Standard Bank

Isingeniso neMvelaphi yeStandard Bank eNingizimu Afrika

IStandard Bank Group Limited iyibhange elikhulu kakhulu e-Afrika ngezimpahla, elinesisekelo esiqinile eNingizimu Afrika. Yasungulwa ngonyaka we-1862, leli bhange selikhule laba umholi emkhakheni wezezimali, linikeza izinsiza ezibanzi zabantu ngabanye, amabhizinisi, kanye nezinkampani ezinkulu. Igama layo elisemthethweni liyiStandard Bank Group Limited (Inombolo Yokubhalisa: 1969/017128/06) futhi isebenza ngeStandard Bank of South Africa Limited njengenkampani yayo enkulu yasebhange.

IStandard Bank ibhaliswe kwiJSE (Johannesburg Stock Exchange) ngaphansi kwekhodi ye-SBK, okubonisa ukuthembeka kwayo kanye nokusebenza obala. Inobunikazi obuxubile, obuhlanganisa abaninimasheya abakhulu nezikhungo emhlabeni jikelele. Imodeli yayo yebhizinisi ihlukaniswe yaba izigaba ezintathu eziyinhloko: Personal & Business Banking (PBB) enikeza izinsiza kumakhasimende abantu ngabanye namabhizinisi amancane naphakathi; Corporate & Investment Banking (CIB) egxile ezinkampanini ezinkulu nabatshalizimali bamazwe ngamazwe; kanye neWealth enakekela abantu abanothile. Leli bhange lihlose ukufinyelela izimakethe zasemadolobheni nasemakhaya, amabhizinisi amancane naphakathi, kanye nezinkampani ezinkulu, lisekela izimali zamaphrojekthi emandleni, engqalasizinda, nasezohwebo.

Abaholi abaqavile eStandard Bank bahlanganisa uSim Tshabalala njengoMqondisi Omkhulu Weqembu, uAbram van Wyk njengoMphathi Omkhulu Wezezimali Weqembu, uMasego Ntshingila njengoMphathi wePersonal & Business Banking, noVictor Mashawana njengoMphathi weCorporate & Investment Banking. USihlalo webhodi labaqondisi uJudy Dlamini. Ubuholi obuqinile buqinisekisa ukuthi ibhange lihlala lishintsha futhi liqhubeka nokuhlangabezana nezidingo ezishintshayo zemakethe.

Imikhiqizo yeStandard Bank yezimali Mboleko neNkonzo

IStandard Bank inikeza uhla olubanzi lwemikhiqizo yezimali mboleko edizayinelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende ayo, kusukela ezimalini mboleko zomuntu siqu kuya kwezamabhizinisi. Nansi eminye yemikhiqizo yabo eyinhloko:

Imikhiqizo Yemali Mboleko Yomuntu Siqu (Unsecured Retail Credit)

• Imali Mboleko Yesikhathi Esimisiwe (Term Loan):
  • Inani: Kusukela ku-R3 000 kuya ku-R300 000.
  • Isikhathi Sokubuyisa: Kusukela ezinyangeni eziyi-12 kuya kwezingama-84.
  • Izinga Lenzalo: Linqunyiwe, lishintsha ngokuya ngephrofayili yekhredithi yomuntu ngamunye (cishe i-12%–24% APR).
  • Izindleko: Imali yesevisi yanyanga zonke engu-R69; imali yokuqalisa (R250–R1 000); akukho nhlawulo yokukhokha ngaphambi kwesikhathi.
  • Umshwalense Wempilo Yekhredithi: Ufakiwe, uhlanganisa ukufa, ukukhubazeka, nokulahlekelwa umsebenzi.
• Imali Eyeqile (Overdraft):
  • Inani: Kusukela ku-R1 000 kuya ku-R200 000.
  • Ukukhokha: Ngama-debit order anyanga zonke; inzalo ikhokhelwa kuphela engxenyeni esetshenzisiwe.
  • Izinga Lenzalo: Liyashintshashintsha, prime + 2%–4%.
  • Izindleko: Imali yokunakekela yanyanga zonke engu-R35; imali yokusetha engu-R100.
• Uhlelo Lwesikweletu Esijikelezayo (Revolving Credit Plan):
  • Inani: Kusukela ku-R5 000 kuya ku-R150 000.
  • Isikhathi Sokubuyisa: Asinaso isiphelo; ungakhokha ngesivinini sakho kuye ngesitolimende esincane esidingekayo.
  • Izinga Lenzalo: Liyashintshashintsha, prime + 4%–6% APR.
  • Izindleko: Imali yaminyaka yonke engu-R200; imali yokusebenzisa engu-R50.
• Ikhadi Lesikweletu (Credit Card):
  • Umkhawulo: Kusukela ku-R5 000 kuya ku-R300 000.
  • Izinga Lenzalo: 21%–27% ngonyaka kubhalansi ejikelezayo.
  • Izindleko: Imali yaminyaka yonke engu-R250–R600; imali yokwenziwe kwamanye amazwe engu-2.5%.

