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Reliable instrument that ensures effecting of payments.

Documentary operations

JSC “CREDIT AGRICOLE BANK” offers documentary operations as a reliable tool for ensuring payment execution.

Documentary operations – a convenient form of payment, which allows to protect the interests of clients and their counterparties and minimize the risks in trade operations.

Advantages of documentary operations:

  • combine settlement, guarantee and credit operations that allow to take into account the interests of different parties of the contract;
  • the cost of these services is much lower than classic lending;
  • Credit Agricole guarantees are accepted for most Ukrainian and foreign companies in Ukraine.

The large international network of CREDIT AGRICOLE GROUP and the high bank reliability rating allow to use intra-group limits to confirm letters of credit by foreign banks of CREDIT AGRICOLE GROUP and / or to issue guarantees under bank's counter-guarantees.

It gives benefits for the clients of JSC “CREDIT AGRICOLE BANK” in organization of a trade operations and reduces costs of banking services - the price of confirmation by a foreign bank of CREDIT AGRICOLE GROUP is lower due to group pricing policy.

Banking guarantee

Bank guarantee is a tool of proper and timely fulfillment of contractual obligations in relations with your counterparties which represent written bank’s obligation to pay the beneficiary (your counterparty) in case of non-fulfilment of your obligations as per the contact terms and receipt of payment demand by the bank. 

CREDIT AGRICOLE proposes the following types of guarantees to the clients:

  • payment guarantee – ensure fulfillment of buyer’s payment obligations in favor of the seller as per the contract’s conditions;
  • bid bond (also in electronic form with imposition of an electronic digital signature) – ensure fulfillment of tender obligations by bidder (seller); 
  • performance guarantee - ensures delivery of goods / performance of works / rendering services in a clear and timely manner in accordance with the contract conditions;
  • advance payment guarantee – ensures return of advance payment to the buyer in case of the seller's failure to perform its contractual obligations and to return obtained advance payment

CREDIT AGRICOLE also provides stand-by letter of credit – which, same  like guarantee, secures the obligation to pay or fulfill other contractual obligations, however it is used when the legislation of the seller’s country prohibits using of guarantee or such seller requires stand-by letter of credit as a form of settlements.


Advantages

For buyer
For seller
  • possibility to obtain deferred payment under the contract
  • possibility to use working capital for other purposes
  • much cheaper tool than traditional lending
  • absence of risk of non-payment for delivered goods / provided services / preformed works
  • possibility to increase volume of deliveries
  • extension to new markets


Conditions of guarantee / stand-by letter of credit issuing (hereinafter - guarantee)
Amount and validityas per contract/tender documentation conditions
Requirements for collateral
 
cash cover, property rights for deposit
real estate, equipment, vehicles, other assets and their combination
Insurance of pledged property-at any insurance company approved by the bank on client’s choice
Issuing guarantee cost [1] 
 
  • commission for guarantee issuing: 2%-2,4% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis
  • commission for setting the limit (one-time): 0.5%, мін 100 USD [2]
  • commission for guarantee issuing: 4,5%-5,5% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis
Other bank’s commissions under issued guarantee [1] 
 
1) commission for guarantee amendment: 50 USD [2]/each amendment (except of amendment in part of guarantee amount increasing or guarantee prolongation)
2) commission for guarantee cancellation (one-time): 50 USD [2]
3) commission for taken-up demand under guarantee and/or payment: 0,2% from the amount of demand/documents, min 100 USD [2]/ each demand under guarantee
4) commission for issuing guarantee in SWIFT-message form (one-time): 25 USD [2]
Other possible costs
 
1) payment for the services of third parties (insurance company, notary, property appraiser, etc.) - according to the tariffs of such third parties chosen by the client for receiving the relevant services
2)third bank’s commissions (advising bank, confirming bank, correspondent bank etc.) – in case of occurrence should be paid according to the tariffs of such banks.

[1] issuing guarantee cost/other bank’s commissions could be set individually as per arrangement with a client

[2] сommission indicated in foreign currency to be paid as per official NBU rate indicated on the date of its payment


Package of documents and type of application form for banking guarantee depend on structure of the operations and collateral.
You can obtain detailed information by contacting your personal manager or by visiting our branch in your city/town.

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Bill avalization

Bill avalization – operation according to which the bank undertakes the responsibility to pay the bill for payer in case of failure to pay the bill by such payer within payment period.


