TELENOR MICROFINANCE BANK TD - Easypaisa
SCHEDULE OF CHARGESTELENOR MICROFINANCE BANK LTD.(BRANCHLESS BANKING)For the Period of October-2019 to December-2019
2EASYPAISA PRODUCTSOver the Counter (OTC) Products:1. Money Transfer (CNIC to CNIC)Transaction AmountsPKR 1 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000PKR 25,001 to PKR 30,000PKR 30,001 to PKR 40,000PKR 40,001 to PKR 50,0002.Service Fee (Incl. Tax)PKR 70PKR 130PKR 200PKR 270PKR 330PKR 390PKR 440PKR 500PKR 650PKR 800PKR 950PKR 1,200PKR 1,400Inter Bank Funds Transfer (IBFT)Transaction AmountsPKR 1 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,0003.Utility Bill Payment (OTC) 4.PKR 0.00 (This product is free for customers)International Home Remittances Service Fee (Incl. Tax)PKR 35PKR 50PKR 65PKR 80PKR 90PKR 105PKR 120PKR 130PKR 155PKR 170 PKR 0.00 (This product is free for customers)SCHEDULE OF CHARGES Branchless Banking
3Mobile Account (MA) Products:1.2. 3.New Mobile Account Opening PKR 0.00 (New mobile account opening is free for customers)Money Transfer from CNIC to Easypaisa Mobile Account PKR 0.00 (This transaction is free for customers) Money Transfer from Easypaisa Mobile Account to a CNICTransaction AmountsPKR 1 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000PKR 25,001 to PKR 30,000PKR 30,001 to PKR 40,000PKR 40,001 to PKR 50,0004. Service Fee (Incl. Tax)PKR 46.4PKR 92.8PKR 139.2PKR 185.6PKR 232.0PKR 278.4PKR 324.8PKR 371.2PKR 440.8PKR 510.4PKR 580.0PKR 649.6PKR 719.2Transfer-out from Easypaisa Mobile Account to Telenor Microfinance Bank AccountTransaction AmountsPKR 1 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000Service Fee (Incl. Tax)PKR 12.5PKR 25.0PKR 37.5PKR 50.0PKR 62.5PKR 75.0PKR 87.5PKR 100.0PKR 112.5PKR 125.0SCHEDULE OF CHARGES Branchless Banking
45.Request PaymentService Fee (Incl. Tax)PKR 5PKR 10PKR 20PKR 40PKR 60PKR 80PKR 100PKR 120PKR 140PKR 160PKR 180PKR 200PKR 220PKR 240PKR 260Transaction AmountsPKR 1 to PKR 200PKR 201 to PKR 500PKR 501 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000PKR 25,001 to PKR 30,000PKR 30,001 to PKR 40,000PKR 40,001 to PKR 50,0006.Utility Bill Payment (MA) PKR 0.00 (This product is free for customers)* * Customer acting as agent or deemed/designated agents will be levied charges in linewith Penalty Matrix Rate and Fee levied to agents as followsCount of Bills6 to 10 Bills per monthMore than 10 Bills per month7.Mini Statement 8.Balance Inquiry 9. PKR 0.00 (This transaction is free for customers) PKR 0.24 (Incl. Tax)Cash Deposit in Mobile Account Service Fee (Incl. Tax)PKR 5 per BillPKR 10 per BillPKR 0.00 (This transaction is free for customers) 10. Cash Withdrawal from Mobile Account Transaction AmountsPKR 1 to PKR 200PKR 201 to PKR 500PKR 501 to PKR 1,000PKR 1,001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000PKR 25,001 to PKR 30,000PKR 30,001 to PKR 40,000PKR 40,001 to PKR 50,000Service Fee (Incl. Tax)PKR 7PKR 12PKR 20PKR 40PKR 70PKR 100PKR 130PKR 180PKR 230PKR 280PKR 330PKR 380PKR 470PKR 560PKR 690SCHEDULE OF CHARGES Branchless Banking
511. Transfer-in from Telenor Microfinance Bank Account to Easypaisa Mobile Account PKR 0.00 (This transaction is free for customers) 12. Easyload (On Telenor) Ten transactions per month are free & subsequent are charged at PKR 2 (Incl. Tax) 413. Easyload (On Other Mobile Operators) PKR 0.00 (This transaction is free for customers) 14. ATM Card Linking Upto PKR 500 (Incl. Tax) for personalized ATM Card 15. ATM Cash WithdrawalTransaction AmountsPKR 0 to PKR 500PKR 0 to PKR 1,000PKR 1,500 to PKR 2,500PKR 3,000 to PKR 4,000PKR 4,500 to PKR 6,000PKR 6,500 to PKR 8,000PKR 8,500 to PKR 10,000PKR 10,500 to PKR 13,000PKR 13,500 to PKR 16,000PKR 16,500 to PKR 20,000 Service Fee (Incl. Tax & 1-link Charges)PKR 15.0PKR 20.0PKR 30.0PKR 50.0PKR 70.0PKR 90.0PKR 110.0PKR 130.0PKR 140.0PKR 160.016. ATM Balance Inquiry (1-Link & Telenor Microfinance Bank ATM) PKR 2.50 (Incl.Tax) per inquiry 17. ATM Balance Inquiry (M-net) PKR 5.80 (Incl. Tax) per transaction18. Inter Bank Funds Transfer (IBFT)Service Fee (Incl. Tax)PKR 35PKR 50PKR 65PKR 80PKR 100PKR 150PKR 200PKR 250PKR 300PKR 350PKR 400PKR 450PKR 500Transaction AmountsPKR 1 to PKR 1,000PKR 1001 to PKR 2,500PKR 2,501 to PKR 4,000PKR 4,001 to PKR 6,000PKR 6,001 to PKR 8,000PKR 8,001 to PKR 10,000PKR 10,001 to PKR 13,000PKR 13,001 to PKR 16,000PKR 16,001 to PKR 20,000PKR 20,001 to PKR 25,000PKR 25,001 to PKR 30,000PKR 30,001 to PKR 40,000PKR 40,001 to PKR 50,00019. International Home Remittances PKR 0.00 (This transaction is free for customers) SCHEDULE OF CHARGES Branchless Banking
