non-cash payment from FX savings account crediting current
% from
Min.
account of legal person:
amount
Max.
7.2.5.1. - client of Banca Intesa ad Beograd RSD 15 0.20% RSD 1.000
7.2.5.2. - other clients RSD 25 0.40% RSD 5.000
*If client wants that the remittance is effected in the currency that he/she does not have at his FX savings deposit (conversion for nostro remittance is
carried out according to purchase exchange rate of the BIB exchange list).
** If client wants that withdraw effective FX banknotes in the currency that he/she does not have at his FX savings deposit, and Bank cannot perform it
(conversion is performed applying mid exchange rate of the NBS exchange list)
*** If client wants that the payment off is effected in the currency that he/she does not have at his FX savings, or coverts FX within FX savings deposit
from one currency to another (conversion is performed according to purchase exchange rate of the BIB exchange list)
**** Amounts of RSD Paying-out transactions, exceeding RSD 200.000 are to be announced to the branch at least 24 hours in advance
*****Amounts of effective FX banknotes , exceeding EUR 5.000 or counter value of this amount in other currency, are to be announced to the branch at
least 24 hours in advance; amounts exceeding EUR 15.000 should be announced 3 days before
13

7.3. Remittances
Min.
% from
amount
Max.
7.3.1. Nostro remittances
7.3.1.1. Nostro remittances ordered by natural persons RSD 800 0,6% RSD 40.000
7.3.1.2.
RSD Nostro remittances ordered by nonresidents on the account
opened with the Bank.
RSD 1.000
7.3.1.3.
RSD Nostro remittances ordered by nonresidents on the account
opened with some other domestic bank
RSD 800 0,8% RSD 50.000
7.3.1.4.
RSD Nostro remittances ordered by residents on the account opened
with the Bank.
RSD 500
7.3.1.5.
RSD Nostro remittances ordered by residents on the account opened
with some other domestic bank
RSD 800 0,6% RSD 40.000
7.3.1.6.
Inquires and requests for reimbursement or amendment of nostro
remittance
RSD 2.500 + actual foreign bank expenses
7.3.1.7. Nostro remittances in Eur with option OUR for actual foreign bank expenses
7.3.1.7.1. Up to € 5.000,00 RSD 1.150
7.3.1.7.2. From € 5.000,01 to € 12.500,00 RSD 1.500
7.3.1.7.3. From € 12.500,01 to € 50.000,00 RSD 2.300
7.3.1.7.4. From € 50.000,01 RSD 4.000
7.3.1.8.
Nostro remittance in other currencies with option OUR for actual
foreign bank expenses
RSD 1.800
7.3.2. Loro remittances
7.3.2.1.
Loro remittances while taking the party term foreign currency deposits
of all terms
No free
Up to 100 €
No free
7.3.2.2. Loro remittances
from 100,01 € to 10.000 € RSD 300 0,15%
Over 10.000 € 0,25% RSD 40.000
7.4. Transfers within the country - Purchase, sale and lease of real estates, life
insurance and clean transfer (among the own accounts)
Min.
% from
amount
Max.
7.4.1. Transfers within the bank * RSD 800 0,2% RSD 8.000
7.4.2. Transfers to other domestic banks RSD 1.500 0,3% RSD 16.000
7.4.2.1.
Return of funds per final calculation of business trip expenses for the
account with other domestic bank
RSD 600 0,2%
7.4.3. Inquires and requests for cancellation or amendment of transfers RSD 2.500
* If client terms deposits on the grounds of concluded purchase agreement or lease agreement for min. 1 month, the fee is not charged
Note – In case of transfers with charging option OUR, Bank will withhold RSD 1.600 as the reservation for transfers in local currency, i.e. 0,1% , min.EUR
30 (in RSD counter value on the bases of NBS middle exchange rate) for transfers in foreign currency.
14

7.5. FX operations
Min.
% from
amount
Max.
7.5.1. Purchase of effective FX banknotes no fee
7.5.2. Sales of effective FX banknotes no fee
7.5.3.
