Ակրեդիտիվ և երաշխիքներ
Letter of Credit and Guarantees
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PRIVE resident |
Resident |
Non- resident |
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Type of banking operation |
Individual |
Legal entity |
Individual |
Legal entity |
Individual |
Legal entity |
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1. Provision of guarantees |
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Examination of the application for obtaining a bank guarantee (except for the guarantee secured by cash collateral). |
12.000 |
12.000 |
12.000 |
12.000 |
12.000 |
12.000 |
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Up to 361-day guarantee issuance commission is charged at the time of issuance of the guarantee* |
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with the security of funds |
0.2% times the guarantee period in months, minimum 18,000 AMD |
0.2% times the guarantee period in months, minimum 18,000 AMD |
0.2% times the guarantee period in months, minimum 18,000 AMD |
0.2% times the guarantee period in months, minimum 18,000 AMD |
0.2% times the guarantee period in months, minimum 18,000 AMD |
0.2% times the guarantee period in months, minimum 18,000 AMD |
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With the security of real estate |
0.35% times the guarantee period in months, minimum 24,000 AMD |
0.35% times the guarantee period in months, minimum 24,000 AMD |
0.35% times the guarantee period in months, minimum 24,000 AMD |
0.35% times the guarantee period in months, minimum 24,000 AMD |
0.35% times the guarantee period in months, minimum 24,000 AMD |
0.35% times the guarantee period in months, minimum 24,000 AMD |
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361 days and more guarantee issuance commission is charged at the time of issuance of the guarantee* |
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with the security of funds |
1-2% min 18,000 AMD |
1-2% min 18,000 AMD |
1-2% min 18,000 AMD |
1-2% min 18,000 AMD |
1-2% min 18,000 AMD |
1-2% min 18,000 AMD |
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With the security of real estate |
3-6% min 24,000 AMD |
3-6% min 24,000 AMD |
3-6% min 24,000 AMD |
3-6% min 24,000 AMD |
3-6% min 24,000 AMD |
3-6% min 24,000 AMD |
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One-time guarantee release fee |
18.000 |
18.000 |
18.000 |
18.000 |
18.000 |
18.000 |
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Change in guarantee terms |
24.000 |
24.000 |
24.000 |
24.000 |
24.000 |
24.000 |
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Payment for guarantee claim* |
0.3%, min 36,000 AMD max 120,000 AMD |
0.3%, min 36,000 AMD max 120,000 AMD |
0.3%, min 36,000 AMD max 120,000 AMD |
0.3%, min 36,000 AMD max 120,000 AMD |
0.3%, min 36,000 AMD max 120,000 AMD |
0.3%, min 36,000 AMD max 120,000 AMD |
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Guarantee void |
- |
- |
Free of charge |
Free of charge |
Free of charge |
Free of charge |
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2. International guarantee operations |
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Provision of guarantees by the bank without the approval of another bank |
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With the security of funds |
1% annually min 60,000 |
1% annually min 60,000 |
1% annually min 60,000 |
1% annually min 60,000 |
One-time 0.3% for every 3 months, min 180.000 |
One-time 0.3% for every 3 months, min 180.000 |
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With the security of real estate |
3-4% annually , min 30,000 |
3-4% annually , min 30,000 |
3-4% annually , min 30,000 |
3-4% annually , min 30,000 |
3-4% annually , min 30,000 |
3-4% annually , min 30,000 |
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Change in guarantee terms |
24,000 AMD + intermediary bank rate |
24,000 AMD + intermediary bank rate |
24,000 AMD + intermediary bank rate |
24,000 AMD + intermediary bank rate |
72,000 AMD + intermediary bank rate |
72,000 AMD + intermediary bank rate |
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Payment for guarantee claim |
0,5%, min 60.000 |
0,5%, min 60.000 |
0,5%, min 60.000 |
0,5%, min 60.000 |
1%, min 180.000 |
1%, min 180.000 |
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Provision of a guarantee secured by a guarantee provided by a bank with approval by another bank |
Respective rates + intermediary bank rate |
Respective rates + intermediary bank rate |
Respective rates + intermediary bank rate |
Respective rates + intermediary bank rate |
Respective rates + intermediary bank rate |
Respective rates + intermediary bank rate |
