FAQ - Investments Schedule of Fees

Fee calculations on Bonds & Sukuks (figures in USD, as applicable)		Values
Bond / Sukuk Order placement on 30th April, 2025
	ADCB Bond / Sukuk (e.g. 5% Coupon per annum) - Notional value (a)	226,000.00
	Order Placement Type – Subscription Price at Market Order (b)	91.00%
	Principal (c) = (a)*(b)	205,660.00
	Accrued Interest (Bond/ Sukuk Buy) - (d) Principal 5% coupon/ 360 days90 days	2,354.00
	Gross Amount (e) = (c) + (d)	208,014.00
	Existing investment amount (at cost value) with ADCB	1,000,000.00
	Applicable Subscription Fee (VAT inclusive) (f) i.e. Fees applied for US $1,000,000 and above slab	1.05%
	Subscription Fees (g) = (c) * (f)	2,159.00
	Estimated Total funds required in Investment Account (h) = (e) + (g)	210,173.00
Calculations on order execution date
Bond / Sukuk Order execution on 1st May, 2025
	ADCB Bond/ Sukuk - (5% Coupon per annum) Notional value (a)	226,000.00
	Executed Price (b)	90.25%
	Principal (c) = (a)*(b)	203,965.00
	Accrued Interest (Bond/ Sukuk Buy) - (d) Principal 5% coupon/ 360 days90 days	2,354.00
	Gross Amount (e) = (c) + (d)	206,319.17
	Applicable Subscription Fees (VAT inclusive) (f) Tiered Fees applied as per order placement date	1.05%
	Subscription Fees (g) = (c) * (f)	2,141.00
	Market /Third Party Charges (if any) (h)	0.00
	Total funds required in Investment Account (Buy Bond Order) (i) = (e) + (g)	208,461.00

Date		Description
1st week of November'25 (Custody Fee calculation on daily basis; charged semi-annually
	Market Value of Bond/ Sukuk	Market Price * Notional Value
	Total Days Fees Accrued (Semi-annually)(a) (i.e. since 1st May'25 till 31st October'25)	184
	Custody Fee of 0.20% accrued daily on market value of security	(0.20%/ 365 days) X Daily Market Value of Bond or Sukuk X Number of days Bond or Sukuk is held in investment portfolio
	Daily Accrued Custody Fee (assuming market value at USD 203,965 all 184 days at custody fee charged at 0.20% per annum, accrued daily) (b)	1.12
	Total Custody Fee debited on 1st week of November'25 (1st May till 31st October) (a) X (b)	205.64

Fee calculations on Exchange Traded Fund (figures in USD, as applicable)		Values
In Exchange Traded Fund (Order placement on 1st May, 2025)
	Investment in ABC Exchange Traded Fund listed on Nasdaq (a)	100,000.00
	Order Placement Type - Price at Market Order (b)	26.50
	Estimated quantity Units ('c) = (a) / (b)	3,773.58
	Existing investment amount (at cost value) with ADCB	0.00
	Applicable Subscription Fee (VAT inclusive) (d) i.e. Fees applied for US $0 - US $249,999 slab	2.10%
	Subscription Fees (e) = (a) * (d)	2,100.00
	Exchange/Third Party Charges at 0.03%*100,000 per transaction (f)	30.00
	Estimated Total funds required in Investment Account (j) = (a)+ (e) + (f)	102,130.00
Calculations on order execution date
Exchange Traded Fund (Order execution on 1st May, 2025, from Execution Only Portfolio)
	Investment in ABC Exchange Traded Fund listed on Nasdaq (a)	100,000.00
	Executed Price (b)	27.50
	Estimated quantity Units ('c) = (a) / (b)	3,636.36
	Existing investment amount (at cost value) with ADCB	0.00
	Applicable Subscription Fees (VAT inclusive) (d)	2.10%
	Subscription Fees (e) = (a) * (d)	2,100.00
	Exchange/Third Party Charges at 0.03% per transaction (f)	30.00
Estimated Total funds required in Investment Account (j) = (a)+ (e) + (f)	102,130.00

Custody Fees Calculation
1st week of November'25 (Custody Fee calculation on daily basis; charged semi-annually)
	Date	Description
	Market Value of Exchange Traded Fund	Market Price * Notional Value
	Total Days Accrued (Semi-annually) (a)	184
	Custody Fee of 0.20% accrued daily on market value (0.20% / 365 days) × Daily Market Value × Days Held	As per Wealth Services Schedule of Fees
	Daily Accrued Custody Fee (b) (0.20% / 365 days) × Estimated Total funds required in Investment Account	0.56
	Total Custody Fee debited (a × b) Assuming market value at USD 203,965 for all 184 days	102.97

Fee calculations on Mutual Funds (figures in USD, as applicable)		Values
Equity Mutual Fund (Order placement on 30th April, 2025, from Execution Only Portfolio)
	ABC Equity Fund - Order Amount (a)	50,000.00
	Last updated market price per unit (Net Asset Value - NAV) (b)	12.50
	Estimated quantity Units (c) = (a) / (b)	4,000.00
	Existing investment amount (at cost value) with ADCB	260,000.00
	Applicable Subscription Fee (VAT inclusive) (d) i.e. Fees applied for US $250,000 - US $499,999 slab	2.625%
	Subscription Fees on Buy Mutual Fund (e) = (a) * (d)	1,312.50
	Total funds required in Investment Account (f) = (a) + (e)	51,312.50
Calculations on order execution date
Equity Mutual Fund (Order execution on 2nd May, 2025, from Execution Only Portfolio)
	ABC Equity Fund - Order Amount (a)	50,000.00
	Last updated market price per unit (Net Asset Value - NAV) (b)	13.25
	Estimated quantity Units (c) = (a) / (b)	3,773.58
	Existing investment amount (at cost value) with ADCB	260,000.00
	Applicable Subscription Fees (VAT inclusive) (d) Tiered Fees applied as per order placement date	2.625%
	Subscription Fees on Buy Mutual Fund (e) = (a) * (d)	1,312.50
	Total funds required in Investment Account (f) = (a) + (e)	51,312.50

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