Change of effective FX banknotes for smaller or bigger
denominations
RSD 80 0,5%
7.5.4. Change of damaged effective FX banknotes RSD 10 2%
7.5.5. Depositing and pay-off of loro cheques from FX saving deposit
7.5.5.1. Banking cheque RSD 300 1,2%
7.5.5.2. Traveler’s cheque RSD 300 1,2%
7.5.5.3. Pension cheque RSD 300 0,5%
7.5.5.4. Private cheque RSD 300 2 %
7.5.6. Purchase of loro cheques through exchange operations RSD 300 1,2%
7.5.7. Collection of inkaso cheques RSD 300 2 % + real expenses
7.6. Tariff rates for foreign banks
Min.
% from
amount
Max.
7.6.1. Inflows when the ordering party covers expenses 5 € 0,1% 100 €
7.7. Tariff rates regarding financial instruments
Min.
% from
amount
7.7.1. Opening and keeping of dinar and FX specific purposes accounts of financial instruments
7.7.1.1. Clients of BIB Brokerage Dealing Unit no fee
7.7.1.2. Clients of other brokerage institutions RSD 500
7.7.2. Cash balancing fee – trading with financial instruments
7.7.2.1. Clients of BIB Brokerage Dealing Unit * RSD 20 0,1%
7.7.2.2. Clients of other brokerage institutions * RSD 20 0,2%
7.7.2.3. Over-the-counter-sale of Old FX savings bonds trading 0.9%
* calculated according to the market value per transaction
7.8. L/G operations for natural entities
Min. % od iznosa Max.
7.8.1. Request processing fee P()900 RSD 1.000 0,1%*
7.8.2. L/G for participation at tenders, public bids, public competition
7.8.2.1. Issuing of L/G with 100% deposit 0,6%* RSD 50.000
7.8.2.2. Issuing of L/G without deposit 1%*
* collection is conducted on one-off basis
7.8.3. Other L/G
7.8.3.1. Issuing of L/G with 100% deposit 0,8%** RSD 50.000
7.8.3.2. Issuing of L/G without deposit 1,5%**
** calculation and collection are conducted on quarter basis, after each three-month-period. Each started three-month-period is
considered the whole.
7.8.4. Cancellation of L/G issuing request RSD 1.000 0,1% ***
7.8.5. Extension of validity date of the issued L/G RSD 1.000 0,1%***
7.8.6. Protest of L/G ( preparation and realization) 0,2%***
*** from amount
Max.
15

7.9. Retail Loans
7.9.1. Loan application processing fee 0% - 2.50%
7.9.2. Sending warning notice to the loan user 100 RSD per warning notice
7.9.3.
Premature loans repayment fee – contracts signed from the
05.12.2011.
Client pays to the Bank premature repayment fee
according to costs due to premature repayment,
calculated on the basis of Law on Financial
Services Users Protection, not above:
• 1% of premature repaid principal, if the
period between premature repayment and agreed
maturity is longer than one year
• 0,50% of premature repaid principal, if
the period between premature repayment and
agreed maturity is shorter than one year
Premature repayment fee will not be paid when
total premature repaid amount is equal or less
than 1.000.000 RSD, including all premature
repayments for the previous 12 months.
Premature loans repayment fee – contracts signed up to
7.9.4.
On the basis on signed loan contract *
04.12.2011.
Request for change of the real estate that is the subject of the 50 € (in diner counter value, according to the mid
7.9.5.
mortgage.
exchange rate of the NBS on the payment day)
* For the contracts signed up to 04.12.2011., in case of precisely stated premature repayment fee the provisions of the signed contract have to be applied;
Otherwise, if provisions of premature repayment fee refer to Tariff of fees, Tariff position 7.9.3. has to be applied.
7.10. Other operations
7.10.1. Request for return of FX payment order upon execution 25 €
7.10.2.
Changes after the FX payment is effected, upon request of a
client
25 €
7.10.3. Return of inflow abroad upon the request of the ordering party 25 €
7.10.4.
Liquidity – cash balancing of current account, a’vista and term
account
no fee
7.10.5. Issuing of various confirmations RSD 300
7.10.6. Blocking of accounts no fee
7.10.7. Sending default warning notice RSD 200 per warning notice
7.10.8.
Canceling of partial and full amount term savings deposit, before
expiry of the first term saving period
No fee
7.10.9. Issuing of confirmation - SWIFT message RSD 250
7.10.10.
Issuing of confirmations for the effected depositing of founding
investment according to the order of non-resident.