Imikhiqizo Yemali Mboleko Yebhizinisi

• Imali Mboleko Yesikhathi Esimisiwe Yebhizinisi kanye Noxhaso Lwezimpahla (Business Term Loan & Asset Finance): Inani elisukela ku-R50 000 kuya ku-R10 million; isikhathi sokubuyisa izinyanga eziyi-12-60; inzalo prime + 1%–3%; isibambiso: imishini, impahla, noma izimali ezizotholwa.
• Uxhaso Lwemali Yokusebenza (Working Capital Financing): Izimali eyeqile ezifika ku-R5 million; inzalo prime + 2%–4%.
• Uxhaso Lwezohwebo (Trade Finance): Izincwadi zesikweletu, iziqiniseko, uxhaso lokungenisa/lokuthumela impahla.
• Isaphulelo Sama-invoyisi Noxhaso Lweketango Lokuhlinzeka (Invoice Discounting & Supply Chain Finance): Uxhaso olubhekiswe ezimalini ezizotholwa ngesaphulelo esingu-1%–2%.

Indlela Yokufaka Isicelo, Izidingo, Ubuchwepheshe Beselula kanye Nezinqubo

Inqubo yokuthola imali mboleko eStandard Bank iklanyelwe ukuba ibe lula futhi ifinyeleleke, inezinketho zedijithali nezasebhange. Nansi indlela yokwenza:

Ukwamukela Amakhasimende kanye ne-KYC (Know Your Customer)

Ungafaka isicelo ngedijithali ngeSmartBank App (etholakala ku-iOS naku-Android) noma ngeOnline Banking. Uma ukhetha indlela yendabuko, kunezikhungo ezingaphezu kuka-600 ezweni lonke. Izidingo ezibalulekile zokufaka isicelo zihlanganisa:

• Umazisi waseNingizimu Afrika.
• Ubufakazi bendawo ohlala kuyo (kungabi ngaphezu kwezinyanga ezi-3 ubudala).
• Isiliphu somholo.
• Izitatimende zebhange zezinyanga ezi-3 ezedlule.

Ibhange lisebenzisa ukuqinisekisa umazisi okuzenzakalelayo nokuqinisekisa ikheli, futhi lenza ucwaningo oluqinile olusekelwe ezingozini zezicelo ezinenani eliphezulu.

Ukulinganisa Ikhredithi kanye Nokubhalisa

IStandard Bank isebenzisa uhlelo lwayo lokulinganisa ikhredithi (1–999) kanye nokulinganisa ukuziphatha kwamakhasimende akhona. Kuhlaziywa ukuthi umuntu uyakwazi yini ukukhokha ngokubheka imali engenayo, izindleko, izibopho ezikhona, kanye nezinga lobungozi. Izicelo ezinanani eliphezulu noma ezingajwayelekile zidinga ukubuyekezwa ngesandla.

Ukunikeza Imali kanye Nokuqoqwa Kwezimali

Ukunikeza imali kwenziwa ngokushesha nge-EFT (Electronic Funds Transfer) iye ku-akhawunti yokwenziwe noma ngokheshi ezikhungweni. Ukuqoqwa kwezimali kwenziwa ngama-debit order, izitolimende zamakhadi esikweletu, noma izinkokhelo ezenziwa ngesandla. Izinkokhelo ezifika sekwephuze zithola inzalo yenhlamulo (prime + 6%) nemali yokulawula engu-R150. Ezingozini ezingaphezu kwezinsuku ezingama-90, kusetshenziswa izinqubo zokuqoqa ezihlelekile, okuhlanganisa izikhumbuzo, izaziso zomthetho, kanye nokuqoqwa kwangaphandle.

