"Ukukhula Bank": ncomo. Mboleko, iidiphozithi, amasebe

Izwe lethu inani elikhulu yeebhanki - ezinkulu kakhulu nezincinane kakhulu, kancinane-yaziwa. Nangona kunjalo, ixabiso ayisoloko sisalathisi ngcono ubulunga benkonzo, ukukhuphisana bid kunye iimeko, nangona ngaphandle ngozi. Abantu abaninzi, xa isigqibo phezu ukukhetha iziko lamatyala, ilawulwa yi "igama" layo, loo nto iyaziwa. Nangona kunjalo, le ndlela engcono. Phambi kokuba ube umthengi webhanki, kufuneka balujongisise ngenyameko zonke bokuqonda ukusebenza kunye naye, ukuze simazi rating, ukufunda nohlolo abo bathe basebenzisa iinkonzo zayo. Kweli nqaku, sicebisa ukuba uwazi umbutho "Growth Bank". Ukuphononongwa, ukukala, ngokwemiqathango mboleko kunye needipozithi, kwakunye nezinye iinkcukacha ezibalulekileyo engaba umxumi, ziza kuqwalaselwa zaze zahlolwa nokungeniswa kwayo. Ngenxa yoko, siyaqala ukuba simazi.

On the bank: imbali

OJSC "Bank of Growth" kuzisa ibali iibhanki amabini, nto leyo akhiwa ngokuhlanganisa umbutho omtsha ngetyala enegama elifanayo. Ekuqaleni, kwakukho ibhanki "Kazan ', esebenze emarikeni ukususela ngo-1994. Yiloo xa igalelo yokuqala wadala ukwahlulwa zebhanki ngemiyinge yavulwa oko. Xa kuvulwa eyinkunzi ogunyazisiweyo inkampani yaba engange kuphela 100 amawaka, yaye ngemini ukulawula iye busisigxina engange 1,675 billion.

Ukutyhubela iminyaka, ibhanki waba ibe yinkampani imfuyo joint imihla ziphuhliswe, ukwandisa impahla yayo, zandiswa womnatha kwamasebe kunye neeofisi lonke elo lizwe. Wayecinga indima "umzali", ukuthimba into joint-stock ibhange "Growth" ngoJuni 2013, ngelo xesha eligunyazisiweyo capital mali ka-2.375 billion engange kunye 30 billion engange-asethi. Esi siganeko iye ebaluleke kakhulu kubomi yezimali zeli lizwe - kwasekwa enamandla ngenene, uzinzo inkulu kunye namaziko wetyala kuthungelwano isebe ebanzi kunye nokusebenza kwemali umxhelo.

Bank namhlanje

iziko Credit "Bank Growth" usebenza phantsi mvume jikelele Bank of Russia kwi wonke ummandla weli lizwe kunye indawo kwi-ofisi eyintloko e-eMoscow. isici sayo lisahlulayo sisicwangciso endala elifanelekileyo ezinxulumene nomsebenzi kuphela kuqoqosho yokwenene kunye mthombo womvuzo bezisoloko yaye uhlala nokungeniswa amashishini kwicandelo, ngokunjalo neenkonzo. Kunye nokuhlanganiswa zakutshanje eyinkunzi kunye nempahla ye-Bank anda amathuba ayo mali kunye nokubonelela mboleko. Ngokutsho kwingxelo ngumbutho ngetyala ixabiso yayo ephambili iimfuno kunye neemfuno nabathengi, kwaye bonke ubuhlobo zisekelwe kwintsebenziswano ixesha elide. A inzuzo ebalulekileyo, yaye iqhayiya kukuthembeka, bungqinelwa kule minyaka.

Umntana iphambili ibhanki ngoku kumi Elena vlasova (ngowe-2012 fumene isambuku izabelo "Kazan '), elingumnini nama-50,5% ezabelo. Ezinye inxalenye enkulu ezandleni ezinye shareholders ezine - Anatoliya Zolotyh kunye Valentina Aleksashin (malunga ne-16.6%), Elena Tarasova kunye Elena Kossovo (8% ngamnye). UMongameli kweebhanki artem Henkin, kunye nosihlalo we ebhodi yabalawuli - Vsevolod Morozov.