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Maintenance of guarantee issued by other banks in favor of the client |
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Guarantee/change notice |
30.000 |
30.000 |
30.000 |
30.000 |
72.000 |
72.000 |
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Compiling a customer's claim for payment under guarantee |
24.000 |
24.000 |
24.000 |
24.000 |
120.000 |
120.000 |
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3. Letter of credit operations |
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Import letter of credit |
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Pre-approval of the letter of credit |
36.000 |
36.000 |
36.000 |
36.000 |
Considered individually |
Considered individually |
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Issuance of letter of credit |
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Cash covered |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
One-time 0.3% for every 3 months, min 144,000 |
One-time 0.3% for every 3 months, min 144,000 |
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with other security |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
0,15 % min 40,000 AMD one time |
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Contractual |
Contractual |
Contractual |
Contractual |
Contractual |
Considered individually |
Considered individually |
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Acceptance and verification of the Letter of credit terms |
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Without disagreements |
30.000 |
30.000 |
30.000 |
30.000 |
72.000 |
72.000 |
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In case of disagreements |
50.000 |
50.000 |
50.000 |
50.000 |
108.000 |
108.000 |
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Letter of credit payment upon submission of documents or deferred payment period |
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In case of letter of credit coverage |
0.15% min 24.000 max 60.000 AMD |
0.15% min 24.000 max 60.000 AMD |
0.15% min 24.000 max 60.000 AMD |
0.15% min 24.000 max 60.000 AMD |
0.1% min 120.000 max 360.000 AMD |
0.1% min 120.000 max 360.000 AMD |
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In the case of letter of credit without cover (for every full or incomplete 30 days from the date of payment). |
0.25% min 36.000 max 540.000 AMD |
0.25% min 36.000 max 540.000 AMD |
0.25% min 36.000 max 540.000 AMD |
0.25% min 36.000 max 540.000 AMD |
- |
- |
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Change of the letter of credit terms |
36.000 |
36.000 |
36.000 |
36.000 |
72.000 |
72.000 |
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Revocation of letter of credit |
30.000 |
30.000 |
30.000 |
30.000 |
120.000 |
120.000 |
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Export Letter of Credit operations |
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Confirmation of the letter of credit |
0.15% of the letter of credit amount, min 50,000 |
0.15% of the letter of credit amount, min 50,000 |
0.15% of the letter of credit amount, min 50,000 |
0.15% of the letter of credit amount, min 50,000 |
0.15% of the letter of credit amount, min 50,000 |
0.15% of the letter of credit amount, min 50,000 |
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Acceptance and verification of letter of credit documents |
36.000 AMD + intermediary bank and postal costs |
36.000 AMD + intermediary bank and postal costs |
36.000 AMD + intermediary bank and postal costs |
36.000 AMD + intermediary bank and postal costs |
120.000 AMD + intermediary bank and postal costs |
120.000 AMD + intermediary bank and postal costs |
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Letter of credit notification /including each change/ |
36.000 |
36.000 |
36.000 |
36.000 |
50.000 |
50.000 |
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Letter of credit transfer |
0.15% min 42.000 AMD |
0.15% min 42.000 AMD |
0.15% min 42.000 AMD |
0.15% min 42.000 AMD |
0,3%, min 144.000 |
0,3%, min 144.000 |
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Letter of credit service for securing payment of purchase and sale transaction |
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Real estate transaction |
0.15% min 18.000 AMD |
0.15% min 18.000 AMD |
0.15% min 18.000 AMD |
0.15% min 18.000 AMD |
0.5%, min 180.000 |
0.5%, min 180.000 |
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Movable property sale transaction |
0.15%, min 24.000 |
0.15%, min 24.000 |
0.15%, min 24.000 |
0.15%, min 24.000 |
0.5%, min 180.000 |
0.5%, min 180.000 |
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Pre-approval of the letter of credit |
- |
- |
- |
- |
120.000 |
120.000 |