6 20. Muhafiz PKR 375 (incl. of tax) for 6 months health insurance 21. Kamyab Mustaqbil Fee is in multiples of 500 (inclusive of tax price), with minimum option availablebeing PKR 500 and maximum being PKR 5,000 22. Kamyab Mustaqbil Plus Fee is in multiples of 700 (inclusive of tax price), with minimum option availablebeing PKR 700 and maximum being PKR 7,000 23. Rakhwala PKR 500 (incl. of tax) for 6 months health insurance24. Sehat-O-Sakoon Fee is in multiples of 700 (inclusive of tax price) Fee is in multiples of 480 (inclusive of tax price) PKR 950 (incl. of tax) for one-year health insurance 25. Sehat Sahara/Sehat Sahara Plus 26. Easypaisa Secure Savings Plan Customer can opt for this plan by paying a yearly premium (minimum PKR 8,000) for achosen term ranging from 10 to 25 years. No fee is charged to customer for this product, and as per current SECP regulations, the quoted official rate of return is 10% 27. Online Payments PKR 0.00 or 0% (This transaction is free for customers)28. Retail Payment (NFC, Till & QR) PKR 0.00 (This product is free for subscribers) Helpline Related Services:1.Call Charges at 345 Call Center 2. PKR. 2.69 (incl. of tax)Helpline SMS charges at 346 PKR. 0.59 (incl. of tax)NOTE: Transaction limits are enforced where applicableFED will be recovered as per regulation SCHEDULE OF CHARGES Branchless Banking
14. ATM Card Linking Upto PKR 500 (Incl. Tax) for personalized ATM Card 15. ATM Cash Withdrawal Transaction Amounts Service Fee (Incl. Tax & 1-link Charges) PKR 0 to PKR 500 PKR 15.0 PKR 0 to PKR 1,000 PKR 20.0 PKR 1,500 to PKR 2,500 PKR 30.0 PKR 3,000 to PKR 4,000 PKR 50.0 PKR 4,
5 TELENOR SUSTAINABILITY REPORT 2018 SUMMARY OF THE YEAR SUMMARY OF THE YEAR DIVERSE WORKFORCE Telenor Group employed close to 21,000 people as of year-end 2018 of which 37% are women and we have 28% of senior leaders are women. SUPPLY CHAIN SUSTAINABILITY Telenor carried out 3,500 supplier inspections resulting in 450 major nonconformities.
4.5 Telenor’s role in supporting improved gender equality 46 5 Sustainability in the supply chain 53 5.1 The positive socio -economic impacts associated with sustainable sourcing 53 5.2 Telenor’s Supply Chain Sustainability policy 56 5.3 The impact of Telenor’s Supply Chain Sustainability policy 57
Pocket Guide to the Microfinance Financial Reporting Standards Measuring Financial Performance of Microfinance Institutions This document is a condensed version of the Microfinance Financial Reporting Standards (MFRS): Measuring Financial Performance of Microfinance Institutions that will be published by The SEEP Network in 2011.
Northern Bank & Trust Co. Patriot Community Bank People's United Bank Pilgrim Bank Radius Bank RTN Federal Credit Union Santander StonehamBank TD Bank The Cooperative Bank The Savings Bank The Village Bank Walpole Cooperative Bank Wellesley Bank Winchester Co-operative Bank Abington Bank Bank of Canton Blue Hills Bank Boston Private Bank & Trust
M/s G.M. Kapadia & Co., Chartered Accountants Bankers HDFC Bank Ltd. (Primary Banker) Axis Bank Ltd. Bank of Baroda Bandhan Bank Ltd. Citibank N.A. CSB Bank Ltd. DCB Bank Ltd. Deutsche Bank ESAF Small Finance Bank ICICI Bank Ltd. IDFC Bank Ltd. Indian Bank RBL Bank Ltd. Saraswat Co-op Bank Ltd. State Bank of India Suryoday Small Finance Bank Ltd.
1,335 microfinance institutions between 2005 and 2009, jointly serving 80.1 million borrowers, to calculate the costs of microfinance and other elements of the microfinance business model. It calculates that on average, subsidies amounted to 132 per borrower, but the distribution i
LIST OF FIGURES, TABLES AND BOXES Figure 1: Summary of mobile money transactions in Pakistan (Oct-Dec 2012) Figure 2: Comparison of MNO market shares between 2003-4 and Dec 2012 Figure 3: Pakistan's cellular service sector's average revenue per user per month Figure 4: Division of roles in the Easypaisa value chain Table 1: Growth of the mobile money market in Pakistan (Jun 2011-Dec .
Aliens' Behaviour Connectives Game This game was originally developed in 2006 for Year 5/6 at Dunkirk Primary School in Nottingham. It has also been used at KS3. We have chosen this topic because we hope it will encourage children to produce their own alien names (a useful use of phonically regular nonsense words!), portraits and sentences .