"Ukukhula yebhanki" ligcina ubudlelwane kumnxulumanisi ezinkulu Russian ( "Rosbank", "Uralsib") kunye amazwe (Commerzbank, Dautsche Bank, VTB Bank, kunye nabanye.) Amaziko Credit. Yena lilungu Association of Banks Russian, Moscow nemibutho yamazwe ngamazwe engokwezimali inxaxheba nokurhweba yonaniso lwangaphandle lemarike ZAO "MICEX Stock Exchange" kunye OAO "eMoscow Exchange".

Indawo nezilinganiso ibhanki leyo

Namhlanje JSC "Ukukhula ibhange" na imibutho credit Russian enkulu TOP-100. Oku isiqinisekiso ebaluleke kakhulu ukuthembeka ubungqina besikhundla ibhanki ukuba ukuhlangabezana neemfuno nabathengi 'kwiinkonzo zemali kunye namatyala. Ekungeneni lombutho kolu luhlu ngenxa eziliqela imigaqo imisebenzi yayo imihla ngemihla:

• imigaqo-mali abolekise ngokwanelisayo endala;
• ukusebenza ngokuyintloko ne zomnotho;
• ukuhlanganiswa kwendlela ngamnye ezintsha kwinkonzo abathengi;
• Ukufumaneka kweemveliso ebhankini kunye neenkonzo;
• ngokuphandle ukuba amahlakani kunye nabaxhasi;
• uhlolo lomngcipheko abanobuchule.

Namhlanje, sinako ukubona iportfolio mboleko ezaneleyo nomgangatho ezilungileyo, nto leyo ngenxa ukuthobela le migaqo obuchule enziwe ngexesha iminyaka ubukho bayo, "Bank of Growth." lokunikeza eyabelwe yona yi-arhente "Expert RA" ngowe-2014, iye yaphuculwa "A +" (ophezulu kakhulu) ukuya 'asakhasayo "Outlook. Ngokutsho Standard & Poor ukuba uqikelelo ibhanki wafumana ireyithingi ixesha elide credit ka 'B' elifutshane elithi "C" kunye ngumlomo "isitali". Zombini arhente waveza malunga nomgangatho kwisikhundla ngetyala yombutho kakuhle, ecinga kakhulu ngokwaneleyo. Oku kunika isizathu sokukholelwa ukuba umbutho uzinzile yaye uthembe imali yakhe kangangoko kunokwenzeka. Abaninzi yenza iminikelo okanye mboleko ukwenza ngaphandle emasebeni KO "Growing Bank". Iingcali Ukubuyekezwa kwangaphambili nophuhliso ngcembe yaye nangocwangco lombutho nokomelezwa kwizithuba yemarike zezimali.

Okubangel 'umdla kukuba, ibhange indawo yayo ebekekileyo kwimimandla. Ngenxa yoko, isebe walo mbutho "Bank of Growth" (Rostov-on-Don) iphumelele indawo yokuqala kukhuphiswano egcinwe yi Fund Isiqinisekiso lommandla Rostov. Yena yabanjwa ngoAgasti 2013 kwaye iye yanxulunyaniswa ngokunikwa iziqinisekiso mali kwimali-mboleko kumashishini amancinane kunye naphakathi. rates Uqikelelo inzala, imiqathango kunye nokuthembeka imibutho ngokwabo. Usindiso isivumelwano semali engange nezigidi ezingama-20, ezafumana i "Bank Growth" (Rostov-on-Don) ukuba noboleka kwicandelo lokwenene.

iinkonzo Bank

Njengezininzi lamaziko ngetyala, iBhanki inika nabathengi uluhlu olupheleleyo lweenkonzo standard zemali. Ufumana "Bank of Growth" iidipozithi, unika mboleko kwiiklayenti zabucala kunye corporate, amashishini amancinci naphakathi, inika ulawulo lwemali kunye neenkonzo elugcinweni, inikeza iziqinisekiso, ukusebenza kunye iileta ngetyala, umvuzo ephambili kunye nezinye iiprojekthi. uluhlu lwabo ngokupheleleyo qatha. Abanye babo uqhaqho yonke indawo kwilizwe lethu elikhulu, ezinye iinkonzo ezithile zikhutshwa kuphela "Growing Bank" -Moscow (umzekelo, ezinxulumene ozalwa yokubolekisa).

Uninzi umdla na inani elikhulu iimeko zabemi yesibambiso kunye namathuba yokubolekisa. Oko kubo sihleli.

