Instrument and Service Fees

Fees that may be charged to Commercial Customers

1. Commercial Loans

	Minimum Rate	Maximum Rate	Explanation	Update date
1.1.1. Loan Allocation and Loan Disbursement Fee
1.1.1.1 Credit Allocation	0%	0.25%	In case of allocation or renewal of credit limits, the allocation fee is charged annually in advance over the general credit limit, and in case of an increase in the general credit limit, the allocation fee is charged in advance over the increase amount. The allocation fee is applied as maximum 0.25% of the allocated amount for new limit allocations and maximum 0.125% of the renewed amount for limit renewals. If the limit is increased, it is calculated as maximum 0.25% of the additional allocated amount. For limit allocations of less than one year, the credit allocation fee is annual and is applied by taking into account the number of months of the limit allocation period and deducted proportionally. BITT is excluded. Fees charged for loans extended for project financing, merger and acquisition financing, privatization financing and structured financing and their refinancing under special loan agreements or additional agreements and protocols to the general loan agreement are not subject to the said pricing limitations as they are not considered within the scope of the commercial loans category.	25.02.2022
1.1.1.2 Loan Disbursement	0%	1.10%	Loan Disbursement Fee is applied on the average loan balance for revolving loans. Maximum 1% per annum. A maximum of 0.25% is applied periodically (to the average quarterly balance) and is collected at the end of the period. For cash loans other than revolving loans, the fee is charged in advance at the time of utilization. Maximum 1.1% is applied annually on the loan amount. For loans with a maturity of less than one year, it is applied by taking into account the number of loan maturity days and deducting proportionally. BSMV Excluded. Fees charged for loans extended for project financing, merger and acquisition financing, privatization financing and structured financing and their refinancing under special loan agreements or additional agreements and protocols to the general loan agreement are not subject to the said pricing limitations as they are not considered within the scope of the commercial loans category.	25.02.2022
1.1.2. Reputation/Notice/Reference Letter Issuance Fee	0%	5%	Collected in advance for each letter at the time of issuance. BITT is excluded.	25.02.2022
1.2. Collateralization
1.2.1. Appraisal, Collateral Establishment, Change and Cancellation Fees			In the event that appraisal, mortgage establishment/execution, vehicle pledge transactions are performed by third parties, an additional fee up to 15% of the fee paid to third parties may be charged. BITT is excluded.	25.02.2022
1.3. Credit Risk Process
1.3.1. Fee for Restructuring, Extension/Payment Plan and Interest Rate Change	0%	4%	It is a fee charged for restructuring a cash or non-cash loan with ongoing credit risk by changing the collateral, maturity, payment schedule, rate and other similar conditions, and for changing all kinds of conditions affecting the loan approval conditions of the banks, such as the payment schedule and interest rate determined at the beginning of the loans. BITT is excluded.	25.02.2022
1.3.2. Commitment / Non-Commitment Fee				25.02.2022
1.3.2.1 Commitment Fee	0%	4%	Commitment fee is a fee charged on the unused balance of the loan for investment and project finance loans allocated to commercial customers by making a price or limit commitment with a loan agreement with a special text and not within the scope of general loan agreements. Excluding BITT.	25.02.2022
1.3.2.1 Non-Commitment Fee	0%	4%	Non-commitment fee is the fee charged in case the conditions committed by commercial customers at the loan allocation and utilization stages are not fulfilled. In the event that the loan is not used partially or completely within the term despite the commitment to be used by commercial customers, the fee charged over the canceled portion is also included in this scope. BITT is excluded.	25.02.2022
1.3.3. Non-Cash Loan-Period Fee	0%	5%	Annual. BSMV is excluded.	25.02.2022
1.3.4. Non-Cash Loan - Guarantorship Fee	0%	5%	It is an annual fee charged against the risk arising from non-cash loans extended to the Bank's commercial customers within the scope of project housing/workplace loans. It is allocated in advance or periodically over the allocated credit limit. BITT is excluded.	25.02.2022
1.4. Closure				25.02.2022
1.4.1. Cash Loan-Early Repayment Fee				25.02.2022
1.4.1.1. Early Closing of Cash Loans - Up to 24 Months to Maturity - Early Closing of Cash Loans (Turkish Lira Loans)	0%	2%	In the event that all or part of the loans extended are closed early, a fee will be charged on the principal amount within the early closing amount according to the remaining maturity, excluding BITT. Fees charged for loans extended under special loan agreements or supplementary agreements and protocols to the general loan agreement for project financing, acquisition and merger financing, privatization financing and structured financing and their refinancing are not subject to the pricing limitations as they are not considered within the category of commercial loans.	25.02.2022
1.4.1.2. Cash Loan Early Closing - Maturity Up to 24 Months - Cash Loan Early Closing (Foreign Currency or Foreign Currency Indexed Loans)	0%	3%	In the event that all or part of the loans extended are closed early, a fee will be charged on the principal amount within the early closing amount according to the remaining maturity, excluding BITT. Fees charged for loans extended under special loan agreements or supplementary agreements and protocols to the general loan agreement for project financing, acquisition and merger financing, privatization financing and structured financing and their refinancing are not subject to the pricing limitations as they are not considered within the category of commercial loans.	25.02.2022
1.4.1.3. Early Closing of Cash Loans with remaining maturity longer than 24 months - Early Closing of Cash Loans (Turkish Lira Loans)	0%		Prepayment fees may be charged up to the amount calculated by adding one percent for each year of the remaining maturity exceeding twenty-four months, excluding BITT. Fees charged for loans extended under special loan agreements or agreements and protocols additional to the general loan agreement for project financing, merger and acquisition financing, privatization financing and structured financing and their refinancing are not subject to the pricing limitations as they are not considered within the scope of the commercial loans category.	25.02.2022
1.4.1.4. Cash Loan Early Closing - Maturity Longer than 24 Months - Cash Loan Early Closing (Foreign Currency or Foreign Currency Indexed Loans)	0%		Prepayment fees may be charged up to the amount calculated by adding one percent for each year of the remaining maturity exceeding twenty-four months to three percent, excluding BITT. Fees charged for loans extended under special loan agreements or agreements and protocols additional to the general loan agreement for project financing, merger and acquisition financing, privatization financing and structured financing and their refinancing are not subject to the pricing limitations as they are not considered within the scope of the commercial loans category.	25.02.2022

