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INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES) Savings Account (%) SNo. BANK Less than K1,000 More than K1,000 Time Deposits of K10,000 or above (%) 30 Days Tenure 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure 1 AB Bank Zambia Limited 6.00 6.00 9.00 10.00 12.00 14.00 upto 364 days 17%, 365 days and above 20% 2 Access Bank Zambia Limited 3.00 4.00 16.75 17.00 17.25 17.50 18.50 3 BancABC Zambia Limited 2.00 2.00 5.00 5.50 6.50 6.65 7.00 4 Bank of China Zambia Limited 5 Barclays Bank Zambia Plc NIL 1.50 NIL various 0.10 6.00 0.10 NIL 0.10 8.00 0.20 10.50 0.30 12.00 6 Cavmont Bank Limited 3.00 3.00 3.00 4.00 5.00 5.50 8.00 7 Citibank Zambia Limited N/A N/A Max. 12.00 Max. 12.00 Max. 12.00 Max. 12.75 Max. 14.50 8 Ecobank Zambia Limited 3.00 3.00 9.80 10.80 11.60 12.80 14.90 9 Finance Bank Zambia Limited 2.00 2.00 5.00 5.50 6.50 6.65 7.00 3.00 3.00 N/A N/A N/A 6.00 6.00 3.00 3.00 11.00 12.00 13.00 14.25 15.50 2.50 4.00 4.50 5.00 6.00 7.00 10 11 12 First Alliance Bank Zambia Limited First Capital Bank Zambia Limited First National Bank Zambia Limited 13 Indo-Zambia Bank Limited 3.50 2.50 3.5% to 6% based on Account Type 5.00 5.00 6.00 7.00 8.00 14 Intermarket Banking Limited 15 Investrust Bank Plc 3.00 3.00 5.00 7.00 8.00 9.50 10.50 16 Stanbic Bank Zambia Limited NIL 1.50 13.00 13.50 14.00 14.50 16.00 2.00 3.00 8.00 9.00 10.00 10.00 10.00 11.00 11.00 12.00 13.00 15.00 2.00 8.00 8.00 11.00 12.00 13.50 17 18 19 Standard Chartered Bank Zambia 1.00 Plc United Bank for Africa (Z) Limited3.00 Zambia National Commercial 2.00 Bank Plc INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES ) SNo. BANK BOZ Policy Rate (BPR (%) PERSONAL LOANS (%) Other Loans Salary Backed Margin above BOZ Rate Lending Interest Rate Margin above BOZ Rate MORTGAGE LOANS (%) Lending Interest Rate Margin above BOZ Rate Lending Interest Rate LENDING TO SMEs (%) Margin above BOZ Rate Lending Interest Rate 1 AB Bank Zambia Limited 14.00 23.90 24.04 N/A N/A N/A N/A 62.79 77.54 2 Access Bank Zambia Limited 14.00 13.88 28.88 13.88 28.88 N/A N/A 17.74 32.74 19.00 (maxium margin) 33.00 (Policy rate plus margin) N/A N/A 19.00 (maxium margin) 33.00 (Policy rate plus margin) 3 BancABC Zambia Limited 14.00 19.00 (maxium margin) 33.00 (Policy rate plus margin) 4 Bank of China Zambia Limited 14.00 0-15.50 16.00 0-15.50 16.00 0-15.50 16.00 0-15.50 16.00 5 Barclays Bank Zambia Plc 14.00 16.00 30.00 N/A N/A 13.00 27.00 N/A N/A 6 Cavmont Bank Limited 14.00 19.50 34.50 19.50 34.50 19.50 34.50 19.50 34.50 7 Citibank Zambia Limited 14.00 N/A N/A N/A N/A N/A N/A N/A N/A 8 Ecobank Zambia Limited 14.00 19.50 35.00 19.50 35.00 N/A N/A 19.50 35.00 9 Finance Bank Zambia Limited 14.00 19.00 (maxium margin) 33.00 (Policy rate plus margin) 19.00 (maxium margin) 33.00 (Policy rate