Merchant Rates, Exchange Margins and TT or Bill Rates

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Merchant Rates, Exchange Margins and TT or Bill Rates for CAIIB BFM

Learn how banks determine merchant forex rates and correctly apply TT buying, TT selling, bill buying and bill selling rates for CAIIB BFM. This article explains exchange-margin logic, transaction identification, bank buying versus selling, forward-period impact and practical banking applications, with special focus on the numerical concepts and common traps that frequently confuse learners.

18 min read