.ballinaen.
   
 

 

Commissions to individuals

Legend
Bank Abbreviation Last update
Alpha Bank Albania AB October 2017
American Bank of Investment (Albania) ABI October 2017
Credins Bank CB October 2017
Credit Bank of Albania CBA October 2017
First Investment Bank Albania FIB October 2017
International Commercial Bank ICB October 2017
Intesa Sanpaolo Bank of Albania ISB October 2017
National Commercial Bank NCB October 2017
NBG Bank Albania NBG October 2017
Procredit Bank PCB October 2017
Raiffeisen Bank RB October 2017
Societe Generale Bank Albania SGB October 2017
Tirana Bank TB October 2017
Union Bank UB October 2017
United Bank of Albania UBA October 2017
Veneto Banka VB October 2017

Currency: ALL EURO USD GBP

Commissions on cards
    Credit cards AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing card according to terms and conditions (at a value)     1'000.00         0.00           1'500.00    
      Annual commission applied for card maintenance MIN 2'000.00 1'250.00           1'500.00 1'250.00     1'500.00 2'500.00      
      Annual commission applied for card maintenance %               0.00                
      Annual commission applied for card maintenance MAX 5'500.00 2'500.00 1'200.00   2'674.00   1'500.00 3'000.00 2'500.00 2'000.00   1'500.00        
      Issuing a new card upon the expiry of the old one (at a value)   2'500.00           0.00   2'000.00       1'500.00    
      Providing new PIN (at a value) 1'000.00 600.00 200.00   668.50   1'000.00 350.00 500.00 600.00 700.00 700.00 1'000.00 1'000.00   700.00
      Cash withdrawal at bank terminals MIN 200.00 400.00 200.00   401.10   500.00 500.00 200.00 600.00 300.00   400.00      
      Cash withdrawal at bank terminals % 1.00 1.50 2.00   2.50   2.00 2.00 1.00 2.00 1.25 2.50 2.00      
      Cash withdrawal at bank terminals MAX   800.00                       200.00    
      Cash withdrawal at other banksí terminals MIN 400.00 500.00 300.00   401.10   500.00 500.00 400.00 600.00 500.00   400.00      
      Cash withdrawal at other banksí terminals % 2.50 2.00 2.00   2.50   2.50 2.00 2.50 2.75 1.25 3.00 2.75      
      Cash withdrawal at other banksí terminals MAX   1'000.00 300.00                     500.00    
      Cash withdrawal at bank terminals abroad MIN 400.00 600.00 500.00   401.10   500.00 500.00 500.00 600.00 500.00   400.00      
      Cash withdrawal at bank terminals abroad % 2.50 2.50 2.00   2.50   2.50 3.00 2.50 2.75 2.00 3.00 3.00      
      Cash withdrawal at bank terminals abroad MAX   1'200.00                       500.00    
      POS payments domestically               0.00                
      POS payments abroad (in %)               0.00 1.50 1.00            
      Card blocking               0.00 500.00             100.00
      Penalising interest on default MIN                                
      Penalising interest on unpaid liability % 10.00 2.50     42.00   35.00 36.00 10.00 0.50 33.00 10.00 10.00 36.00    
      Penalising interest rates on unpaid liability MAX                                
    Debit cards AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing card according to terms and conditions (at a value)     500.00         0.00 400.00       300.00 500.00    
      Annual commission applied for card maintenance (at a value) 1'500.00 1'200.00       500.00 1'800.00 0.00 700.00   1'500.00 600.00        
      Issuing new card upon the expiry of the old one (at value)               0.00 400.00         500.00    
      Providing new PIN (at a value) 250.00 500.00 200.00   750.00   1'000.00 350.00 700.00 600.00 200.00 500.00   500.00   700.00
      Cash Withdrawal at bank terminals MIN               0.00                
      Cash Withdrawal at bank terminals %               0.00                
      Cash Withdrawal at bank terminals MAX     100.00         0.00 75'000.00              
      Cash Withdrawal at other banksí terminals MIN 300.00 200.00     200.00 250.00   450.00 300.00   300.00   350.00 350.00   100.00
      Cash Withdrawal at other bankís terminals % 2.50 1.50       1.00   2.00 2.00   1.25 3.00 1.50 2.00    
      Cash Withdrawal at other bankís terminals MAX   800.00 300.00       200.00     150.00           100.00
      Cash Withdrawal at terminals abroad MIN 300.00 500.00 300.00   500.00 350.00   450.00 500.00   300.00   400.00 350.00    
