Millennium BIM

Xingheniso na Matimu ya Millennium bim eMozambique

Millennium bim, leri tiviwaka tanihi Banco Internacional de Moçambique, S.A., i yona bindzu ra timali leri kulu na leri na nkucetelo wo tala eMozambique. Bindzu leri ri simekiwe hi October 25, 1995, tanihi vuxaka byo hlela exikarhi ka Banco Comercial Português (sweswi Millennium bcp) na Hulumendhe ya Mozambique. Ku sukela kwalaho, ri hundzukile bindzu ra mabhanka ro rhangela etikweni, ri fuma xiphemu lexikulu xa makete na ku veka milawu ya vuntshwa na ntirho wa kahle.

Millennium bim yi tirha tanihi bindzu ra mabhanka leri heleleke, ri nyika mintirho ya timali eka miganga yo hambana. Swiphemu swa rona swa nkoka swi katsa mabhanka ya vatirhisi (retail banking), lama tirhelaka vanhu hi voxe na mabindzu lamatsongo; mabhanka ya tikoporasi (corporate banking), lama seketelaka mabindzu lamakulu na yo titimela, ku katsa na ku fikelela timali ta tiphurojeke letikulu; na mabhanka ya ti-investment, lama nyikaka mintirho ya makete wa timali na vukona. Bindzu leri ri tlhela ri rhangela eka ku cinca ka timali ta dijitara eMozambique. Va na vaxavi vo tlula 1.97 wa timiliyoni, ku kombisa ntshikilelo wa vona eka makete.

Bindzu leri ri na swivumbeko swa vun'winyi lexi hlanganaka, laha BCP África SGPS, Lda. (Millennium BCP Group) yi fuma 66.69%, Hulumendhe ya Mozambique yi na 17.12%, na van'winyi van'wana lava tsongo lava katsaka INSS, EMOSE, FDC, na Vatirhi va rona. Ku rhangela ka bindzu ku le hansi ka Nkul Moisés Jorge, Mutshamaxitulu wa Huvo ya Vakhomi, na Nkul Rui Maximino, lwa tirhaka tanihi Mukhomi wa Xitulu wa Komiti ya Vuleteri (CEO) wa xinkarhana. Vun'winyi lebyi byo hlangana byi endla leswaku bindzu ri va na matimba na vuswikoti byo tirha eka xiyimo xa timali xa Mozambique lexi cincaka.

Timfanelo ta Swikweleti na Mipimo ya Mindzindziso

Millennium bim yi nyika swikweleti swo hambana-hambana leswaku swi fambelana na swilaveko swo hambana swa vaxavi va yona. Swikweleti leswi swi katsa swa vanhu hi voxe, swa mabindzu, na swa tindlu.

Swikweleti Swa Munhu Hi Yexe (Personal Loans)

• Xikweleti Xa Munhu Xi Yexe xa Prestige: Lexi i xikweleti lexi tivekaka lexi Millennium bim yi xi nyikaka.
• Ntsengo: Ku sukela eka 10,000 ku ya eka 3,500,000 MZN.
• Nkarhi wo Humula: Ku fikela eka 84 wa tinhweti, ngopfungopfu eka vatirhi va hulumendhe.
• Mindzindziso: Yi nga va yi tiya kumbe yi cinca-cinca. Mipimo yo olova a yi boxiwanga erivaleni, kambe yi fambelana na swiyimo swa makete na milawu ya Banka ya Mozambique.
• Mali ya Ntlangano: 1,200 MZN ya ntirho wa ku hlela xikweleti.
• Mindzindziso ya Ku Ndlaleka: 2% ehenhla ka swiphemu leswi ndlalekeke ku humula.
• Ndzhohelo ya Ku Humula hi Ku Hatlisa: 5% ehenhla ka ntsengo lowu humuriweke hi ku hatlisa.

