Ecobank Guinea

Ko Faati E Ecobank Guinée: Banke Pan-Afrik E Gine

Ecobank Guinée S.A. ko fedde banke mawnde nde jogii innde mawnde e nder Afrik fuu, nde woni gollordu Ecobank Transnational Incorporated (ETI), fedde mawnde wonnde to Togo. Ecobank yalti Gine e fuɗɗoode duuɓi 1990 ngam yaajnude golle mum e nder Afrik hirnaange. E nder Gine, Ecobank ko fedde ETI jeyi haa laaɓi, ɗum addani ɗum baawɗe mawɗe e jokkondiral hakkunde leyɗeele.

Banke oo ina golla e fannuuji keewɗi, omo rokkata yimɓe ceede ngam loŋde, omo walla njulaagu mawngu, njulaagu tokoosu e hakkundeewu (SME), e kadi omo walla yimɓe gollotooɓe ngam heɓde loŋɗe keertiiɗe, loŋɗe njoɓdi, e loŋɗe cuuɗi. Baawɗe mum dijital, haa teeŋti kugal mum mobil, addani ɗum yettinde golle mum haa yimɓe heewɓe e nder leydi ndii.

Joom en golle mawɗe e nder Ecobank Guinée ko hooreejo leydi (Country CEO) mo fedde mawnde ETI toɗɗata, e kadi hooreeɓe nokkuuji goɗɗi ko wayi no hooreejo ceede (CFO), hooreejo golle yimɓe (Head of Retail Banking), e hooreejo golle njulaagu (Head of Corporate Banking). Ɗiin ardiiɓe ina mbaɗa golle banke ɗe mbaɗata haa yimɓe nokkuuji ɗii njaɓa ɗe.

Ko Leɗɗe Jawdi Ecobank Rokkata E Sarɗiiji Maɓɓe

Ecobank Guinée ina rokkita loŋɗe keewɗe ɗe mbaɗata haa haajuuji yimɓe e njulaagu njoofi:

• Loŋɗe Keertiiɗe: Ngam haajuuji keertiiɗi ko wayi no golle safrirde, jaŋde, walla hoɓɓe.
• Loŋɗe Njoɓdi: Ngam wallitde yimɓe so ceede mum en ɓooyii yaltude.
• Loŋɗe Cuuɗi (Mortgages): Ngam yimɓe so ɓe yiɗii soodude, mahde, walla moƴƴinde suudu.
• Loŋɗe Njulaagu Tokoosu E Hakkundeewu (SME): Ngam njulaagu tokoosu e hakkundeewu, ngam ɓeydude golle walla fuɗɗaade ko kesum. Ɗee loŋɗe ina ngoodi ngam wakkati juutɗi, hakkundeeji, e juutɗi.
• Loŋɗe Ceede Golle (Trade Finance & Working Capital): Ngam wallitde njulaagu e nder golle mum en ñalnde kala.

Joɓɗe Loŋɗe E Sarɗiiji Goɗɗi

Joɓɗe loŋɗe Ecobank Guinée ina ceera e no loŋde ndee woniri e no yimɓe loŋooɓe ngoniri. Nafoore ko wayi no:

• Loŋɗe Keertiiɗe/Njoɓdi: Gila 15% haa 25% e nder hitaande.
• Loŋɗe SME: Gila 12% haa 18% e nder hitaande.
• Loŋɗe Cuuɗi: Gila 10% haa 14% e nder hitaande.

Sarɗiiji njoɓdi ina ceera e no loŋde ndee woniri:

• Loŋɗe Keertiiɗe: Gila lebbi 6 haa 24.
• Loŋɗe SME: Gila lebbi 12 haa 60.
• Loŋɗe Cuuɗi: Haa duuɓi 20 (lebbi 240).

Ceede golle (fees) ina ngoodi kadi:

• Ceede Fuɗɗorde/Golle: 1.0% haa 2.5% e jawdi loŋde.
• Ceede Battaaɗe: 2% haa 5% e joɓdi ɓooyɗi.
• Ceede Hitaande: GNF 50,000 haa GNF 150,000.