RSD 300 per confirmation
8. Electronic banking for individuals
8.1. Banca Intesa Online
8.1.1. Activation of Banca Intesa Online Free of charge
8.1.2. Banca Intesa Online monthly fee Free of charge
8.2. SMS
8.2.1. MO SMS
8.2.1.1. For TELENOR network users RSD 7.08
8.2.1.2. For MTS network users RSD 7.08
8.2.1.3. For VIP network users RSD 7.08
8.3. IntesaMob
8.3.1. Activation of IntesaMob service Free of charge
8.3.2. IntesaMob monthly fee* RSD 50 per month
8.3.2.1. IntesaMob monthly fee for “Intesa Magnifica” current account users** Free of charge
8.4.
8.5.
Non-cash payments for “Intesa HIT” current account users trough BIB
On Line and / or IntesaMob services
Non-cash payments for “Intesa Magnifica” current account users
trough BIB On Line services
The first 5 transactions per month free of charge,
and the rest are charged according to the Tariff
item 7.1
The first 5 transactions per month free of charge,
and the rest are charged according to the Tariff
item 7.1
* Monthly fee will not be charged during period which runs until 31.10.2012. After that period, monthly fee for IntesaMob service will be charge in
accordance with currently Decision on tariff of fees for services of Banca Intesa ad Beograd
16

9. Payment cards
Payment cards for retail
9.1. Annual membership fee for basic card
9.1.1. Dina debit card no fee
9.1.2. Dina credit card no fee
9.1.3. Dina debit international RSD 360 (30 montly)
9.1.4. Maestro card no fee
9.1.5. Maestro Pre-paid RSD 300 yearly
9.1.6. Maestro Co Brand BIB-MTS RSD 360 monthly
9.1.7. MC Standard Co Brand BIB-MTS RSD 200 monthly
9.1.8. MC within current account bundle (Standard i Gold) no fee
9.1.9. MC Standard RSD 200 monthly
9.1.10. MC Standard Premium package (Standard + MC2 Standard) RSD 230 monthly
9.1.11. MC Standard Affinity PKB* RSD 180 monthly
9.1.12. MC Gold RSD 500 monthly
9.1.13. MC Gold Premium paket (Gold + MC2 Gold) RSD 550 monthly
9.1.14. MC Gold Affinity PKB* RSD 490 monthly
9.1.15. Visa Eelectron Magnifica*** no fee
9.1.16. Visa Electron no fee
9.1.17. Visa Electron Affinity Paraolimpik no fee
9.1.18. Visa Internet no fee
9.1.19. Visa Classic RSD 200 monthly
9.1.20. Visa Classic Affinity Paraolimpik RSD 160 monthly
9.1.21. Visa Gold RSD 500 monthly
9.1.22. AMEX Green RSD 2.400 yearly
9.1.23. AMEX Green Affinity LK* RSD 2.200 yearly
9.1.24. AMEX Gold** RSD 6.600 yearly
9.1.25. AMEX Blue RSD 1.800 yearly
9.1.26. AMEX Green with 100% deposit* RSD 1.200 yearly
9.2. Annual membership fee for supplement card
9.2.1. Dina debit card no fee
9.2.2. Dina debit international 180 RSD (15 RSD montly)
9.2.3. Maestro card no fee
9.2.4. MC within current account bundle (Standard i Gold) no fee
9.2.5. MC Standard RSD 100 monthly
9.2.6. MC Standard Co Brand BIB-MTS RSD 100 monthly
9.2.7. MC Standard Premium package (Standard + MC2 Standard) RSD 130 monthly
9.2.8. MC Standard Affinity PKB* RSD 70 monthly
9.2.9. MC Gold RSD 300 monthly
9.2.10. MC Gold Premium package (Gold + MC2 Gold) RSD 350 monthly
9.2.11. MC Gold Affinity PKB* RSD 280 monthly
9.2.12. Visa Eelectron Magnifica*** no fee
9.2.13. Visa Electron no fee
9.2.14. Visa Electron Affinity Paraolimpik no fee
9.2.15. Visa Classic RSD 100 monthly
9.2.16. Visa Classic Affinity Paraolimpik RSD 70 monthly
9.2.17. Visa Gold RSD 300 monthly
9.2.18. AMEX Green RSD 1.200 yearly
9.2.19. AMEX Green Affinity LK* RSD 1.000 yearly
9.2.20. AMEX Gold** RSD 3.500 yearly
9.2.21. AMEX Blue RSD 900 yearly
9.2.22. AMEX Green with 100% deposit* RSD 600 yearly
* No membership fee is charged in first year
**Amex Gold credit card users (main and additional users) with opened Intesa Magnifica current account – 50% decrease of annual fee.