      Cash Withdrawal at terminals abroad% 2.50 2.50 2.00   2.00 2.00 2.50 2.00 2.00   2.00 3.00 2.50 2.00    
      Cash Withdrawal at terminals abroad MAX   1'000.00             1'000.00              
      POS payments domestically               0.00                
      POS payments abroad MIN 100.00 70.00       120.00   0.00 200.00 100.00            
      POS payments abroad% 2.00 1.00 2.00     1.00 2.50 0.00 1.50 0.50 1.50 2.50 1.00      
      POS payments abroad MAX               0.00                
      Card blocking of (at a value)               0.00     500.00   400.00     100.00
Commissions on bank cheques
    Bank cheque AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing bank cheques to bank customers MIN 1'500.00 1'000.00   200.00     2'005.50 200.00 682.50 500.00   1'000.00 2'674.00 500.00    
      Issuing bank cheques to bank customers % 0.15 0.10   0.10     0.20 0.10 0.10 0.10     0.20 0.10 0.12  
      Issuing bank cheques to bank customers MAX 15'000.00 3'000.00   1'000.00 668.50 50.00 26'740.00 1'000.00 13'991.00 1'500.00   3'000.00 26'740.00 2'500.00   700.00
      Issuing bank cheques to non-customers of bank MIN 2'000.00     500.00     3'342.50   1'365.00     1'000.00   1'000.00    
      Issuing bank cheques to non-customers of bank % 0.20     0.10     0.25   0.20         0.20    
      Issuing bank cheques to non-customers of bank MAX       1'500.00     33'425.00   13'991.00     3'000.00   3'500.00    
      Issuing travellerís cheques to bank customers MIN                                
      Issuing travellerís cheques to bank customers %                                
      Issuing travellerís cheques to bank customers MAX                                
      Issuing travellerís cheques to non-customers of bank MIN                                
      Issuing travellerís cheques to non-customers of bank %                                
      Issuing travellerís cheques to non-customers of bank MAX                                
      Accepting personal cheques issued by the bankís customers MIN               0.00       300.00        
      Accepting personal cheques issued by the bankís customers %               0.00       0.10        
      Accepting personal cheques issued by the bankís customers MAX               0.00       1'500.00        
      Accepting personal cheques issued by other banks to customers MIN 2'000.00 700.00         1'337.00 0.00 2'098.65   500.00 500.00 1'337.00 200.00 1'000.00 1'500.00
      Accepting personal cheques issued by other banks to customers % 0.15 0.10         0.20 0.00 0.20   0.10 0.15 0.10 0.10 0.20 0.20
      Accepting personal cheques issued by other banks to customers MAX 10'000.00 13'300.00         20'055.00 0.00 13'991.00   2'500.00 5'000.00 13'370.00 1'500.00 3'000.00 2'000.00
      Accepting personal cheques issued by other banks to non-customers MIN 3'000.00           2'674.00   2'798.20     500.00   200.00    
      Accepting personal cheques issued by other banks to non-customers % 0.15           0.20   0.40     0.15   0.10 0.00  
      Accepting personal cheques issued by other banks to non-customers MAX             26'740.00   20'986.50     5'000.00   1'500.00    
      Accepting cheques issued by other banks to customers MIN 1'000.00 700.00         1'337.00 0.00 2'098.65 200.00   500.00   200.00 1'000.00  
      Accepting cheques issued by other banks to customers % 0.10 0.10         0.20 0.00 0.20 0.15   0.15   0.10 0.20  
      Accepting cheques issued by other banks to customers MAX 3'000.00 14'000.00         20'055.00   13'991.00 1'500.00   5'000.00   1'500.00 3'000.00  
      Accepting cheques issued by other banks to non-customers MIN 3'000.00           2'674.00   2'798.20   700.00 500.00   200.00    
      Accepting cheques issued by other banks to non-customers % 0.15           0.20   0.40   0.20 0.15   0.10    
      Accepting cheques issued by other banks to non-customers MAX             26'740.00   20'986.50   3'000.00 5'000.00   1'500.00    
      Accepting travellerís cheques issued for the bank customers MIN         133.70           150.00          
      Accepting travellerís cheques issued for the bank customers %         1.00           1.00          
      Accepting travellerís cheques issued for the bank customers MAX                                
