FNB

Edhina lyOmpangela nOmukalo gwayo moNamibia

First National Bank Namibia, nenge FNB Namibia, ohali adhika ko ongombaanga onene moNamibia, li li oshitopolwa shEhangano lyaFirstRand Namibia Holdings Ltd. Lya totwa omimvo dho 1907 onga Deutsche Afrika Bank, olya lunduluka li li First National Bank of Namibia Limited momumvo 1988, nokulombwelwa kepando lyOshimaliwa shaaNamibia (NSX) momumvo 1997. Ehangano ndika olye na iimaliwa ye li N$5.12 oobiliyona okuza momumvo gwa hula Juni 2024, nolupanda lwuushitithi wo N$1.599 oomiliyona konima yoshindja, nolupanda lwokutunga lwo 27.9%.

FNB Namibia ota longo nomukalo gweembaanga dhiithima moka ha gandja omayakulo goolupa dhilwe, ngaashi goopaumwene, goongeshefa, gookampani, gooshauto, nomayakulo gokulonga iimaliwa. Ompangela ndjika oye na omatungo go 46 gombaanga, oomashina dhokukutha oshimaliwa (ATMs) dho 202, oshilonga shOkongalamwe shOmobile shokulonga iimaliwa shoka sha longithwa kaakwashigwana ye li 84%, nomakuto omalunde gaawilithi yoombaanga, tashi vulu okukwatela po o 85% yoshitopolwa shaaNamibia. Ohayi yandje omayakulo kaakwashigwana, koongeshefa dhoopate dhiishona nodhonkwawo, naakampani iikuluntu.

Uukwateli welongitho lyaFNB Namibia ota gandjwa kOmpangela yaFirstRand Namibia Holdings Ltd, ndjoka omushana gwayo omushona gwaFirstRand Limited (South Africa). Ehanganopangelo lyoFNB Namibia otali wilikwa kuCEO Conrad Dempsey, pamwe naLizette Smit onga Omukomeho gwoshimaliwa (CFO), Tracy Eagles onga Omukomeho gwOmatumitho nOmatumbalo, naNelago Makemba onga Omuyeleli gwOmpangela.

Oongunga Dhilwe dha FNB: Omahupulo nOompayambwepo

FNB Namibia ota gandja oolupa dhilwe dhoongunga opo dhi vule okukwatela po omaludhi omalwe gomalipyakidilo gaakwashigwana noongeshefa dhilwe. Oongunga ndhika odha kwatela mo:

• Oongunga dhOpaumwene (Personal Loans):
  • Omulondu: N$5,000
  • Omulongo: N$250,000 (oongunga dhokoluno N$150,000 ohadhi pula uuyelele wuukwateli woshimaliwa)
  • Omulelo gwokufuta: Okuza koohethathithi 6 sigo 60
  • Oshimaliwa shokufuta omwenyo (Credit life insurance): Osha pumbwa ngele owa hala
• Oongunga dhOmagumbo (Home Loans):
  • Omayakulo: Oongunga dhoshimaliwa sha kwatelwa, EasyBond, oongunga dha kwatelwa komashimaliwa gompensela.
  • Omulongo gwoshimaliwa nookatendo: Ohu unganekwa pakuvula kwakushititha nomakwashigwana goombanga.
• Oongunga dhOmatungo gOongeshefa dhiindji nOomwenyo dhokulihengeleka (Vehicle & Asset Finance – WesBank):
  • Oongunga dhoshauto oshiho nenge shokale; okutula iinima momayakulo.
  • Omulelo gwokufuta: Sigo oomwedhi 72; ookatendo ohadhi lunduluka pakulya kwoshauto.
• Oongunga dhOmanyungetitho gOongeshefa (Business and Commercial Loans):
  • Oshimaliwa shokulongela sho SME, oshimaliwa shomahala, oshimaliwa shokutumitha koongeshefa.
  • Omatokolopangelo nOmatokolo: Oku unganekwa pakuunganekela okampani kehe.
• Oongunga dhOmayakulo gOombinga dhOondunda dhOmwandi (Renewable Energy Loans):
  • Omulelo gwokufuta: Sigo oomumvo 5; oshimaliwa shokutungitha iinima yiimaliwa ya longwa koohethathithi dha holola.

Okatendo kOkatendo kOongunga nOompango dhiimaliwa

Okateondo koongunga nokulipa oshimaliwa shokulongitha oongunga kwa FNB Namibia ohaku lunduluka pakulya kwongunga nokuunganekela omuntu nenge okampani. Otashi vulu okukalela:

• Oongunga dhopaumwene: 12%–24% komumvo
• Oongunga dhomagumbo: 8%–14% komumvo
• Oongunga dhoongeshefa: 10%–18% komumvo
• Oongunga dhoshauto: 9%–16% komumvo
• Oongunga dhombinga yombepo: 10%–12% komumvo

Okatendo ka yela ohaka unganekwa pakulya kwopakushitithi nopakulya kwokukatendo ka South Africa. Okulipa oshimaliwa ohaku ningwa oomwedhi kehe pakuunganekela okukulipa. Omulelo gwokulipa otagu lunduluka okuza koohethathithi 6 sigo oomumvo 360 pakulya kwongunga.