17

9.3. Fee for issuing
9.3.1. Maestro Gift -Individuals RSD 200 one-off
9.3.2. Maestro Gift -Individuals (at the request of legal person) RSD 100 one-off
9.3.3. Dina Credit 6+30 RSD 500
9.4. Blockade of the lost or stolen card, including replacement of lost or stolen
card
9.4.1. Dina debit card RSD 400
9.4.2. Dina credit card RSD 800
9.4.3. Dina Credit 6+30 RSD 800
9.4.4. Dina debit international RSD 400
9.4.5. Maestro card RSD 400
9.4.6. Maestro Co Brand BIB-MTS RSD 400
9.4.7. Maestro GIFT card RSD 300
9.4.8. MC within current account bundle (Standard i Gold) RSD 800
9.4.9. MC Standard RSD 800
9.4.10. MC Standard Co Brand BIB-MTS RSD 800
9.4.11. MC2 Standard RSD 800
9.4.12. MC Standard Affinity PKB RSD 800
9.4.13. MC Gold RSD 1.500
9.4.14. MC2 Gold RSD 1.500
9.4.15. MC Gold Affinity PKB RSD 1.500
9.4.16. Visa Eelectron Magnifica* RSD 400
9.4.17. Visa Electron RSD 400
9.4.18. Visa Electron Affinity Paraolimpik RSD 400
9.4.19. Visa Internet RSD 400
9.4.20. Visa Classic RSD 800
9.4.21. Visa Classic Affinity Paraolimpik RSD 800
9.4.22. Visa Gold RSD 1.500
9.4.23. AMEX Green RSD 1.000
9.4.24. AMEX Green Affinity LK RSD 1.000
9.4.25. AMEX Gold RSD 1.500
9.4.26. AMEX Blue RSD 200
9.4.27. AMEX Green with 100% deposit RSD 1.000
9.5. Request for new PIN
9.5.1. AMEX Blue RSD 200
9.5.2. AMEX Green RSD 300
9.5.3. AMEX Green Affinity LK RSD 300
9.5.4. AMEX Gold RSD 300
9.5.5. AMEX Green with 100% deposit RSD 300
9.6. Cancellation of a card utilization
9.6.1. Debit cards No fee
9.6.2. Credit cards No fee
9.7. Urgent card production
9.7.1. AMEX Green RSD 2.500
9.7.2. AMEX Green Affinity LK RSD 2.500
9.7.3. AMEX Gold RSD 2.500
9.7.4. AMEX Blue RSD 2.500
9.7.5. AMEX Green with 100 % deposit RSD 2.500
9.7.6. Other credit cards RSD 1.500
9.7.7. Debit cards RSD 600
9.8. E-commerce issuing membership fees
9.8.1. Verify By Visa RSD 800
9.9. MasterCard SecureCode
9.9.1.
9.9.2.
Issuing fee for MasterCard SecureCode CAP (Chip Authentication
Program) package (1 payment card reader)
Monthly fee for MasterCard SecureCode – CAP (Chip Authentication
Program) service usage
1,000 RSD one-time fee
Free of charge
18

Fees
9.10. Costs of sending notices in case of 60-day-default
9.10.1. AMEX Green RSD 100
9.10.2. AMEX Green Affinity LK RSD 100
9.10.3. AMEX Gold RSD 100
9.10.4. AMEX Blue RSD 100
9.10.5. AMEX Green with 100% deposit RSD 100
9.11. Costs of sending notices in case of 90-day-default
9.11.1. AMEX Green RSD 200
9.11.2. AMEX Green Affinity LK RSD 200
9.11.3. AMEX Gold RSD 200
9.11.4. AMEX Blue RSD 200
9.11.5. AMEX Green with 100% deposit RSD 200
Transaction processing expenses
9.12. Cash withdrawals at the counters of BIB
9.12.1. Dina debit card no fee
9.12.2. Dina credit card 3% (min RSD 150)
9.12.3. Dina Credit 6+30 2% ( min RSD 100)
9.12.4. Dina debit card international no fee
9.12.5. Maestro card no fee
9.12.6. Maestro Co Brand BIB-MTS no fee
9.12.7. MC within current account bundle (Standard i Gold) 3% (min RSD 150)
9.12.8. MC Standard 3% (min RSD 150)
9.12.9. MC Standard Co Brand BIB-MTS 3% (min RSD 150)
9.12.10. MC2 Standard 3% (min RSD 150)
9.12.11. MC Standard Affinity PKB 3% (min RSD 150)
9.12.12. MC Gold 3% (min RSD 150)
9.12.13. MC2 Gold 3% (min RSD 150)
9.12.14. MC Gold Affinity PKB 3% (min RSD 150)
9.12.15. Visa Electron Magnifica* no fee
9.12.16. Visa Electron no fee
