Citat:
djoka_l:
Eto, šteta što te Banka Intesa nije uzela za finansijskog savetnika, onda ne bi platila 260m dinara prošle godine samo po osnovu PDV-a.
Meni se cini da si pogresio smer u kome ide PDV. Banka naplati PDV od klijenata i plati ga drzavi - na nuli je. Banka plati PDV svojim "dobavljacima", i onda ga dobije nazad od drzave.
To da li ce ona prebiti prvo razlike je nebitno, neto korist drzave je nula.
Ima sem sefova jos stvari za koje se placa PDV, usluge KB recimo. Osim ovih bas najmanjih banaka, sve ostale samo kroz KB izvestaje imaju dovoljno da predju 2 miliona dinara prometa za usluge, na koje se naplacuje PDV, da bi onda imale pravo na povracaj PDVa za usluge koje one plate svojim dobavljacima.
Sto se teme time... na 500e te zanima da li vredi ici u Madjarsku, podici forinte, juriti menjacnicu, zameniti u evre, pa onda evre u dinare ovde? Ne. Da to radis stalno, isplati se da sebi saljes devize na racun ovde, ali da se cimas za po 500e ne. Cak i da ides u Madjarsku stalno.
Nase banke nemaju dodatne provizije za koriscenje njihovih bankomata, nije to UK, Ceska, Dubaj... gde cak i ne vidim koliko bankomat dodaje, a on ipak naplati debelo, i bez opcije da li hoces.
OTP ce ti naplatiti oko 4%, ako podizes u Srbiji, otprilike. 2-3% je fee, minimum 2e, verovatno kao i skoro svugde za bankomate van EU, plus FX fee:
Code:
74) Exchange rates used upon the settlement of the debit transactions
a) In the case of transactions performed by Maestro, MasterCard and VISA cards outside of Hungary and in Hungary not in forint (except cash withdrawal transactions performed in euro ATMs operated by OTP Bank in Hungary, and the transactions carried out in OTP Bank's Hungarian network in euro and US dollar), the original currency of the transaction will be converted to euro by the International Card Association at its own exchange rate. The Bank will convert the amount settled by the International Card Association to forint at the first FX sell rate of the day, prevailing at the Bank on the settlement date applied by the Card Association.
b) The exchange rate used for the transactions performed in the euro ATMs operated by OTP Bank in Hungary, and of the euro and US dollar transactions carried out in OTP Bank's Hungarian network shall be the first FX sell rate of the day, prevailing at the Bank on the transaction date.
A FX fee za dinare im je tacno 1.5%.
[Ovu poruku je menjao Dexic dana 06.11.2018. u 10:43 GMT+1]