I-Ziraat Bankası yeyona bhanki inkulu eTurkey enoluhlu olubanzi lwemisebenzi yelizwe neyamazwe ngamazwe. Inamasebe angaphezu kwama-4.000 kunye nee-ATM ezingama-31.000 eTurkey kwaye isebenza kumazwe ahlukeneyo aquka iJamani, iRashiya, iChina kunye neMelika. Ibhanki inabathengi abangaphezu kwezigidi ezili-14 zabucala kunye nabathengi beenkampani abazizigidi ezi-1. Yenye yeebhanki ezinkulu eziphantsi kukarhulumente eTurkey ezinempahla engaphezulu kwe-200 yeebhiliyoni zeedola.
Ikwangomnye wamaziko amakhulu emali eTurkey anobukho obunamandla kwityala lomthengi, i-mortgage, i-corporate finance kunye neeprojekthi zotyalo-mali.
Ukuvula iakhawunti ngeZiraat Bankası, kufuneka ulandele amanyathelo ambalwa:
- Khetha uhlobo lwe-akhawunti: I-Ziraat Bankası ibonelela ngeendidi ezahlukeneyo zeeakhawunti njengeakhawunti yangoku, iakhawunti yokonga, iakhawunti yeshishini kunye neakhawunti yekhadi letyala. Khetha uhlobo lweakhawunti olulungela iimfuno zakho.
- Ndwendwela isebe: Ungavula iakhawunti ngeZiraat Bankası ngokundwendwela isebe lebhanki. Yiza nawo onke amaxwebhu afunekayo afana nesazisi, ubungqina bedilesi kunye nezaphulelo zokuhlawula.
- Gcwalisa ifom yesicelo: Ukuba ukwisebe, uya kucelwa ukuba ugcwalise iphetshana lesicelo. Qinisekisa ukuba zonke iinkcukacha zichanekile kwaye zizalisekile phambi kokuba usayine ifomu.
- Zazise: Ukuze uqinisekise ubuwena, uya kucelwa ukuba uveze isazisi esisebenzayo.
- Idiphozithi: Emva kokuba i-akhawunti yakho ivuliwe, kufuneka wenze idiphozithi encinci kwiakhawunti yakho.
- Ukuqaliswa: Uya kufumana umyalezo owamkelekileyo kunye nolwazi lokuvula iakhawunti yakho.
Kubalulekile ukuba uqaphele ukuba iimfuno kunye neenkqubo zokuvula i-akhawunti kunye ne-Ziraat Bankası zinokwahluka ngokuxhomekeke kwindawo kunye nohlobo lwe-akhawunti. Kuyacetyiswa ukuba uphande iimfuno kunye neenkqubo kwangaphambili kwaye uqinisekise ukuba unawo onke amaxwebhu afunekayo kunye nolwazi ngaphambi kokutyelela naliphi na isebe.
Njengomphambukeli, unokuvula iakhawunti ngeZiraat Bankası, kodwa inkqubo inokuba nzima ngakumbi kwaye kunokubakho iimfuno ezithile kunye nezithintelo.
Njengomphambukeli, unokuvula iakhawunti ngeZiraat Bankası ngokulandela la manyathelo:
- Khetha uhlobo lweakhawunti: Njengoko bekutshiwo ngaphambili, iZiraat Bankası inikezela ngeentlobo ezahlukeneyo zeeakhawunti. Khetha uhlobo lweakhawunti olulungela iimfuno zakho.
- Ndwendwela isebe: Ungavula iakhawunti ngeZiraat Bankası ngokundwendwela isebe lebhanki. Yiza nawo onke amaxwebhu afunekayo afana nesazisi, ubungqina bedilesi kunye nezaphulelo zokuhlawula.
- Gcwalisa ifom yesicelo: Ukuba ukwisebe, uya kucelwa ukuba ugcwalise iphetshana lesicelo. Qinisekisa ukuba zonke iinkcukacha zichanekile kwaye zizalisekile phambi kokuba usayine ifomu.