9.12.17. Visa Electron Affinity Paraolimpik no fee
9.12.18. Visa Classic 3% (min RSD 150)
9.12.19. Visa Classic Affinity Paraolimpik 3% (min RSD 150)
9.12.20. Visa Gold 3% (min RSD 150)
9.12.21. AMEX Green 3% (min RSD 150)
9.12.22. AMEX Green Affinity LK 3% (min RSD 150)
9.12.23. AMEX Gold 3% (min RSD 150)
9.12.24. AMEX Blue 3% (min RSD 150)
9.12.25. AMEX Green with 100% deposit 3% (min RSD 150)
9.13. Cash withdrawal abroad
9.13.1. Maestro card 2% (min 2 eur)
9.13.2. Maestro Co Brand BIB-MTS 2% (min 2 eur)
9.13.3. Maestro Pre-paid 2% (min 2 eur)
9.13.4. MC within current account bundle (Standard i Gold) 3% (min 3 eur)
9.13.5. MC Standard 3% (min 3 eur)
9.13.6. MC Standard Co Brand BIB-MTS 3% (min 3 eur)
9.13.7. MC2 Standard* 3% (min 3 eur)
9.13.8. MC Standard Affinity PKB 3% (min 3 eur)
9.13.9. MC Gold 3% (min 3 eur)
9.13.10. MC2 Gold* 3% (min 3 eur)
9.13.11. MC Gold Affinity PKB 3% (min 3 eur)
9.13.12. Visa Electron Magnifica** 2% (min 2 eur)
9.13.13. Visa Electron 2% (min 3 eur)
9.13.14. Visa Electron Affinity Paraolimpik 2% (min 3 eur)
9.13.15. Visa Classic 3% (min 3 eur)
9.13.16. Visa Classic Affinity Paraolimpik 3% (min 3 eur)
9.13.17. Visa Gold 3% (min 3 eur)
9.13.18. Dina debit card international 2% ( min 3 eur)
9.13.19. AMEX Green 3% (min 5 eur)
19

9.13.20. AMEX Green Affinity LK 3% (min 5 eur)
9.13.21. AMEX Gold 3% (min 5 eur)
9.13.22. AMEX Blue 3% (min 5 eur)
9.13.23. AMEX Green with 100% deposit 3% (min 5 eur)
* the tariff refers to cash withdrawal at foreign banks’ counters, excluding the option to withdraw cash at ATMs abroad
** Cash withdrawals at ATM-s wihin the Intesa Sanpaolo Group – without fee,Change made by decision number IO/4/31/11 from
06.10.2011
9.14. Cash withdrawal at the ATMs of BIB
9.14.1. Dina debit card no fee
9.14.2. Dina credit card 3% (min RSD 60)
9.14.3. Dina Credit 6+30 2% (min RSD 100)
9.14.4. Dina debit card international no fee
9.14.5. Maestro card no fee
9.14.6. Maestro Co Brand BIB-MTS no fee
9.14.7. Maestro Pre-paid no fee
9.14.8. MC within current account bundle (Standard i Gold) 3% (min RSD 90)
9.14.9. MC Standard 3% (min RSD 90)
9.14.10. MC Standard Co Brand BIB MTS 3% (min RSD 90)
9.14.11. MC Standard Affinity PKB 3% (min RSD 90)
9.14.12. MC Gold 3% (min RSD 90)
9.14.13. MC Gold Affinity PKB 3% (min RSD 90)
9.14.14. Visa Electron Magnifica* no fee
9.14.15. Visa Electron no fee
9.14.16. Visa Electron Affinity Paraolimpik no fee
9.14.17. Visa Classic 3% (min RSD 90)
9.14.18. Visa Classic Affinity Paraolimpik 3% (min RSD 90)
9.14.19. Visa Gold 3% (min RSD 90)
9.14.20. AMEX Green 3% (min RSD 150 )
9.14.21. AMEX Green Affinity LK 3% (min RSD 150)
9.14.22. AMEX Gold 3% (min RSD 150)
9.14.23. AMEX Blue 3% (min RSD 150)
9.14.24. AMEX Green with 100% deposit 3% (min RSD 150)
9.15. Cash withdrawal at the ATMs and counters of other domestic principals
9.15.1. Dina debit card 2% (min RSD 90)
9.15.2. Dina credit card 3% (min RSD 150)
9.15.3. Dina Credit 6+30 2% ( min RSD 100)
9.15.4. Dina debit card international 2%(min RSD 90)
9.15.5. Maestro card 2% (min RSD 90)
9.15.6. Maestro Co Brand BIB-MTS 2% (min RSD 90)
9.15.7. Maestro Pre-paid 2% (min RSD 90)
9.15.8. MC within current account bundle (Standard i Gold) 3% (min RSD 150)
9.15.9. MC Standard 3% (min RSD 150)
9.15.10. MC Standard Co Brand BIB-MTS 3% (min RSD 150)
9.15.11. MC2 Standard* 3% (min RSD 150)