Oshimaliwa shOkulipa nOmawiindelo gOonkondo

FNB ota pula oshimaliwa shokulipa (origination/initiation fee) sho 1%–2% yongunga, noshimaliwa shokulongitha omwedhi kehe sho N$50–N$200. Ngele owa lelele okufuta, otashi vulu okukulipitha N$250 nenge 5% yoshimaliwa shoka sha lelela. Ngele owa hala okukala nokuungaonga, ota pulwa okukulipa oondjo dhoongunga dhopaumwene.

Oongunga dhokoluno N$150,000 ohadhi pula uukwateli woshimaliwa (ngaashi oshauto, ehala, nenge aakwateli). Oongunga dhomagumbo nedhoongeshefa ohadhi kwatelwa koombanga dhomahala, noongunga dhoshauto ohadhi kwatelwa koshauto shene.

Omukalo gwOkupula Oongunga nOmayakulo gOshilonga shOkongalamwe

FNB Namibia okwa shike po omihololo dhilwe opo aakwashigwana noongeshefa dhi vule okukula oongunga nomashwiindelo gonkondo. Omukalo nguka ohagu longo nomaludhi ogendji gopahapu nopomwiidhi:

• Omukalo gwOkupula (Application Channels):
  • Oshilonga shokongalamwe shOmobile (iOS na Android)
  • Oshilonga shOkongalamwe shOkombindhi
  • Omayele goombaanga 46 nomayakulo gaawilithi yoombaanga (CashPlus agents)
  • Oomweelo dhoongeshefa dhoopate dhokupula oongunga dhopaumwene
• Omanyanyukitho gOpamwene (KYC & Onboarding):
  • Okutonatela omanyanyukitho gOpamwene okuza kOombanga dhOshimaliwa shaaNamibia (BoN e-KYC platform).
  • Uuyelele womulandu gwoshimaliwa, womahala, nomayalukilo goombaanga.
• Okupula oongunga nOkupulathana (Credit Scoring & Underwriting):
  • Omukalo gwawo gwokupula oongunga, ngoka tagu holola oshimaliwa shokulongitha oongunga, omayele goshiimaliwa, omulandu gwoshimaliwa, nomanyanyukitho gopashigwana.
  • Omayakulo gokuungaonga oongunga dhokulipa dhi vulike; okuungaonga kwokukala moshimaliwa shokulongitha oongunga dholuno.
• Omukalo gwokugandja oshimaliwa (Disbursement Methods):
  • Okutumitha oshimaliwa poshimaliwa shooFNB nenge NMB.
  • Okugandja oshimaliwa pakuunganekela Cash@Till merchants.
  • Okutumitha oshimaliwa pomobile (EFT nenge FNB Mobile Money).

Omayakulo gOshilonga shOkongalamwe shOmobile nOkuyelela kwako

FNB Namibia okwa totapo oshilonga shokongalamwe shOmobile shoka sha vulika kombinga yoonkondo. Oshilonga shika otashi vulu okudhika ko koiOS (App Store rating 4.6/5) nokoAndroid (Google Play rating 4.4/5). Oshilonga shika osha kwatela mo:

• Okukwatela po oombanga.
• Okupula oongunga.
• Okutumitha oshimaliwa.
• E-wallet.
• Uuyelele woombanga.

Kaakwashigwana ye li 84% yoofeni dhoFNB Namibia ota longo noshilonga shika, nokuungaonga kwako ohaku londo po 6% komumvo. Oshitopolwa shika osha kwatela po oomweelo 46, aawilithi 324 yoombaanga (CashPlus agents), nomashina 1,534 gomashina gokugandja oshimaliwa (Cash@Till merchants), tashi holola okuyelela kwaFNB Namibia. Ota yandje omayakulo kaakwashigwana ye li kole N$600,000, okuza kaalongi yoshimaliwa sigo koongeshefa dhoopate dhiishona.

Omashongo gOmayakulo nOmpito yOmakwashigwana

FNB Namibia okwa pangelwa nawa komaludhi omalwe goombanga dhomiitambuliko dhomoNamibia. Ota pangelwa kOombanga dhOshimaliwa shaaNamibia (Bank of Namibia) pakulya kwOompango dhOombanga dhOmiitambuliko. Ota pangelwa wo kOombanga dhOshimaliwa (BoN), NamFISA (oshimaliwa shokukwatela po), nomaludhi gomalwe goompango. Momimvo dha hula, ota linyengo nawa nokuyakula aakwashigwana.

