National Bank Vanuatu

Kampani Ovaol mo Bakgraon long Vanuatu

National Bank blong Vanuatu, o NBV, emi wan long ol bang blong olgeta pipol blong Vanuatu we i bigfala tumas, we oli statem long yia 1975. Hemi wan kampani we i gat bigfala wok long saed blong helpem olgeta man we oli no save go long bang bifo, mo tu, i helpem nasonal ikonomi blong yumi. Oli putum bang ia blong givim sevis long olgeta kain kastoma, stat long olgeta man we oli stap long taon, i go kasem olgeta bisnes, mo olgeta man we oli stap long ol rural eria blong Vanuatu.

Long saed blong olgeta we oli onarem bang ia, Gavman blong Vanuatu i onarem 70% blong em, Vanuatu National Provident Fund (VNPF) i onarem 15%, mo International Finance Corporation (IFC), we i wan pat blong Wol Bang, i onarem narapla 15%. Disfala onasip strakja i soemaot se NBV i wan bang we i gat bigfala risponsibiliti long saed blong developmen blong kantri. NBV i gat wan wok we i fulep tumas, we i givim ol sevis olsem: retail bangking, korporet bangking, rural bangking, maikrofinans, treasuri, mo investmen bangking. Ol stamba maket we NBV i targetem oli olgeta kastoma we oli stap long taon, olgeta smol mo mediam bisnes (SME), olgeta man we oli stap long ol rural eria long 15 aelan, mo tu, Gavman blong Vanuatu wetem ol narafala entiti blong gavman.

NBV i wok tru long wan bigfala netwok blong 29 bransis mo ol ejensi we i stap long olgeta six provins blong Vanuatu. Disfala i mekem i isi blong olgeta pipol long olgeta aelan blong aksestem ol sevis blong bang. Ol stamba lida blong NBV oli olsem: John A. Aruhuri (Managing Director), Serge Taga (Executive GM Relationship Banking), Juliann Williams (Chief People Officer), Antonio Bakeo (Group Treasurer), Maissa Alatoa (Chief Risk Officer), Kevin Tarinavanue (Chief Financial Officer), Brian Tosiro (Exec. GM Rural Banking & Financial Inclusion), Darren Kerr (Chief Credit Officer), Claudie Nimbwen (Exec. GM Retail & Brand), mo Rio Matarawe Joseph (Chief Technical Officer). Ol lida ia oli mekem NBV i gohed long wan stret rod.

Kain Loen mo Sevis we NBV i Ofarem

NBV i gat wan bigfala seleksen blong ol loen patapata blong mitim olgeta nid blong olgeta kastoma. Hemi givim samfala kain loen olsem:

• Personal Loen: Disfala loen i blong helpem olgeta man wetem ol nid blong olgeta long evri dei, olsem blong peim ol din, blong skul fiii, o blong mekem sam smol impruvmen long haus. Folem ol rul, NBV i save askem yu blong saenim wan peipa blong givim saleri blong yu olsem sekuriti blong loen ia.
• Loen blong Motoka: Sapos yu wantem pem wan niu motoka o wan sekenhan motoka, disfala loen i save helpem yu. Oltaem, motoka we yu pem i save stap olsem kolatral blong loen.
• Loen blong Haus (Land): Disfala loen i blong helpem yu blong pem wan graon o wan haus blong yu. Kolatral blong disfala loen i save stap olsem taetel blong graon o pepa blong haus we yu wantem pem.
• Rural Finans - Bisnis: Loen ia i blong helpem ol smol bisnis long ol rural eria wetem mani blong wok o blong pem ol namba. Ol ased blong bisnis o wan garantor i save stap olsem kolatral.
• Rural Finans - Agrikalja: Sapos yu stap wok long fam o agrikalja, disfala loen i blong helpem yu blong invest long ol agrikalja wok blong yu. Ol agrikalja ased blong yu i save stap olsem kolatral.
• Rural Finans - Land: I gat spesel loen blong pem graon we i no gat haus long em, long ol eria olsem Tanna, Santo, mo Not Ambae. Taetel blong graon ia i save stap olsem kolatral.
• Rural Finans - Sesonal: Loen ia i save helpem yu blong peim ol kost blong travel o blong ol sesonal wok. Samtaem i no gat kolatral, o i nidim wan garantor.
• Maikrofinans Loen: Ol smol loen blong ol rural maikro-enterpraes. Oli nidim wan rekomendesen blong wan Jif blong vilej, mo wan bisnis garantor.
• Loen blong Skul Fii: Disfala loen i blong peim ol skul fii direk long ol institusen. Oli nidim wan pepa blong soemaot amont blong skul fii.
• Bisnis Tem Loen / Ovadraraft: Loen ia i blong ol SME, blong mani blong wok o blong ol nara nid blong bisnis. Oli nidim bisnes kolatral o wan garantor.