2. Foreign Trade

	Minimum Rate	Maximum Rate	Minimum Amount	Maximum Amount	Explanation	Update date
2.1. Import Operations
2.1.1. Letter of Credit Opening Fee	0%	5%			BITT is excluded.	25.02.2022
2.1.2. Reserve/Dispute Fee			USD 0.00	USD 250.00	BITT is excluded.	25.02.2022
2.1.3. Preliminary Notice Fee			USD 0.00	USD 250.00	BITT is excluded.	25.02.2022
2.1.4. Aval / Acceptance Fee	0%	5%			BITT is excluded.	25.02.2022
2.1.5. Maturity / Amount Change Fee	0%	5%			BITT is excluded.	25.02.2022
2.1.6. Policy Acceptance Fee	0%	5%			BITT is excluded.	25.02.2022
2.2. Export Operations						25.02.2022
2.2.1. Notice Fee		2%	USD 150.00		BITT is excluded.	25.02.2022
2.2.2. Confirmation Fee	0%	5%			BITT is excluded.	25.02.2022
2.2.3. Maturity/Amount Change Fee	0%	5%			On the changed maturity and amount. BSMV is excluded.	25.02.2022
2.2.4. Deferred Payment Fee			USD 0.00	USD 1,000.00	BITT is excluded.	25.02.2022
2.2.5. Discount Fee	0%	5%			BITT is excluded.	25.02.2022
2.2.6. Collection Fee	0%	5%			BITT is excluded.	25.02.2022
2.3.Import / Export Joint Transactions						25.02.2022
2.3.1. Document Examination Fee			USD 0.00	USD 400.00	BITT is excluded.	25.02.2022
2.3.2. Amendment Fee			USD 0.00	USD 400.00	BITT is excluded.	25.02.2022
2.3.3. Transaction Fee			USD 0.00	USD 400.00	BITT is excluded.	25.02.2022
2.3.4. Correspondent Bank Charges			USD 0.00	USD 400.00	BITT is excluded.	25.02.2022
2.3.5. Payment Fee			USD 0.00	USD 400.00	BITT is excluded.	25.02.2022

