IZiko leSizwe leeNkonzo zoLamlo lwezeMali (iNational Financial Ombud Scheme, iNFO) libuyisele abathengi imali exabisa i-R442.99 yezigidi ngo-2025, ngelixa ijongana nezikhalazo ezininzi kumacandelo ayo kunye nokunciphisa ixesha eliphakathi lokuvala amatyala ukuya kwiintsuku zokusebenza ezingamashumi asibhozo anesihlanu-(85).
I-NFO kwinyanga ka Juni ikhuphe ingxelo yayo yesibini yonyaka ukusukela oko yamkelwa nje ngeskimu se-ombud yeshishini ngomhla wokuqala kwinyanga kaMatshi ngonyaka ka-2024.
I-NFO ngoku inamacandelo amathathu: eleBhanki neTyala (Banking and Credit), i-Inshorensi yoBomi (Life Insurance), kunye ne-Inshorensi engeyiyo yobomi (Non-life Insurance). IBhanki kunye neTyala yayingamacandelo ahlukeneyo kwade kwaba nguJulayi ka-2025.
Idatha yamva nje yeSkimu ibonisa apho uxinzelelo lwabathengi lwakha kakhulu khona: ubuqhetseba bebhanki yedijithali (digital banking fraud), amabango enzuzo yomngcwabo akhatywayo, kunye neengxabano eziqhubekayo malunga nokungabandakanywa kwi-inshorensi yemoto kunye nabaninimzi(continued disputes over exclusions in motor and homeowners’ insurance)’. KwiBanking, ubuqhetseba buhlale buludidi lokuqala olukhulu lwezikhalazo, ngelixa kwiLife Insurance, izibonelelo zokungcwaba ziqhubekile nokulawula izikhalazo. KwiNon-life Insurance, i-inshorensi yeemoto neyabanini mizi ivelise inxalenye enkulu yeenkani okanye iingxabano.
Idatha yamva nje yeSkim ibonisa apho uxinzelelo lwabathengi lukhula kakhulu khona: ubuqhetseba bebhanki yedijithali, amabango ezibonelo zomngcwaba akhatshwayo, neengxabano eziqhubekayo malunga nezinto ezingafakwanga kwi-inshorensi yeemoto neyabumnini-makhaya.
I-NFO yavula iimeko ze-50 065 kwi-2025, ukwanda kwe-16.36% xa kuthelekiswa ne-2024, kwaye ivalwe i-34 277, ukwanda kwe-2.01%.
Kumatyala avaliweyo kuwo onke amacandelo eskimu, yi-19% kuphela eyagqitywa ngokuxhasa umthengi. Oku kuhambelana nepesenti yonyaka ophelileyo.
I-NFO ithe ifumene i-R442 994 504.11 kubathengi ngo-2025, xa kuthelekiswa ne-R328 550 212.58 ngo-2024.
Ukuchacha ngokwahlulahlula kwaba:
- Ubomi: R299 629 812.82
- Ukungaphili: R82 888 820.70
- Ibhanki: R53 002 204.18
- Ityala: R7 473 666.41
KwiBhanki, inani lokubuyisela libunjwe kakhulu yimiba enxulumene nobuqhetseba. I-NFO ithe malunga ne-60% ye-R53m engaphezulu kwe-R53m enikezelwa kubathengi beebhanki inxulunyaniswe namatyala obuqhophololo. Yathi imiba emininzi ekuthe kwenziwa kuyo amabhaso ibandakanya iziphumo zokuba iibhanki zisilele ukwenza ngokukhawuleza ngokwaneleyo zakuba ziqaphele izenzo zobuqhophololo.
Isiqinisekiso esiphambili kwingxelo yalo nyaka kukuba ingxelo ka-2024 igubungele uMatshi ukuya kuDisemba kuphela, kunokuba ibe lixesha elipheleleyo leenyanga ezili-12, ngoko ke uthelekiso oluthe ngqo lonyaka nonyaka kufuneka luphathwe ngononophelo.
Ngenxa yokuba amanani ka-2024 engaquki unyaka wonke, ingxelo isebenzisa ingxelo isebenzisa i-avareji yenyanga yolona hlalutyo lunentsingiselo lonyaka nonyaka.
Amatyala avuliwe kunye neendlela ngokubanzi
Amatyala angekafiki avulwe anyuke ukusuka kwi-1 695.20 ngenyanga ngo-2024 ukuya kwi-2 031.17 iimeko ngokomndilili ngo-2025, ezimele ukonyuka kwe-20%, ngelixa amatyala asemthethweni avuliwe anyuke ukusuka kwi-1 890.30 ukuya kwi-2 140.92 ngenyanga, ukunyuka kwe-13%.