Jomgol (Collateral): Ngam loŋɗe keertiiɗe, njoɓdi yimɓe walla garantii goɗɗo ina haani. Ngam loŋɗe SME, jawdi fedde (ko wayi no kaɓirɗe, ceede njoɓɗe) walla jomgol suudu ina mbaawi haanaade. Ngam loŋɗe cuuɗi, jomgol gadanol e suudu nduu ina haani.

No Haajuuji Loŋde Mbaɗata E Kugal Mobil Ecobank

Njaajeendi golle dijital Ecobank ina addana yimɓe weeɓtinde haajuuji loŋde mum en e laawol keewngol:

• Kugal Mobil (Mobile App): Kugal Ecobank Mobile ina woodi e telefonaaji iOS e Android. Kugal ngal ina addana yimɓe waɗde haajuuji loŋde e nokku goɗɗo fuu.
• Laylaytol Entenet: Yimɓe ina mbaawi waɗde haajuuji loŋde e laylaytol entenet ecobank.com.
• Bankeji: Ecobank ina jogii bankeji ko ɓuri 15 e nokkuuji mawɗi ko wayi no Conakry, Kindia, Labé, Nzérékoré, Kankan, e Mamou, e kadi ATM-ji ko ɓuri 30.

Sarɗiiji E No Yimɓe Njaɓɓata: Ngam loŋde, aɗa haani rokkude aaydi mum (kartal aaydi ngenndi, paspoor), seedee njoɓdi, e seedee hoɗorde. Banke oo ina huutora kadi noɓɓaande dijital e anndinde yimɓe e laawol biométrie. Roboot RAFIKI ina wallita yimɓe e nder golle ɗii.

Njaajol Loŋde E No Ɗum Anndirtee: Ecobank ina huutora njaajol mum keertiiɗol ngam anndinde baawɗe njoɓdi yimɓe. Ɗum ina hawri e ko yimɓe njogii e banke oo, e no ɓe huutorii ceede mobil (e laawol jokkondiral e MFS Africa), e kadi kabaaruuji gila e fedde kabaaruuji loŋɗe. Ɗum fof ina walla Ecobank anndinde risk loŋde ndee.

No Jawdi Yaltirtee: So loŋde ndee jaɓaama, jawdi ndii ina yalta e laawol transfer banke haa kontoo Ecobank walla e ceede mobil (e laawol jokkondiral e gollotooɓe nokkuuji), walla aɗa waawi jaɓɓa ɗum e banke walla e nokkuuji Xpress Points.

Kugal Mobil Ecobank E No Ɗum Huutorirtee

Kugal mobil Ecobank (Ecobank Mobile) ko huunde mawnde e nder golle banke dijital ɗe Ecobank rokkata. Ina woodi e telefonaaji iOS e Android. Ko ɓuri 5 miliyoŋ neɗɗo njaltinii ɗum e Android.

Sarɗiiji Kugal Ngam Huutoreede:

• Android: 21 MB, ina haani version Android keso.
• iOS: Ina haani iOS 13+ walla ko ɓuri ɗum.

Ko Kugal Ngol Waawi Waɗde:

• Anndude ceede e kontoo e kabaaruuji kontoo.
• Tagude kartal dijital (virtual card).
• Waɗde transfer ceede hakkunde leyɗeele (Visa Direct).
• Soodude airtime/data, yoɓde fakturaaji, yoɓde ceede e laawol QR.
• Yaltinde ceede e ATM so a alaa kartal (Xpress Cash).
• Tawde bankeji e ATM-ji Ecobank.
• Heɓde walla gila e kugal ngal.

E nder enternet, Ecobank ina jogii laylaytol mum (ecobank.com/gn) e kadi ina golla e laylaytol renndo ngam jokkondirde e yimɓe e hokkude kabaaruuji.

