From the banking parts, we analyzed and checked the various commissions, agios and interests practiced by the studied bank.
With this intention, we gathered these Agios commissions and interest
- Interest and commissions on bank overdrafts taken quarterly by the bank
- Interest on credit medium term of reorganization
On the level of each category, we proceeded:
- Initially, with the observation of the various rates and commissions calculated and applied by the bank.
- In second place, with the comparison with the conditions of bank if they exist
- In third place, with the calculation of the scales of interests and banking agios by taking account of the following assumptions:
- Elimination of the capitalization of the banking agios on scales of interests in accordance with articles 1098 and 1099 of the code of the obligations and the contracts.
- Elimination of on invoicings of commissions and others
- Reports to the bank of the various mistakes and rectification of the overall amounts invoiced on the basis of the initial and consequent amounts.