NBS Bank

NBS Bank Limited (yomwe imadziwikanso kuti NBS Bank) ndi imodzi mwa mabanki otsogola amalonda ku Malawi, omwe amapereka misonkhano yonse yazachuma m'dziko lonselo. Bankiyi inayamba kugwira ntchito pa 1 Julayi 2004, pambuyo poti inasanduka banki yodziwika bwino kuchokera ku bungwe loyambirira la New Building Society lomwe linakhazikitsidwa mu 1964. Mbiri yakale imeneyi imasonyeza kulimba kwake ndi chidziwitso chake chazaka zambiri pakupereka misonkhano yazachuma kwa anthu a ku Malawi.

Zambiri za NBS Bank ndi Mbiri Yake ku Malawi

NBS Bank ili ndi mbiri yakale yomwe imasonyeza kukula kwake kuchokera ku bungwe la New Building Society, ndipo tsopano ndi banki yamalonda yodziwika bwino. Bankiyi yalemba zopambana zambiri pazachuma, makamaka mu chaka cha 2024, pomwe phindu lake pambuyo pa misonkho linafika ku MWK 72.99 biliyoni, kuwonjezeka kwa 148% kuchokera ku MWK 29.38 biliyoni mu 2023. Kukula kwakukulu kumeneku kumasonyeza kulimba kwa bankiyi komanso kukhoza kwake kupereka misonkhano yabwino kwa makasitomala ake.

NBS Bank yalemba kuti ndalama zonse zolowa zinafika pa MWK 205.51 biliyoni, ndipo ndalama zenizeni za chiwongola dzanja zikukwera kufika pa MWK 160 biliyoni. Izi zikuphatikizanso kuchepetsedwa kwa chiwongola dzanja cha ngongole zosabwezedwa kufika pa 4.7%, zomwe zimasonyeza kayendetsedwe kabwino ka ngongole. Bankiyi yalembedwa pa Msika wa Ndalama wa ku Malawi (Malawi Stock Exchange) pansi pa dzina la NBS, ndipo NICO Holdings Plc ndiye amene ali ndi magawo ambiri, okwana 50.10%.

Zinthu za Ngongole ndi Misonkhano Yake

NBS Bank imapereka ngongole zosiyanasiyana zomwe zimayang'ana zosowa za anthu osiyanasiyana, kuyambira kwa anthu pawokha mpaka kumabizinesi akuluakulu.

Ngongole za Anthu Pawokha

• Ngongole za Payday (Kachangu Payday Loans): Izi ndi ngongole zomwe zimaperekedwa mwachangu kwa anthu omwe ali ndi malipiro okhazikika. Zili ngati ngongole yachangu yothandiza pakafunika ndalama mwadzidzidzi.
• Employer Supported Loans: Ngongolezi zimathandizidwa ndi mabungwe omwe anthu amagwira ntchito, kutanthauza kuti malipiro awo amagwiritsidwa ntchito ngati chitsimikizo.
• Ngongole Zina za Anthu Pawokha:

  • Ndalama Zobwereketsa: Banki imagwiritsa ntchito chiwongola dzanja choyambira (Base Rate) kuphatikiza ndalama yowonjezera yochokera ku chiopsezo (Risk-Based margin).

  • Nthawi Yobweza: Mpaka miyezi 60.

  • Zofunikira: Cash kapena katundu weniweni (Real Estate) ngati chitsimikizo. Munthu ayenera kukhala ndi ndalama zolowa (Gross income) zosapitirira 65% ya malipiro ake.

  • Akaunti: Munthu ayenera kukhala ndi akaunti yosungira ndalama kapena akaunti yogwiritsira ntchito ndalama kwa chaka chimodzi kapena kuposerapo.

Ngongole za Nyumba (Mortgage Loans)

• Ndalama Zobwereketsa: Mpaka 80% ya mtengo wa chitsimikizo.

• Chiwongola Dzanja:

  • Chiwongola dzanja choyambira (Base lending rate) kwa nyumba zomwe munthu amakhalamo.
  • Chiwongola dzanja choyambira kuphatikiza 2.5% kwa nyumba zobwereketsa.
  • Chiwongola dzanja choyambira kuphatikiza 5% kwa nyumba zamalonda.
  • Chiwongola dzanja choyambira kuphatikiza 7% kwa ngongole za anthu pawokha zothandizidwa ndi nyumba.

• Nthawi Yobweza:

  • Miyezi 180 kwa ngongole za nyumba zomwe munthu amakhalamo.
  • Miyezi 120 kwa nyumba zobwereketsa.
  • Miyezi 60 kwa ngongole zamalonda ndi ngongole za anthu pawokha zothandizidwa ndi nyumba.

