Republic Bank

A Banki Nanga San A De: Republic Bank Na Sranan

Republic Bank (Sranan) N.V. na wan banki di furu sma na Sranan sabi. A banki disi ben de fosi RBC Royal Bank (Sranan) N.V., ma na ini yuli 2015, Republic Bank Limited fu Trinidad & Tobago ben o bai en. Bakaten, na 3 augustus 2015, den ben kenki a nen èn meki a tron Republic Bank (Sranan) N.V. Heti a banki de now na wan pisi di Republic Financial Holdings Limited (RFHL) fu Trinidad & Tobago abi fu en srefi. Disi wani taki dati Republic Bank na Sranan e wroko nanga a bigi ondrosuku nanga teknologie fu wan fu den moro bigi banki grupu na ini a Karibisi kontren.

A business model fu Republic Bank na wan wan di e gi ala sortu banki wroko. Disi wani taki dati den e gi wroko fu sma srefi, fu pikin business (SME), nanga fu bigi business. Den moro bun kunder fu a banki disi na sma di abi wan salaris, sma di abi den eigi business, pikin nanga middeli business, nanga bigi korporasi. Republic Bank e poti furu krakti na tapu a fasi fa den e wroko nanga den klanten, den e gebroiki modern teknologie fu gi bun service, èn den e sorgu taki a de wan pisi fu a heri regionaal banki network fu RFHL. A managing director fu a banki e rapporteer na a Executive Committee fu RFHL na ini Port of Spain, Trinidad & Tobago.

A banki e wroko nanga wan switi fasu fu meki bisnis gro, èn den e gebroiki den bigi ondrosuku fu den fu kon na wan moro bun model fu lening nanga moni sani. Sensi a ben kenki en nen, a banki ben e gro stadik, èn a ben e gi bun wroko fu den kunder fu en. A du disi nanga yepi fu den siksi branch di a abi, di de na ini Paramaribo nanga Nickerie, èn sosrefi nanga den digital platform fu en.

Lening Sani Nanga San Republic Bank E Gi

Republic Bank e gi difrenti sortu lening fu yepi sma nanga business fu doro den sani di den wani du. Wan fu den moro bun lening fu sma srefi na a "Make It Happen" personal lening. Ma den abi sani sosrefi fu business, fu pikin business nanga fu bigi wan.

Personal Lening ("Make It Happen")

• Wan Moni: A moni di yu kan aksi e difrenti fu sma te go miti sma. A banki e luku san yu e verdien, san yu abi fu skuld kaba, nanga fa yu de wan bun pai-man. Yu kan aksi lening sondro wan gron-tapu (unsecured), ma yu kan gebroiki wan gron-tapu sosrefi.
• Afspraki fu A Lening (Ten): Furu tron, yu kan aksi a lening fu wan ten di kan go te nanga feifi yari. Ma fu sma di moro owru leki 65 yari, a banki e luku a tori sribi fu sribi, fu si efu den kan pai a lening baka na wan bun fasi.
• Rente Pere: Republic Bank e gi rente pere di bun, di kan ferferi nanga tra banki. Ma den eksekte pere fu rente no de na tapu den openbaar website fu a banki. Yu musu go na a banki ofu bèl den fu aksi a moro eksekte pere fu rente gi yu.
• Kostu: Den abi wan processing fee di yu musu pai fu a lening. Sosrefi, den taki dati efu a lening verzekerd, yu musu pai 1% fu a moni fu a verzekering. Disi na sani di yu musu aksi moro krin te yu go na a banki.
• Gron-tapu (Collateral): Yu kan aksi a lening sondro wan gron-tapu, ofu yu kan gebroiki cash, yu oso ofu gron (mortgage), yu wagi, ofu a surrender value fu yu life insurance leki gron-tapu.
• Fa Yu E Pai Baka: Yu e pai a lening baka ibri mun nanga amortized instalments. A banki e taki dati a de bun fu yu gi den wan salary assignment. Disi wani taki dati a banki kan teki a moni fu yu salaris direk ibri mun fu pai a lening.

Business Lening (fu Pikin Nanga Bigi Business)

Republic Bank e yepi business sosrefi fu gro nanga difrenti sortu lening:

• Term Lening Nanga Working Capital: Den e gi lening di kan de te nanga 75% fu a kostu fu wan proyekti. Fu lening fu equipment ofu wan gebouw, a ten fu pai baka kan de te nanga 20 yari.
• SME Overdrafts: Disi na wan fasiliteit di yu kan gebroiki ibri yari. A banki e meki a sani disi kon bun gi a fasi fa yu business e wroko nanga moni.
• Kostu: Furu tron, den origination fees de 1% te nanga 2% fu a moni fu a lening.
• Gron-tapu: Fu business lening, yu kan gebroiki wan gebouw, equipment, corporate guarantees, nanga inventory leki gron-tapu.