9.15.12. MC Standard Affinity PKB 3% (min RSD 150)
9.15.13. MC Gold 3% (min RSD 150)
9.15.14. MC2 Gold* 3% (min RSD 150)
9.15.15. MC Gold Affinity PKB 3% (min RSD 150)
9.15.16. Visa Electron Magnifica** 2% (min RSD 90)
9.15.17. Visa Electron 2% (min RSD 150)
9.15.18. Visa Electron Affinity Paraolimpik 2% (min RSD 150)
9.15.19. Visa Classic 3% (min RSD 150)
9.15.20. Visa Classic Affinity Paraolimpik 3% (min RSD 150)
9.15.21. Visa Gold 3% (min RSD 150)
* the tariff refers to cash withdrawal at domestic banks’ counters, excluding the option to withdraw cash at ATMs
9.16. Expenses of processing unfounded complaints
9.16.1. Expenses of processing unfounded complaints in the country RSD 1.000
9.16.2. Expenses of processing unfounded complaints abroad 15 eur
20

Payment cards for legal entities
9.17. Annual membership
9.17.1. MC Business for small business RSD 2.500
9.17.2. MC Business RSD 4.000
9.17.3. MC Business Affinity PKB No fee
9.17.4. Visa Business Electron No fee
9.17.5. Visa Business Gold RSD 6.900
*The tariff line is applied if the stated number of cards is activated in the same months.
9.18. Replacement of lost or stolen card, card replacement at the user's request
9.18.1. MC Business RSD 1.500
9.18.2. MC Business Affinity PKB RSD 1.500
9.18.3. Visa Business Electron RSD 300
9.18.4. Visa Business Gold RSD 1.800
Fees
9.19. Card blocking fee
9.19.1. MC Business RSD 3.000
9.19.2. MC Business Affinity PKB RSD 3.000
9.19.3. Visa Business Electron RSD 300
9.19.4. Visa Business Gold RSD 3.000
Costs of the transactions’ processing
9.20. Cash withdrawals at the counters of BIB
9.20.1. MC Business 3% (min RSD 150)
9.20.2. MC Business Affinity PKB 3% (min RSD 150)
9.20.3. Visa Business Gold 3% (min RSD 150)
9.21. Cash withdrawals abroad
9.21.1. MC Business 3% (min 5 eur)
9.21.2. MC Business Affinity PKB 3% (min 5 eur)
9.21.3. Visa Business Electron 3% (min 5 eur)
9.21.4. Visa Business Gold 3% (min 5 eur)
9.22. Cash withdrawal at the ATMs of BIB
9.22.1. MC Business 3% (min RSD 60)
9.22.2. MC Business Affinity PKB 3% (min RSD 60)
9.22.3. Visa Business Gold 3% (min RSD 60)
9.23. Cash withdrawal at the ATMs of BIB and counters of other domestic
principals
9.23.1. MC Business 3% (min. RSD 200)
9.23.2. MC Business Affinity PKB 3% (min. RSD 200)
9.23.3. Visa Business Gold 3% (min. RSD 200)
9.24. Expenses of processing unfounded complaints
9.24.1. Expenses of processing unfounded complaints in the country RSD 1.000
9.24.2. Expenses of processing unfounded complaints abroad 15 eur
9.25. Merchant commission percentage range for accepting payment cards
fee
Term of payment
9.25.1. MasterCard I Maestro
a) up to 5%
up to 20 business
b) up to 5% Min.( up to
days
RSD 100)
9.25.2. VISA
a) up to 5%
up to 20 business
b) up to 5% Min.( up to
days
RSD 100)
9.25.3. American Express
a) up to 5%
up to 40 business
b) up to 5% Min.( up to
days
RSD 100)
9.25.4. DINA a) up to 2% up to 5 business
21

) up to 2% Min.( up to
RSD 100)
days
E-commerce issuing membership fees
9.26. Fee for the service activation RSD from 40.000 – 200.000
9.26.1. Monthly maintenance service fee Up to 4.000 RSD
Accepting payment cards on POS terminals
9.27. POS Monthly maintenance fee Up to 1000 RSD
22

10. Safe-deposit-boxes
10.1. Type of service
10.1.1. Replacing lock on mechanical safe-deposit-box RSD 500+ actual expenses
10.1.2.