Iminikelo: Iintlobo kunye neemeko

Elula lula - zonke iindlela ezibalulekileyo iimveliso, ezenziwa "Bank of Growth." Iminikelo - ubungqina oku. Lo mbutho credit, kukho iindidi ezimbini eziphambili investment abaxhasi zabucala. It amazinga "ukukhula ezamahala" yaye "ukukhula ubuninzi." Makhe siqwalasele iimeko ngamnye kubo.

free

Eyokuqala luhlobo isipaji ku "ithontsi" ngenzala yakhe. Kuthetha ukuthini? Le idiphozithi wavula kwimfuno, ukurhoxiswa aluchaphazeli izinga lenzala. Ukuze uhlaziye i-akhawunti, ngokunjalo ukwenza notsalo, nangaliphi na ixesha. Intsalela lincinane fixed (amawaka 10) kunye nenzala - eliphezulu ngokwaneleyo ukuze lifake neemeko ezinjalo. Inani eliphezulu eli zinga - 30 million engange, okanye izigidi zeerandi (oko akuthethi ukunciphisa amathuba abaxhasi). Idiphozithi elide - ukusuka kwiinyanga ezintathu ukuya kunyaka omnye kunye khetho ukuba bahlaziye ikhontrakthi. Ipesenti - lilinganiselwe yaye uzimisele ngokuxhomekeke elide imali yentlawulo phantsi (i 9.2%).

eliphezulu

Ukuba ngaba uceba ukurhoxisa imali ngekota yedipozithi, bekuya kuba kuluncedo ukusebenzisa igalelo "ukukhula ubuninzi." Ngokutsho bank umrhumo inikeza amazinga enzala engcono capitalisation zabo. Ukongezelela, kukho iimeko zivuma ukupheliswa kwexesha lesivumelwano. Ngokufanayo wangaphambili, lo mnikelo nabo bangazalisa phezulu ngexesha semthethweni. Njengoko ngomdla wabo bafikelele 10.5% in engange kunye 4.5% yamanye amazwe. Kukho umahluko kakhulu kwiimali kunye nexesha. Ngoko ke, igalelo ubuncinane osezantsi kwi-3000 engange, kwaye ixesha negalelo sandisiwe ukusuka kwinyanga enye ukuya kwiminyaka emithathu.

Le sayithi ibhanki calculator imidlalo, apho wonke umntu uyakwazi ukubala ipesenti sedipozithi, ngokuxhomekeke kwisixa okucwangcisiweyo kota. Ukongeza, abagcinisa ibhanki-mali kubonelelwa ngamathuba inkonzo ngamnye phambili. Eyokuqala inikezelwa ngokutyala udibaniso nezigidi ezi-4,5 engange kwaye ibandakanya iimeko ezizodwa iinkonzo zebhanki, umphathi zobuqu, ii-ofisi VIP njalo njalo. Okwesibini - xa igalelo kwi-mali ka-1.5 million engange. Kuzo zombini ezi meko, umxhasi ufumana ezininzi ngeenzuzo ezintle kakhulu.

Loans: cash

abaxhasi Private "Bank Growth" inikeza mboleko kwi isixa esikhulu kunene - up to engange kwezigidi ezibini. Izizathu ukuba akhuphe mboleko apha akhiwa abasebenzi mbutho kwaye luboniswe amagama amane:

• akukho ntlawulo ezifihlakeleyo - ukunyaniseka;
• amazinga aphantsi kakhulu inzala - inzuzo;
• ngokukhawuleza - ngesicelo sigqibo siya kuthathwa zingadlulanga iintsuku ezimbini;
• nje - iipakeji maxwebhu zigcinwe ubuncinane (efunekayo kuphela yokundwendwela).

Kuphantsi kweziphi iimeko bangalindela kubaboleki ezinokwenzeka ebhankini? Njengoko kukhankanyiwe ngasentla, imali-mboleko obukhulu kwezigidi ezibini engange, ubuncinane - 30 amawaka. Le mali zingasetyenziswa iminyaka emihlanu (okanye umvuzo kunye iinyanga ezintandathu). Kuyenzeka ukuba intlawulo yokuqala ngaphandle zonke izithintelo. Eyona umdla - ipesenteji. It ingafakwa kumyinge we-17%, nto leyo lingaphantsi kunolo iimveliso efanayo kwezinye kwiibhanki ezininzi. Iintlawulo Annuity, kwaye umhla wokuphunyezwa ukhetha ngokwakho.

