BSP

Fakamatala Kakato ʻo e BSP Tonga mo Hono Hisitōliá

Ko e Pangiké ʻo e Pasifiki Tonga Limited, pe ko e BSP Tonga, ko e pangike lahi taha ia ʻoku fakahoko ngāue ʻi he Puleʻanga ʻo Tongá, ʻoku ne puleʻi ʻa e konga lahi taha ʻo e ngaahi paʻanga teuhi mo e ngaahi noo ʻi he maketií. ʻOku lesisita fakalao ʻa e kautahá ʻi he ʻi Tongá ʻi he malumalu ʻo e Lao ki he Ngaahi Kautahá pea ʻoku fakahoko ngāue ia ko ha kautaha fakakatoa ʻa e BSP Financial Group Limited (BSP Group), ʻa ia ʻoku lesisita ʻi he PNGX mo e ASX.

Naʻe kamata ʻa e BSP Group ʻi Papua New Guinea ʻi he ʻaho 1 ʻo Mē, 1957. Naʻe hū mai ʻa e BSP ki Tonga ʻi he ʻaho 29 ʻo Sānuali, 2015, ʻi heʻene fakatau ʻa e Westpac Bank of Tonga. ʻOku fakakatoa ʻa e BSP Group ki he BSP Tonga, pea ʻoku lahi taha ʻa e kau puleʻangá mo e ngaahi kautaha lahi ʻoku ʻinivesi ʻiate ia, pea ʻoku nau fakaʻatā mo ha kau ʻinivesi kehe ʻi he maketi fakapaʻanga ʻa Papua New Guinea pea mo ʻAositelēlia.

Ko e taumuʻa ʻo e BSP Tonga ke ʻoatu ʻa e ngaahi ngāue fakapangike kakato ki he kakaí, ngaahi pisinisi iiki mo e lotoloto (SME), pea mo e ngaahi pisinisi lalahi. ʻOku fakamamafaʻi ʻe he pangiké ʻa e kau atu fakapaʻanga, ʻo ne tokoniʻi ʻa e kau kasitomaʻa ʻi he ngaahi kolo lalahi mo e ngaahi feituʻu mamaʻo fakafou ʻi he ngaahi vaʻa, ngaahi fakafofonga, pea mo e ngaahi founga fakaonapō. Ko e Pule Faka-Fonua ʻo e BSP Tonga ko Faasu Atkinson ia, pea ko e Pule Lahi ʻo e BSP Group ko Mark T. Robinson. ʻOku ʻi ai foki mo e kau pule sinia kehe ʻoku nau tokangaʻi ʻa e ngaahi vaʻa ʻo e ngaahi ngāue fakapangike, ʻo fakafeʻungaʻi ʻa e tokoni ki he ngaahi fiemaʻu fakapaʻanga ʻo e fonuá.

Ngaahi Noo ʻa e BSP Tonga, Ngaahi Tōtōngi, Ngaahi Totongi Tuku, mo e Ngaahi Tuʻunga Noó

ʻOku ʻoatu ʻe he BSP Tonga ha ngaahi faingamālie noo lahi ke fakafeʻungaʻi ki he ngaahi fiemaʻu fakapaʻanga kehekehe. Ko e ngaahi noo mahuʻinga tahá ʻoku kau ai:

• Ngaahi Noo Fakafoʻituitui: ʻOku ʻi ai ʻa e ngaahi noo maʻu fakapapau mo e ngaahi noo taʻemaʻu fakapapau. Ko e tōtōngi noo ki he noo maʻu fakapapau ko e 12.30% p.a., pea ko e noo taʻemaʻu fakapapau ko e 13.00% p.a. ʻOku aʻu ki he taʻu ʻe 5 ʻa e fakaʻemi ʻo e noó, ka ko e lahi mo e siʻi taha ʻo e paʻangá ʻoku ʻikai fakahaaʻi fakahāhā. ʻE fiemaʻu ke fetuʻutaki ʻa e kau kole noo ki he vaʻa ke ʻiloʻi ha ngaahi fakamatalá.
• Ngaahi Noo ki he Fale (Home Loans): Ki he ngaahi fakatau fale pe langa fale, ko e tōtōngi noo ko e 7.15% p.a. ʻOku aʻu ki he taʻu ʻe 25 ʻa e fakaʻemi ʻo e noó ki he ngaahi noo moʻua fale nofoʻangá.
• Ngaahi Noo ʻo e Koloa Fakafoʻituituí (Personal Asset Loans): Ko e tōtōngi noo ko e 12.30% p.a.
• Ngaahi Noo Pisinisi ʻa e SME (SME’s Smart Business Loan): Ko ha noo fakataumuʻa ki he ngaahi pisinisi iiki mo e lotoloto, ʻoku aʻu ki he 15.00% p.a. ʻa hono tōtōngí.
• Ngaahi Noo Pisinisi Fakafeʻungaʻi mo e Ngaahi Noo Koloa Fakapisinisi (Tailored Business Term Loan & Commercial Investment Property Loan): Ko e tōtōngi noo ko e BLR (Base Lending Rate) 9.65% p.a. fakataha mo ha maregini ʻe 0–7%. Ko e siʻi taha ʻo e noo pisinisi ko e TOP 50,000, pea ʻoku aʻu ki he taʻu ʻe 10 ʻa e fakaʻemi ʻo e noó.
• Ngaahi Overdraft Pisinisi (Business Overdraft): Ko e ngaahi overdraft naʻe fakataumuʻa ko e BLR 9.65% p.a. fakataha mo ha maregini ʻe 0–7%. Ko e ngaahi overdraft taʻetaumuʻa pe fakataimi ʻoku aʻu ki he 18.00% p.a. ʻOku toe fakaleleiʻi fakataʻu ʻa e ngaahi ngataʻanga ʻo e overdrafts.
• Ngaahi Ngāue Fakapaʻanga Fakakautaha (Trade Finance Facilities): Ko e tōtōngi noo ko e 8.00% p.a.

Ngaahi Totongi Tuku mo e Tuʻunga Fakapapauʻí

ʻOku ʻi ai ha ngaahi totongi tuku mo e ngaahi fiemaʻu fakapapau ʻoku fekauʻaki mo e ngaahi noo ʻa e BSP Tonga:

• Totongi Kole/Fakahoko (Application/Origination Fee): Ko e TOP 100–200 (ʻoku kehekehe ia ʻi he ngaahi naunau noo).
• Totongi Ngaohi (Processing Fee): Ko e 1.0% ʻo e lahi ʻo e noó (ko ha totongi anga maheni ʻi he pisinisí).
• Totongi Tuai (Late Payment Fee): Ko e TOP 50 pe 2% ʻo e paʻanga kuo tuai, ko ia pē ʻe lahi ange.
• Fakaʻemi Vave (Early Repayment): ʻOku ʻikai ha tautea ki he ngaahi fakaʻemi fakafeituʻu.
• Ngaahi Fiemaʻu Fakapapau (Collateral Requirements):
  • Ngaahi Noo Maʻu Fakapapau: Fiemaʻu ha noo moʻua ki he koloa pe fakahaaʻi ʻo e koloá.
  • Ngaahi Noo Taʻemaʻu Fakapapau: ʻOku māʻolunga ange hono tōtōngí, pea fiemaʻu ha hisitōlia falala lelei.
  • Ngaahi Noo Pisinisi: Fiemaʻu ha fakapapau ki he ngaahi koloa ʻo e pisinisí pe ngaahi fakapapau fakafoʻituitui.

Founga Kole Noo, Polokalama Telefoni, mo e Ngaahi Ngāué

Ko e kole noo ʻi he BSP Tonga ʻoku faingofua pea ʻoku lava ke fakahoko ia ʻi ha ngaahi founga kehekehe, ʻo kau ai ʻa e ngaahi vaʻa, ʻinitaneti, mo e polokalama telefoni fakafoʻituitui. Ko e BSP ʻoku ne fakamamafaʻi ʻa e ngaahi founga fakaonapō ke tokoniʻi ai ʻa e kau kasitomaʻá.

Founga Kole Noo mo e Ngaahi Fiemaʻu Fakafoʻituituí

ʻOku lava ke fakahoko ʻa e ngaahi kole noo ʻi he ngaahi vaʻa ʻo e BSP, ʻi he BSP Online Banking portal, ʻi he BSP Mobile App, pe fakafou ʻi he network ʻo e ngaahi fakafofonga ʻo e BSP. Ko e ngaahi pepa mahuʻinga ke fiemaʻu ki he ngaahi fiemaʻu fakakasiná ʻoku kau ai:

• Fakaʻilonga faitā fakalao.
• Fakapapauʻi ʻo e paʻanga hū mai (ngaahi pepa totongi pe ngaahi fakamatala fakapaʻanga).
• Fakapapauʻi ʻo e nofoʻangá.