Replacing lost or damaged card of electronic self-service safe-deposit
box
RSD 200
10.1.3. Replacing lock on electronic self-service safe-deposit box:
10.1.3.1. for safe-deposit-box 60X300X400 RSD 500 + EUR 160
10.1.3.2. for safe-deposit-box 90X300X400 RSD 500 + EUR 170
10.1.3.3. for safe-deposit-box 120X300X400 RSD 500 + EUR 180
10.1.3.4. for safe-deposit-box 180X300X400 RSD 500 + EUR 190
10.1.3.5. for safe-deposit-box 210X300X400 RSD 500 + EUR 200
10.2. Electronic self-service safe deposit box
Safe-deposit-boxes
Natural person
Legal entities
dimensions
1 month 3 months 6 months 12 months 1 month 3 months 6 months 12 months
10.2.1. 60x300x400 RSD 600 RSD 1.400 RSD 2.000 RSD 4.000 RSD 1.400 RSD 2.000 RSD 4.000 RSD 8.000
10.2.2. 90x300x400 RSD 800 RSD 1.800 RSD 3.000 RSD 5.000 RSD 1.800 RSD 3.000 RSD 6.000 RSD 12.000
10.2.3. 120x300x400 RSD 1.000 RSD 2.000 RSD 4.000 RSD 6.000 RSD 2.000 RSD 4.000 RSD 8.000 RSD 16.000
10.2.4. 180x300x400 RSD 1.200 RSD 3.000 RSD 5.000 RSD 8.000 RSD 3.000 RSD 5.000 RSD 10.000 RSD 20.000
10.2.5. 210x300x400 RSD 1.400 RSD 4.000 RSD 7.000 RSD 10.000 RSD 4.000 RSD 7.000 RSD 12.000 RSD 24.000
10.3. Mechanical safe-deposit box
Safe dimensions
10.3.1. 45x240x330
10.3.2. 75x300x370
10.3.3. 60x280x390
10.3.4. 60x300x400
10.3.5. 40x250x350
10.3.6. 60x280x390
10.3.7. 75x300x500
10.3.8. 75x310x500
10.3.9. 60x250x330
10.3.10. 75x240x326
10.3.11. 70x240x330
10.3.12. 100x250x350
10.3.13. 100x300x370
10.3.14. 120x300x400
10.3.15. 130x280x390
10.3.16. 100x300x500
10.3.17. 100x310x500
10.3.18. 120x50x330
10.3.19. 90x220x470
10.3.20. 180x300x400
10.3.21. 200x300x370
10.3.22. 150x300x500
10.3.23. 155x310x500
10.3.24. 240x250x330
10.3.25. 220x240x326
10.3.26. 280x240x326
10.3.27. 140x300x470
10.3.28. 240x300x400
10.3.29. 200x300x500
10.3.30. 230x310x500
10.3.31. 600x250x330
10.3.32. 180x300x470
10.3.33. 300x300x470
10.3.34. 300x300x500
10.3.35. 310x350x500
10.3.36. 1200x250x330
Natural persons
Legal persons
1 month 3 months 6 months 12 months 1 month 3 months 6 months 12 months.