- Zazise: Ukuze uqinisekise ubuwena, uya kucelwa ukuba uveze isazisi esisebenzayo kunye nephepha-mvume lokuhlala.
- Idiphozithi: Emva kokuba i-akhawunti yakho ivuliwe, kufuneka wenze idiphozithi encinci kwiakhawunti yakho.
- Ukuqaliswa: Uya kufumana umyalezo owamkelekileyo kunye nolwazi lokuvula iakhawunti yakho.
Kubalulekile ukuba uqaphele ukuba iimfuno kunye neenkqubo zokuvula i-akhawunti kunye ne-Ziraat Bankası njengomphambukeli unokwahluka kwilizwe ukuya kwelinye. Kuyacetyiswa ukuba uphande iimfuno kunye neenkqubo kwangaphambili kwaye uqinisekise ukuba unawo onke amaxwebhu afunekayo kunye nolwazi ngaphambi kokutyelela naliphi na isebe. Kukwangumbono olungileyo ukujonga nebhanki yakho ukuze uqiniseke ukuba ulandela onke amanyathelo ayimfuneko ukuze uvule iakhawunti.
I-Ziraat Bankası ibonelela ngamathuba otyalo-mali ahlukeneyo kubaxumi bayo, kubandakanya:
- Idiphozithi yexesha elimiselweyo: Indlela ekhuselekileyo nelula yokutyala imali apho ufumana inzala emiselweyo ngexesha elithile.
- Izabelo zamashishini ezingenanzala emisiweyo: Tyala imali kwizabelo zamashishini zaseTurkey nakwamanye amazwe ukuze uzuze kuxabiso olunokwenzeka kunye nezabelo.
- Iibhondi: Tyala imali kurhulumente kunye neebhondi zeshishini ukuze uthathe inzuzo yentlawulo yenzala rhoqo.
- Inkxaso-mali: Tyala kwiingxowa-mali ezahlukeneyo ezilawulwa ngabaphathi beengxowa-mali abanamava ukuze kuxutywe iipotfoliyo ezibanzi.
- Izindlu ezithengiswayo: Tyala imali kwizindlu nomhlaba ukuze uzuze kuxabiso kunye nomvuzo wokurenta.
- Iintsimbi ezixabisekileyo: Tyala imali kwiintsimbi ezixabisekileyo ezifana negolide kunye nesilivere ukuze uxhamle kuxabiso kunye nokwahluka kweepotifoliyo zakho.
Kubalulekile ukuqaphela ukuba utyalo-mali ngalunye luza nemingcipheko yalo kunye nembuyekezo enokubakho, ngoko ke kubalulekile ukuqwalasela ngononophelo iprofayili yomngcipheko/yomvuzo walo naluphi na utyalo-mali phambi kotyalo-mali. Kukwacetyiswa ukuba udibane nomcebisi wezezimali ukuze akuncede ubone esona sicwangciso silungileyo sotyalo-mali.
I-Ziraat Bankası inikezela ngeendlela ezininzi zokubhanka kwi-intanethi, amasebe kunye nee-ATM:
- UkuBhankisha kwi-Intanethi: I-Ziraat Bankası ibonelela ngeqonga lebhanki elibanzi kwi-Intanethi apho abathengi banokulawula iiakhawunti zabo, benze udluliselo, bafake izicelo mboleko kunye nokunye.
- Amasebe: Ibhanki inamasebe amaninzi kwilizwe lonke apho abathengi banokuthetha buqu nabasebenzi bebhanki kwaye bafumane iinkonzo.
- Ii-ATM: I-Ziraat Bankası inothungelwano olubanzi lwee-ATM kwilizwe lonke apho abathengi banokukhupha imali, benze iidiphozithi kwaye bajonge ulwazi lweakhawunti.
- Ibhanki ephathwayo: I-Ziraat Bankası ikwabonelela ngezicelo zebhanki eziphathwayo kubathengi, ebavumela ukuba balawule iiakhawunti zabo kwizixhobo zabo eziphathwayo.