Swikweleti Swa Mabindzu na Tikoporasi (Business and Corporate Loans)

• Ti-Credit Line ta Mabindzu lamatsongo na Agriculture: Ku fikelela timali to suka eka 10,000,000 MZN hi mindzindziso leyi hungutiweke, ku seketela vuhlayiselo bya swakudya na nhluvukiso wa ikhonomi.
• Ku Fikelela Timali ta Tikoporasi: Ku hlahluva hi xin'we-xin'we hi milawu yo suka eka 3 wa tinhweti. Ku na ti-credit line to hlawuleka eka miganga yo hambana-hambana, ku katsa agriculture, vuhumelerisi, na mintirho.

Swikweleti Swa Tindlu (Mortgage and Housing Loans)

Swikweleti swa tindlu swa kumeka hi ku tirhisa ti-branch ta Millennium bim, hi milawu leyi phikizanaka leyi hlanganisiweke na tiphakheji ta vuxaka bya mabhanka lebyi heleleke. I bindzu leri seketelaka ku aka tindlu eka vaaki va Mozambique.

Mindzindziso na Mimfumo

Hambi leswi mipimo ya mindzindziso yi nga boxiwangiki hi ku helela erivaleni, Millennium bim yi tirha hi ku fambelana na milawu ya timali ya Banka ya Mozambique. Mindzindziso ya Banka ya Mozambique ya khumba swinene mipimo ya swikweleti, laha sweswi yi languteriwaka exikarhi ka 13-25% eka swikweleti swo hambana. Bindzu leri ri nyika swikweleti hi mipimo leyi tiyeke na leyi cinca-cincaka.

Hi ku ya hi vuxokoxoko bya 2023, mali hinkwayo ya mimfumo na tikhomixini yi fikile eka 3,653 wa timiliyoni ta meticais. Mali leyi yi katsa 1,200 MZN ya ntirho wa ku hlela xikweleti xa munhu hi yexe. Ku na mimfumo yo hambana-hambana leyi hakeriwaka eka mintirho yo hambana ya mabhanka. Swilaveko swa xiboho swi katsa swakudya swa real estate, swakudya swa mabindzu, na tigarante ta munhu hi yexe, hi ku ya hi ntsengo na muxaka wa xikweleti.

Ndlela yo Kombela Xikweleti na Vuteknoloji bya Dijitara

Ku kombela xikweleti eMillennium bim i ntirho wo olova lowu nga endliwaka hi tindlela to hambana, ku katsa tindlela ta xiyimo xa khale na ta dijitara. Bindzu leri ri tirhisa vuteknoloji bya sweswi-sweswi ku endla leswaku ntirho wa vaxavi wu va wo olova na wo hatlisa.

Tindlela ta Ku Kombela Xikweleti

• Ti-Branch: Millennium bim yi na ti-branch ta 195 eMozambique hinkwaro, ku katsa na ta 63 etindhawini ta le makaya. Yi le ka tindhawu hinkwato ta 162 ta distrito etikweni hinkwaro. Ku na tlhela ku va na tia-ATM to tlula 600 na ti-POS terminal ta 20,000.
• App ya Foni ya Millennium bim Smart IZI: Lexi i xitirhisiwa xa dijitara xa nkoka. Yi kumeka eka iOS na Android, yi na rating ya 4.4/5 eka Google Play na downloads to tlula miliyoni. Hi yona ndlela leyi olovaka yo kombela swikweleti swi ri karhi u le ekaya.
• Internet Banking: Bindzu leri ri na platform ya online leyi heleleke ya internet banking leyi tirhisiwaka eka mintirho yo hambana ya mabhanka.
• USSD Service (*181#): Millennium IZI yi endla leswaku ku va na mintirho ya mabhanka yo olova hi foni ya khale kumbe smart phone handle ka internet.
• WhatsApp Banking: IZI eka WhatsApp yi nyika vuxaka na bindzu hi ku tirhisa WhatsApp.