Nemigomo ukuqonda. Ngoku kufuneka siqonde indlela ibhanki obona obolekayo yayo. iimfuno standard - yobudala engama-20 ukuya kuma-65, ubukho amava umsebenzi ubuncinane iinyanga ezintathu, kukhethwa ubungqina declarative bengeniso (kwenyusa amathuba yokuvunywa lwamatyala kunye nokufumana imali enkulu yemali-mboleko).

Auto Loans

Uhlobo ngaphambili onokuthenga kwabo uceba ukusebenzisa le mali ngeenjongo zobuqu okanye indlu, ezifana ukuba ngotyelelo elwandle okanye ukulungisa. Ukuba iphupha lakho imoto entsha kraca, kungcono ukusebenzisa imveliso ekhethekileyo. I-mboleko moto nomtsalane, ihonjiswe kwi "Growing Bank"? Ukuphonononga kwabamnini beepropati iimoto, ukusebenzisa le nkonzo, ukuchaza iimeko eqaqambileyo kakhulu amalungiselelo ayo. Okokuqala, lo iphakheji isezantsi yamaxwebhu (iyafuneka kuphela ipasipoti isicelo form) kunye nethuba lokwenza isicelo ngaphandle bekutyelelo ebhankini. Okwesibini, libya-inzala - ukusuka-8.9% xa kungekho ezinye iimali. Isixa apho ungalindela engange ukuya kwizigidi ezili-10, yaye eli gama inatyiselwa kwiminyaka 7! Kulo mzekelo, nokuqwalaselwa isicelo awutsali ngaphezu ezimbini iiyure, ngakumbi kufutshane umboleki lokuthenga athandwayo.

Ukuze sizuze-mboleko, kufuneka amalungiselelo inshorensi yomntu (kwizigaba ezintathu), babe ngabemi Russian, kwaye ukuya kutsho kwiminyaka engama-55. Kuba le mveliso zingathengwa nezithuthi ezikhulu zezorhwebo kunye nezixhobo ezizodwa.

mortgages ezifikelelekayo

Namhlanje, kukho iinkqubo eziliqela umdla yokuthenga izindlu, nto leyo inika "ukukhula ebhankini." Mortgage, ihonjiswe kwiziko lamatyala, ezi khrayitheriya zilandelayo:

• lula;
• ufikelelo;
• lula.

Ababoleka aceba ukuthenga indlu kwi mortgage ukuze bafaneleke ukuba izinga 8.5% ngonyaka. Kwi zezindlu efanayo izakhiwo ezintsha ngaphandle 100% isavenge wenze intlawulo phantsi. Ngenxa yoko, ukuba bavunyelwe ukusebenzisa capital ngosana. In "Growing Bank" bayamenywa kubaboleki ukuba bathathe inxaxheba kwinkqubo yenkxaso karhulumente, phakathi kwabo - "abaphandi Young", "Military Waptrick" kunye nabanye. Unako ukuthatha mortgage kwiinkqubo AHML. Nayiphi transaction ukuba enomnqweno sikhatshwe ngumphathi mboleko zobuqu.

Ukusebenzisa ikhalityhuleyitha okhethekileyo kwi-website ye ebhankini, kulula ukubala uqikelelo lweendleko ezinxulumene processing mboleko kwangaphambili, kwakunye bafunde iintlawulo zenyanga loqikelelo ngokuxhomekeke kwikota kunye nemali-mboleko. Ngokomzekelo, amboleke omnye kweenkqubo ethandwa - "Abathengisi". Xa ixabiso lentengo engange-4 million, kwaye intlawulo yokuqala ye-30% yesixa ebolekiweyo mali ixabise kwizigidi 2.8 engange. Singena ikhalityhuleyitha i data, kwakunye ingeniso yenyanga usapho epheleleyo - umzekelo, 80 amawaka engange. Ukuba amalungiselelo mortgage kangangeminyaka engama-20, umlinganiselo iya kuba 13.35%, kwaye intlawulo yenyanga - 33,5 amawaka. Ukuba sisebenzisa kulo mzekelo, inkqubo karhulumente AHML, le mboleko lenzala kuya kuncipha kwi 11,85%, kwaye intlawulo lancitshiswa-30 500. Ukutshintsha idatha yoqobo, ungakhetha ngokwabo amagama afanelekileyo ngetyala.