Uhlelo Lokusebenza Lweselula lwe-SmartBank kanye Nobuchwepheshe

Uhlelo lokusebenza lwe-SmartBank lwaziwa kakhulu ngezici zalo ezibanzi nokusebenza kalula. Luthola isilinganiso esingu-4.6★ ku-iOS (kusuka ezilinganisweni ezingaphezu kuka-50 000) kanye no-4.2★ ku-Android (kusuka ezilinganisweni ezingaphezu kuka-100 000). Izici ezibalulekile zifaka:

• Ukudlulisa imali nokukhokha izikweletu.
• Ukuphatha izimali mboleko.
• Ukuphatha utshalomali.
• Ukubuka izitatimende.

Iwebhusayithi yasebhange inikeza amakhono aphelele okwenziwa kanye nawokweluleka ngephothali ye-Online Banking. IStandard Bank inamanethiwekhi atholakala ezweni lonke, anezikhungo ezingaphezu kuka-600, ama-ATM angaphezu kuka-2 000, kanye ne-USSD (*120*2345#) yokufinyelela okulula. Inamakhasimende angaphezu kwezigidi eziyi-12 asebenzayo nabantu ngabanye kanye namakhasimende amabhizinisi amancane angaphezu kuka-460 000, kanti u-84% wawo usebenzisa iziteshi zedijithali.

Ukulawulwa, Isimo Semakethe Nokuqhathanisa Nezimbangi

IStandard Bank isebenza ngaphansi kohlelo oluqinile lokulawula nolokuhambisana emithethweni, okuqinisekisa ukuthembeka nokuphepha kwamakhasimende ayo. Imisebenzi yayo ilawulwa yiSouth African Reserve Bank (ngezimali zokusebenza zebhange), i-FSCA (Financial Sector Conduct Authority) ngezinqubo zokuziphatha, i-NCR (National Credit Regulator) ngekhredithi, kanye ne-FIC (Financial Intelligence Centre) ngokulwa nokushushumbiswa kwemali.

Ibhange libambelela ngokuqinile emithethweni efana neBanks Act, iNational Credit Act, kanye nezidingo zokuvikelwa kwedatha zePOPIA. Ezinyangeni eziyisihlanu ezedlule, ayikho inhlawulo enkulu yokulawula ebekwe phezu kwayo, ngaphandle kwezaziso ezithile zokubambezeleka ekubikeni, okwalungiswa ngokushesha. IStandard Bank izibophezele ekuvikeleni amakhasimende, inikeza ukudalulwa kwezindleko obala, ukwesekwa ekwelulekeni ngezinkinga zezikweletu, kanye nekhodi yokuziphatha ekuphatheni ibhizinisi.

Isimo Semakethe Nokuqhathanisa Nezimbangi

IStandard Bank iyibhange elihamba phambili eNingizimu Afrika, inesabelo semakethe esingu-34% ezimalini mboleko zezindlu, u-27% kwezezindlu ezithengekayo, futhi ingunombolo 1 kwezimali zempahla kanye nekhredithi yabathengi. Izimbangi zayo ezinkulu eNingizimu Afrika zihlanganisa i-FNB, i-ABSA, i-Nedbank, kanye ne-Capitec.

Okuhlukanisa iStandard Bank ezimbangini zayo yisisekelo sayo esibanzi kulo lonke elase-Afrika (isebenza emazweni angaphezu kuka-20), ukuqamba okusha kwezobuchwepheshe bedijithali, kanye nezinhlelo eziqinile zokweseka amabhizinisi amancane naphakathi. Izinhlelo zayo zokukhula zibandakanya ukwandisa izinkundla zedijithali, ukwakha imikhiqizo yezimali eluhlaza, kanye nokusebenzisana ngamasu ne-IFC (International Finance Corporation) kanye nezinkampani zocingo ukuze kufakwe abantu abaningi emkhakheni wezezimali.