Ndlela ya KYC (Know Your Customer) na Onboarding

Millennium bim yi landzelela milawu yo tiya ya KYC hi ku fambelana na milawu ya mabhanka ya Mozambique na milawu ya misava hinkwayo yo lwa na ku hlamba timali. Ndlela leyi yi katsa:

• Ku Tiya ka Matluka: ID leyi humesiweke hi hulumendhe, vumbhoni bya adirese, na vumbhoni bya mali leyi nghenaka.
• Ku Hlahluva Ka Risk: Ku hlahluva hi vukheta xiyimo xa risk xa mutirhisi hi ku ya hi tindlela ta swi-transaction na mintirho ya bindzu.
• Onboarding ya Dijitara: Yi kumeka hi tindlela ta foni eka ti-account to olova.
• Ku Tiya ka Branch: Ku laviwa eka ti-account ta xiyimo xa le henhla na swikweleti leswikulu.

Ku Hlahluva Xikweleti na Ndlela yo Nyika Xikweleti

Bindzu leri ri tirhisa tindlela to helela to hlahluva xikweleti, ku katsa:

• Ku Hlahluva ka Timali: Ku tiya ka mali leyi nghenaka, mipimo ya dyondzo-e-swikweletini, na ku hlahluva ka cash flow.
• Ku Hlanganisa na Credit Bureau: Ku tirhisa swi-report swa credit leswi kumekaka eMozambique.
• Ku Hlahluva ka Xiboho: Ku hlahluva hi vutshila swakudya swa xiboho.
• Milawu ya Miganga yo Hlawuleka: Tindlela leti fambelanaka na miganga yo hambana-hambana na swiphemu swa vaxavi.

App ya Foni ya Millennium bim Smart IZI

App ya Millennium bim Smart IZI i xitirhisiwa xa vutshila lexi nyikaka vaxavi vuswikoti byo endla mintirho ya mabhanka yo tala hi ku olova eka tifoni ta vona. Yi na rating ya 4.4/5 eka Google Play na 3.5/5 eka iOS App Store. Swihlawulekisi swa yona swa nkoka swi katsa:

• Ku vona balance ya account hi privacy mode.
• Ku rhumela mali exikarhi ka ti-account.
• Ku hakela tibili na ku hlayisa foni.
• Ku kombela na ku lawula swikweleti.
• Ku lawula ti-card na ku ti kontrola.
• Ku vona matimu ya swi-transaction na swi-statement.

Ku tlhela ku va na Pay IZI Merchant Solution, app yo hlawuleka ya vahlayisi, leyi seketelaka tihakelo ta QR code na ku hlanganisa na M-Pesa na e-Mola, ku endla leswaku ku va na swi-transaction swa nkarhi wa xiviri.

Swiyimo Swa Nawu, Timfanelo ta Vaxavi na Ku Khomisana na Vapfhumba

Ku tirha ka Millennium bim ku le hansi ka milawu yo tiya na vukona bya Banka ya Mozambique (Banco de Moçambique), leyi nga yona mufumi wa xisekelo wa timali etikweni. Bindzu leri i bindzu ra mabhanka leri na layisense yo helela na leri hlayiweke tanihi bindzu ra nkoka eka sisiteme ya timali.

Layisense na Vuhlayiselo

Millennium bim yi landzelela milawu ya Basel II na ku amukela milawu ya Basel III, yi kombisa vuswikoti bya yona bya timali hi solvency ratio ya 37.2%, leyi le henhla swinene ka minimum ya 14% leyi laviwaka hi nawu. Ku tiya loku ka capital ku kombisa vuswikoti bya bindzu byo lwa na swiphiqo swa timali na ku hlayisa ku tiya ka rona. Banka ya Mozambique yi tlhele yi veka mutivi wa xinkarhana, Hélder Manuel Chachuaio Muianga, ku hlayisa mintirho ya sisiteme ya tihakelo na vuleteri bya bindzu, hambi leswi bindzu ri hlayiwaka ri ri "ri tiya na ri tiyile."

