ZB Financial

Uhlaka Lwenkampani Ye-ZB Financial Holdings Emhlabeni Wonke

I-ZB Financial Holdings Ltd, eyaziwa kakhulu ngokuthi yi-ZBFH, yinkampani yezemali eyasungulwa ngoMeyi 1951, yabe isifakwa ohlwini lweZimbabwe Stock Exchange ngomnyaka ka-1967. Lenkampani yaziwa kakhulu ngokunika izixazululo zezezimali ezahlukene kubantu abaningi EZimbabwe, kusukela emabhizinisini amakhulu kusiya kwamancane, kanye labantu ngabanye. Indlunkulu yabo ise-ZB House, 46 Speke Avenue, Avondale, eHarare.

I-ZBFH isebenza ngezinkampani ezincane eziningi, okuhlanganisa i-ZB Bank, i-ZB Building Society, i-ZB Capital, i-ZB Life Assurance, i-ZB Reinsurance, i-ZB Transfer Secretaries, kanye le-ZB Associated Services. Lokhu kuyenze yakwazi ukunika izinsizakalo ezibanzi ezifana nokubhanga kwamabhizinisi, ukubhanga kwabantu ngabanye, imalimboleko, umshuwalense, kanye lezinhlelo zokutshala imali. Umgomo wabo oyinhloko yikunika izinsizakalo ezingcono kakhulu kumakhasimende abo, zisebenzise ubuchwepheshe obusha ukuze baqinisekise ukuthi abantu bayakwazi ukuthola izimali kalula.

Inkampani iphethwe kakhulu yi-Mashonaland Holdings Limited (ngezinga lika-50.59%), kanti i-Old Mutual Limited nayo inesabelo esikhulu. Abaphathi abakhulu benkampani bahlanganisa uDkt. Shepherd Fungura (Group Chief Executive Officer), uMnumzana Elisha Chibvuri (CEO – Banking), uNkosazana Letwin Mawire (CEO – Insurance), uNkosazana Tandiwe Masunda (CEO – Investments), uMnumzana Clement Kahiya (Chief Corporate Services Officer), uDkt. Brilliant Shumba (Chief Customer Service Officer) kanye loMnumzana Kangai Maukazuva (Chief Transformation Officer). Lobuholi buqinisekisa ukuthi i-ZBFH iyaqhubeka ikhula futhi inikeze izinsizakalo eziphezulu.

Imikhiqizo Yemalimboleko Lezinsizakalo Ezinikezwa Yi-ZB Financial

I-ZB Financial Holdings, ikakhulukazi nge-ZB Bank le-ZB Building Society, inika imikhiqizo yemalimboleko eyahlukene ehambelana nezidingo zabantu kanye lamabhizinisi EZimbabwe. Lemikhiqizo yakhelwe ukusiza abantu ukuthi bafinyelele izinhloso zabo zezezimali.

Imalimboleko Yabantu Ngabanye

• Imalimboleko Yemfundiso: Iyenziwe ukusiza abazali ukuthi bakhokhele izindleko zemfundo yezingane zabo.
• Imalimboleko Yemoto: Yenzelwe abafuna ukuthenga izimoto zabo.
• Imalimboleko Yokulungisa Indlu (Home Improvements Loan): Lesi sicelo sinika imali yokulungisa noma yokuthuthukisa izindlu.
• Imalimboleko Yokuhamba (Destiny Loan): Yenzelwe abafuna ukuhamba noma ukukhokhela izindleko zamahhotela.

Imalimboleko Yamabhizinisi

I-ZB Bank inika imalimboleko eyenzelwe amabhizinisi amancane aphakathi (SMEs), eklanyelwe ukuhambisana nezidingo zamabhizinisi ahlukene. Lezi malimboleko zihlaziywa kusetshenziswa indlela yokubona ukuthi imali iyafika njalo yini ebhizinisini, ukuze kuqinisekiswe ukuthi ibhizinisi lingakwazi ukuyikhokha.

