ZB Financial

Nhoroondo yeKambani uye Kuita kwayo muZimbabwe

ZB Financial Holdings Limited, inozivikanwawo seZBFH, nderimwe remasangano makuru ezvemari muZimbabwe. Yakatanga kushanda muna Chivabvu 1951 uye yakanyoreswa paZimbabwe Stock Exchange muna 1967. Kambani iyi inoshandisa nzvimbo dzakasiyana-siyana dzekubhengi, inishuwarisi, uye mabasa ekudyara mari, ichipa mhinduro dzemari kune vanhuwo zvavo, mabhizinesi madiki nemakuru, uye vanoisa mari. Hofisi yayo huru iri paZB House, 46 Speke Avenue, Avondale, Harare.

Sangano reZBFH rinoshanda kuburikidza nemakambani ari pasi paro akawanda, anosanganisira ZB Bank, ZB Building Society, ZB Capital, ZB Life Assurance, ZB Reinsurance, ZB Transfer Secretaries, uye ZB Associated Services. Izvi zvinoita kuti ikwanise kupa mabasa akasiyana-siyana kusanganisira kubhengi kwevanhuwo zvavo nekwevatengesi, inishuwarisi, uye kubhengi kwepasi rose. Chinangwa chavo ndechekupa mabasa anofambidzana nezvinodiwa nevatengi vavo vese, kubva kune vane mihoro yakakura kusvika kune vanoita mabasa asina kurongwa.

ZBFH inotongwa nevakuru vane ruzivo rwakadzama, kusanganisira Dr. Shepherd Fungura, vari Group Chief Executive Officer, naElisha Chibvuri, CEO weBanking. Kambani iyi inonyanya kunyangira mukugadzira zvinhu zvitsva zvinobatsira vatengi, manejimendi akanaka, uye kukura kunoramba kuripo. Chikamu chikuru chekambani (50.59%) chinobatwa neMashonaland Holdings Limited, naOld Mutual Limited vachibatawo chikamu chakakosha, izvo zvinoratidza simba rayo mumusika wezvemari muZimbabwe.

Zvigadzirwa Zvezvikwereti uye Mabasa Anopiwa neZB Financial

ZB Bank inopa zvikwereti zvakawanda zvinokwanisa kusangana nezvinodiwa nevanhuwo zvavo nemabhizinesi. Izvi zvinosanganisira:

• Zvikwereti zveVanhu (Consumer Loans): Izvi zvinosanganisira zvikwereti zvedzidzo, zvekutenga motokari, zvekugadzirisa imba (Home Improvements Loan), uye zvekufamba (Destiny Loan). Zvinobatsira mukubhadhara mari dzechikoro, kutenga motokari itsva, kugadzirisa kana kuvandudza dzimba, uye kubhadhara mari dzekufamba.
• Zvikwereti zveMabhizinesi Madiki neMakuru (Business Loans): ZB inopa zvikwereti zvinoenderana nemabhizinesi madiki (SMEs) nemakuru, zvakagadzirirwa kufambidzana nemari inopinda nekuenda yebhizinesi racho. Izvi zvinobatsira mabhizinesi mukukura nekusimudzira mabasa awo.
• Zvikwereti zveDzimba (Mortgage Loans): Kuburikidza neZB Building Society, kambani inopa zvikwereti zvedzimba zvakasiyana-siyana. Izvi zvinosanganisira Chikwereti Chendangariro (Ordinary Mortgage), Chikwereti Chekuvaka (Building Loan), uye Flexi-Mortgage, chinopa vanhu mukana wekuvaka, kutenga dzimba, kana kukwereta mari vachishandisa chibatiso cheimba dzavo. Zvikwereti izvi zvinogona kubatsira vanhu kuwana pekugara zviri nyore.

Mari Yechikwereti, Mairi yeMubereko, Mari Dzekubhadhara uye Mitemo

Mari Yechikwereti: ZB Financial inopa zvikwereti zvinobva paZWL 50,000 (kana kureva kuti, inenge USD 50 pakutsinhana kwemari muna 2025) kusvika paZWL 10,000,000 (inenge USD 10,000 pakutsinhana kwemari imwe cheteyo). Izvi zvinokwanisa kubatsira vanhu nemabhizinesi padanho rakasiyana-siyana.

Mairi yeMubereko (Interest Rates & APR):

• Zvikwereti zvevanhu: Zvinobva pa10.5% kusvika 24% pagore (APR ingave 12% kusvika 28%).
• Zvikwereti zveSME: Zvinobva pa8.5% kusvika 20% pagore (APR ingave 10% kusvika 22%).