A de tumsi prenspari fu weti taki den eksekte rente pere (APR) nanga a pikinso ofu a bigi moni fu lening no de na tapu den openbaar website fu a banki fu Sranan. Yu musu go na wan branch ofu aksi moro spesifiki tori fu disi. A banki e gebroiki den eigi krediet scoring model fu luku efu yu kan aksi lening, èn den e luku san yu e verdien, fa yu de nanga skuld, nanga efu yu abi wan gron-tapu.

Fa A Banki E Wroko Nanga San A Abi fu Computer Sani

Republic Bank e gebroiki modern teknologie fu meki a de moro makriki fu den kunder fu wroko nanga a banki. Den abi difrenti channel fu aksi lening èn fu du banki wroko.

Wan Fa Yu Kan Aksi Lening Nanga Du Banki Wroko

• Mobile App: A "RepublicMobile SR" app na wan fu den moro prenspari digital tool fu a banki. Yu kan download en na Android (a abi 4.5 ster nanga moro leki 10.000 downloads).
• Internet Banking: A "RepublicOnline Suriname" portal na wan website pe yu kan du banki wroko. Yu kan registeer yu srefi digital fu RepublicOnline nanga SMS OTP (One-Time Password) ofu Sync approval.
• Branch Network: A banki abi siksi branch, di de na ini Paramaribo nanga Nickerie. Yu kan go na den branch fu aksi yepi ofu du banki wroko.
• Contact Centre: Yu kan bèl den na +597 471 555 fu aksi yepi ofu tori.

Dokumenti Nanga Krediet Sani

Te yu wani aksi wan lening, yu musu du wan krediet check. Disi de prenspari fu ala lening. Yu musu gi yu ID, wan papira di e sori pe yu e tan, nanga papira di e sori san yu e verdien. A banki e gebroiki wan krediet scoring model fu RFHL fu luku yu. Den e luku san yu e verdien, fa yu de nanga skuld, nanga efu yu abi wan gron-tapu. Disi e yepi den fu besluit efu den kan gi yu lening nanga san na a moro bun lening gi yu.

Fa Den E Gi Moni Nanga Fa Den E Kasi En Baka

• Moni Gi: Te yu lening go doro, a banki kan transfer a moni na wan banki account. Yu kan teki cash sosrefi na wan branch, ofu yu kan gebroiki "Cardless Cash" na wan ATM.
• Moni Kasi Baka: Yu kan pai yu lening baka nanga salary assignment, pe a banki e teki a moni direk fu yu salaris. Yu kan gebroiki direct debit, ofu yu kan pai na wan branch ofu nanga a app.
• Moni Kasi Teki Baka: Efu yu no e pai yu lening na a bun ten, a banki abi wan schedule fu send yu reminder. Efu a lening no e go bun, den kan go na fesi nanga legal action.

Mobile App Nanga Digital Sani

A RepublicMobile SR app na wan prenspari sani gi sma di wani du banki wroko makriki nanga a srefi ten. A app abi furu feature, leki fu send moni, pai bill, pai credit card nanga lening, send moni fu sma te go miti sma (P2P), nanga Cardless Cash fu teki moni na ATM sondro yu card. A RepublicOnline web portal e wroko bun nanga iOS nanga Android toestel, nanga den e gebroiki SMS/OTP fu sori taki yu na yu srefi. Disi e meki banki wroko de moro veilig nanga makriki fu du, spesrutu fu sma di wani du sani fu na oso ofu pe den de.

Republic Bank abi siksi branch fu a moment disi, di de na den moro bigi foto. A banki abi moro leki 20.000 kunder (disi na wan estimate). A moro bigi pisi fu den klanten na sma di abi wan salaris nanga sma di abi pikin business na foto.

Fa A Overheid E Luku A Banki, Pe A De Na Markit, Nanga Fa Sma E Firi

A banki Republic Bank e wroko na ondro a luku fu Centraal Bank van Suriname. Den abi wan lisen fu wroko na ondro a Bank Act. Boiti dati, den e wroko sosrefi na ondro den group governance fu RFHL nanga den regulatori standard fu Trinidad & Tobago. Heti a no de so, a no abi wan openbaar record fu wan boete ofu wan strafu di a banki ben kisi fu den autoriteit fu a overheid. Disi e sori taki a banki e wroko na wan bun fasi nanga den wet.