Advantages

For buyer (payer)For seller (bill owner)
  • opportunity to get a deferred payment from the seller of goods/services, which allows not to use your own working capital / not to attract credit resources;
  • economy - much cheaper tool than traditional lending;
  • expanding/establishing mutually beneficial relationships with seller’s of goods/services
  • tool of settlement with budget in part of taxes payment
  • absence of risk of non-payment for delivered goods by guaranteeing the bank such payment;
  • possibility to use avalized bill in further settlements with counterparties;
  • expanding / establishing mutually beneficial relationships with buyers of goods/services.


Conditions of bill avalization
Types of bills which could be avalized
  • commodity bills, which are issued for the purchase of vehicles, agro-chemistry and other goods/services;
  • bills that are issued to pay excise duties (for companies who use alcohol and other excisable goods/raw materials in the current activity)
Currency of billsUAH
Requirements for collateralcash cover, property rights for depositreal estate, equipment, vehicles, other assets and their combination
Insurance of pledged property-at any insurance company approved by the bank on client’s choice
Bill avalization cost[1]
  • commission for bill avalization: 2%-2,4% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis
  • commission for setting the limit (one-time): 0.5%-1%, min. 100 USD [2]
  • commission for bill avalization: 4% - 4,5% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis
Other bank’s commissionsother commissions could be set as per arrangement with a client
Other possible costspayment for the services of third parties (insurance company, notary, property appraiser, etc.) - according to the tariffs of such third parties chosen by the client for receiving the relevant services

[1] bill avalization costs could be set individually as per arrangement with a client

[2] commission indicated in foreign currency to be paid as per official NBU rate indicated on the date of its payment


Package of documents for bill avalization depends on structure of the operations and collateral. You can obtain detailed information by contacting your personal manager or by visiting our branch in your city/town.

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Documentary letters

Documentary letter of credit – bank’s obligation issued as per buyer’s (applicant’s) instructions to make a payment in seller’s (beneficiary’s) favor subject to receipt of documents which confirm shipment of goods and comply with letter of credit terms.


Advantages

For buyer (applicant)For seller (beneficiary)
  • possibility to obtain deferred payment;
  • absence of risk of non-delivery / delivery in incomplete volume;
  • extension of trade relations geography;
  • much cheaper tool than traditional lending.
  • absence of risk of non-payment for delivered goods;
  • receipt of funds under letter of credit in short terms after shipment of goods;
  • extension to new markets;
  • absence of risk of buyer’s refusal from goods which were delivered in time and in full volume.


Conditions of letter of credit issuing
Amount and validityas per contract requirements
Requirements for collateralcash cover, property rights for depositreal estate, equipment, vehicles, other assets and their combination
Insurance of pledged property-at any insurance company approved by the bank on client’s choice
Commission for letter of credit issuing[1]2%-2,4% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis3.5% p.a., min. 33 USD [2] per month – in case of commission payment on a monthly basis / min. 100 USD [2] per quarter – in case of commission payment on a quarterly basis
Other bank’s commissions under issued letter of credit [1]1) commission for amendment of letter of credit: 50 USD [2]/each amendment (except of amendment in part of amount increasing or prolongation)
2) commission for letter of credit cancellation (one-time): 50 USD [2]
3) commission for taken-up documents and/or payment: 0,2% from the amount of documents, min 100 USD [2]/ each package of documents
4) commission for discrepancy in documents: 50 USD [2] /each package of documents
5) commission for issuing letter of credit in SWIFT-message form (one-time): 25 USD [2]
Other possible costs1) payment for the services of third parties (insurance company, notary, property appraiser, etc.) - according to the tariffs of such third parties chosen by the client for receiving the relevant services
2) third bank’s commissions (advising bank, confirming bank, correspondent bank etc.) – in case of occurrence should be paid according to the tariffs of such banks.

[1] commission for letter of credit issuing /other bank’s commissions could be set individually as per arrangement with a client

[2] commission indicated in foreign currency to be paid as per official NBU rate indicated on the date of its payment


Package of documents required for letter of credit issuing depends on structure of the operations and collateral. You can obtain detailed information by contacting your personal manager or by visiting our branch in your city/town.

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Documentary collection

Documentary collection – the form of payment according to which bank carries out the intermediary function to transfer the documents confirming shipment of the goods to buyer against the payment or on other conditions.

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