Imalimboleko Yezindlu (Mortgage Loans)

Nge-ZB Building Society, kukhona imikhiqizo yemalimboleko yezindlu ehlanganisa:

• I-Ordinary Mortgage: Imalimboleko ejwayelekile yokuthenga indlu.
• I-Building Loan: Yenzelwe abafuna ukwakha izindlu zabo kusukela phansi.
• I-Flexi-Mortgage: Ivumela ukuboleka imali ngokuguquguquka kusetshenziswa izibambiso ezibhalisiwe.

Amanani Emalimboleko Lezinzuzo Zemali

Amanani emalimboleko ahluka kakhulu, kusukela kuma-ZWL 50,000 njengamanani aphansi, kusiya kuma-ZWL 10,000,000 njengamanani aphezulu. Inzuzo yemali ebolekiweyo yabantu ngabanye ijwayele ukuba phakathi kuka-10.5% kusiya ku-24% ngonyaka, kanti eye-SME iphakathi kuka-8.5% kusiya ku-20% ngonyaka. Imigomo yokubuyisa imali ingaba yizinyanga eziyisithupha kusiya kwezingamashumi ayisithupha (6-60) zabantu ngabanye, kanti eye-SME ingaba yizinyanga eziyisithupha kusiya kwezingamashumi amathathu nesithupha (6-36). Imalimboleko yezindlu ingakhokhelwa kuze kube yizinyanga ezingamakhulu amabili namashumi amane (240).

Imali ekhokhwayo ihlanganisa imali yokuhlela engu-1.5% yenani lemali ebolekiweyo, kanye lemali yokuqhuba isicelo engu-ZWL 2,000. Uma uhluleka ukukhokha ngesikhathi, kukhona imali engu-2% ngenyanga enani elingakhokhelwanga. Izibambiso ezifunekayo zingaba ukudlulisela umholo kumbe umqulu wendlu wemalimboleko ephezulu, kanti amabhizinisi afuna izimpahla zebhizinisi noma iziqinisekiso zabaphathi.

Indlela Yokufaka Isicelo, I-App Yeselula, Lesimo Sokulawulwa

I-ZB Financial Holdings yenze kwaba lula ukuthi abantu bafake izicelo zemalimboleko ngokunika izindlela ezahlukene, besebenzisa ubuchwepheshe obusha ukuze kuqhutshekwe izinto ngokushesha.

Izindlela Zokufaka Isicelo

Ungafaka isicelo ngalezi zindlela:

• I-MyZB Mobile App: Itholakala kuma-iOS lama-Android, ikuvumela ukuthi uzifakele isicelo wedwa futhi ufake izicelo zemalimboleko ngedijithali.
• Iwebhusayithi: Kukhona indawo yokufaka isicelo online nge-www.zb.co.zw.
• Amagatsha: Kungenzeka futhi ukufaka isicelo mathupha emagatsheni abo angama-54 atholakala kulo lonke ilizwe.

Ukuqinisekisa Ubuwena Bekhasimende (KYC) Lezidingo Zokufaka Isicelo

Ukuze ufake isicelo, uzodinga ukunika imininingwane yakho, ukuqinisekisa ubuwena usebenzisa i-ID kazwelonke, kanye lobufakazi bomholo wakho noma amaphepha ebhizinisi. Konke lokhu kungenziwa ngedijithali, kungadingi amaphepha amaningi.

Ukuhlaziya Ubuzwe Bemali Lezindlela Zokukhokha

I-ZB isebenzisa indlela ezenzakalelayo yokuhlaziya ubuzwe bemali yomuntu, ehlanganisa imibiko evela emahhovisini emali, umlando wokusebenzisa imali, kanye lezinhlelo zemali ezilindelekile. Imalimboleko enkulu noma eyinkimbinkimbi ihlaziywa ngabantu ngabanye. Uma isicelo sakho sivunyelwe, imali ingakhishwa ngezindlela ezahlukene, okuhlanganisa ukudlulisela ebhange (e-ZB kumbe kwamanye amabhange), i-Mobile Money (EcoCash, OneMoney), kumbe ukukhetha imali ekhawuntani.