ʻOku lava ke fakaava ʻa e ʻakauní ʻi he vaʻa pe ʻi he polokalama telefoni ʻaki ʻa e ID fakaonapō, pea ʻe fakamoʻoniʻi ia ʻi he ʻaho ngāue ʻe 1–2. ʻOku fakaʻaongaʻi ʻe he BSP ha founga fikaʻi ʻo e tuʻunga falala fakafoʻituitui ʻo ne fakaʻaongaʻi ʻa e fakamatala mei he Tonga Credit Reference Bureau, fakaʻanalaisí ʻo e tafe ʻo e paʻangá, pea mo e fikaʻi ʻo e mahuʻinga ʻo e fakapapauʻí. ʻOku ʻoatu ʻa e ngaahi tuʻunga fakatuʻutāmaki ʻe A–E, pea ʻoku toe fakaʻaongaʻi ha maregini lahi ange ki he ngaahi tuʻunga maʻulalo ange.

Ngaahi Founga Tuku Atu ʻo e Paʻangá mo e Fakaʻemi Noó

ʻOku lava ke tuku atu ʻa e paʻanga noó ʻi he ngaahi founga kehekehe:

• Hū hangatonu ki he ʻakauni BSP pe ki he ngaahi pangike kehe fakafou ʻi he SWIFT.
• Paʻanga Fakafoʻituitui Telefoni (Mobile Money): Fakafou ʻi he fehokotakiʻanga mo e T-Pay (ʻoku kei ʻi he vāhanga fakatotolo).
• Paʻanga: ʻi he vaʻa pe fakafou ʻi he ngaahi fakafofonga ʻo e BSP.

Ki he fakaʻemi noó, ʻoku fakaʻaongaʻi ʻe he BSP ʻa e ngaahi SMS mo e ʻīmeilí ke fakamanatu atu. ʻOku lava foki ke toʻo hangatonu ʻa e paʻangá mei he ngaahi ʻakauni BSP. ʻE fakahoko foki ʻa e ngaahi ʻaʻahi ki he ngaahi ʻakauni ʻoku tuai, pea ʻe fakahoko ʻa e ngaahi ngāue fakalao ki he ngaahi noo ʻoku ʻikai lava ke toe fakaʻemi. Naʻe māʻolunga ange ʻa e holo ʻo e mahuʻinga ʻo e ngaahi noo ʻi he taʻu fakapaʻanga 2024, ʻo ne fakatupunga ai ha holo ʻe 20.9% ʻi he tupú.

Polokalama Telefoni ʻa e BSP mo e Aʻusia ʻo e Kau Fakaʻaongaʻí

Ko e BSP Mobile App (ki he iOS mo e Android) ʻoku ne ʻoatu ʻa e ngaahi faingamālie lahi, ʻo kau ai ʻa e ngāue fakapangike ʻi he ʻinitaneti mo e telefoni. ʻOku lava ke kole noo, sio ki he ngaahi palani fakaʻemí, fakafetongi paʻanga, mo e totongi tohi fakatau ʻaki ʻa e polokalama ko ʻení. ʻOku ʻi ai foki mo e BSP Online Banking, ko ha web portal ʻoku lava ke fakaʻaongaʻi he ʻaho katoa, ʻoku maluʻi ʻaki ʻa e OTP authentication. ʻOku lahi ange ʻi he 50,000 ʻa e kau fakaʻaongaʻi Android ʻo e polokalamá, pea ʻoku lesisita ia ʻi he App Store ʻo ʻAositelēlia.

ʻOku lahi ʻa e ngaahi vaʻa ʻo e BSP ʻi Tonga ni, ʻo kau ai ʻa Nukuʻalofa (vaʻa lahi), Vavaʻu, Haʻapai, pea mo ʻEua. ʻOku ʻi ai foki mo e ngaahi fakafofonga ʻo e BSP ʻe 38 ʻi he ngaahi motu mamaʻó, pea mo e ngaahi ATM ʻe 15 mo e EFTPoS ʻe 285. ʻOku lahi hake ʻi he 47,000 ʻa e kau kasitomaʻa ʻoku nau ngāue ʻaki ʻa e BSP (kau ai ʻa e kakaí mo e SME). Ko e kau kasitomaʻa lahi taha ko e kau ngāue, pea mo e ngaahi pisinisi iiki mo e lotoloto ʻi he fakatupulaki, ngoue, mo e fefonongaʻaki.