      Accepting travellerís cheques issued for non-customers of the bank MIN                                
      Accepting travellerís cheques issued for non-customers of the bank %                                
      Accepting travellerís cheques issued for non-customers of the bank MAX                                
      Return of uncashed cheque (at value)   1'120.00           3'500.00 2'798.20     1'000.00     30.00  
      Stopping cheque payment (at value)             1'337.00 3'500.00 2'798.20           30.00 700.00
Commissions on deposits and current accounts
    Current account AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening of the current account (at a value) 1'000.00         1'000.00   0.00                
      Monthly commission applied for account maintenance MIN 50.00 150.00   116.66   50.00   0.00   150.00   150.00 150.00   50.00  
      Monthly commission applied for account maintenance %               0.00                
      Monthly commission applied for account maintenance MAX       116.66 100.00 1'000.00 150.00 150.00 139.91 500.00 150.00 150.00   100.00 50.00 166.66
      Closing the current account after 12 months (at a value)   700.00           1'500.00 699.55     700.00 700.00     700.00
      Closing the current account within a year (at a value) 4'150.00 700.00   700.00 700.00     1'500.00 1'399.10     700.00 700.00   1'200.00 700.00
      Bank confirm on a bank agreement and account balance (at a value) 4'150.00 700.00   500.00 1'000.00 500.00 1'000.00 500.00 1'399.10 500.00 1'000.00 2'000.00   1'000.00 700.00 700.00
      Account statement MIN 700.00     300.00       0.00 20.00   0.00 200.00     0.00  
      Account statement %               0.00                
      Account statement MAX 3'500.00 140.00   2'000.00 250.00 1'000.00   200.00   300.00   200.00 150.00 200.00   100.00
    Demand deposits AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening a demand deposit (at a value) 5'000.00             0.00                
      Monthly commission applied for account maintenance MIN         27.00     0.00 69.95     16.60 150.00      
      Monthly commission applied for account maintenance%               0.00     10.00          
      Monthly commission applied for account maintenance MAX         27.00     0.00     75.00 16.60        
      Closing the demand deposit within the year (at a value) 1'000.00 700.00           1'500.00 1'399.10   500.00 500.00 700.00      
      Closing the demand deposit after a year (at a value) 1'000.00 700.00           0.00     500.00 500.00 700.00      
    Time deposits AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission applied for opening a time deposit               0.00                
      Commission applied for renovation of a time deposit             50.00 0.00                
      Penalty applied for account closing before maturity MIN               0.00                
      Penalties applied for account closing before maturity %               100.00   0.90            
      Penalties appliedfor account closing before maturity MAX               0.00                
Commissions on loans
    Home loans AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission for application MIN         4'011.00       2'000.00              
      Commission for application %                                
      Commission for application MAX         6'685.00       2'000.00              
      Commission applied for disbursement MIN 27'000.00 20'000.00         30'000.00   28'000.00   25'000.00 0.00 14'000.00      
      Commission applied for disbursement % 1.00 1.00 0.50   1.00 1.00 0.75 1.00 1.00 1.00 1.25 0.75 1.00 1.00 2.00 2.00
      Commission applied for disbursement MAX     1.00           1.00   100'000.00 0.00        
      Commission applied for the credit account servicing/maintenance (at a value) 50.00   100.00   100.00         325.00     150.00     166.66
      Commission applied for loan prepayment (partial/total) MIN               1.00 1.00 15'000.00         1.00  
      Commission applied for loan prepayment (partial/total) %   2.00 1.00     2.00 2.00 2.00   3.00 2.00 2.00 2.00 2.00 1.00 2.00
      Commission applied for loan prepayment (partial/total) MAX     2.00           2.00           2.00  
      Commission applied for product change MIN               0.00       4'200.00        