3. Cash Management

	Minimum Rate	Maximum Rate	Minimum Amount	Maximum Amount	Explanation	Update date
3.1. Supplier Financing and Direct Debit System (DBS)					No Service Provided.	25.02.2022
3.1.1. Supplier Financing and DBS Fee						25.02.2022
3.1.2. . Supplier Financing and DBS Term Fee						25.02.2022
3.2. Deposit, Participation Fund and Precious Metal Deposit Accounts					No Service Provided.	25.02.2022
3.2.1. Deposit/Withdrawal Fee for Money and Precious Metals						25.02.2022
3.2.1.1.Withdrawals - Withdrawals Over Daily Limit						25.02.2022
3.2.1.2.Withdrawal - Withdrawal from Other Branch						25.02.2022
3.2.1.3.Cash Withdrawal - Precious Metal Withdrawal						25.02.2022
3.2.2. Fee for Transactions Made from ATMs of Other Institutions/Partner ATMs						25.02.2022
3.2.2.1.Withdrawal/Deposit/Debt payment -						25.02.2022
3.2.2.2.ATM Balance/Limit/Debt Inquiry -						25.02.2022
3.3. Money and Precious Metals Transfers						25.02.2022
3.3.1. Electronic Fund Transfer (EFT) Fee
3.3.1.1.Mobile banking and internet banking - TL 4,300 and below			TRY 0.00	TRY 4.22	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.1.2.Mobile banking and internet banking - between TL 4,300.01-211,100			TRY 0.00	TRY 8.44	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.1.3.Mobile banking and internet banking - above TL 211,100			TRY 0.00	TRY 105.52	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.1.4.Other Channels - TL 4,300 and below			TRY 0.00	TRY 21.10	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.1.5.Other Channels - between TL 4,300.01-211,100			TRY 0.00	TRY 42.21	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.1.6.Other Channels - above TL 211,100			TRY 0.00	TRY 422.10	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2. Remittance Fee						25.02.2022
3.3.2.1.Mobile banking and internet banking - TL 4,300 and below			TRY 0.00	TRY 2.11	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2.2.Mobile banking and internet banking - between TL 4,300.01-211,100			TRY 0.00	TRY 4.22	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2.3.Mobile banking and internet banking - above TL 211,100			TRY 0.00	TRY 52.76	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2.4.Other Channels - TL 4,300 and below			TRY 0.00	TRY 10.55	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2.5.Other Channels - between TL 4,300.01-211,100			TRY 0.00	TRY 21.11	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.2.6.Other Channels - above TL 211,100			TRY 0.00	TRY 211.05	It is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.3.3. International Fund Transfer and Messaging Fees						25.02.2022
3.3.3.1.Outgoing Fund Transfer	0%	2%			BITT is excluded.	25.02.2022
3.3.3.2.Incoming Fund Transfer	0%	2%			BITT is excluded.	25.02.2022
3.3.3.3.International Fund Transfer Inquiry/Messaging Fee			TRY 0.00	TRY 1,000.00	BITT is excluded.	25.02.2022
3.4. Safe Deposit Box					No Service Provided.	25.02.2022
3.4.1. Safe Deposit Box Fee						25.02.2022
3.5. Brokerage Services					No Service Provided.	25.02.2022
3.5.1. Brokerage Fee						25.02.2022
3.6. Documentation and Information						25.02.2022