Nokku Makko E Luumo E Kabaaruuji Yimɓe

Ecobank Guinée ina jogii nokku mawɗo e nder luumo banke e Gine, tawi omo jogii ko ina tolnoo e 12% e jawdi banke. Wanaɓɓe mawɓe e nder luumo Gine ko BICIGUI, SGBG, UBA Guinée, e Orabank.

Ko Waɗi Ecobank Ceera:

• Jokkondiral Pan-Afrik: Ndeen jokkondiral ina addana ɗum wallitde njulaagu hakkunde leyɗeele.
• Golle Dijital: Kugal mobil mum addani ɗum wonde banke arano e fannu dijital.
• Jokkondiral E MFS Africa: Ngam wallitde golle ceede mobil.

Golle Ecobank ina njeyaa e ko walliti njulaagu tokoosu ngam ɓeydude golle mum en. Loŋɗe njoɓdi keɓaaɗe e laawol mobil kadi ina mbaawi wallitde yimɓe e wakkatiiji haajuuji ceede.

Kabaaruuji Yimɓe E Ko ɓe Ngandii

Kugal mobil Ecobank ina jogii njoɓɓaande 3.5 e nder Google Play Store, tawi yimɓe ina keewi haalude ko faati e ɗaanaare kugal ngal e caɗeele naatgol. E nder iOS kadi, kabaaruuji ina ceera, tawi yimɓe ina kaala ko faati e caɗeele jaɓɓagol e kadi ko faati e reende kabaaruuji mum en keertiiɗi. Ko ɓuri heewde e caɗeele ko:

• Jokkondiral kugal ngal ina duncata.
• Caɗeele naatgol.
• Yimɓe ina ɓooyoo jaabawol gila e nokku wallitgol yimɓe.

Haa teeŋti, Ecobank Guinée ina rewee e ñaawirɗe banke leydi ndii (BCRG) e kadi ina tokka sarɗiiji anti-launderie (AML/CFT) e IFRS. Banke oo ina jokkondiri e BCRG ngam wallitde reende yimɓe, omo rokkita kabaaruuji laaɓtuɗi e ceede golle, omo jogii nokku ngam jaɓɓaade kabaaruuji yimɓe, omo kadi jokkondiri e fedde reende ceede yimɓe e banke.

Hakkille Loŋooɓe Keso E Ecobank Guinée

So aɗa anniyii loŋde e Ecobank Guinée, ko ɗeeɗoo ko'e mbaawi wallitde ma:

1. Anndu Sarɗiiji Loŋde Haa Laaɓi: Ko adii loŋde fuu, janngu haa laaɓi sarɗiiji, joɓɗe, e ceede golle. So a anndaa ko heewi, naamno to gollotooɓe banke.
2. Anndu Joɓɗe E Ceede Golle: Njoɓdi ina ceera e no loŋde ndee woniri. Anndu kadi ceede golle, ceede battaaɗe, e ceede hitaande ngam anndude ko a yoɓata haa laaɓi.
3. Waɗtu Kugal Mobil Ngal Laaɓi: So aɗa huutora kugal mobil Ecobank, tabbintin aɗa jogii version keso. Waɗtu ko haani ngam haɗde caɗeele jokkondiral e naatgol.
4. Tabbintin Aɗa Waawi Yoɓde: Ko adii loŋde fuu, tabbintin njoɓdi ma ina waawi yoɓde loŋde ndee e wakkati mum. So a yoɓaani e wakkati mum, aɗa yoɓa ceede battaaɗe.
5. Reendu Aaydi Ma: So aɗa huutora kugal mobil walla laylaytol entenet, reendu aaydi ma e kabaaruuji ma keertiiɗi.
6. Jokkondiru E Banke So Caɗeele Ndewrii: So aɗa hawri e caɗeele e kugal ngal walla e golle goɗɗe, jokkondiru e nokku wallitgol yimɓe banke ngam heɓde walla.

Ecobank Guinée ina rokkita yimɓe Gine fartaŋŋeeji jawdi mawɗi, haa teeŋti e laawol dijital. So a anndii sarɗiiji e ko aɗa yiɗi, aɗa waawi huutoraade golle maɓɓe ngam haajuuji ma.