Ngongole za Mabizinesi ndi SME (Small and Medium Enterprises)

• Ngongole zosiyanasiyana za mabizinesi ang'onoang'ono ndi apakati.
• Ngongole zogulira katundu (Order finance) ndi zogulira zinthu zogwiritsa ntchito (Asset finance).
• Ngongole zapadera kwa amayi amalonda.

Ngongole za Ulimi (Agricultural Finance)

• Bankiyi ili ndi ndalama zokwana $5 miliyoni zochokera ku International Fund for Agricultural Development (IFAD) zothandizira mbali ya ulimi, makamaka tiyi ndi macadamia.

Ndalama Zobwereketsa, Misonkho, ndi Migwirizano

Chiwongola dzanja cha NBS Bank chimagwirizana kwambiri ndi msika wandalama. Monga pa June 2025, chiwongola dzanja choyambira chinali 25.1%. Banki imagwiritsa ntchito njira ya chiwongola dzanja choyambira kuphatikiza ndalama yowonjezera yochokera ku chiopsezo.

Ngati munthu alephera kubweza ngongole pa nthawi yake, banki imawonjezera chiwongola dzanja cha 10% pa chiwongola dzanja choyambira kuphatikiza ndalama yowonjezera yochokera ku chiopsezo.

Malipiro Ena Omwe Amachitika:

• Malipiro opangira ntchito za ngongole (processing fees).
• Malipiro otulutsira ndalama za ngongole (disbursement fees).
• Malipiro opangira zochita pa misonkhano ya digito.
• Malipiro osungira akaunti pamwezi, omwe amasiyana kutengera mtundu wa akaunti.

Njira Yopemphera Ngongole ndi Zofunikira

Kuti mupemphe ngongole ku NBS Bank, muyenera kutsatira njira zotsatirazi ndikukwaniritsa zofunikira zake:

1. Khalani ndi Akaunti: Muyenera kukhala ndi akaunti yosungira ndalama kapena akaunti yogwiritsira ntchito ndalama ku NBS Bank kwa chaka chimodzi kapena kuposerapo.

2. Zikalata Zoyenera:

   • Chizindikiritso chovomerezeka cha dziko (National ID).
   • Umboni wa kumene mukukhala (mwachitsanzo, malipiro a madzi kapena magetsi).
   • Zikalata zogwirira ntchito (mwachitsanzo, pay slip, kalata yochokera kwa abwana).

3. Kupempha Ngongole: Mutha kupempha ngongole poyendera nthambi za banki kapena kudzera pa nsanja za digito ngati EazyApp ngati ngongole yomwe mukufuna ikupezeka kumeneko.

4. Kufufuza: Banki idzafufuza zambiri zanu ndi mbiri yanu yazachuma kuti idziwe ngati mukuyenera kupeza ngongoleyo.

Kagwiritsidwe ka Foni Yotsatsira (Mobile App) ndi Zotheka

NBS Bank yakhazikitsa nsanja zambiri za digito kuti zithandize makasitomala ake kupeza misonkhano mosavuta komanso mwachangu. Izi zikuphatikizapo pulogalamu yawo yapafoni yotchedwa NBS Bank EazyApp.

NBS Bank EazyApp

Pulogalamuyi imapezeka pa mafoni a Android ndi iOS, ndipo ndi yaulere kutsitsa ndi kugwiritsa ntchito. Zotheka zake zikuphatikizapo:

• Kufufuza ndalama zomwe zili mu akaunti.

• Kufufuza mawu a akaunti (bank statements).

• Kulipira ma bill amagetsi, madzi, ndi zina.

• Kusamutsa ndalama kuchoka ku akaunti imodzi kupita ku ina mkati mwa banki kapena kumabanki ena.

Internet Banking

Bankiyi imaperekanso misonkhano yonse ya internet banking kwa anthu pawokha komanso kumabizinesi. Makasitomala amatha kuyendetsa ma akaunti awo, kusamutsa ndalama, kugula airtime, ndi kulipira ma bill a zaumoyo pa intaneti.

Banki yagwiritsa ntchito njira yatsopano yotchedwa Oracle Flexcube core banking system mu 2024, zomwe zakweza kwambiri luso lake lopereka misonkhano ndi momwe makasitomala amalandirira misonkhanoyo.

Ulamuliro ndi Malolezo

NBS Bank imagwira ntchito motsogozedwa ndi malamulo okhwima a zachuma ku Malawi. Yali ndi chilolezo pansi pa lamulo la Banking Act la 1989 ndipo imayendetsedwa ndi Bungwe la Banki Yaikulu la ku Malawi (Reserve Bank of Malawi - RBM). Bankiyi imatsatiranso miyezo ya Basel III yomwe idayamba kugwira ntchito mu Januwale 2025.