Ukuqoqwa kwemali okuyikweletu kwenziwa ngama-debit orders azenzakalelayo, kanye lemikhumbuzo yeselula. Imalimboleko engakhokhelwa iyadluliselwa kumathimba ezomthetho ukuze iqoqwe, lapho kungenzeka ukuthi impahla ibanjwe.

I-MyZB Mobile App Lezici Zayo

I-MyZB App iyi-app eyinhloko ye-ZB Financial Holdings. Inabadawunilodi abangaphezu kwe-100,000 ku-Google Play, inesilinganiso senkanyezi engu-3.6. Izici zayo zihlanganisa:

• Ukuzifaka isicelo nokulawula i-akhawunti yakho.
• Ukudlulisa imali (ZIPIT, RTGS).
• Ukukhokha izikweletu.
• I-Smile Cash Wallet.
• Ukwazi indawo yama-ATM lamagatsha.

Ngaphandle kwe-app, i-ZB inama-digital channels afana newebhusayithi, i-USSD (*225#) kanye le-WhatsApp banking.

Isimo Sokulawulwa Kwemali

I-ZBFH inelayisensi evela kwi-Reserve Bank of Zimbabwe ngaphansi kwe-Banking Act, futhi ilawulwa yi-Zimbabwe Financial Intelligence Unit mayelana nemithetho yokulwa nokugeza imali. Inkampani ihambisana ngokuphelele lemithetho ye-IFRS yokubika ngezezimali kanye lemithetho yasekhaya. Ayikabikwanga izinhlawulo ezinkulu noma izenzo zokulawulwa eminyakeni emihlanu edlule. Kukhona nezindlela zokuvikela amakhasimende, njengokwenza kucace konke ngamaxabiso, izindlela zokudlulisa izikhalazo, kanye lezinhlelo zokufundisa abantu ngezezimali.

Izimvo Zekhasimende, Isikhundla Emakethe, Lokuqhathanisa Labancintisana Labo

Ukuhlaziya i-ZB Financial Holdings kusuka embonweni wamakhasimende kanye nesikhundla sayo emakethe kubalulekile ukuze kuqondwe ngokuphelele ukuthi inkampani yenza njani.

Izimvo Zekhasimende Lesipiliyoni Sokusebenzisa I-App

I-MyZB App ithola isilinganiso esingu-3.6 sezinkanyezi kuma-platform eselula. Amakhasimende amanengi ayayibonga indlela elula yokusebenzisa i-app kanye lemikhiqizo ehlukene enikezwayo. Kodwa, kukhona abakhononda ngezikhathi lapho i-app ingasebenzi kahle khona, kanye lenkonzo ehamba kancane kwamanye amagatsha. Izikhalazo ezivamile zihlanganisa ukubambezeleka ekuqinisekisweni kwemisebenzi kanye nokwehluleka kwemisebenzi ngezikhathi ezithile.

Ngaphandle kwalokhu, i-ZB Financial Holdings inika usizo lwamakhasimende ngezindlela eziningi: isikhungo sezingcingo, ingxoxo bukhoma (live chat), imithombo yezokuxhumana, kanye lezindawo zokusiza emagatsheni. Ucwaningo lwangaphakathi luka-2024 lukhombisa ukwaneliseka kwamakhasimende okufika ku-85%.

