Gambians Abroad Celebrate And Patronize BankPHB En Masse!

THE DIVIDENDS OF BANKING WITH A SUPER-STAR BANK

Gambians Abroad Celebrate And Patronize BankPHB En Masse!  Home-based Customers Benefits From The Bank’s Myriad Of Prosperity Cum Wealth Boosting And Poverty-Alleviating Packages!

What is it that you need now but no cash? BankPHB  can always bail you out in terms of ensuring you have it with utmost ease! Gambians abroad patronize BankPHB en masse! Every Customer Celebrates The Bank’s ‘’Yookuteh’’ For Customers’’ and ‘’Good-Life For All’’ Packages! In fact The Gambian banks profit league will remain incomplete, and in fact condemnable without the vivid imprint of the name BankPHB! One of the banking institutions on the African soil that clearly projects the African ingenuity and rare excellence in the global banking sector. The bank widely celebrated for its sound and enviable human capital and diverse asset bases continues to crate records of excellent performance, creating prosperity and boosting unprecedented wealth for its customers. The bank very synonymous with the terms “trust” and “confidence, “has an indented track record of proving its mettle in any business environs it finds itself.
The buoyant outlook is underpinned by the bank’s solid capitalization buffers. Built on a 4-year history of service in The Gambia, BankPHB continues to move forward with an innovative mix of 21^st century customer service along with state of the art banking products and services. Right from its inception, the bank has been guided by a well celebrated mission and vision; with its founding vision to; hire local people, take local deposits, make local loans to deserving and credit worthy local businesses and consumers, and be an outstanding corporate and civic leader. Thus from day-one of its existence in The Gambia, its history and success is intertwined with the history and success of their customers. Characterized by the unique culture of listening to their customers and what they want from their bank; they have always strived hard to meet those needs.
Being a customer-centric bank, BankPHB provides rapid response to their array of customers based on its ability to make decisions quickly avoiding lengthy waits and bureaucratic or organizational bottlenecks. Empowered by this strength, they listen to every customer’s unique situation and then offer solutions that are appropriate to meet the individual needs. This Unique Selling Point (USP) gives the bank an edge over its various competitors.
Today, even Gambians abroad, the Gambians in Diaspora are reaping from the largely outstretched magnanimity and corporate dynamism of BankPHB. The bank’s GIDA (Gambian-In-Diaspora) product which targets Gambians abroad is not only a wealth boosting product, but in the main national development strategy; this is because the bank is via this product-GIDA, promoting local investments by Gambian abroad. Now, how does GIDA works? According to an interview with the Managing Director of the bank, Mr. Chuks Chibundu, they bank tries to reach out to Gambians abroad, and urge them to open a foreign exchange Account; to secure their funds at home, as no one knows tomorrow! But beyond this, BankPHB has gone to the extent of helping these Diaspora Gambians to invest their idle funds locally in The Gambia, and more so managing these investments profitably for them! This has the multiplier effect of adding value to the funds, as well as boosting the level of domestic investments. As at this day, a large number of Gambians abroad are happily responding to this highly revered patriotism-inviting package of BankPHB! Moreover, banking involves a whole lot of trust between the bankers and the depositors. This is one great secret behind the success of Bank PHB!
The bank has opened a better-life-for-all programme via its ‘’Good-Life’’ package. With this, every customer of Bank PHB; whether rich or poor can now acquire any type of commodity or item he or she may need; this ranges from household furniture, fridges, Gas Cookers, Power Generating plants; just name it! The banks reasons with its customers, and understands their customers, especially these days of global financial meltdown. To bail its customers out from certain personal contingencies, the bank goes an extra mile to make arrangements with an array of vendors/suppliers of various products on behalf of their customers. Do you need a fridge now,  a house furniture, etc; but you do not have the money? Or what is it that you need now but no cash; BankPHB can always bail you out in terms of ensuring you have it as at when you need it; with the utmost ease!
The bank has above all opened very wide doors for The Gambian SMEs through its Prosperity-building product called “YOOUKUTEH”. This package targets in the main, the SMEs, the unbanked local businesses, and even the under banked! In the‘’YOOUKUTEH’’ scheme, BankPHB supplys funds to SMEs and Micro businesses or individuals who need immediate cash funding. BankPHB has these offers in order to pave avenues for its customers to partake in the sharing of the bank’s profit-earnings from its business operations in The Gambia; still as a part of its giving back to its host community!