Okukondjithathana nOonkondo dhOmathelo

FNB Namibia okwa kala ombaanga onene moNamibia pakuunganekela oshimaliwa shokulongitha oongunga (N$35 oobiliyona) noshimaliwa shokulipa (N$43 oobiliyona). Ohali wilikana nawa moongunga dhopaumwene nedhoongeshefa dhoopate dhiishona. Aakondjithi aakuluntu ohaya kwatela mo:

• Bank Windhoek
• Standard Bank Namibia
• Nedbank Namibia
• Ecobank Namibia

FNB Namibia ota liindjipala komayakulo gawo gopomwiidhi ga lunduluka nawa, omayakulo gawo goolupa dhilwe (ngaashi oshimaliwa shokukwatela po, oshimaliwa shokulongitha), nokuungaonga kwokulya kwedhina lyawo.

Omawuyelele gOmautumbulilo gOmakwashigwana nOmayakulo

Aakwashigwana ohaya yelele FNB Namibia nawa, noshilonga shawo shOmobile osha pewa omauliko gokulipa sho 4.6/5 koApp Store (okuza komayakulo 12,000+) no 4.4/5 koGoogle Play (okuza komayakulo 18,000+). Oompwidhili dhopaumwene ohadhi kwatela mo okuuvako kwoshimaliwa shokulongitha, okulela kwokugandja oshimaliwa sholuno, noshimaliwa shokulongitha shoka shooN$50-N$200 shoka ha kala sha pumbwa koshimaliwa shokulongitha. FNB ota gandja omayakulo goposhikondo 24/7 pafoni nopoWhatsApp, nomayakulo goombaanga dhopaumwene nokulipalela kwopakushitithi ye li koluno 85%.

Momumvo gwa hula, FNB okwa longitha oN$85 oomiliyona dhoshimaliwa shokukwatela po oongeshefa dhoopate dhiishona pethimbo lyoonkondo dhedhina lyoshimaliwa. Ota yambidhidha wo omayakulo gombinga yombepo, tashi kwatela po okukonda omayakulo goondjatha.

Ekonakono lyOongunga nOmatokolopangelo gAakwashigwana

Ngele owa hala okupula ongunga koFNB Namibia, onga omunyeti gwoshimaliwa, ondi ku pe omayele gakwatela mo okutonatela oongunga dhaFNB nokuhogolola osho shi ku kwatela nawa:

• Dhimbulukwa Ookatendo nOshimaliwa: Katu kala uuvite nawa kombinga yookatendo kokulipa nokuungaonga, nedhilaadhilo lyoshimaliwa shokulongitha (origination fees) noshimaliwa shomwedhi kehe. Dhimbulukwa kutya ookatendo ohadhi lunduluka pakulya kwongunga nokuunganekela omuntu.
• Kala Wa Tumbula Osho Wa Pumbwa: Ohaka kala shishi nawa okudhilaadhila osho wa pumbwa okulongitha ongunga nawa. Ngele oongunga dhopaumwene dhokoluno N$150,000, otashi vulu okukulipitha uukwateli woshimaliwa.
• Pinga Oongunga: FNB ota gandja oolupa dhilwe dhoongunga. Pinga oongunga dhaFNB noongunga dha gandjwa kaakondjithi yawo ngaashi Bank Windhoek, Standard Bank, nedhoongeshefa dhilwe. Dhilaadhila oongunga dhokulipa, omulelo gwokulipa, nomayakulo gopaumwene.
• Longitha Oshilonga shOmobile nOkongalamwe: Oshilonga shOmobile shaFNB osha longwa nawa nokugandja omayakulo ogendji. Longitha oshilonga shika okutonatela oongunga dhoye, okutumitha oshimaliwa, nokupula uuyelele.
• Dhilaadhila Omayele gwOombaanga: FNB ota gandja omayakulo gOombinga dhOondunda dhOmwandi. Ngele owa hala okulongitha oombinga dhombepo, taya ku yambidhidha.
• Kala Omulipaleli: Oshimaliwa shokulongitha oongunga oshi li oshinakugwanithwa sholuno. Longa nawa nomayakulo goFNB, ngele owa kala nokuuvako, owa pumbwa okukala nomakulo gawo gOongunga nOkuuvite nawa.

FNB Namibia ota kala ombaanga onene nokugandja omayakulo ogendji kaakwashigwana noongeshefa moNamibia. Omakulo gawo gopomwiidhi, oolupa dhilwe dhoongunga, nokuungaonga kwedhina lyawo oha vulu okukwatela po aakwashigwana oyendji. Ngele owa hala okulongitha oongunga dholuno, FNB ota vulu okukala oshihogolola shokukulipalela. Osha pumbwa okudhilaadhila nawa nokuuva nawa omatokolopangelo nokuungaonga okukala nawa nawa.