Fees Governance – Executive Concept

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⚠️

Reality Check

Fees exist and are being charged, but governance is fragmented
>35% of fees charged without unified fee code
Limited visibility on revenue application and control
Manual processes with inconsistent fee application

✅

Core Concept

Central governance of all fee definitions
Unique Fee Code for every approved fee
One source of truth for audit & control
Complete revenue visibility across all channels

Fee Name	Fee Code	Code Source	Charging Method
Dormant Corporate Account Fee	FEE-CORP-DORM-001	New Governance System	Manual / Bulk
Expired Document Fee	FEE-DOC-EXP-002	New Governance System	Manual
Account Maintenance Fee	FEE-RET-MAINT-001	T24	Automatic
Cheque Book Fee	FEE-RET-CHQ-004	T24	Automatic
Statement Reprint Fee	FEE-RET-STMT-003	New Governance System	Manual
Trade Finance Amendment	FEE-CORP-TF-007	T24	Automatic

👤

Employee View

Select Fee Code from approved list only
No manual description or amount entry
Maker/Checker approval for all transactions

💼 Fee Deduction Screen

Fee Code:

Amount: 100 QAR (Auto-calculated)

Customer:

"Staff executes – system controls"

📊

Management View

Complete visibility of all fees by code
Clear split: T24-governed vs Non-T24 fees
Revenue gaps identification

12.5M

Total Revenue (QAR)

142

Active Fee Codes

T24 Governed (65%)

New Governance (35%)

⚠️ Revenue Gap: 2.1M QAR approved but uncollected

"Management oversees – full visibility"

💰

Revenue Uplift

This initiative does NOT create new fees. It increases profits by identifying and recovering approved fees that are currently not collected due to missing fee creation, uncontrolled manual processes, and lack of governance.

Every approved fee becomes collectible. Every gap becomes visible.

🚀

Automation Roadmap

Phase 1

Governance

Now

Phase 2

Partial Auto

High-volume

Phase 3

Full Auto