plus margin) N/A N/A 19.00 (maxium margin) 33.00 (Policy rate plus margin) 10 First Alliance Bank Zambia Limited 15.50 9.00 22.00 9.00 22.00 N/A N/A 9.00 22.00 11 First Capital Bank Zambia Limited 14.00 22.00 36.00 22.00 36.00 NIL NIL 22.00 36.00 12 First National Bank Zambia Limited 15.50 8.75 20.50 Incl Above Incl Above 6.40 16.00 11.00 20.50 13 Indo-Zambia Bank Limited 14.00 20.50 34.50 20.50 34.50 20.50 34.50 21.50 35.50 14 Intermarket Banking Limited 14.00 15 Investrust Bank Plc 14.00 25.00 39.00 25.00 39.00 N/A N/A 25.00 39.00 16 Stanbic Bank Zambia Limited 14.00 24.50 38.50 24.50 38.50 14.50 28.50 23.00 37.00 17 Standard Chartered Bank Zambia 14.00 Plc 17.00 31.00 16.00 30.00 12.00 26.00 16.00 30.00 18 United Bank for Africa (Z) Limited14.00 10.00 24.00 NIL NIL 5.00 19.00 17.50 31.50 19 Zambia National Commercial Bank Plc 18.49 33.25 21.50 36.25 15.50 30.25 17.59 32.34 14.75 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM MONTHLY MAINTENANCE FEES (ZMW) MINIMUM BALANCE (ZMW) SNo. BANK Current Account Basic Type High-end Market Type Savings Account Basic Type High-end Market Type Basic Type PENALTY FEES FOR BALANCES BELOW MINIMUM (ZMW) High-end Market Type Basic Type High-end Market Type 1 AB Bank Zambia Limited NIL NIL NIL NIL NIL NIL NIL NIL 2 Access Bank Zambia Limited 30.00 100.00 30.00 30.00 15.00 50.00 NIL 50.00 3 BancABC Zambia Limited 40.00 N/A 20.00 N/A 50.00 N/A N/A N/A 4 Bank of China Zambia Limited 25.00 25.00 25.00 25.00 500.00 500.00 75.00 75.00 5 Barclays Bank Zambia Plc 55.00 300.00 30.00 NIL 500.00 200,000.00 5.00 PER DAY 5.00 PER DAY 6 Cavmont Bank Limited 70.00 100.00 35.00 80.00 30.00 2,000.00 30.00 7 Citibank Zambia Limited NIL NIL NIL NIL N/A N/A N/A N/A 8 Ecobank Zambia Limited 50.00 200.00 15.00 NIL 50.00 1,000.00 9 Finance Bank Zambia Limited NIL N/A 20.00 N/A 50.00 1,000.00 20.00 per incident 100.00 per incident 10 First Alliance Bank Zambia Limited N/A N/A N/A 250.00 INDIVIDUAL, 1,000.00 CORPORATE NIL 15.00 N/A 11 First Capital Bank Zambia Limited ZMW 25.00 PER MONTH WHERE MIN BAL OF USD 1,000 IS NOT MAINTAINED. 100.00 100.00 50.00 50.00 NIL 5,000.00 500.00 500.00 12 First National Bank Zambia Limited 25.00 120.00 12.00 N/A 50.00 N/A N/A N/A 13 Indo-Zambia Bank Limited 100.00 NIL 5.00 30.00 40.00 500.00 25.00 25.00 14 Intermarket Banking Limited 15 Investrust Bank Plc 100.00 N/A 30.00 N/A 30.00 N/A 20.00 N/A 16 Stanbic Bank Zambia Limited 63.00 300.00 NIL 2.00 60.00 NIL NIL NIL 17 Standard Chartered Bank Zambia 50.00 Plc 60.00 50.00 50.00 500.00 SAVINGS 1,500.00 CURRENT 500.00 50.00 50.00 18 United Bank for Africa (Z) Limited30.00 55.00 5.00 10.00 20.00 7,500.00 NIL NIL 19 Zambia National Commercial Bank Plc 50.00 Personal, 40.00 Personal, 50.00 Personal, 95.00 50.00 Personal, K100.00 SME 80.00 SME SME 500.00 SME 750.00 for Personal, 1,200.00 for SME 