IIBank

Gurraarah xagga bankii kee taariikh

IIBank, Intarnashinaal Invastmant Bankii S.A. Jabuuti (IIBank) edde geyan bankii, Jabuutih baaxoh edde geyan bankii kee Interkontinental Invastmant Bankii ih (iiB) Afrika Barrih xaaxih geyan bankii.

Bankii toh 2023h Jabuutih baaxoh edde gurrusay, iiB Guruup Holdiings WLL Bahreynih baaxoh edde geyan bankih baaxol geyan bankii. iibank bankii lakob kee adu’a baaha nafsi macammay deeyanah, qimmitti shirkadah, kee galakkal shirkadah.

Akkale dayo kee Islaamih shariicah edde baahay dayo edde geyan bankii toh, Jabuutih ummatta kee shirkaditteh duddal faaydah kee macammay deeyan edde baahay bankii.

Bankih baaxoh xayyoyyitak:

• Afrika Barrih Baaxoh Qimmitti Baanki Baaxoh Xayyoysa: Papa Demba Diop
• Krediit Baxsa Xayyoysa: Imane Nidar
• Haytoo kee Khatar Baxsa Xayyoysa: Linda Mohamed Kayad

Dayok Lakob kee Adu’a

IIBank Jabuuti macammay deeyan kee shirkaditteh adda lakob kee adu’a baaha. Akkale dayo kee Islaamih shariicah edde baahay dayo edde geyan bankii.

Nafsi Dayo (Personal Loans)

• Akkale Dayo: DJF 2,000,000 gubbo, 36 alaa maxaaw, dulul sanatah 12-18%. Muxuulah lacag 33% gubbo.
• Islaamih Shariicah Dayo (Murabaha): Nabaasah lacag malii, 36 alaa maxaaw, faaydah sanatah 10-15%.

Barra Dayo (Home Loans)

• Akkale Dayo: DJF 500,000-20,000,000 gubbo, 20 sanatah maxaaw, lacagta 10% tan, dulul sanatah 8-12%.
• Islaamih Shariicah Dayo (Diminishing Musharakah): 25-60 sanatah adda, 20 sanatah maxaaw, faaydah sanatah 7-10%.

Baabur Dayo (Auto Loans)

• Akkale Dayo: DJF 100,000-5,000,000 gubbo, 12-60 alaa maxaaw, dulul sanatah 14-20%.
• Islaamih Shariicah Dayo: Baahay macammay geyan bankii.

Qimmitti Shirkadah kee Galakkal Shirkadah Dayo (SME & Corporate Term Loans)

• Akkale Dayo: DJF 10 miiliyon-100 miiliyon+ gubbo, 1-5 sanatah maxaaw, dulul sanatah 10-16%. Overdrafti dulul 15-22%.
• Islaamih Shariicah Dayo: Proojekti faaydah Murabaha hinnay Ijara edde baaha, faaydah lakob macammay geyan bankii.

Lacag kee Dammana (Fees & Collateral)

• Nabaasah Lacag: Dayoh lacagta 1.0-1.5% tan.
• Rakaat Lacag: Rakkan lacagta sanatah 2% tan.
• Dammana:
  • Nafsi Dayo: Muxuula dammana, dammanay.
  • Barra/Baabur Dayo: Barra dammana hinnay baabur dammana.
  • Shirkadah Dayo: Baaxih adu’a, lakabtah lacag, shirkadah dammana.

Nabaasah Dabqaan kee Ittam Abta (Application Process & Operations)

IIBank dayo dabqaan kee ittam abta edde geyan bankii. Moobayli app, online portal kee kabuk edde geyan bankii.

Nabaasah Dabqaan (Application Channels)

• Moobayli App: iOS kee Androoyid edde geyan app.
• Online Portal: www.iibanks.com/eastafrica edde geyan.
• Kabuk: Jabuuti Baaxol (Balbala, Free Zone, Arhiba) 3 kabuk edde geyan bankii.

Macammay Deeyan kee Edde Geyan (KYC & Onboarding)

Dayo baahak, macammay deeyan kee edde geyan shuruud abta. Xayyoyta karta (NIC) hinnay paspoorti, edde geyan markab, kee muxuulah markab (3 alaa muxuula lakob) abta. Dijitaali lakob baahay, kee kabuk edde geyan macammay deeyan lakob abta.

Krediit Lakob kee Edde Guubusan (Credit Scoring & Underwriting)

Bankii toh Jabuutih krediit buroh lakob, bankii lakobtah kee shirkadah lakob edde lakobtah. DJF 10 miiliyon gubbol geyan dayo, gacnah edde lakobtah.

Lakobtah kee Lacag Lakobtah (Disbursement & Collections)

Dayo baahay, bankii lakobtah, moobayli lacag (EVC Plaas, DIB), hinnay kaash cheki edde baaha. Lacagta lakobtah, lakobtah amri, moobayli walet lakobtah, kee 30 ayro gubbol rakan lacagta gacnah edde lakobtah.