      Commission applied for product change %                                
      Commission applied for product change MAX             21'000.00         4'200.00        
      Commission applied for loan contract change MIN               7'000.00 7'000.00 1'500.00   1'361.30     1'500.00  
      Commission applied for loan contract change %         1.50     0.50 0.55              
      Commission applied for loan contract change MAX   7'000.00       10'802.40 21'000.00   7'000.00 3'000.00   1'361.30 7'000.00      
      Commission applied for loan purpose change (in %)               0.50                
      Commission applied for loans restructuring MIN                       1'361.30        
      Commission applied for loans restructuring %         1.50                 0.50 1.00  
      Commission applied for loans restructuring MAX             21'000.00         1'361.30 4'200.00      
      Penalties applied for delayed payment MIN           1'000.00                    
      Penalties applied for delayed payment % 5.00 25.00 0.05   20.00 15.00 10.00 48.00 3.00 36.00 48.00 20.00 5.00 3.00 2.00 18.00
      Penalties applied for delayed payment MAX               0.00             2.00  
    Consumer loan with mortgage AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission for application MIN         4'011.00     0.00 1'000.00              
      Commission for application %               0.00                
      Commission for application MAX         6'685.00     0.00 1'000.00              
      Disbursement Commission MIN 14'000.00 7'000.00       5'000.00 30'000.00   14'000.00   25'000.00   10'000.00   1.00  
      Disbursement Commission % 1.50 1.00 0.50   1.00 1.00 0.75   2.00 1.00 1.25 1.50 1.50 1.50   2.00
      Disbursement Commission MAX     1.00         1.50     100'000.00       2.00  
      Commission applied for the credit account serving /maintenance e MIN 50.00       100.00     0.00         150.00      
      Commission applied for the credit account serving /maintenance %     100.00         0.00                
      Commission applied for the credit account serving /maintenance MAX               0.00   325.00           166.66
      Commission applied for the pre-payment of the loan (partial/total) MIN               1.00   15'000.00         0.50  
      Commission applied for the pre-payment of the loan (partial/total) % 0.00   0.50       1.00 2.00 1.00 3.00 2.00 2.00 2.00 2.00 0.50 2.00
      Commission applied for the pre-payment of the loan (partial/total) MAX     1.00           2.00           1.00  
      Commission applied for the product change MIN                       4'200.00        
      Commission applied for the product change %                                
      Commission applied for the product change MAX         1.50   21'000.00         4'200.00        
      Commission applied for the change of credit contract MIN               6'685.00 7'000.00     1'361.30     1'000.00  
      Commission applied for the change of credit contract %               0.50 0.55              
      Commission applied for the change of credit contract MAX   7'000.00       10'802.40 21'000.00     3'000.00   1'361.30 7'000.00      
      Commission applied for the change of credit purpose (in %)         1.50     0.50                
      Commission applied for credits restructuring MIN                       1'361.30        
      Commission applied for credits restructuring%                           0.50 1.00  
      Commission applied for credits restructuring MAX             21'000.00         1'361.30 4'200.00      
      Penalties applied on delayed payment (in %) 10.96 25.00 5.00   20.00 15.00 10.00 48.00 3.00 36.00 48.00 20.00 5.00 3.00 2.00 18.00
    Unsecured Consumer loans AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Administration commission MIN 4'000.00         5'000.00 6'500.00       3'000.00       1.00  
      Administration commission % 2.00 2.00     1.00 1.00     2.00 2.00 2.00 2.00 2.00 1.50   2.00
      Administration commission MAX   3'000.00         13'000.00 2.00     20'000.00       2.00  
      Penalties applied for delayed payment of loan installment (in %) 14.86 30.00 5.00   20.00 15.00 10.00 48.00 3.00 36.00 48.00 20.00 10.00 3.00 2.00 18.00
      Commissions applied for prepayment MIN                   15'000.00         0.50  