- UkuBhankisha ngomnxeba: I-Ziraat Bankası ikwabonelela ngenkonzo yebhanki yomnxeba apho abathengi banokulawula iiakhawunti zabo kwaye bafumane iinkonzo ngefowuni.
- Intlawulo engaQhagamshelwanga: I-Ziraat Bankası iphinde yazisa intlawulo yonxibelelwano, apho abathengi banokubamba amakhadi abo phezulu kwi-terminal ukwenza iintlawulo.
- I-Chat Banking: Ibhanki nayo iqalise inkonzo yebhanki yengxoxo, apho abathengi banokuxoxa ngezinto ezibaxhalabisayo kunye nomsebenzi ngokusebenzisa ijelo lengxoxo.
I-Ziraat Bankası-yeyona bhanki inkulu yaseTurkey yeenkonzo zebhanki ezikwi-intanethi kunye ne-intanethi
Ngokubanzi, iZiraat Bankası ibonelela ngoluhlu olubanzi lweenkonzo ze-intanethi kunye ne-intanethi kubathengi bayo ukubanika ukufikelela ngokulula nangokufanelekileyo kwiimali zabo. Abathengi banokulawula iiakhawunti zabo kwi-intanethi okanye kwisebe, bakhuphe okanye bafake imali, benze ukudluliselwa kunye nokunye.
IZiraat Bankası yeyona bhanki inkulu yaseTurkey kwaye yenye yezona bhanki zindala neziphumeleleyo kweli lizwe. Eyasungulwa kwi-1863, ibhanki inembali ende kwaye ibe ngumdlali obalulekileyo kwishishini lezemali laseTurkey.
Ibhanki inikezela ngoluhlu olubanzi lweenkonzo zokuthengisa kunye neenkampani, kubandakanywa iimali-mboleko, iidiphozithi, ibhanki ye-intanethi kunye neenkonzo zotyalo-mali. I-Ziraat Bankası ikwanobukho obuqinileyo phesheya, kunye nee-subsidiaries kunye neeofisi zabameli kumazwe aliqela.
Enye yezona ndawo zibalulekileyo zeshishini lebhanki lezolimo. Ibhanki igxile kwimali-mboleko yezolimo kunye nokuxhasa ngemali iifama. Ikwaxhasa uphuhliso lwezolimo lwaseTurkey ngokutyala imali kwiiprojekthi zezolimo kunye nokukhuthaza ubugcisa obuphambili kunye nezenzo.
Enye indawo yoshishino ebalulekileyo yebhanki lukhenketho. UZiraat Bankası ngumboneleli-mali ohamba phambili kwishishini lezokhenketho laseTurkey kwaye uxhasa uphuhliso lwe Hotels, iindawo zokutyela kunye nezinye izibonelelo zabakhenkethi.
Ibhanki nayo inobukho obuqinileyo kwishishini labathengi kwaye inika izisombululo zemali kwiinkampani zabo bonke ubukhulu kunye namashishini. Oku kubandakanya iimali-mboleko, ukuqeshisa, ukubala kunye nezinye izixhobo zenkxaso-mali.
I-Ziraat Bankası ikwatyala imali eninzi kwiibhanki ezithengisayo kunye nolawulo lobutyebi ukunika uluhlu olubanzi lweemveliso kunye neenkonzo ukuhlangabezana neemfuno kunye neenjongo zabathengi.
Inxalenye ebalulekileyo yemodeli yoshishino yebhanki kukusetyenziswa kweteknoloji ukuphucula iinkonzo kunye nokubonelela lula kubathengi. Kwiminyaka yakutshanje, uZiraat Bankası utyale imali kwizisombululo zedijithali, kubandakanya ibhanki ye-intanethi kunye neselula, ukwenza abathengi bakwazi ukulawula iimali zabo nanini na, naphi na.
Ibhanki nayo inesiseko esomeleleyo semali kunye neprofayili eqinileyo yezemali. UZiraat Bankası ukwanobukho obuqinileyo kwishishini lamazwe aphesheya kunye neeofisi kumazwe aliqela kubandakanya iJamani, iRussia, iChina kunye neUnited States. Ikwabonelela ngeenkonzo ezinjengeemali ezithunyelwa kumazwe ngamazwe, iintengiselwano zotshintshiselwano lwamazwe angaphandle, kunye nenkxaso-mali yorhwebo, inika abathengi bayo ukufikelela ngokulula kwiimarike zamazwe ngamazwe.