50.00 per occurrence 50.00 or equivalent for Personal & 100.00 or equivalent for SME 5 N/A INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND FUNDS TRANSFERS SNo. BANK WITHDRAWAL (ZMW) ATM Per Transaction Over the counter Own Bank 1 AB Bank Zambia Limited 2 Access Bank Zambia Limited 0.30%, 4 Withdraws on Saving Acc free, 0.60% bulk cash withdrawls on Current Acc & 0.65% on Savings Acc 6.00 3 BancABC Zambia Limited 4 Bank of China Zambia Limited 20.00 5 6 7 8 9 Citibank Zambia Limited Inward Clearance Internal N/A 5.00 5.00 N/A N/A 10.00 5.00 NIL NIL NIL NIL 30.00 NIL NIL NIL 0.60% MIN. USD 30, MAX USD130 (Shared), + USD 25 CORRESPONDENT BANK FEE NIL 1% Min USD30, Max USD 250 NIL 12 13 Indo-Zambia Bank Limited 14 Intermarket Banking Limited 15 Investrust Bank Plc 16 Stanbic Bank Zambia Limited USD 50.00 SWIFT and ZMW75.00 RTGS N/A N/A N/A N/A 50.00 N/A NIL NIL 70.00 NIL USD7.00 or kwacha equivalent 1% min zmk 151.5 (includes USD 15 swift charge) NIL 0.8%, MIN USD30.00, MAX 250.00 1% min zmk 151.5 (includes USD 15 swift charge) 1% (Minimum USD30, Maximum USD150) N/A N/A N/A N/A 50.00 5.00 7.00 20.00 NIL NIL NIL 20.00 FCY only 1.5% min USD15.00 5.00 10.00 10.00 N/A N/A N/A N/A 50.00 N/A N/A N/A N/A NIL NIL NIL NIL 20.00 NIL 58.00 2.00 9.00 11.00 NIL NIL NIL NIL 1% Min USD30.00, Max USD100 NIL 0.75% Min $20 MAX $150 1% Min USD30.00, Max USD100 OTWARD TT's USD 35.00, INWARD TT's USD 10.00 PLUS CORRESPONDENT FEE 7.00 7.00 10.00 BUREAUS 0.2%; OTHERS NIL FOR AMOUNTS UP TO 150,000.00; ABOVE 150,000.00 CHARGE IS 150.00 NIL NIL NIL 50.00 NIL NIL NIL NIL 50.00 NIL N/A N/A NIL 60.00 5.00 NIL NIL 5.00 7.50 25.00 10.00 3.00 N/A N/A 130.00 7.50 19.50 32.50 N/A NIL UP TO 5,000 THEREAFTER 0.25% OF VALUE NIL NIL NIL FREE UPTO K50,000 (K3.00 PER K5,000.00 OR PART THEREOF MAX K150.00) 30.00 6.00 12.00 25.00 40.00 8.00 15.00 25.00 0.0 (100.00 - WITHIN ATM LIMIT) Standard Chartered Bank Zambia Plc 100.00 United Bank for Africa (Z) Limited NIL Zambia National Commercial Bank Plc 1% Min USD30, Max USD 250 1% OF TRNSACTION Finance Bank Zambia Limited First Alliance Bank Zambia Limited Telegraphic Outwards Clearance 0.15% MIN.K10.00: MAX K100.00 Ecobank Zambia Limited First National Bank Zambia Limited 19 Other Banks Cavmont Bank Limited First Capital Bank Zambia Limited 18 Own Bank Over The Counter Electronic Barclays Bank Zambia Plc 11 17 International FUNDS TRANSFERS (ZMW) DEPOSIT (ZMW) Cheque 0.05% if amount more than 200,000.00 NIL 30.00 10 Other banks Cash 100.00 7.00 NIL N/A N/A N/A 100.00 500.00 150.00 BRANCH 60.00; 1% OF VALUE OR ELECTRONIC MIN 190.00 3.00 DDACC (INDIVIDUALS FREE, OTHERS NIL K25.00) AND RTGS K40.00 NIL 0.5% OF T.T AMT MIN USD60 MAX USD250 N/A 0.5% OF AMOUNT, MIN USD20, MAX USD150 PLUS SWIFT CHARGE USD30 500.00 1.2% MIN 55.00; MAX 70.00 PLUS VAT 7.00 11.00 17.00 NIL NIL NIL NIL 30.00 