      Commissions applied for prepayment %     0.50       1.00 0.50   3.00 1.00 1.00       2.00
      Commissions applied for prepayment MAX     1.00         1.00 1.00           1.00  
    Overdraft AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Administration commission MIN             1'000.00                  
      Administration commission % 0.00 1.00     2.00 2.00 2.00   2.00             2.00
      Administration commission MAX   3'000.00         112'000.00   3'000.00           4'250.00  
      Penalties applied for delayed payment of loan installment (in %) 24.00 30.00 10.00   36.00 2.00 27.00 48.00 3.00 30.00 27.45 20.00 10.00 3.00   18.00
      Commissions applied for prepayment MIN                   15'000.00            
      Commissions applied for prepayment %                   3.00            
      Commissions applied for prepayment MAX                                
Commissions on payments
    Outgoing payments domestically in ALL AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Within the Bank to bank customers MIN                     100.00          
      Within the Bank to bank customers %                     0.00          
      Within the Bank to bank customers MAX                 416.79 50.00 100.00     25.00    
      Within the Bank to non-customers of bank MIN                                
      Within the Bank to non-customers of bank %                                
      Within the Bank to non-customers of bank MAX 0.00                              
      Payments through AECH to bank customers MIN 500.00     500.00 400.00 50.00   0.00     500.00 500.00 150.00 250.00 200.00 500.00
      Payments through AECH to bank customers % 0.00                       0.10   0.10  
      Payments through AECH to bank customers MAX 500.00 500.00 500.00 500.00 400.00 1'000.00 500.00 300.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 1'250.00
      Payments through AECH to non-customers of the bank MIN 500.00     500.00   50.00                 200.00 500.00
      Payments through AECH to non-customers of the bank % 0.00   500.00                       0.10  
      Payments through AECH to non-customers of the bank MAX 500.00 500.00   500.00   1'000.00 500.00 500.00 500.00         500.00 500.00 1'250.00
      Payments through AIPS to customers of the bank MIN 1'500.00   1'500.00 1'500.00 1'000.00 200.00   1'200.00     500.00 1'500.00   1'000.00 200.00 1'500.00
      Payments through AIPS to customers of the bank %                     0.03       0.10  
      Payments through AIPS to customers of the bank MAX 1'500.00 1'500.00 1'500.00 1'500.00 1'000.00 1'000.00 1'500.00 1'500.00 1'500.00   1'500.00 1'500.00   1'500.00 1'500.00 3'500.00
      Payments through AIPS to non-customers of the bank MIN 1'500.00     1'500.00   200.00                 200.00 1'500.00
      Payments through AECH to non-customers of the bank %                             0.10  
      Payments through AECH to non-customers of the bank MAX 1'500.00 1'500.00 1'500.00 1'500.00   1'000.00 1'500.00 1'500.00 1'500.00         1'500.00 1'500.00 3'500.00
    Outgoing payments in foreign currency AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Bank customers MIN                                
      Bank customers %                                
      Bank customers MAX                                
      Non- Bank customers MIN                                
      Non- Bank customers %                                
      Non- Bank customers MAX                                
    Incoming payments in foreign currency AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Bank customers MIN 0.00                     0.00        
      Bank customers % 0.00                              
      Bank customers MAX 0.00                              
      Non-customers of the Bank MIN 0.00                              
      Non-customers of the Bank % 0.00                              
      Non-customers of the Bank MAX                                
      SWIFT commission MIN 0.00                              
      SWIFT commission % 0.00                              
      SWIFT commission MAX 0.00                              
Commissions on salary account
    Salary account AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening the salary account               0.00                