Ityala eliphambi kwexesha libhekiselele kwisikhalazo esingeniswe kwi-NFO ngaphambi kokuba umthengi anike umboneleli ithuba elifanelekileyo lokuyisombulula ngaphakathi. I-ombud ithumela ezi zikhalazo kumnikezeli. Ukuba umboneleli uyasilela ukusombulula umba, okanye uyasilela ukuphendula, umcimbi unokuqhubeka njengetyala elisemthethweni.
Inani lilonke lamatyala avuliweyo linyuke ukusuka kumyinge we-3 585.50 ngenyanga ngo-2024 ukuya kwi-4 174.92 ngo-2025, okukukhula kwe-16% kwiimeko zokuvulwa ngokubanzi.
Amatyala avuliwe kunye neendlela ngokubanzi
Amatyala angekafiki avulwe anyuke ukusuka kwi-1 695.20 ngenyanga ngo-2024 ukuya kwi-2 031.17 iimeko ngokomndilili ngo-2025, ezimele ukonyuka kwe-20%, ngelixa amatyala asemthethweni avuliwe anyuke ukusuka kwi-1 890.30 ukuya kwi-2 140.92 ngenyanga, ukunyuka kwe-13%.
Ityala eliphambi kwexesha libhekiselele kwisikhalazo esingeniswe kwi-NFO ngaphambi kokuba umthengi anike umboneleli ithuba elifanelekileyo lokuyisombulula ngaphakathi. I-ombud ithumela ezi zikhalazo kumnikezeli. Ukuba umboneleli uyasilela ukusombulula umba, okanye uyasilela ukuphendula, umcimbi unokuqhubeka njengetyala elisemthethweni.
Inani lilonke lamatyala avuliweyo linyuke ukusuka kumyinge we-3 585.50 ngenyanga ngo-2024 ukuya kwi-4 174.92 ngo-2025, okukukhula kwe-16% kwiimeko zokuvulwa ngokubanzi.
I-NFO ibonise ukunyuka kwamatyala aguqulelwe ngaphambi kwexesha ukuya kwi-formal, enyuke kakhulu ukusuka kumyinge we-956.10 ngenyanga ngo-2024 ukuya kwi-1 292.08 ngo-2025, ukwanda kwe-35.14%.
Ingxelo ithi oku kunyuka kunokuba sisiphumo sokuphuculwa kokuqhubela phambili kwamatyala, iinkqubo zokuhlola ezinamandla, okanye imiba engaphezulu ehlangabezana nemigaqo yophando olusesikweni.
Ngaphandle kwenani eliphezulu lamatyala ewonke avuliweyo, umndilili wenani lamatyala abhalisiweyo linyuke ngokuphakathi, ukusuka kwi-2 629.4 ngenyanga ngo-2024 ukuya kwi-2 891.5 ngo-2025, ukunyuka kwe-9.97%.
I-NFO ibonise ukunyuka kwamatyala aguqulelwe ngaphambi kwexesha ukuya kwi-formal, enyuke kakhulu ukusuka kumyinge we-956.10 ngenyanga ngo-2024 ukuya kwi-1 292.08 ngo-2025, ukwanda kwe-35.14%.
Ingxelo ithi oku kunyuka kunokuba sisiphumo sokuphuculwa kokuqhubela phambili kwamatyala, iinkqubo zokuhlola ezinamandla, okanye imiba engaphezulu ehlangabezana nemigaqo yophando olusesikweni.
Ngaphandle kwenani eliphezulu lamatyala ewonke avuliweyo, umndilili wenani lamatyala abhalisiweyo linyuke ngokuphakathi, ukusuka kwi-2 629.4 ngenyanga ngo-2024 ukuya kwi-2 891.5 ngo-2025, ukunyuka kwe-9.97%.
Amatyala avulwa ngokwahlulahlulo
Xa ukuvulwa kwamatyala kwahlulwa ngokwahlulwa, iTyala libone ukwanda okumangalisayo kwezikhalazo zakwangoko. Iimeko zangaphambi kwexesha zonyuka ukusuka kumyinge we-100.9 ngenyanga ngo-2024 ukuya kwi-213.42 ngo-2025, emele ukwanda okungaphezulu kwe-100%. Amatyala asemthethweni anyuke ukusuka kwi-141 ukuya kwi-157.75 ngenyanga, ukwanda malunga ne-11.9%.