Tuʻunga Fakalao, Ngaahi Fakamatala mei he Kasitoma, mo e Tuʻunga ʻi he Maketií

ʻOku ngāue ʻa e BSP Tonga ʻi he malumalu ʻo e ngaahi lao fakapangike ʻo Tongá pea ʻoku ne puleʻi ʻa e ngaahi tuʻunga māʻolunga ʻo e fakalao mo e maluʻi ʻo e kau kasitomaʻá.

Laiseni mo Hono Tokangaʻí

ʻOku laiseni ʻa e BSP Tonga ʻe he Pangike Puleʻanga ʻo Tonga (NRBT) ʻi he malumalu ʻo e Lao ki he Ngaahi Pangiké. ʻOku hoko foki ia ko ha memipa ʻo e Tonga Depositors’ and Investors’ Guarantee Scheme, ʻa ia ʻoku ne maluʻi ʻa e ngaahi paʻanga teuhi ʻa e kau kasitomaʻá. ʻOku ʻikai ha ngaahi tautea pe ngāue fakalao kuo fakahaaʻi fakahāhā ki he BSP Tonga. ʻOku fakahoko tuʻo taha ʻi he taʻu ʻa e ngaahi oditá ʻe he NRBT, pea ʻoku ʻoatu foki ʻa e ngaahi fakamatala fakataʻu fakalaó.

Maluʻi ʻo e Kau Kasitoma mo e Ngaahi Fetuʻutaki Fakalaó

ʻOku fiemaʻu fakalao ʻa e BSP ke fakahaaʻi ʻa e ngaahi fakamatala kakato ki he ngaahi noo ki muʻa pea toki fakahoko ʻa e noó. ʻOku ʻi ai foki mo ha founga ke fakahoko ai ʻa e ngaahi fakamamahiʻí ki he BSP Customer Service Centre, pea ʻoku lava ke fakahaaʻi ki he Ombudsman kapau ʻoku ʻikai lava ke fakaleleiʻi. ʻOku ʻoatu foki ʻa e ngaahi fakamanatu ki he kākaá mo e ngaahi akonaki ki he ngaahi ʻīmeili fakakākaa ke maluʻi ai ʻa e kau kasitomaʻá.

Tuʻunga ʻi he Maketi mo e Kau Fakafeʻauhi

ʻOku tuʻu ʻa e BSP Tonga ko e pangike #1 ʻi he maketi ʻo Tonga ni, ʻo ne puleʻi ʻa e konga lahi taha ʻo e ngaahi paʻanga teuhi mo e ngaahi noo. Ko hono kau fakafeʻauhi mahuʻinga ko e ANZ Tonga, MBf Bank, pea mo e Tonga Development Bank. ʻOku kehekehe ʻa e BSP ʻi heʻene ngaahi vaʻa mo e ngaahi fakafofonga network lahi taha, ngaahi naunau noo SME fakafeʻauhi, pea mo e ʻilo loloto ki he ngaahi fonua ʻo e Pasifikí.

Fakamatala mei he Kau Kasitoma mo e Tupulakí

Naʻe maʻu ʻe he BSP Tonga ʻa e pale "Best Customer Service" ʻi he faingamālie ʻo e ngaahi Kautaha Fakapaʻanga ʻi he fekumi fakakātoa ʻo e 2024. Neongo ia, ʻoku ʻi ai foki mo e ngaahi palopalema anga maheni ʻoku fakahaaʻi ʻe he kau kasitomaʻá, ʻo kau ai ʻa e taimi ʻe niʻihi ʻoku ʻikai ngāue lelei ʻa e polokalama telefoni, ngaahi laine lōloa ʻi he ngaahi vaʻá, pea mo e ngaahi founga pepa ʻoku fakamanua. Ka ʻoku lahi foki mo e ngaahi talanoa lavameʻa ʻo e ngaahi pisinisi SME ʻoku nau lava ke fakalahi ʻenau ngāué mo e ʻinivesi fakafou ʻi he tokoni fakapaʻanga ʻa e BSP.

Ko e tupu ʻa e BSP ʻi he taʻu fakapaʻanga 2024 ko e T$11.6 miliona (hili ʻa e tukuhau), ko ha holo ia ʻe 20.9% mei he 2023, ko e tupuʻanga ia ʻo e māʻolunga ʻo e ngaahi holo ʻi he mahuʻingá. Ka ʻoku kei hokohoko atu pē ʻa e ngaahi fokotuʻutuʻu ki he fakalahi ʻo e ngaahi ngāue fakaonapō mo e fakafofonga pangike ʻi he ngaahi motu mamaʻó. ʻOku ʻi ai foki mo e ngaahi fehokotakiʻanga ʻe lava ke fakahoko mo e T-Pay ki he paʻanga fakafoʻituitui telefoni mo e ngaahi fehokotakiʻanga fakapaʻanga fakakautaha.