      Monthly commission applied for account maintenance (at a value)   100.00     100.00   150.00 0.00 75.00 500.00 125.00 150.00 125.00 80.00 50.00 116.67
      Closing salary account (at a value) 700.00             500.00 2'000.00     700.00 700.00   1'200.00  
      Issuing a debit card (type)     500.00         0.00         100.00      
      Using a debit card at bank ATMs     25.00         0.00                
      Using debit a card at domestic POSes               0.00                
      Using debit card at POS abroad MIN 100.00 70.00       120.00   0.00 200.00 100.00            
      Using debit card at POSes abroad % 2.00 1.00 2.00     1.00 2.50 0.00 1.50 0.50 1.50 2.50 0.50      
      Using debit card at POS abroad MAX               0.00                
    Student account AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening a student account (at a value)               0.00                
      Monthly commission applied for account maintenance (at e value)   50.00     100.00     0.00 50.00   50.00   50.00   50.00  
      Closing the student account (at a value)   700.00           500.00 500.00       700.00   1'200.00  
      Issuing a debit card (type)     300.00         0.00                
      Using debit cards at bank ATMs     1.00         0.00                
      Using debit cards at POSes abroad MIN 100.00 70.00       120.00   0.00 200.00   0.00          
      Using debit card at POSes abroad % 2.00 1.00 1.00     1.00   0.00 1.50   1.50          
      Using debit card at POSes abroad MAX               0.00         1.50      
      Using a debit card at domestic POSes (in%)               0.00 2.00              
Other commissions
    E-Banking AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission applied for registration (at a value) 0.00 0.00                 0.00 200.00        
      Monthly commission (at a value) 0.00 100.00     267.40   133.70       0.00 150.00   100.00   300.00
      Annual commission (at a value) 0.00                   0.00          
      Annual commission applied for OTV equipment (at a value) 0.00           668.50       0.00 0.00 1'000.00 500.00    
      Commission per transaction (at a value) 0.00   20.00               0.00 0.00        
    Foreign exchange AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      From bankís accounts                                
      Cash 690.00           1'000.00                  
      Foreign currency exchange to another foreign currency             1'000.00                  
    Payments from budget AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Payments from the account to budget accounts committed from customers (at a value) 50.00 50.00     50.00 50.00 50.00   100.00 50.00 100.00     50.00 50.00  
      Cash payments to budget account paid by customers (at value) 200.00 100.00     100.00 50.00 150.00   0.00 100.00 200.00   100.00 3'000.00 150.00  
      Payments to budget accounts to non-customers (at a value) 200.00 150.00     200.00 500.00 200.00   200.00     300.00 150.00 3'000.00 200.00 300.00
      Payment by students to budget accounts (at a value) 0.00 50.00     50.00 50.00 0.00   100.00   100.00 300.00 150.00 150.00 200.00  
      Cash payment of local taxes (at a value) 200.00 100.00     100.00 50.00 200.00   100.00   200.00 300.00 150.00 150.00 200.00  
    T-Bills AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission MIN   1'000.00     1'000.00   1'000.00     1'500.00     3'000.00      
      Commission %   0.10     0.15   0.15     0.15            
      Commission MAX   5'000.00     5'000.00   5'000.00     5'000.00     5'000.00      
    Cash deposit for the third party account (no budget, no student) AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Bank customers MIN 150.00 100.00         100.00   50.00   125.00   150.00   100.00  
      Bank customers % 0.10 0.10         0.10                  
      Bank customers MAX 14'000.00                 100.00 200.00   150.00 100.00 100.00  
      Non-customers of Bank MIN 150.00 100.00         100.00       250.00 300.00 250.00   100.00  
      Non-customers of Bank % 0.10 0.10         0.10         0.10        
      Non-customers of Bank MAX 14'000.00               200.00 100.00 275.00 300.00 250.00 100.00 100.00  

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