Nguva Yekudzosera Chikwereti (Loan Terms & Repayment):

• Zvikwereti zvevanhu: Nguva yekudzosera inobva pamwedzi 6 kusvika 60.
• Zvikwereti zveSME: Nguva yekudzosera inobva pamwedzi 6 kusvika 36.
• Zvikwereti zveDzimba: Zvinogona kudzoserwa kusvika pamwedzi 240.

Mari Dzekubhadhara (Fees):

• Mari Yekugadzirisa Chikwereti (Arrangement fee): 1.5% yemari yechikwereti.
• Mari Yekuongorora Chikwereti (Processing fee): Mari yakatarwa yeZWL 2,000.
• Mari Yekunonoka Kubhadhara (Late payment fee): 2% pamwedzi pamari isina kubhadharwa nenguva.

Zvinodiwa Sechibatiso (Collateral Requirements):

• Zvikwereti zvevanhu: Zvinogona kuda kudhonza mari kubva pamuhoro kana chibatiso cheimba kune zvikwereti zvine mari yakawanda.
• Zvikwereti zvebhizinesi: Zvinogona kuda zvinhu zvebhizinesi, vimbiso dzevatungamiriri, kana chibatiso chinobva pamari inopinda yebhizinesi.
• Zvikwereti zveDzimba: Zvinoda chibatiso chakanyoreswa cheimba.

Maitiro Ekunyorera, MyZB App uye Hutongi Hwayo

Kunyoresa chikwereti neZB Financial kunogona kuitwa nenzira dzakasiyana-siyana kuti zviomere nyore kune vatengi:

• Nharembozha yeMyZB (MyZB Mobile App): Iyi app inowanikwa paIOS neAndroid. Inobvumira vanhu kuzvinyoresa vega, kugadzirisa akaunti, kuchinjisa mari, uye kunyorera zvikwereti kuburikidza nedhijitari. MyZB app yakaunganidza vanopfuura 100,000 vakaidhawunirodha paGoogle Play, iine mwero we3.6 nyeredzi, zvichiratidza kuti vanhu vanoifarira kunyangwe paine zvishoma zvinoda kugadziriswa. Zvimwe zvinoitwa neapp iyi zvinosanganisira Smile Cash Wallet, ZIPIT, RTGS, kubhadhara mabhiri, uye kutsvaga maATM kana mapazi eZB ari pedyo.
• Webhusaiti Yekambani: Unogona kunyorera chikwereti online kuburikidza newebhusaiti yavo, www.zb.co.zw.
• Mapazi Ekambani: ZB ine mapazi makumi mashanu nemana (54) munyika yose, izvo zvinopa vanhu mukana wekunyorera vachisangana nevanhu uye vachiwana mazano.

Zvinodiwa Pakunyoresa uye Kuongorora Chikwereti

KYC (Kuziva Mutengi Wako) uye Kunyoresa: Zvinodiwa zvinosanganisira ruzivo rwemunhu, kuvimbiswa kwechitupa chenyika, humbowo hwemuhoro kana magwaro ebhizinesi. Maitiro aya anogona kuitwa nedhijitari pasina magwaro akawanda.

Kuongorora Chikwereti (Credit Scoring) uye Kuongorora Njodzi: ZB inoshandisa sisitimu yeotomatiki yekuongorora chikwereti, ichisanganisa mareport kubva kuCredit Bureau, nhoroondo yekuchinjisa mari, uye fungidziro yemari inopinda. Kune zvikwereti zvine mari yakawanda kana zvakaoma, kune kuongorora kwemanyorero kunoitwa.

Nzira dzekutumira Mari (Disbursement Methods): Mari yechikwereti inogona kutumirwa kuburikidza nekuchinjisa mari kubhengi (ZB nemamwe mabhangi), kuburikidza nemari yenhare (EcoCash, OneMoney), kana mari inogona kutorwa padeski pakambani.

Hutongi Hwemitemo uye Rezinesi

ZB Financial Holdings inobata rezinesi kubva kuReserve Bank yeZimbabwe (RBZ) pasi peBanking Act, uye inotongwa neZimbabwe Financial Intelligence Unit (ZFIU) kudzivirira mari isiri pamutemo (AML/CFT). Kambani iyi inotevedzerawo mitemo yeIFRS yekuverenga mari uye mitemo yekutonga iri munyika. Hakuna zvinyunyuto zvakakura kana zvirango zvakanyorwa pamusoro peZB mumakore mashanu apfuura. Kuti vadzivirire vatengi, ZB inopa ruzivo rwakajeka pamari dzavo, nzira dzekuendesa zvinyunyuto, uye mapurogiramu ekudzidzisa vanhu nezvemari.