Ukuhlangenwe Nakho Kwamakhasimende Neseluleko Kwabafuna Ukuboleka

Ukuhlangenwe nakho kwamakhasimende ngeStandard Bank kuyehluka, njengoba kuboniswa izilinganiso ezahlukene ezinkundleni ezahlukene. Ku-Trustpilot, ibhange lathola isilinganiso esingu-1.9★ kusuka kuzibuyekezo ezingama-288. Izikhalazo ezijwayelekile zihlanganisa ukungasebenzi kahle kohlelo lokusebenza lweselula, ukubambezeleka ekunikezeni isevisi, kanye nokuphikisana ngezimali. Kodwa-ke, kukhona nokukhuluma okuhle ngobungcweti babasebenzi bezikhungo. Ezinye izikhalazo ezivamile zihlanganisa ukuphazamiseka kwenkundla yeselula, ukuxazululwa kokuphikisana okuhamba kancane, kanye nobunzima bokusebenzisa indawo entsha yebhizinisi yasebhange. Noma kunjalo, ibhange linikeza izinsiza ezifana nesikhungo sezingcingo esisebenza ubusuku nemini, ama-chatbot, kanye nokwesekwa ezinkundleni zokuxhumana.

Kukhona nezindaba zempumelelo, njengokuxhasa amabhizinisi amancane naphakathi ezindaweni zasemakhaya kanye namaphrojekthi wamandla avuselelekayo (njengeDu Plessis Solar PV2) ngezigaba zayo zeCorporate & Investment Banking. Lokhu kubonisa ikhono layo lokusekela ukuthuthukiswa komnotho eNingizimu Afrika.

Iseluleko Esisebenzayo Kwabafuna Ukuboleka Imali

Uma ucabanga ukuboleka imali eStandard Bank, nansi eminye imihlahlandlela ewusizo:

• Hlola Iphrofayili Yakho Yekhredithi: Ngaphambi kokufaka isicelo, qinisekisa ukuthi iphrofayili yakho yekhredithi ihle. Lokhu kungathuthukisa amathuba akho okuvunywa futhi kunciphise izinga lenzalo.
• Qhathanisa Amazinga enzalo nezindleko: Hlala uqhathanisa izikweletu ezahlukene ezivela eStandard Bank ukuze ukhethe leyo ehambisana kangcono nezidingo zakho nezimo zezimali. Qonda ngokucacile izinga lenzalo, izindleko zenyanga, kanye nemali yokuqalisa.
• Qonda Imigomo Nemibandela: Funda ngokucophelela yonke imigomo nemibandela yemali mboleko. Qinisekisa ukuthi uyazi ngezikweletu zokukhokha sekwephuze, izinkokhelo zokukhokha ngaphambi kwesikhathi (uma zikhona), kanye nezinyathelo zokuqoqwa kwemali.
• Sebenzisa Uhlelo Lokusebenza Lweselula: I-SmartBank App inikeza izinsiza eziningi zokuvumelana. Yisebenzise ukuphatha izimali zakho mboleko, ukukhokha izikweletu, nokuhlola izitatimende.
• Xhumana Nosekelo: Uma uhlangabezana nezinkinga noma unemibuzo, ungangabazi ukuxhumana nesikhungo sabo sezingcingo esisebenza ubusuku nemini noma uthole usizo ezinkundleni zokuxhumana.
• Phatha Ukukhokha Kwakho: Qinisekisa ukuthi uhlela ukukhokha ngesikhathi ukuze ugweme izikweletu ezengeziwe kanye nokulimaza iphrofayili yakho yekhredithi.

Ekuphetheni, iStandard Bank yibhange elikhulu elinohlelo olunzulu lwemikhiqizo yezimali mboleko, ukuhambisana okuqinile nemithetho, neziteshi zedijithali ezithuthukile, okuyenza ihlale ingumholi emkhakheni wezebhange eNingizimu Afrika nasezimakethe ezibanzi zase-Afrika. Ngokuqonda izinsiza zayo kanye nokulalela iseluleko esisebenzayo, ababolekayo bangathatha izinqumo ezinolwazi mayelana nezidingo zabo zezimali.