Enye indawo yoshishino ebalulekileyo yebhanki kukuxhaswa ngemali kweeprojekthi zeziseko zophuhliso. Le bhanki igxile kakhulu ekuxhaseni ngemali iiprojekthi zeziseko ezingundoqo zoluntu, eziquka iindlela, iibhulorho, oololiwe kunye neziko lombane.
U-Ziraat Bankası ukwanengqondo eqinileyo yoxanduva loluntu kwaye ubandakanyeka kwiiprojekthi ezahlukeneyo zentlalo nenkcubeko kwilizwe liphela. Ukwaxhasa iinkqubo zemfundo kunye nezempilo kwaye usebenza ngokusondeleyo noluntu lwasekuhlaleni kunye nemibutho engenzi nzuzo.
Ibhanki nayo inenkcubeko eqinileyo yokuthobela kwaye izama ukuthobela yonke imithetho esebenzayo kunye nemimiselo. Ikwaphumeza inkqubo ebanzi yolawulo lwangaphakathi kunye nolawulo lomngcipheko ukuqinisekisa ukuba ishishini liqhutywa ngendlela ekhuselekileyo nenoxanduva.
Ngokubanzi, iZiraat Bankası inikezela abathengi bayo uluhlu olubanzi lweenkonzo kwaye izenzele njengeqabane elithembekileyo nelithembekileyo kwishishini lezemali laseTurkey. Ngobukho bayo obuqinileyo basekhaya nakwamanye amazwe, uluhlu olubanzi lweemveliso kunye neenkonzo, kunye nokuzibophelela kuxanduva loluntu kunye nophuhliso oluzinzileyo, iZiraat Bankası ikwimeko entle yokuqhubeka nokusebenzela abathengi bayo kwiminyaka ezayo.
Nanga amanye amacebiso kunye neengcebiso kwiibhanki zaseTurkey:
- Thelekisa izibonelelo ezivela kwiibhanki ezahlukeneyo ngaphambi kokuba ukhethe enye. Thelekisa inzala, imirhumo kunye neenkonzo ezibonelelwayo ukuqinisekisa ukuba ukhetha eyona ndlela ilungileyo kwiimfuno zakho.
- Fumana malunga nemimiselo kunye neemfuno zokuvula i-akhawunti. Qinisekisa ukuba unawo onke amaphepha afunekayo kunye namaxwebhu alungile phambi kokuvula i-akhawunti.
- Sebenzisa ibhanki ye-intanethi kunye neenkonzo zebhanki eziphathwayo ezinikezelwa ziibhanki zaseTurkey. Oku kukuvumela ukuba ulawule iimali zakho naphi na, nangaliphi na ixesha.
- Qaphela xa usebenzisa ii-ATM, ngakumbi kwiindawo zabakhenkethi. Ngalo lonke ixesha khangela ukuba umatshini usemthethweni kwaye uwusebenzise kuphela ukuba usetyenziswa yibhanki ethembekileyo.
- Fumana malunga namathuba otyalo-mali ahlukeneyo anikezelwa ziibhanki zaseTurkey. Khetha isicwangciso sotyalo-mali esihambelana neemfuno kunye neenjongo zakho.
- Lumka xa uphethe iinkcukacha ezibuthathaka zemali. Sebenzisa amagama ayimfihlo anamandla kwaye ukhusele iiakhawunti zakho ekufikeleleni okungagunyaziswanga.
- Sebenzisa iinkonzo zabacebisi bezemali ezinikezelwa ziibhanki zaseTurkey. Banokukunceda ukuba ulawule kakuhle imali yakho kwaye bakuncede uphumeze isicwangciso sakho sotyalo-mali.