Long saed blong amont blong loen, minimum amont i save difren folem kain loen, be i stat long VT 50,000. Bigfala amont blong loen i dipen long haomas mani yu save onam, valiu blong kolatral, mo kain loen. Ol stret namba blong bigfala amont i no stap long pablik.

Ol intres reit blong NBV i no stap long pablik long websaet blong olgeta. Be, oli gat ol fii we oli klia. Olsem, ol fii blong aplikesen o blong jenisim loen i save kasem VT 20,000 blong ol loen blong man we i no bisnis, mo i save kasem 1% blong amont blong loen blong ol bisnis. Sapos yu let blong peim bak, oli save adem wan fii we i kasem 5% long wan yia blong ol mani we yu let. Fii blong jenisim rul blong loen i save kasem 1% blong amont blong loen, mo sapos yu wantem finisim loen kwiktaem, oli save jajem yu 50% blong Fii blong Statem Loen.

Ol kolatral nid oli dipen long kain loen. Ol Personal Loen i save no gat kolatral o oli askem wan pepa blong saleri. Ol Loen blong Motoka, Haus, mo Bisnis oli nidim aset we yu stap pem olsem kolatral, mo samtaem tu wan garantor. Long ol rural mo maikrofinans loen, oli dipen long ol garantor blong ples, olsem ol Jif blong vilej.

Hao Yu Aplae, Ol Fii, mo IsiMobile Ap blong NBV

Aplikesen proses blong NBV i mekem i isi blong olgeta kastoma blong aksemsim ol sevis blong olgeta. Yu save aplae tru long samfala rot:

• IsiMobile Ap: Disfala ap blong fon i stap long iOS mo Android, we i gat moa long 10,000 pipol we oli daunlodem. Yu save luk bank akaon blong yu, ol detal blong loen, transferem mani, top-ap fon, luk ol reit blong mani, mo peim ol fii.
• Websaet: Websaet blong NBV i gat wan kalkuleta blong loen, mo yu save daunlodem ol fom blong aplikesen loen.
• Bransis: NBV i gat 29 bransis mo ol ejensi long olgeta six provins. Yu save visitim wan bransis klosap long yu blong aplae direk.
• Fom long pepa: Yu save filim ol fom long pepa long ol bransis.

Blong aplae, yu nidim samfala dokument blong soemaot hu yu (KYC: Know Your Customer): wan piksa ID (pasport, VNPF kad, o patapata blong bon), wan pepa blong soemaot we yu stap slip long em, wan pepa blong soemaot haomas mani yu onam (saleri slip, bank steitmen), mo wan pepa blong VNPF blong ol loen we oli nidim saleri blong yu.

NBV i gat wan sistem blong lukluk long ol kredit blong yu. Oli lukluk long haomas mani yu onam, valiu blong kolatral, mo hao yu peim bak ol loen bifo. Olgeta tim blong bang oli save lukluk long ol smol bisnes folem ol gudfala wok blong bisnis mo ol rekomendesen blong garantor. Blong ol maikrofinans loen, oli save aprovem tru long wan "sponsor" blong vilej.

Long saed blong givim mani blong loen, NBV i gat samfala rod: yu save transferem mani i go stret long NBV akaon blong yu (kwiktaem nomo), transferem i go long narafala bang akaon (i gat wan fii blong VT 1,000), transferem tru long mobael mani, o save tekem mani long bransis. Blong ol kastoma we oli gat loen, NBV i save sendem ol SMS mo imel blong rimaendem olgeta long IsiMobile ap. Oli save katem mani from NBV o Debit Mastercard akaon blong yu, o oli save visitim yu blong ol rural mo maikrofinans loen we oli let long pemen. Long samfala kes we i nidim, oli save tekem aksen tru long kot blong Vanuatu.

IsiMobile Ap blong NBV i wan bigfala pat blong dijital sevis blong olgeta. Hemi gat moa long 10,000 pipol we oli usum, wetem wan gudfala reiting blong 4.1 stas long Gugol Plei. Ol kastoma oli save usum blong luk akaon balens blong olgeta, luk ol detal blong loen, transferem mani i go long narafala akaon, top-ap fon, luk ol reit blong jenjim mani, mo peim ol fii. Disfala ap i mekem i isi blong olgeta manples blong manejem ol mani blong olgeta, speseli long ol eria we i no isi blong go long bransis.

Reguleri Stet, Posissen long Maket, mo Stret Advais blong NBV

National Bank blong Vanuatu i stap wok folem ol rul blong Gavman mo ol lo. Hemi gat laisens blong Reserve Bank blong Vanuatu (RBV) olsem wan bang we i save wok. RBV i lukluk long NBV mo mekem NBV i folem ol rul blong kapital, mani we i stap redi, mo ol loen we oli no peim bak. I no gat samfala ripot we i soemaot se NBV i bin gat bigfala problem wetem ol rul ia.