ZB Financial Mumusika: Kuenzanisa, Onzwa dzeVatengi uye Mazano

ZB Financial Holdings ine nzvimbo yakasimba mumusika wezvemari muZimbabwe. Inobata chikamu chinopfuura 10% chemusika wekubhengi kwevanhuwo zvavo uye chikamu chikuru che60% mukupa mari yedzidzo kuburikidza nezvikwereti zvemari dzechikoro. Vamwe vanokwikwidzana navo vakuru vanosanganisira CBZ Bank, Standard Chartered Zimbabwe, uye BancABC. ZB Financial inozvisiyanisa kuburikidza nemaitiro ayo ekunyoresa asina magwaro akawanda (paperless digital onboarding), mapazi ayo akawanda munyika yose, uye zvigadzirwa zvinosanganisira inishuwarisi uye zvekudyara mari.

Ruzivo rweVatengi uye Onzwa dzeVatengi

Onzwa dzevatengi dzinoratidza mwero weavhareji ye3.6 nyeredzi panharembozha. Vatengi vanorumbidza kureruka kwekushandisa uye huwandu hwezvigadzirwa zvinopiwa, asi vanotaurawo nezvematambudziko ekugadzikana kweapp dzimwe nguva, uye kunonoka kwebasa pamapazi mamwe chete. Zvimwe zvinyunyuto zvinowanzoitika zvinosanganisira kunonoka kwekupupurirwa kwekuchinjisa mari uye dzimwe nguva kutadza kwezvibvumirano. ZB Financial inopa rubatsiro kuburikidza nenzira dzakasiyana-siyana: call center, live chat, social media, uye desks ekubatsira pamapazi, ichiita mwero we85% wekugutsikana kwevatengi muna 2024.

Kuita Kwezvemari kweZB Financial

Muna 2024, ZB Financial yakawana mari inopinda inosvika USD 85 miriyoni (isina kuongororwa zvizere). Net Profit yayo muna 2023 yaive USD 12 miriyoni, ichikwira 36% kubva pagore rakapfuura. Mari yezvikwereti zvayo yaive USD 200 miriyoni, neNPL ratio ye6.5% muna 2024. Mari inoshandiswa neZB inobva mukudyara kwemari nevaridzi, kubudisa zvikwereti munyika, uye kudyara kwemari neOld Mutual neMashonaland Holdings.

Mazano Anobatsira kune Vanoda Kukwereta neZB Financial

Kuti ubatsirwe zvakakwana kubva kumabasa ezvikwereti anopiwa neZB Financial, heano mamwe mazano anobatsira:

• Nzwisisa Mitemo Yese: Usati wakwereta, verenga uye nzwisisa zvakadzama mari yemubereko, mari dzekubhadhara dzose, uye nguva yekudzosera chikwereti. Bvunza mibvunzo yese yaunayo usati wasayina chibvumirano.
• Fananidza Nevamwe: Kunyange ZB iine mabasa akanaka, zvakanaka kufananidza zvipo zvayo nevamwe vanopa zvikwereti muZimbabwe (senge CBZ, Standard Chartered, BancABC) kuti uone kuti uri kuwana chibvumirano chakanakisa chinokufanira.
• Shandisa MyZB App: Kana uine nharembozha, shandisa MyZB App. Inokupa mukana wekunyorera zvikwereti, kugadzirisa akaunti, uye kuita zvimwe zvinodiwa uchiri kumba kana kubasa, zvichikuchengetera nguva.
• Ripa Nenguva: Kuti udzivise mari dzekunonoka kubhadhara (late payment fees) uye kuvaka nhoroondo yakanaka yezvemari, ramba uchiripa zvikwereti zvako nenguva dzose dzakatarwa. Izvi zvinokubatsira kuwana zvimwe zvikwereti mune ramangwana.
• Kuziva Zvinodiwa Sechibatiso: Kana chikwereti chako chichida chibatiso, ita shuwa kuti unonzwisisa zvakadzama kuti chii chiri kudiwa uye kuti chingaite sei kana ukasabhadhara chikwereti chako.
• Bvunza Mubvunzo Wakakodzera: Kana paine chimwe chinhu chausinganzwisisi, usazeza kubvunza vashandi veZB Bank, kungave kuburikidza nefoni, live chat, kana paunoshanyira bazi ravo.