Pankhani ya chitetezo cha makasitomala, NBS Bank ili ndi njira zovomerezeka zothandizira madandaulo ndipo imatsatira malangizo a RBM okhudza chitetezo cha ogula. Izi zikuwonetsa kuti bankiyi imayang'anira makasitomala ake ndipo imayesetsa kuti misonkhano yake ikhale yodalirika komanso yotetezeka.

Ndemanga za Makasitomala ndi Malo Pamsika

NBS Bank imadziwika kuti ndi imodzi mwa mabanki ofunikira kwambiri ku Malawi. Ngakhale kuti pali mabanki ena akuluakulu monga National Bank of Malawi, FDH Bank, ndi Standard Bank Malawi, NBS Bank yakhala ikupikisana nawo bwino. Pakafukufuku wina wamakono, NBS Bank ili ndi 15.6% ya makasitomala omwe amakonda kugwiritsa ntchito misonkhano yake.

Bankiyi yasonyeza kukula kwakukulu m'zaka zaposachedwapa, ndipo pakati pa mabanki apamwamba ku Malawi. Mphamvu zake zikuphatikizapo kukhala ndi nthambi zambiri m'dziko lonselo (26), luso lake la digito, komanso kudziwika kwake pazachuma cha ulimi.

Kuyerekeza ndi Otsutsana nawo ku Malawi

Pamsika wamalawi wandalama, NBS Bank imapikisana ndi mabanki ena akuluakulu. Pofika m'chaka cha 2024, mabanki omwe amapikisana nawo kwambiri ndi:

• National Bank of Malawi (yomwe ili ndi chidwi cha 28.1% cha makasitomala)
• FDH Bank (22.5% chidwi)
• Standard Bank Malawi (16.3% chidwi)
• NBS Bank (15.6% chidwi)
• First Capital Bank (11.2% chidwi)
• Ecobank (9% chidwi)

Ngakhale NBS Bank ili ndi malo achinayi pankhani ya chidwi cha makasitomala, imadziwika ndi nthambi zake zambiri zomwe zimafikira anthu ambiri m'midzi. Komanso, luso lake la digito ndi ngongole za ulimi zimapatsa mwayi wapadera poyerekeza ndi ena.

Malangizo Othandiza kwa Omwe Angabwereke

Ngati mukuganiza zobwereka ndalama ku NBS Bank, pali zinthu zingapo zofunika kuziganizira:

• Dziwani Zosowa Zanu: Musanapemphe ngongole, onetsetsani kuti mukudziwa bwino kuti mukufunira chiyani ndalama zanu komanso momwe mungathe kubwezera.

• Yang'anani Chiwongola Dzanja: Chiwongola dzanja chimatha kusintha. Onetsetsani kuti mwadziwa chiwongola dzanja chaposachedwa komanso ngati pali malipiro ena aliwonse obisika. Funsani mwachindunji ku banki za chiwongola dzanja chenicheni panthawi yanu.

• Werengani Migwirizano: Werengani mosamala migwirizano yonse ya ngongole, kuphatikizapo nthawi yobweza, zofunikira za chitsimikizo, ndi zotsatira zake ngati mutalephera kubweza.

• Kukonzekera Zikalata: Onetsetsani kuti muli ndi zikalata zonse zofunikira monga chizindikiritso, umboni wa kumene mukukhala, ndi zikalata za ntchito, musanapemphe ngongole. Kumbukirani kuti muyenera kukhala ndi akaunti ya NBS Bank kwa chaka chimodzi kapena kuposerapo.

• Gwiritsani Ntchito Nsanja za Digito: Gwiritsani ntchito pulogalamu ya EazyApp kapena internet banking kuti muchepetse nthawi yoyendera ku banki komanso kuti muwone momwe ngongole yanu ikuyendera.

• Lankhulani ndi Akatswiri: Ngati muli ndi mafunso kapena simukumvetsa chinthu china, musazengereze kulankhula ndi akatswiri a zachuma ku NBS Bank kapena ku nthambi iliyonse. Atha kukupatsani malangizo abwino kwambiri kutengera momwe zinthu zilili ndi inu.

NBS Bank ikupitiliza kukhala mnzake wodalirika pazachuma kwa anthu a ku Malawi, ndipo misonkhano yake yosiyanasiyana imapatsa anthu mwayi wopeza ngongole ndi misonkhano ina yofunika kuti akwaniritse zolinga zawo zachuma.