RSD 400 RSD 1.000 RSD 1.800 RSD 3.000 RSD 1.000 RSD 1.800 RSD 3.000 RSD 6.000
RSD 500 RSD 1.200 RSD 2.400 RSD 3.600 RSD 1.200 RSD 2.400 RSD 5.000 RSD 8.000
RSD 600 RSD 1.400 RSD 3.000 RSD 4.000 RSD 1.400 RSD 3.000 RSD 6.000 RSD 10.000
RSD 800 RSD 1.600 RSD 3.600 RSD 5.000 RSD 1.600 RSD 4.000 RSD 8.000 RSD 14.000
RSD 1.000 RSD 1.800 RSD 4.000 RSD 6.000 RSD 1.800 RSD 6.000 RSD 10.000 RSD 20.000
23

11. Other provisions
The Bank shall collect fee for the provided service by the service user or originator, unless
otherwise stipulated by the agreement between the client and the Bank or between the clients
themselves.
The fee for provision of services which are not stipulated by this Tariff but appear in the Bank's
operations and its level shall be determined by the agreement between the clients and the
Bank, in accordance with the fee level for similar operations stipulated by this Tariff.
Besides the service fees stipulated by this Tariff, the Bank shall also charge and collect the
actual expenses arising in the country and abroad.
The following outlays shall be deemed actual expenses:
1. postage for registered mail, express mail and airmail, with receipt and other special
mail handling, package postage, as well as transport expenses;
2. telex, telegram and telephone call expenses, except for local telephone calls;
3. telephone, telex and telegraph transfer expenses;
4. special package material expenses;
5. expenses charged by other banks in the country participating in the execution of
transaction;
6. commission and expenses charged by foreign banks;
7. dues and similar paid by the Bank for account of the service user;
8. legal representation expenses, court expenses and similar;
9. expenses of outsourcing for work at the request of service users;
10. outlays relating to the loan application when the loan has not been approved;
11. expenses relating to obtaining information at the request of domestic clients and
foreign business partners;
12. expenses of special obligations in foreign transactions;
13. other actual outlays made at the service user's request;
14. expenses of representative's office in providing help to depositors for purchase of
domestic goods, durable consumer goods and flats with in-country delivery, as well as
in providing other services to the Bank depositors and our other citizens temporarily
residing abroad.
Postage for ordinary mail as well as postage for airmail destined for foreign countries shall not
be deemed actual expense.
Actual expenses shall also be collected when this Tariff stipulates that the relevant service
shall be performed without charging a fee.
Expenses may be determined and collected as lump sum for particular types of services that
occur more frequently, and in the performance of which several different types of expenses
arise, as well as when the expense level is directly dependent on the transaction value.
The level of the lump sum expenses, minimum and maximum levels for the mentioned tariff
rates shall be determined by the Bank's Executive Board by its decision, depending on the
actual trend of expenses in the previous period (the rate of retail price increase and published
minimum cost of labor).
The Decision referred to in the previous paragraph shall be an integral part of this Decision.
The fees for all services in FX transactions provided by the Bank to the users in the country
shall be charged in RSD at middle price.
24

If the FX transactions in the country are performed through several domestic banks, the fees
shall be shared according to agreement between the participating banks, in proportion to their
respective share in the transaction performed.
For all its services, the Bank shall collect all fees that may arise from any change in current
legal regulations or change in current NBS Tariff (the NBS transfer commission) in the manner
and in the amount prescribed.
The fees for the services the Bank provides to foreign correspondents shall be calculated in
foreign currency according to current Tariff for services in transactions with foreign banks and
other foreign entities.
In particular cases of interest to the Bank, the Executive Board, or a person authorized by the
Book of Authorization, may depart from this Tariff and agree on lower or higher tariff rates in
agreement with the clients.
In case of any change in the circumstances material for determining the elements from this
Decision, when the Bank's interest requires so, the Executive Board or the person authorized
by the Book of Authorization may change this Decision temporarily or amend it, the final
decision on which shall be made by the Board of Directors at its first following ordinary
meeting.
The clients, affected by the implementation of this decision in the way that the previously
agreed terms and conditions for using Bank products are changed, are hereby informed on the
changed terms and conditions in the manner prescribed by the General operating terms and
conditions.
This Decision shall come into force as of the day of its adoption and apply after the expiry of
the fifteenth day from the day of its posting in the Bank's business premises.
25