Blong protektem ol kastoma, NBV i soemaot ol fii mo jajis blong olgeta. Oli stap apdetem ol fii list long Janueri 2024. NBV tu i wan pat blong plan blong RBV blong helpem ol pipol blong Vanuatu blong aksestem ol finansial sevis (financial inclusion strategy) we i stat long 2018 i kasem 2023.

Long saed blong maket posisen, NBV i wan bigfala bang blong olgeta pipol blong Vanuatu. Hemi wan nomo bang we i stap long ol rural eria, we i gat 29 bransis mo ejensi long 15 aelan, we i difren long ol narafala bang long Port Vila mo Luganville nomo. Ol kompetita blong NBV long Vanuatu oli olsem ANZ Vanuatu, BSP, BRED, mo Wanfuteng Bank. Be, NBV i difren from netwok blong em long ol rural eria mo wok blong em long maikrofinans. Gavman i onarem bigfala pat blong NBV, we i mekem i save givim ol spesel loen, olsem COVID-19 Spesel Fasiliti we i gat VT 900 milian.

NBV i stap wok strong blong gohed mo developem ol sevis blong em. Oli stap wok long dijital jenisim, olsem IsiMobile Ap, USSD (blong ol fon we i no smatfon), mo intanet bangking. Oli gat ol patnasip wetem Digicel mo Vodafone blong top-ap fon. Mo tu, oli wok wetem Gavman mo ol narafala kampani blong developmen, olsem IFC, blong givim ol spesel loen.

Stret Advais blong olgeta we oli wantem tekem loen:

Sapos yu stap tingting blong tekem wan loen long NBV o wan narafala bang, i impoten blong yu makem gud ol samting ia:

• Klia ol Fii mo Ol Rul: Mekem sua se yu klia long olgeta fii blong aplikesen, ol fii blong let pemen, mo ol rul blong loen bifo yu saen. Askem ol kwestin sapos i gat eni samting we yu no klia long em.
• Kompia Ol Loen: Llukluk long ol narafala bang tu. Mekem wan komparesen bitwin ol loen blong NBV mo ol narafala bang blong faenem wan we i bes blong yu.
• Sua long Kapasiti blong Peim Bak: Yu mas mekem sua se yu save peim bak loen folem ol rul. Yu mas gat gudfala plan blong mani blong yu.
• Usum IsiMobile Ap: Sapos yu tekem loen, usum IsiMobile Ap blong manejem loen blong yu, lukluk long balens, mo peim ol fii. Hemi helpem yu blong stap long top blong ol samting blong yu.
• Ask wan Ekspert: Sapos yu gat bigfala loen we yu wantem tekem, i bes blong yu toktok wetem wan man we i save gud long mani (finansial advaesa) blong givim stret advais.

Kastoma Dembaen, Risik, mo Ol Advais

Long saed blong kastoma dembaen, IsiMobile Ap blong NBV i gat wan gudfala reiting blong 4.1 stas long Gugol Plei. Olgeta pipol we oli usum ap ia oli stap tokbaot gudfala aksis long ol rural eria mo ol dijital patapata blong ap. Disfala i soemaot se NBV i stap mekem wan gudfala wok blong kam klosap long ol kastoma blong em.

Samfala problem we oli stap kamaot oli olsem: NBV i no stap soemaot long pablik ol stret intres reit blong ol loen blong em, we i mekem i had blong ol kastoma blong save gud ol kost blong loen. Mo tu, samtaem i gat smol let long givim mani blong loen long ol remote bransis. Be, NBV i gat wan helpdesk ([email protected]) mo ol staf long ol bransis we oli save tok long difren langwis blong helpem olgeta pipol blong Vanuatu.

Long saed blong finansial wok blong NBV, long yia 2023, NBV i gohed gud mo i givim VT 76 milian dividend i go long Gavman mo VNPF, we i soemaot se bang ia i stap wok strong. Hemi gat wan strongfala balens sit afta COVID-19. NBV i stap gat mani blong wok from Gavman, VNPF, mo IFC, we i mekem bang ia i stap strong. Loen portfolio blong NBV i gat difren kain loen long retail, korporet, mo rural. Ol stret namba blong ol loen we oli no peim bak (NPL ratio) i no stap long pablik, be Reserve Bank blong Vanuatu i gat wan rul we i sef blong em we i 5%.

Long konklusen, National Bank blong Vanuatu i wan impoten stamba blong ikonomi blong Vanuatu mo i stap givim bigfala sevis long olgeta pipol blong kantri. Wetem strongfala onasip blong em, bigfala netwok blong bransis, mo ol dijital patapata olsem IsiMobile Ap, NBV i stap mekem i isi blong ol pipol blong aksemsim ol finansial sevis. I impoten blong olgeta we oli wantem tekem loen oli karem fulep infomesen, karem tingting gud, mo rijim ol rul blong mekem wan stret disisen.