BankPHB Service Available 24 Hours/Day

The bank  embraces innovations in technology to provide its customers with a much more convenient method of banking by its online banking which provides an alternative way for individuals that want to avail a bank's services when banks are already closed for the day or throughout weekends and also throughout holidays.  Employers can even pay their own staff's wages utilizing BankPHB online banking, which can be far more private than handing out individual envelopes. Apart from being convenient, the bank’s online transactions allows you to periodically look at account transactions or statement without needing to contact or visit your bank. In fact, you can log in to your account anywhere in the world so long as you are utilizing your own laptop (for safety reasons) and you have a reliable connection to the internet. You may even access your BankPHB account utilizing a smart phone, which certainly has internet capabilities. Basically, everything that could be linked via the internet may help you take advantage of the bank’s internet banking services at absolutely no extra charge.

On the other hand, financial institutions also reap the benefits of internet banking since it is more cost-effective since they won't need more employees to serve the influx of clients and since the depositor personally keys-in data, less errors tend to be committed and it is therefore more efficient. Thus for the bank’s customers, it takes just a few keystrokes, account balances and other information, such as savings account interest rates appear on the screen and are available for printout if needed. Since account entries normally appear within a short period, information is more up-to-date, and the risk of accounting entry mistakes is greatly reduced. Additionally, accountholders with multiple accounts at the same online banking institution have the ability do such things as transfer money between their accounts without having to write an actual cheque.

Corporate Social Responsibility

Giving back to the community through participating in various corporate and social responsibility activities is an integral goal of BankPHB’s vision.  The bank considers that one of its salient roles is to create sustainable ways of support towards important initiatives by highlighting and providing simple ways of volunteering and contributing. BankPHB has historically been active in sponsoring educational, institutions through financial support for universities and basic education in The Gambia. The Bank’s proactive role in social development can further be perceived through the various activities it has undertaken in the country.

In its pursuit of an on outstanding corporate citizenship, BankPHB chose an aspect of development intervention that is most appropriate for the sustainability of The Gambia’s future, as well as very central to the realization of the noble ideals of vision 2020! This all important area is EDUCATION! No matter what it is that we want to achieve for our society, without the basic educational back-up, it will amount to an effort in futility. Bank PHB thus sees education as a major and key-player in the achievements of the country’s development ambitions. Hence in this regard, the bank has over the years embarked on projects and programmes that have to a large degree impacted positively on the nation’s human resource-base. It is thus on record, crystal-clearly, that the bank has invested heavily in the sponsorship of Gambian indigent students at the University of The Gambia; above all, upon their graduation, 30% of these students are given automatic employment to work in the bank. So far; to this unprecedented magnanimity; Gambian youths are saying; Hurrah!!!
At the level of basic education, BankPHB offers scholarships again to indigent students on an annual level, and furthermore provides books to schools. The bank is also intervening in the development of educative extra-curricula school activities, such as the sponsorship of Quizzes; as is being shown today in our various electronic media, etc.
From all available indicative parameters; the bank has been growing from strength-to-strength since its genesis in The Gambia. Right from its take-over of the defunct International Bank of Commerce, BankPHB has since over-grown its  initial value by over 80%; judging fro the progression from a balance sheet of D680Million to D1.2Billion in a very short time-lag, and with a commensurate expansion in the local operations network.


The Bank Of Great Possibilities

Within the African region, the bank is today recognized for its distinction in innovation. BankPHB  is a bank with passionate people who strive tirelessly to put their customers first and continue living up to their role as a bank with an enviable status; which they retain with their edge in innovation and technology. BankPHB is a full-service bank providing wholesale, retail, investment and transaction banking services and products to governments, financial institutions, multinationals, international organizations, medium, small and micro businesses and individuals.

In fact, only the wise ones bank with BankPHB! Hence their customers do have high standards and the bank is constantly working to provide them with the best services and products to better meet their needs.  The bank is always inviting everyone; rich or poor, men or wome, youg and old;  to come and explore the many personal and business banking products and services offered by the bank. Always, they welcome your questions and comments and invite you to stop by any of their locations and let their people demonstrate their commitment to providing you quality products, and outstanding service. More than simply accounts and services, BankPHB is a community partner. In fact, from the time you enter the bank until the time you leave, they are always there for you; to make sure you have a wonderful banking experience. More than just taking care of its customers. Indeed and in truth, BankPHB makes impossibilities possible! 

Products & Services

Money Transfer Services PHB Easy REMIT and Presto provide a convenient and secure way to send money from the USA, UK and Canada and also Nationwide.	Children & Partner Accounts Having an Acount with Bank PHB opens the way to benefiting from our various services.	Corporate Finance Our services cover capital formation and corporate restructuring, financial advisory and privatization.
Correspondent Banking We have continued to grow our network of Correspondent Banks and are in a position to deliver first class trade finance.