Akonaki Mahuʻinga ki he Kau Kole Noo Fakafoʻituitui

Kiate kinautolu ʻoku fakakaukau ke kole noo mei he BSP Tonga, ʻoku mahuʻinga ke fai ha ngaahi fakakaukau lelei ke fakapapauʻi ʻoku faitāfataha ʻa e noó mo hoʻo ngaahi fiemaʻu fakapaʻanga pea ʻoku feʻunga mo hoʻo malava ke totongi. Ko e ngaahi akonaki ʻeni mei ha tokotaha mataotao fakapaʻanga:

• Fakaʻutaʻuta Lelei Hoʻo Fiemaʻu Noó: Kimuʻa pea ke kole, fakapapauʻi ʻoku ke ʻiloʻi kakato ʻa e meʻa ʻokú ke fiemaʻu ʻa e paʻanga ki aí pea mo e lahi ʻokú ke fiemaʻú. ʻOua ʻe noo lahi ange ʻi he meʻa ʻokú ke fiemaʻu mo malava ke totongi.
• Fakafekauʻaki ʻa e Ngaahi Tōtōngí: ʻOku kehekehe ʻa e tōtōngi noo ʻa e BSP ʻo fakatatau ki he faʻahinga noó (maʻu fakapapau pe taʻemaʻu fakapapau, fale pe pisinisi). Fakafehoanaki ʻa e ngaahi tōtōngi ko ʻení mo e ngaahi pangike kehe ʻi Tonga ke fakapapauʻi ʻokú ke maʻu ʻa e feinga lelei taha.
• Hōloaki Hoʻo Ngaahi Tuʻunga Noó: ʻOku mahuʻinga ke ke lau mo mahinoʻi kakato ʻa e ngaahi tuʻunga mo e fiemaʻu kotoa ʻo e noó, kau ai ʻa e ngaahi totongi tuku (totongi kole, totongi ngaohi, totongi tuai) pea mo e ngaahi fiemaʻu ki he fakapapauʻí. ʻE tokoni atu ʻeni ke ke fakafuofuaʻi kakato ʻa e lahi ʻo e paʻanga te ke totongi fakakatoa.
• Fakapapauʻi Hoʻo Malava ke Totongí: Fakafehoanaki hoʻo paʻanga hū mai mo hoʻo ngaahi fakamole kehe ke fakapapauʻi ʻoku ke malava ke totongi ʻa e noó ʻi he māhina kotoa. Ko e toʻo noo ʻoku lahi ange ʻi hoʻo malavá ʻe lava ke fakatupunga ha ngaahi palopalema fakapaʻanga.
• Fakaʻaongaʻi ʻa e Polokalama Telefoni ʻa e BSP: ʻOua ʻe hohaʻa ke fakaʻaongaʻi ʻa e BSP Mobile App pe BSP Online Banking ke fai hoʻo ngaahi fekumi mo e kole noo. ʻE lava ke ne fakafaingofuaʻi ʻa e foungá, kae kei fiemaʻu pē ke ke fakaʻaongaʻi ʻa e ngaahi founga maluʻi ʻo e ʻinitaneti pea ʻiloʻi ʻa e ngaahi akonaki ki he kākaá.
• Fetuʻutaki ki he BSP: Kapau ʻoku ʻi ai haʻo ngaahi fehuʻi pe taʻepau, ʻoua ʻe tokaʻi ke fetuʻutaki ki he BSP Tonga ʻi heʻenau ngaahi vaʻa, fakafofonga, pe Customer Service Centre. Ko e ngaahi fakamatala fakapaʻanga ko ha meʻa mahuʻinga ia, pea ʻoku totonu ke ke ʻiloʻi kakato ʻa e meʻa kotoa kimuʻa pea ke fakamoʻoni ki ha aleapau noo.

ʻOku ʻi ai ha tuʻunga mālohi ʻo e BSP Tonga ʻi he pisinisi fakapaʻanga ʻo Tonga ni, ʻo ne ʻoatu ʻa e ngaahi faingamālie noo lahi mo e ngaahi ngāue fakaonapō. ʻAki ha fakakaukau lelei mo e ʻilo ki he ngaahi tuʻunga mo e tōtōngi ʻo e noó, ʻe lava ke hoko ʻa e BSP ko ha hoa lelei ki hoʻo ngaahi taumuʻa fakapaʻangá.