3.6.1. Document and Information Fee
3.6.1.2. Printed Statement Submission			TRY 0.00	TRY 5.38	The specified fee is per page. In case the transactions are made by third parties (notary public, etc.), no additional fee will be charged other than the fee paid to third parties. The fee is increased by the rate of increase in the annual consumer price index announced by the Turkish Statistical Institute as of the end of the previous year. BITT is excluded.	12.01.2024
3.6.1.3. Archive/Research			TRY 0.00	TRY 50.00	The specified fee is per page. In case the transactions are made by 3rd parties (notary public, etc.), no additional fee will be charged other than the fee paid to 3rd parties. BITT is excluded.	25.02.2022
3.7. Check Transactions						25.02.2022
3.7.1. Checkbook and Check Issuance Fee						25.02.2022
3.7.1.1.Checkbook (Per Leaf)			TRY 0.00	TRY 100.00		25.02.2022
3.7.1.2.Check Issuance			TRY 0.00	TRY 500.00		25.02.2022
3.7.1.3.Special Qualified Check Issuance			TRY 0.00	TRY 500.00		25.02.2022
3.7.2. Check Return Fee			TRY 0.00	TRY 100.00		25.02.2022
3.7.3. Check Collection Fee
3.7.3.1.Same Bank Check			TRY 0.00	TRY 100.00	BITT is excluded.	25.02.2022
3.7.3.2.Other Bank Checks			TRY 0.00	TRY 100.00	BITT is excluded.	25.02.2022
3.7.3.3.Collection of Foreign Currency Cheques (Other Bank)	0%	1%			BITT is excluded.	25.02.2022
3.7.4. Fee for Check Certification and Correction Procedures					No Service Provided	25.02.2022
3.8. Promissory Note Transactions
3.8.1. Promissory Note Information Fee			TRY 0.00	TRY 50.00	BITT is excluded.	25.02.2022
3.8.2. Promissory Note Refund Fee			TRY 0.00	TRY 50.00	BITT is excluded.	25.02.2022
3.8.3. Fee for Protest of Promissory Note Transactions						25.02.2022
3.8.3.1. Protest of Promissory Note			TRY 0.00	TRY 500.00	BITT is excluded.	25.02.2022
3.8.3.2. Promissory Note Protest Removal			TRY 0.00	TRY 500.00	BITT is excluded.	25.02.2022
3.8.4. Promissory Note Collection Fee						25.02.2022
3.8.4.1.Same Bank Promissory Note Collection	0%	1%			BITT is excluded.	25.02.2022
3.8.4.1.Correspondent Bank Promissory Note Collection	0%	1%			BITT is excluded.	25.02.2022
3.9. Late Deposit	0%	0.50%			For transactions realized after 15:30, the transaction amount is charged. Valid for all currencies. BSMV Excluded.	12.01.2024

4. Payment Systems

	Explanation	Update date
4.1. POS Fees	No Service Provided	25.02.2022
4.1.1. POS Software/Hardware/Maintenance Fee - Physical POS		25.02.2022
4.1.2. POS Software/Hardware/Maintenance Fee - Virtual POS		25.02.2022
4.1.3. Lost/Damaged POS and Accessory Fees		25.02.2022
4.2. Merchant Fees	No Service Provided	25.02.2022
4.2.1. Merchant Fee Advance / Installment		25.02.2022
4.2.2. Blockage Resolution Fee		25.02.2022
4.3. Transactions with Commercial Card	No Service Provided	25.02.2022
4.3.1. Commercial Card Membership Fee		25.02.2022
4.3.2. Cash Advance Fee		25.02.2022

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Interest Rate Swap (IRS)

Project Loans

Fees that may be charged to Commercial Customers

1. Commercial Loans

2. Foreign Trade

3. Cash Management

4. Payment Systems