55.00 8.00 N/A 25.00 NIL NIL NIL NIL 1% MIN 50.00, MAX 250.00 NIL 1% MIN USD 50.00, MAX USD250 3.00 13.00 15.00 NIL NIL NIL NIL 35.00 NIL 0.5% MIN 50.00; MAX 130.00 10.00 Personal SME 15.00 15.00 + 1.5% , max 50.00 for Personal, 15.00 + 1.5% max 50.00 for SME NA DDACC 50.00 for Personal & SME RTGS 50.00 for Personal & SME Electronic (payflexi) 15.00 for SME 0.75% of amount,min $45, max $150 or 10.00 for ZMW equivalent personal, 5.00 for Personal & for SME SME 50.00 for Personal SME Savings & Savers monthly 4 free withdrawal 50.00 for extra withdrawals Excessive encashment of 25,000.00 and above = 250.00 plus 0.2% for amount above 25,000.00 plus VAT for both Personal 8.00 Personal, & SME 9.00 SME 10.00 for personal; free for Personal & SME 10.00 for SME free for Personal & SME INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 PAYMENTS FOR OTHER SERVICES AND UNPAID CHEQUES PAYMENTS FOR OTHER SERVICES SNo. BANK Certificate of Balance 1 AB Bank Zambia Limited 2 Access Bank Zambia Limited 3 N/A UNPAID CHEQUES (ZMW) Interim statements per page Bankers' cheque Stop cheque payment 60.00 120.00 25.00 Standing order NIL NIL Duplicate statement per page 25.00 Standard Bank of China Zambia Limited 5 Barclays Bank Zambia Plc 6 Cavmont Bank Limited 7 Citibank Zambia Limited 8 Ecobank Zambia Limited Drawing against uncleared effects BOZ Charges N/A N/A 50.00 NIL 510.00 (individual) and 840.00 (Corprates) NIL 1% of amount drawn, Min K300.00 250.00 80.00 80.00 150.00 30.00 100.00 200.00 20.00 75.00 N/A 15.00 510.00 Individual and 840.00 Corprates NIL Min 1,000.00 NIL NIL 20.00 20.00 5.00 NIL NIL NIL 350.00 NIL 20.00 per page 20.00 per page 510.00 510.00 840.00 (companies) 510.00 (individuals) Not authorised 200.00 N/A 250.00 75.00 Customer 70.00 ;Non-customer 200.00 80.00 per item 50.00 per page 840.00 (companies) 510.00 (individuals) 200.00 70.00 104.00 150.00 20.00 30.00 30.00 10.00 100.00 N/A 30.00 NIL 20.00 20.00 20.00 20.00 NIL 840.00 (corporate) N/A 175.00 70.00 90.00 120.00 65.00 15.00 30.00 15.00 510.00 750.00 250.00 150.00 60.00 25.00 30.00 BELOW 6 MONTHS 50,00 ABOVE 6 MONTHS 20.00 340.00 340.00 250.00 PLUS INTEREST 25.00 50.00 10.00 10.00 N/A 510.00 INDIVIDUAL 840.00 CORPORATE NIL NIL 80.00 FOR FBZ CUSTOMERS; 100.00 FOR NONFBZ CUSTOMERS Finance Bank Zambia Limited 50.00 N/A 11 First Capital Bank Zambia Limited 250.00 150.00 60.00 150.00 60.00 50.00 50.00 12 First National Bank Zambia Limited 110.00 70.00 165.00 60.00 online and 275.00 FNB Branch Free Online and 33.50 FNB Branch 45.00 45.00 13 Indo-Zambia Bank Limited 14 Intermarket Banking Limited 15 Investrust Bank Plc 16 Stanbic Bank Zambia Limited 17 Standard Chartered Bank Zambia Plc 18 United Bank for Africa (Z) Limited 20.00 FOR 25 LEAVES, 75.00 FOR 100 LEAVES First Alliance Bank Zambia Limited Zambia National Commercial Bank Plc Uncleared