amakhadi Credit: Iimpawu

Nguwuphi ibhanki ngoku usasaza ngamakhadi ngeplastiki? Akanakufane enze into enjalo. "Ukukhula Bank kananjalo izinto zayo umdla kule ingxenye. kukhutshwa amakhadi debit, ngenxa yenkqubo olucacileyo yebhanki. Noko ke, banalo iingenelo umdla. Ngoko, intsalela mali kwikhadi uya kongezeleka inzala kumyinge ka-2-4% ngenyanga nganye. Hlawula kuyo ukuba phantse naphi na ehlabathini, kwaye ukuguqulwa kwemali okwenziwa indlela inzuzo - ngesantya inkqubo yentlawulo yelizwe.

Amakhadi ziyafumaneka kwi iindidi ezahlukeneyo - ukusuka Electron ukuba ubuncinane Platinum kunye Infinite, zibe ezinamagama, kodwa kwakhona ukunika amathuba izaphulelo iirenti imoto kunye Ugcino ihotele (kwisikhokelo inkqubo elikhethekileyo amalungelo). Ngoncedo kubo ungenza ukuthenga kwi-intanethi, ukuhlawula iinkonzo mobile kwaye esisigxina unxibelelwano, ababoneleli-nkonzo Internet, kumabonwakude yaye njalo njalo. umbutho Credit "Growing Bank"-ATM uye phambi kuyo yonke imizi. Ngaphezu koko, ukuba nizikhwebule imali evela kwi "ekhethekileyo" Commission (0.8%) lunokufumaneka AVM ibhanki "UralSib".

ingcaciso eluncedo abathengi

Ukuza kuthi ga ngoku, "Ukukhula Bank" liye amasebe 74 emizini Russia, kodwa uyaqhubeka ukwakha ngokubonakalyo uthungelwano kwamasebe kunye ofisi kwiinqila. Fumana iingcebiso zeengcali kwaye ube umxhasi yeziko lamatyala ungummi Russian abahlala kuyo nayiphi na indawo.

Ukuze ufumane inkcazelo eneenkcukacha malunga neemveliso ibhanki leyo, iinkonzo kunye neentshukumo zayo zemali, kukho ngumbutho "Growing website esemthethweni Bank ', nto leyo libekwe ku www.rostbank.ru. Ifike ecwebezelayo, uyilo owayephila kodwa eyahlukileyo kakhulu ukusuka izibonelelo namanye amaziko amatyala. Apha ungafumana ulwazi malunga yebhanki: ulwazi malunga ngembali lisekiwe kwaza nokusebenza, funda Ukulinganiswa arhente ezahlukeneyo, iinkcukacha zemali, funda malunga neemveliso yibhanki kunye neemeko ulungiselelo lwabo, ukusebenzisa izibali iidiphozithi mboleko, nokufumana ezinye iinkcukacha malunga JSC "Bank Growth "(data yobuqu, abafowunelwa, amaqabane, njalo njalo.). Kwakhona kwi kwindawo iziko lamatyala kwikona ephezulu ekhohlo kukho unxibelelwano kwi-Bank Internet ( "Kiberbank"), apho unako ukungena kwi-akhawunti yakho ukujonga akhawunti okanye wenze nayiphi na imicimbi yemali.

Kuba unxibelelwano lwentsebenziswano kunye neengcali KO "Growing Bank" inombolo yomnxeba afumaneka kwi ndawo iphambili phezulu wesiza. Elisebenza ngomnxeba nelaziwa ngokuba iminxeba free - 8 (800) 250-88-88, ngentsebenziswano kunye neminikelo efumanekayo imeyili - post@rostbank.ru. indawo City of-ofisi ephambili inkampani "Growth Bank" - Moscow. Wonke kummandla eMoscow baba lishumi - eyodwa kunye elinambini ngaphezulu. Kwi website "Ukukhula idilesi ye-ofisi i-Bank 'bommandla okuwo zingafumaneka ngokuya kwikona ephezulu ngasekunene nendawo zawo ukuvula i tab" Qhagamshelana ". Apha uyakwazi ukufumana inani yasekuhlaleni isebe lebhanki. I-ofisi kazwelonke ise eMoscow ku Stanislavsky Street 4/1.