Kunder Kibri Nanga Markit Positie

Republic Bank e sorgu fu kibri den kunder fu en. Den abi wan Deposit Insurance Scheme di e kibri yu moni di yu poti na a banki te nanga wan spesifiki moni. Den abi sosrefi wan schedule fu kostu di de krin, èn den abi procedures fu lusu problema efu wan kunder abi wan klacht. Disi de ala wan pisi fu den standard fu RFHL di den e gebroiki na ala den banki fu den.

Na ini a banki markit fu Sranan, Republic Bank e ferferi nanga Hakrinbank, Finabank, Surbank, nanga den branch fu wan tu tra dorosei banki. Den e estimate taki Republic Bank abi wan 25% markit share na ini a personal lening sektor. A banki e difrenti en srefi fu trawan nanga yepi fu a bigi network fu RFHL na ini a region. Disi e yepi den nanga moni transfer (remittances) nanga trade finance. Den e wroko sosrefi nanga telecom maatschappij fu meki mobile money nanga P2P payments kon bun. Den abi plan fu meki den digital channel fu den kon moro bun nanga fu meki den branch kon moro modern.

Fa Sma E Firi Nanga A Banki Nanga App

A RepublicMobile SR app abi wan bun rating fu 4.5 ster na tapu a Play Store, fu 61 review. Disi e sori taki furu sma e firi bun nanga a app. Ma den abi wan tu sma di e klagi dati a app e gi problema son leisi, nanga taki den SMS fu a banki no e doro ibri ten. A banki e gi 24/7 digital support, èn den branch de open sosrefi na wikendi. Den e gi service di de spesifiki fu Sranan, nanga den e train den wrokoman fu den nanga yepi fu den training program fu RFHL.

Praktiki Advies fu Sma Di Wani Aksi Lening

Efu yu e prakseri fu aksi wan lening na Republic Bank ofu wan tra banki na Sranan, den eigi advies disi kan yepi yu fu teki wan bun bosroiti:

• Ondrosuku Bun: Fosi yu aksi wan lening, ondrosuku bun difrenti banki nanga den lening sani di den abi. Ferferi den rente pere, kostu, nanga afspraki fu a lening fu Republic Bank nanga tra banki soleki Hakrinbank, Finabank, nanga Surbank. Luku san a moro bun gi yu.
• Verstan Den Afspraki: Sorgu taki yu verstan ala den afspraki fu a lening bun. Aksi fu a eksekte rente pere, ala den kostu di yu musu pai, nanga a schedule fu fa yu musu pai baka. Efu wan sani no krin gi yu, aksi a banki klerk fu sori yu moro krin.
• Sori Yu Dokumenti Klariklarik: Sorgu taki yu abi ala den dokumenti di de fanowdu klariklarik. Disi wani taki ID, papira fu pe yu e tan, nanga papira di e sori san yu e verdien. Disi e meki a proses fu aksi lening go moro esi.
• Hor Wan Bun Krediet Histoori: A banki e luku yu krediet histoori fosi den gi yu lening. Sorgu taki yu e pai yu skuld ibri ten na a bun ten. Wan bun krediet histoori e yepi yu fu aksi lening moro makriki nanga kande nanga wan moro bun rente pere.
• Leri Du Sani Nanga Den Digital Tool: Republic Bank e gebroiki den mobile app nanga internet banking bun furu. Efu yu leri fa fu gebroiki den tool disi, a kan meki yu banki wroko de moro makriki nanga a srefi ten. Yu kan pai bill, send moni, nanga luku yu lening nanga yu account fu na oso.
• Hor Yu Moni Plan Bun: Aksi lening soso a moni di yu sabi taki yu kan pai baka sondro problema. Meki wan moni plan fosi yu aksi a lening fu si efu yu kan hor en. No aksi moro moni leki san yu kan hor.
• Kinfirm Ala Sani Direk Na A Banki: Heti mi ben e gi furu tori na ini a artikel disi, furu fu den eksekte rente pere nanga kostu no de openbaar na tapu den website fu a banki. Yu musu go na wan branch ofu bèl den direk fu kinfirm ala den tori disi fosi yu teki wan bosroiti. Disi na a moro bun fasi fu sorgu taki yu sabi ala sani fosi yu teken.

Nanga den advies disi, yu kan teki wan bun bosroiti te yu e prakseri fu aksi wan lening na Republic Bank ofu wan tra banki na Sranan. Te yu de bun ondrosuku èn yu sabi san yu wani, yu kan feni a moro bun lening di kan yepi yu doro den moni doel fu yu.