effects N/A 60.00 19 Refer to Drawer 80.00 with Police report, 350.00 without Police report 20.00 150.00 10 Photocopying per page BancABC Zambia Limited 4 9 60.00 Replacement of lost ATM card 840.00 10.00 per page N/A 5% 510.00 510.00 AS PER ZECHL PREVAILING RULES 405.00 1000.00 100.00 250.00 50.00 30.00 per page 30.00 per page 5.00/- per page AS PER ZECHL PREVAILING RULES 200.00 50.00 Plus VAT 8.00 100.00 + VAT 16.00 350.00 40.00 40.00 50.00 10.00 504.00 420.00 95.00 198.00 550.00 28.00 60.00 60.00 45.00 AS PER STATUTORY INSTRUCTION 504.00 AS PER STATUTORY INSTRUCTION 1% MIN 160.00, MAX 500.00 1000.00 150.00 PER OCCASION 100.00/-Card 100.00 100.00 100.00 300.00 20.00 100.00 100.00 N/A 510.00 INDIVIDUAL & 840.00 NON INDIVIDUAL 510.00 INDIVIDUAL & K840.00 NON INDIVIDUAL 150.00 70.00 65.00 150.00 NIL 20.00 20.00 10.00 560.00 560.00 200.00 plus VAT for Personal & SME 60.00 plus VAT 100.00 per 200.00 plus VAT for for Personal : Free for Personal & cheque for Personal, 300.00 plus 100.00 plus VAT SME Personal & SME VAT for SME for SME 50.00 plus VAT per statement for Personal & 100.00 plus VAT per statement for SME 50.00 plus VAT per statement for Personal & 100.00 NA plus VAT per statement for SME 510.00 per item for Personal, 840.00 per NA item for SME N/A NIL NA INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 LEDGER FEES PER ENTRY, INTERNET AND TELEPHONE BANKING LEDGER FEES PER ENTRY (ZMW) SNo. BANK Current Account Debits 1 AB Bank Zambia Limited 2 Access Bank Zambia Limited 3 BancABC Zambia Limited 4 Bank of China Zambia Limited 5 Barclays Bank Zambia Plc 6 INTERNET AND TELEPHONE BANKING Savings Account Credits Debits INTERNET Monthly Maintenance Credits Own Bank's Platform Other Banks' Platform TELEPHONE BANKING Other Banks' Platform Own Bank's Platform NIL NIL NIL NIL N/A N/A N/A N/A N/A NIL NIL 4.00 NIL NIL NIL 25.00 NIL NIL N/A N/A N/A N/A NIL N/A NIL NIL NIL NIL NIL 0.8% USD30USD250(TT)/ZM W60 (RTGS) N/A NIL NIL 0.8% USD30USD250(TT)/ZMW 60 (RTGS) N/A N/A NIL NIL NIL NIL NIL NIL 5.00 NIL 5.00 Cavmont Bank Limited 6.00 N/A 6.00 N/A N/A N/A 50.00 N/A N/A 7 Citibank Zambia Limited NIL NIL N/A N/A NIL NIL NIL NIL NIL 8 Ecobank Zambia Limited NIL NIL NIL NIL NIL NIL 9 Finance Bank Zambia Limited 5.00 per debit entry, minimum 50.00 N/A NIL N/A NIL 2.00 10.00 N/A N/A 10 First Alliance Bank Zambia Limited 3.00 ZMW EXCEEDING 5.00 DEBITS NIL NA NA 45.00 NIL N/A N/A N/A 11 First Capital Bank Zambia Limited 500.00 N/A N/A N/A N/A N/A N/A N/A N/A 12 First National Bank Zambia Limited 20.00 NA First FNB ATM NIL Withdrawal Free, Thereafter NIL 3.50 8.00 8.00 N/A 25.00 & 40.00 depending on amount NIL NIL NIL NIL NIL NIL 60.00 per annum Savings and120.00 per annum Current NIL N/A N/A N/A N/A 10.00 50.00 NA 5.00 50.00 1.2% min ZMW6.00 max ZMW28.00 per debit NIL NIL NIL NIL NIL NIL N/A N/A N/A N/A