- Fumana malunga namanyathelo okhuseleko athathwa ziibhanki zaseTurkey ukukhusela imali yakho kunye nolwazi lomntu. Qinisekisa ukuba ibhanki ikufundisa malunga neengozi zobuqhophololo kunye nokhuseleko olunokwenzeka.
- Sebenzisa iinkonzo ze-inshurensi ezibonelelwa ziibhanki zaseTurkey. Ezi zinokukunceda ukukhusela iimali zakho xa kukho ingozi okanye unxunguphalo.
- Fumana malunga nemirhumo ehlawulwa ziibhanki zaseTurkey ngeenkonzo zabo. Ezinye iibhanki zinemirhumo ephezulu yeenkonzo ezithile, ezifana nokudluliselwa kwamanye amazwe okanye ukutsalwa kwemali kwii-ATM zangaphandle. Thelekisa imirhumo ukuze uqiniseke ukuba ukhetha eyona ndlela inexabiso eliphantsi.
- Thatha ithuba lamathuba obonelelwa ziibhanki zaseTurkey ukulawula iimali zakho kunye notyalo-mali kwihlabathi liphela. Iibhanki ezininzi zaseTurkey zineenkxaso-mali kumazwe angaphandle kwaye zinika abathengi babo ithuba lokuvula iiakhawunti zamazwe ngamazwe kunye nokulawula iimali zabo kwihlabathi jikelele.
- Lumka xa usebenzisana namakhadi etyala akhutshwe ziibhanki zaseTurkey. Qinisekisa ukuba uyayiqonda imigaqo kunye neemeko zekhadi lekhredithi kwaye ugweme ukudlula umda wakho wekhredithi ukuze ugweme iintlawulo eziphezulu kunye nefuthe elibi kumanqaku akho ekhredithi.
- Thatha ithuba lamathuba abonelelwa ziibhanki zaseTurkey kwi-intanethi kunye nebhanki ephathwayo kwaye uthathe ithuba lokunikezela njengezaziso zeSMS okanye utyikityo lweselfowuni ukulawula imali yakho ngokukhuselekileyo.
- Fumana malunga neentengiso kunye neenkonzo zeebhanki zaseTurkey kumashishini amancinci naphakathi. Ezinye iibhanki zinezibonelelo ezikhethekileyo kunye neenkonzo zee-SME, ezinje ngemali-mboleko, inkxaso-mali kunye neengcebiso.
- Thatha ithuba lamathuba abonelelwa ziibhanki zaseTurkey kwi-intanethi kunye nebhanki ephathwayo kwaye uthathe ithuba lokunikezela njengezaziso zeSMS okanye utyikityo lweselfowuni ukulawula ngokukhuselekileyo imali yakho.
Kubalulekile ukuqonda izibonelelo ezahlukeneyo kunye neenkonzo ezinikezelwa ngamabhanki aseTurkey, kwaye kubalulekile ukuthelekisa izibonelelo ezivela kwiibhanki ezahlukeneyo ukwenzela ukuba wenze ukhetho olufanelekileyo kwiimfuno zakho. Okubaluleke ngokufanayo kukwazi imigaqo kunye neemfuno zokuvula i-akhawunti, kunye nokuqonda iminikelo yebhanki ye-intanethi kunye neselula eya kwenza kube lula kuwe ukulawula imali yakho. Kukwabubulumko ukusebenzisa indlela yotyalo-mali elungeleleneyo neyantlukwano ukuze unciphise umngcipheko nokwandisa amathuba embuyekezo, kunye nokuthabatha i-inshorensi yokukhusela imali yakho kwimeko yengozi okanye yonxunguphalo.
Qaphela: Ulwazi olunikezelweyo kwiwebhusayithi yethu lwenzelwe iinjongo zolwazi ngokubanzi kuphela kwaye alubandakanyi iingcebiso okanye iingcebiso malunga nezigqibo zemali. Asithatheli xanduva ngokuchaneka, ukugqibelela okanye ukufika ngexesha kolwazi olunikiweyo. Nceda usoloko ufuna ingcebiso kumcebisi wezemali oqeqeshiweyo phambi kokuba wenze naziphi na izigqibo zemali.