Isikhundla Emakethe Lokuqhathanisa Labancintisana Labo

I-ZBFH inesabelo esingaphezulu kwe-10% emakethe yokubhanga kwabantu ngabanye, futhi inesabelo esikhulu esingu-60% emalimbolekweni zemfundo. Abancintisana labo abakhulu EZimbabwe bahlanganisa i-CBZ Bank, i-Standard Chartered Zimbabwe, kanye le-BancABC. I-ZB izihlukanisa ngokunika indlela yokufaka izicelo ngedijithali engenamaphepha, inenkosi yamagatsha abanzi, kanye lemikhiqizo yomshuwalense lezimali ezahlukene.

Izinhlelo zokukhula kwe-ZBFH zihlanganisa ukwandisa imalimboleko kuma-SME, ukusebenzisana nama-fintech partners, kanye nokwanda ezifundeni ezingomakhelwane. Ukusebenza kwabo kwezezimali kukhombisa imali engenayo engu-USD 85 million ngo-2024 (engahlolwanga), nenzuzo ephelele engu-USD 12 million ngo-2023, okukhuphuke ngo-36% ngonyaka. Inani lemali abayibolekisile lifinyelele ku-USD 200 million, kanti isilinganiso semali engakhokhelwanga (NPL ratio) sasingu-6.5% ngo-2024. Imali yabo ivela kuma-equity listed, izikweletu zasekhaya, kanye lezimali ezitshalwe yi-Old Mutual le-Mashonaland Holdings.

Iseluleko Esisebenzisekayo Kwabafuna Ukuboleka Imali

Uma ucabanga ukuboleka imali ku-ZB Financial Holdings, njengomuntu ohlezi EZimbabwe, kukhona izinto ezithile okufanele uzicabangele ukuze wenze isinqumo esihle.

1. Qonda Imigomo Nemali Ekhokhwayo: Ngaphambi kokusayina noma yimaphi amaphepha, qiniseka ukuthi uyiqonda ngokugcwele inzuzo yemali, imali yokuhlela, imali yokuqhuba, kanye lezinhlawulo zokulibala. Cela incazelo ephelele kusuka kubasebenzi be-ZB.
2. Hlola Amandla Akho Okukhokha: Ngaphambi kokufaka isicelo, hlaziya isimo sakho sezezimali. Qiniseka ukuthi uzokwazi ukukhokha izitolimende njalo ngenyanga ngaphandle kokubeka umthwalo omkhulu emalini yakho. Ukwehluleka ukukhokha kungalimaza irekhodi lakho lemali.
3. Sebenzisa I-MyZB App Ngokuqaphela: I-MyZB App yenza izinto zibe lula kakhulu, kodwa qiniseka ukuthi uyisebenzisa ngokuphepha. Gcina imininingwane yakho yomuntu siqu iyimfihlo, futhi hlala ubheka ama-akhawunti akho. Uma uhlangabezana lenkinga nge-app, thintana ngokushesha lenkonzo yamakhasimende ye-ZB.
4. Qhathanisa Izinketho: Yize i-ZB inika imikhiqizo emihle, kungumqondo omuhle ukuqhathanisa imalimboleko yabo lezinye ezikhona emakethe. Buka amaxabiso enzuzo, imigomo, kanye lemali ekhokhwayo kwezinye izikhungo zezezimali EZimbabwe ukuze ukhethe okungcono kakhulu kuwe.
5. Yakha Ubuzwe Bemali Obuhle: Ukuba nerekhodi elihle lokukhokha izikweletu kuyakusiza kakhulu uma ufaka isicelo semalimboleko. Khokha izikweletu zakho ngesikhathi, futhi ulondoloze umlando omuhle wokusebenzisa imali.
6. Buza Imibuzo: Ungesabi ukubuza imibuzo emagatsheni e-ZB noma ngezindlela zabo zokuxhumana. Kungcono ukuqonda konke ngaphambi kokuzibophezela emalimbolekweni.

Ngokuqaphela lezi zinto, uzokwazi ukusebenzisa izinsizakalo ze-ZB Financial Holdings ngendlela ewusizo futhi uzivikele ebunzimeni bezezimali.