NA NA Indo-Zambia Bank Limited 13 14 Intermarket Banking Limited 15 Investrust Bank Plc 16 Stanbic Bank Zambia Limited 17 Standard Chartered Bank Zambia Plc 18 United Bank for Africa (Z) Limited 19 Zambia National Commercial Bank Plc 50.00 NIL 5.00 NIL NIL NIL 1% MIN 50.00, MAX 250.00 NIL NIL NIL NIL 25.00 NIL 0.50 NA NA NA NA free for Persoanl & SME 6.00 for Personal & SME 20.00 for Personal & SME 100.00 and below = 4.00 Above 100.00 to 250.00 = 5.00, Above 250.00 to 500.00 =6.00, Above 500.00 to 2000 =7.00 Above 2000 =9.50 Transfers to other banks 20.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017 GENERAL CHARGES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS ACCOUNT CLOSURE/DORMA GENERAL CHARGES (ZMW) SNo. Balance Inquires BANK Own Bank's ATM 1 AB Bank Zambia Limited 2 ACCESS 3 BancABC Zambia Limited 4 Bank of China Zambia Limited 5 Barclays Bank Zambia Plc 6 Cavmont Bank Limited 7 Citibank Zambia Limited 8 Ecobank Zambia Limited 9 10 Finance Bank Zambia Limited First Alliance Bank Zambia Limited 11 First Capital Bank Zambia Limited 12 First National Bank Zambia Limited Other Bank's ATM Overdrawn Account Over the Counter Mobile Banking Interest charge (%) Dormant per month Indo-Zambia Bank Limited Intermarket Banking Limited 15 Investrust Bank Plc 16 Stanbic Bank Zambia Limited 17 Standard Chartered Bank Zambia Plc 18 United Bank for Africa (Z) Limited 19 Zambia National Commercial Bank Plc Reactivation N/A FREE N/A N/A 20.00 60.00 Current Acc, other free NIL NIL NIL NIL NIL 45% ledger fees 100.00 20.00 1.50 1.50 NIL NA 3.1%... 30.00 50.00 NIL N/A N/A NIL N/A N/A 25.00 50.00 NIL NIL NIL NIL NIL 25% 40.00 NIL N/A 0.50 0.50 N/A N/A Applicable maintenance fee/ account type 75.00 N/A N/A N/A NIL N/A 500 Per incident Min BPR 14% plus 11%, Max BPR plus margin of 16.5% NIL NIL NIL NIL 1.20 2.50 1.20 Policy Rate + margin 200.00 50.00 33% NIL Closure of account within six months of opening account K100.00; More than six months - K0.00 K0.00 / full recovery of debit balance NIL 50.00 NIL NIL 100.00 100.00 3.00 N/A 15.00 NIL 3.00 5.00 NIL NA N/A N/A N/A N/A 45% NIL 5.00 12.50 NIL MPC 15.5% + 25.5% = 41% Standard rates apply NA 13 14 Closure N/A 41.5% NIL NIL NIL NIL NIL 18.25% 50.00 100.00 NA N/A BPR+15.5% NIL NIL NIL 50.00 150.00 NIL NIL 80.00 NIL 100.00 for Personal, 100.00 for SME, foreign currency accounts170.00 for Personal, 100.00 for SME free for Personal & SME NIL 3.00 NIL NIL 2.00 7.00 5.00 2.00 NIL NA 20.00 NIL N/A NIL NIL 30% FOR INDIVIDUAL & 30.00% FOR NON INDIVIDUAL NIL NIL NIL NA 0.18% 2.50 for Personal and 3.00 SME 4.00 for Personal and 5.00 SME 20.00 for ATM eligible accounts. Free for others NA 40.00 Savings and 100.00 current 2.00 for Personal BOZ Policy rate + margin, USD Base rate NA for Personal & + margin for Personal SME & SME 100.00 Savings and 150.00 current