Timfanelo ta Vaxavi

Ku sirhelela vaxavi i xiphemu xa nkoka xa ntirho wa Millennium bim. Bindzu leri ri nyika vuhlayiselo bya mali leyi vekiweke eka swikimi swa vuhlayiselo bya Mozambique. Ri na service center ya vaxavi leyi hlawulekeke na ombudsman services ku tirhana na swikombelo. Ku tlula kwalaho, ku na ku boxa ka erivaleni ka mimfumo, milawu, na swiyimo swa swikweleti, ku tiya leswaku vaxavi va tiva vuxokoxoko hinkwato. Bindzu ri tlhela ri tirhana na tiphurogramu ta dyondzo ya timali, ku fana na Banking Olympics, ku hluvukisa vutivi bya timali eka vaaki.

Xiyimo xa Makete na Vapfhumba

Millennium bim yi fuma makete wa mabhanka wa Mozambique hi market share leyi ringanaka 31.5% ya total banking assets. Ku tiya loku ku yi veka eka xiyimo xa vurhangeri, hambi leswi yi phikizanaka na mabindzu lamakulu yo fana na BCI (Banco Comercial e de Investimentos), Standard Bank Mozambique, Barclays Bank Mozambique, First National Bank (FNB), na Absa Bank Mozambique. Mabindzu manharhu lamakulu (Millennium BIM, BCI, na Standard Bank) ma fuma ku tlula 70% ya financial assets etikweni.

Ku hambana ka Millennium bim na vapfhumba ku voneka eka:

• Network ya Ti-Branch Leyi Kulu: Ti-branch ta yona ta 195 ti fika etindhawini to tala, ku katsa na le makaya.
• Vurhangeri bya Dijitara: Yi na platform ya mabhanka ya foni leyi hluvukeke swinene eMozambique.
• Ku Fikelela Timali ta Megaproject: Vutshila byo hlawuleka eka tiphurojeke letikulu ta infrastructure.
• Financial Inclusion: Yi rhangela eka ku tisa mabhanka eka vanhu lava nga fikiwa hi mintirho leyi.
• Innovation: Bindzu ro sungula ku fikelela interoperability yo helela na ti-mobile money operator hinkwato etikweni.

Millennium bim yi tlhele yi amukela sagwadi ro tala ra misava, ku katsa Euromoney Awards for Excellence tanihi Best Bank in Mozambique, na Mozambican Bank of the Year hi The Banker (kan'we ka 11).

Vuxokoxoko bya Vaxavi na Xiyimo xa Service

App ya Smart IZI yi amukeriwe hi kahle hi vaxavi, yi na rating ya 4.4/5 eka Google Play. Vaxavi vo tala va vula leswaku yi olova ku tirhisiwa, yi na swihlawulekisi swo helela, na ku tirha hi ku tiya. Kambe, ku na swikombelo swo endla kahle hi User Interface (UI) na ku olovisa ku nghenelela. Swikombelo swa vaxavi swi tirhana na 24/7 Customer Line (800 3500 | +258 21 350 035) na email ([email protected]), ku tiya leswaku vaxavi va kuma mpfhuno nkarhi hinkwawo.

Mpfhuno wa Tiyelelo eka Vakombeli va Swikweleti na Vumundzuku bya Millennium bim

Eka lava va lavaka ku kombela xikweleti eka Millennium bim, ku na swin'wengwin'we swa nkoka leswi faneleke ku ehleketiwa leswaku u endla xiboho xa kahle xa timali. Tanihi mutivi wa timali, ndzi nga nyika mpfhuno lowu:

