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BANK OF BAKU
AUDITORS REPORT AND FINANCIAL STATEMENTS AT 31 DECEMBER 1998

Note 14 - Fees and Commission Income

1998

 

Fees from fund transfers

781,506

Fees from cash withdrawals

552,232

Commission from guarantee letters

23,280

Others

29,452

 

Total fees and commission income

1,386,470

Fees and commission income is the major source of income for the Bank. Summary of fees and commissions charged by the Bank are outlined in the table below:

Individuals

Corporations

Banks

 

AZM

Cash withdrawals

1%

0.55-1%

-

Fund transfers

0.2%

0.2%

-

 

USD operations

Cash withdrawals

1%

1%

0.3%

Fund transfers abroad

0.5%

0.3%

USD 25 or 0.05%

Fund transfers within the country

USD 5

USD 10

USD 10-25
Note 1 Principal Activities
Note 2 Basis of Presentation
Note 3 Significant Accounting Policies
Note 4 Cash and Short-Termshort-term funds
Note 5 Loans and Advances to Banks
Note 6 Loans and Advances to Customers
Note 7 Premises and Equipment
Note 8 Deposits From Banks
Note 9 Customer Accounts
Note 10 Other Liabilities
Note 11 Share Capital
Note 12 Accumulated Deficit / Retained earnings
Note 13 Dividends
Note 14 Fees and Commission Income
Note 15 Fees and Commission Expense
Note 16 General, Administrative and Other Operating Expenses
Note 17 Taxation
Note 18 Asset and Liability Concentration
Note 19 Fair value of Financial Instruments
Note 20 Risk Management
Note 21 Commitments and Contingent Liabilities
Note 22 Reconciliation of Azeri Accounting Rules to International. Accounting Standards
Note 23 Related Party Transactions
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