Ukujonga evela abathengi ngaphandle

Kakade ke, ibhanki nganye zombini nabathengi sinombulelo kwaye akanelisekanga kunangaphambili. Okwangoku, okurhafisa Abantu ngayo KO "Growing Bank" yi 50,4% ukususela 100%. Oku ngokuqinisekileyo hayi uphawu olukhulu, kodwa okulungileyo. Ngokusekelwe ncomo 28 nezilinganiso 13 yebhanki namhlanje ibekwe 17 ngaphandle kwe-225 (njengako site banki.ru)! Le meko okhuthazekileyo uthetha umsebenzi ngempumelelo kakhulu iziko lamatyala, iingcali inkonzo ingqalelo kunye nomgangatho ophezulu wenkonzo.

Ukuze malunga ukucinga ngaphezu anelisekile, nokuba abathengi ibhanki baye bakhalaza, funda ezinye izimvo kushiywa ngabo. Kwizixeko ezininzi (Kazan, Vladimir, Nizhny Novgorod kunye nabanye.) Iindwendwe phawula kube mnandi kwelo gumbi, inkonzo ingqalelo kunye nomdla ekucombululeni iingxaki leengcali. Kodwa omnye umxumi KO "Bank Growth" (Rostov-on-Don), isicelo igalelo apha, wathi iimeko iidiphozithi ziphakathi ilungileyo phakathi komzi, abasebenzi ofisi abanobuchule ngentlonelo kunene, nice. Kuphela ethile, nto leyo izisa ngokuphazamisa kubathengi - kweli isebe kuphela, yaye ngokubanzi, zonke ibhanki ngathi. Nale mbono bayavuma kunye nezinye iinkonzo ze ebhankini, ngubani isekwaqaphele inzala umdla mboleko. Kodwa Ndingumhlali wase St. Petersburg, abagcinisa waqhubeka KO "Bank Growth" (St. Petersburg), bachukunyiswa yokunqongophala umgcelele, ngokungafaniyo namanye amasebe amaziko ngetyala. Ikhupha nemiphumo emihle, kunye nabasebenzi eluncedo kakhulu (isitulo umnikelo ngenxa yokuthetha obutofotofo, uchaze zonke iinkcukacha kunye nomonde, alinakuvula ngokukhawuleza, kwaye nkqu isipho wamnikela).

Kunjalo kukho ncomo negative. Eminye yayo ibandakanya ukusetyenziswa-ATM ngaphambi ukuhlaziya ingcaciso kwi-website (leyo maxa wambi kukhokelela discomfiture mnandi), iingxaki zobuchwepheshe kunye malevolence kwabasebenzi ngamnye. Ngokubanzi, kuninzi ekufuneka kuphuculwe, kwaye iingxaki kumsebenzi kufuneka lupheliswe, kodwa ngokubanzi, ibhanki kufuneka anconywe. Eyona nto ibalulekileyo ngoku - ukubamba emhlabeni wabo kwinqanaba eliphezulu kwaye uzame ukuba abomeleze.

isiphelo

Namhlanje Siyazazi kunye kancinane-yaziwa kwizangqa ngokubanzi yeziko credit "Growing Bank" na. Izimvo abathengi sifanelwe ukuba ahlawule ingqalelo kubo kwaye zilisebenzise iinkonzo ibhanki yakhe. zalo eziphambili zezi nkqubo abangaxhalabisiyo conservative malunga mboleko kunye kujoliswe kwi ukwaneliseka inzuzo enkulu ngenxa yezilangazelelo abaxhasi babo. Uninzi abo bathe basebenzisa iinkonzo ebhankini, bathi iimeko zemboleko pretty nice kunye namazinga aphezulu kwi iidipozithi. Ukongeza, ngokufuthi ingxelo umthengi uthi abasebenzi "Bank Growth" njenge iingcali abanobuchule kunye nembeko, kwaye eneneni bona ubuso nawuphi na umbutho. Ngenxa akukho mntu conservatism kumsebenzi wayo, iBhanki iye yasekwa njengombutho ethembekileyo kwaye uzinzile ngetyala, endiya ndithanda ukusebenza ixesha elide. Hi ndlela leyi, "Ukukhula Bank" phantse oko ke mbhengezeni ngokwawo, kunye yimvelaphi engcono yolwazi ngayo ilizwi lomlomo.