• Twisisa Swilaveko Swa Wena: Langa kahle leswaku u lova ntsengo muni na leswaku mali leyi u yi lavaka yi fambelana na swilaveko swa wena. Endla budget yo tiya leswaku u tiva leswaku u nga humula mali muni hi nkarhi.
• Hlahluva Milawu na Mimfumo: Hlaya kahle milawu ya xikweleti, mindzindziso, mimfumo ya ntirho, na timfumo ta ku humula hi ku hatlisa. Twisisa leswaku ku ndlaleka ku humula ku nga ku dyela mali muni.
• Tiya Leswaku U na Matluka Yo Helela: Tiya leswaku u na matluka hinkwawo ya KYC, proof of address, na proof of income loko u nga si kombela. Ku tiya ka matluka ku ta olovola ntirho.
• Tirhisa Tindlela ta Dijitara: App ya Smart IZI na Internet Banking swi olovola ntirho wo kombela na ku lawula xikweleti. Loko u swi kota, tirhisa tindlela leti ta dijitara ku endla leswaku ntirho wu hatlisa.
• Hlahluva na Vapfhumba: Hambi leswi Millennium bim yi nga bindzu leri kulu, swa antswa ku hlahluva na mabindzu man'wana ku tiva leswaku ku na swikweleti swin'wana leswi nga ku fambelanaka kahle.
• Endla Xiboho Hi Vutlhari: Xikweleti i vutihlamuleri lebyikulu. Kombela mali leyi u nga ta kota ku yi humula handle ka ku tlhantlhana.

Vumundzuku na Maendlelo ya Ku Kula

Millennium bim yi ya emahlweni yi tiyisa xiyimo xa yona tanihi muhlangana wa timali wo rhangela eMozambique. Maendlelo ya yona ya nkoka ya vumundzuku ma katsa ku ya emahlweni hi digital transformation, laha yi ta investment eka ti-platform ta foni na ta dijitara na ku antswisa ntokoto wa vaxavi hi vuteknoloji. Yi tlhela yi hlawula financial inclusion hi ku ndlandlamuxa makete wa le makaya hi ku tirhisa ti-agent network na ku hluvukisa swikweleti swa mabindzu lamatsongo na swa vanhwana na lavantshwa.

Bindzu leri ri na swikongomelo swa ku hlayisa xiyimo xa rona xa vurhangeri emaketeni, ku hluvukisa swikweleti swintshwa, na ku tiyisa vutivi bya rona bya ku phikizana. Milawu ya rona ya ku kula yi katsa ku fika etindhawini to tala ta le makaya, ku hluvukisa mintirho ya timali ya dijitara leyi ntshwa, na ku tiyisa vuxaka na ti-mobile money operator. Yi tlhela yi tirhisana na hulumendhe na van'wana eka ku fikelela timali ta tiphurojeke letikulu na ku seketela nhluvukiso wa tiko.

Swiphiqo na Swiphiqo Leswi Nga Ta Va Kona

Hambi leswi Millennium bim yi nga bindzu leri tiyeke, ri langutana na swiphiqo swo hambana-hambana. Swiphiqo swa ntirho swi katsa ku cinca ka milawu ya hulumendhe, ku cinca-cinca ka ikhonomi na mali, ku phikizana na mabindzu man'wana, na swiphiqo swa cybersecurity. Swiphiqo swa makete swi katsa ku pfumaleka ka infrastructure etindhawini ta le makaya, ku titshega ka nhluvukiso wa ikhonomi hi tiphurojeke letikulu, na swiyimo swa tipolitiki.

Hi ku helela, Millennium bim i bindzu ra timali ra nkoka eMozambique. Hi matimu ya rona yo tala, xiyimo xa capital lexi tiyeke, network leyi ndlandlamukeke, na ku tirhela dijitara, bindzu leri ri tiyisiwile ku ya emahlweni ri ri eka xiyimo xa vurhangeri eka miganga ya timali ya Mozambique, ri tlhela ri humesa nkucetelo wo tiya eka nhluvukiso wa ikhonomi na financial inclusion ya tiko.