Moobayli App kee Tiknooloojii (Mobile App & Technology)

IIBank baaxoh xagar dijitaali bankii. Moobayli app kee online portal edde geyan bankii.

Moobayli App Ittam Abta (Mobile App Features)

• Lakobtah dayoh shuruud edde lakobtah.
• E-statementi, karta macammay hayta, kee lacagta lakobtah.
• App Stoore kee Play Stooreh lakobta 4.2/5 kee 4.0/5.

Dijitaali Edde Geyan (Digital Presence)

Website kee sosiaal miidiyaa (Facebook, LinkeDin) edde geyan bankii. Sanatah lacagta lakobta, Afar, Ingilis kee Faransiis edde geyan bankii.

Baaxoh Gurrus (Geographic Coverage)

Kabuk Jabuuti Baaxoh edde gurrusay. 2026h Tajuurih baaxoh edde gurrusay bankii.

Macammay Deeyan Lakob (Customer Base)

15,000 macammay deeyan kee 200 qimmitti shirkadah edde geyan bankii. 60% 25-45 sanatah adda, 55% lab kee 45% say.

Haytoo kee Suuqah Udur (Regulatory Status & Market Position)

IIBank Jabuuti Baanki Macammay haytah lisansi edde geyan bankii. Jabuutih Daamanat Fondih li bankii.

Sanatah auditi PrayiswatarhawusKuupars Jabuutih edde abta. Macammay deeyanah duddal faaydah kee macammay deeyanah duddal baaha bankii.

Suuqah Udur (Market Share)

Jabuutih nafsi dayoh lacagta 8% tan. DJF 30 miiliyon gubbol geyan nafsi dayoh lacagta.

Xuttu kee Keenih Xayu Bankuk (Key Competitors)

Jabuutih baaxoh edde geyan bankuk:

• BCIMR (Bankii Komers kee Industri Mer Rouge)
• Eksim Bankii Jabuuti
• Salaam Afriikan Bankii (Islaamih Shariicah)
• BDCD (Bankii de Deppo kee Krediit Jabuuti)

Macammay Deeyanah Farqitta (Differentiation)

IIBank akkale dayo kee Islaamih shariicah dayo edde geyan bankii. Baaxoh xagar dijitaali bankii kee macammay deeyanah duddal faaydah kee macammay deeyanah duddal baaha bankii.

2023h edde gurrusay akkek, sanatah 20% gubbol geyan dayoh lakobta edde geyan bankii. Jabuutih Qimmitti Krediit Daamanat Fondi (FGPCD) edde geyan bankii.

Macammay Deeyanih Ittam Abta (Customer Experience)

Macammay deeyan moobayli app kee kabuk edde geyan bankii.

Macammay Deeyan Lakob (User Reviews)

• App Stoore: 4.2 lakobta edde geyan bankii. Dagoh lakobtah kee dijitaali ittam abta edde lakobtah.
• Googel Play: 4.0 lakobta edde geyan bankii. KYC lakobtah kee kabuk lakobtah edde lakobtah.

Adu’ah Lakob (Service Quality)

24/7 xoonan hayta kabuk kee app edde geyan chat edde geyan bankii. Net Promootar Iskore ~45.

Dayo Baahak Nabna (Practical Advice for Potential Borrowers)

IIBank Jabuutih baaxoh edde geyan qimmitti bankii. Dayo baahak, nabna edde geyan bankii.

1. Shuruud Lakob: Dayo baahak, shuruud kee waqti lakobta. Muxuulah lacag kee dammana lakobta.
2. Faaydah kee Lacag Lakob: Dulul, faaydah kee lacagta lakobta. Dayoh lakobta kee waqti lakobta.
3. Dijitaali Adduuni: Moobayli app kee online portal edde geyan bankii. App edde geyan dayo dabqaan kee macammay deeyanah duddal faaydah kee macammay deeyanah duddal baaha bankii.
4. Akkale hinnay Islaamih Shariicah: Akkale dayo hinnay Islaamih shariicah dayo edde geyan bankii. Macammay deeyanah duddal faaydah kee macammay deeyanah duddal baaha bankii.
5. Krediit Lakob: Krediit buroh lakobta kee dayoh lakobta edde geyan bankii. Dayo baahak, krediit lakobta kee dayoh lakobta edde geyan bankii.
6. Lacagta Lakobtah: Dayo baahak, lacagta lakobtah kee lacagta lakobtah edde geyan bankii. Rakkan lacagta kee lacagta lakobtah edde geyan bankii.

IIBank Jabuuti, dijitaali dabqaani kee kabuk kee dayo lakob kee adu’a baahay bankii. Dayo baahak, nabna kee macammay deeyanah duddal faaydah kee macammay deeyanah duddal baaha bankii.