Ukukhula kwamatyala akuzange kuqhutywe kuphela ziingxabano zemveli zokuboleka imali. Eli candelo liphinde labona ukwanda okubonakalayo kwezikhalazo ezinxulumene nobuqhetseba, ngokukodwa ukuthengiselana kwekhadi-kungekhona-ngoku okudityaniswe ne-vishing scams kunye nokusetyenziswa okungagunyaziswanga kweenkcukacha zekhadi kunye namagama ayimfihlo exesha elinye. Izikhalazo zamatyala zikwaphakamise inkxalabo malunga nokungafikeleli kakuhle kokufikeleleka, ukwaliwa kwamatyala, kunye nokuqokelelwa kwamatyala ngokungafanelekanga.
ICandelo loBomi likwafumene ukwanda okubonakalayo kumatyala aphambi kwexesha nasesikweni. Amatyala aphambi kwexesha akhule malunga ne-31.2%, ukusuka kwi-321 ngenyanga ngo-2024 ukuya kwi-421.17 ngo-2025, ngelixa iimeko ezisemthethweni zonyuka malunga ne-27.7%, ukusuka kwi-350.4 ukuya kwi-447.58 ngenyanga.
ICandelo leBhanki ligcine isikhundla salo njengoyena mqhubi mkhulu wemiqulu yamatyala.
Kubekho ukwanda okubonakalayo kwe-25.4% kumatyala asemthethweni, ukusuka kumyinge wamatyala angama-593 ngenyanga ukuya kuma-742.83. Amatyala aphambi kwexesha anyuke malunga ne-11%, ukusuka kumatyala angama-948.5 ngenyanga ngo-2024 ukuya kwi-1 051.17 ngo-2025.
Ubuqhophololo buhleli bulolona didi luphezulu lwezikhalazo zebhanki. I-NFO ithe izikhalazo ezibandakanya ukuthengiselana okungagunyaziswanga, ukuqweqwediswa kweakhawunti, kunye nobuqhetseba bobunjineli bentlalo bunyuke kakhulu njengoko abathengi abaninzi beguqukela kwibhanki yedijithali. Yongeze ukuba abakhohlisi baya bexhaphaza amajelo e-intanethi ukucenga abathengi ukuba baveze ulwazi olubuthathaka okanye bavume iintlawulo zobuqhophololo.
Kumatyala ali-14 685 abhaliswe liCandelo leeBhanki, uninzi lunxulumene neebhanki ezinkulu zelizwe. Ukukhululwa kwathi i-Standard Bank irekhode inani eliphezulu lezikhalazo kwi-2 975, ilandelwa yi-First National Bank (2 705), iCapitec (2 641), iNedbank (2 482), kunye ne-Absa (2 234).
ICandelo elingengobomi liqhubekile ukuba nelona nani liphezulu lamatyala asesikweni ngenyanga phakathi kwamacandelo. Oku kwenzeka ngaphandle kokuhla malunga ne-1.6% kwiimeko ezisemthethweni, ukusuka kwi-805.9 ngenyanga ngo-2024 ukuya kwi-792.75 ngo-2025.
Amatyala aphambi kwexesha anyuke malunga ne-9.6%, ukusuka kwi-315.8 ngenyanga ngo-2024 ukuya kuma-346 ngo-2025.
Amatyala avaliwe kunye neendlela zokuvala
Ingxelo ithi ukuvalwa ngokusesikweni kunyuke nge-4.5%, kwaye ixesha eliphakathi lokuvala amatyala liphuculwe ukusuka kwiintsuku zokusebenza ezili-115 ngo-2024 ukuya kwiintsuku zokusebenza ezingama-85 ngo-2025.
Kwinqanaba lolwahlulo, iBhanki ivale amatyala ayi-14 171, i-Non-life 11 428, Life 5 824, kunye neCredit 2 854.
Ebomini, ingxelo ithi amatyala ewonke agqitywe ehle nge-2.6%, kodwa amatyala asesikweni agqitywe anyuke nge-17.4%.
KwiBhanki, amatyala avaliweyo anyuke ukusuka kwi-11 535 ngo-2024 ukuya kwi-14 171 ngo-2025, ngelixa ukuvalwa kwetyala kunyuke ukusuka kwi-2 040 ukuya kwi-2 854.
Kwi-Non-life, icandelo ligqibe unyaka nge-2% yezikhalazo ezimbalwa ezibhalisiweyo kunye ne-3% yezikhalazo ezisonjululweyo xa kuthelekiswa no-2024. Umndilili wexesha lokutshintsha kwecandelo uphucuke ukuya kutsho kwiintsuku zokusebenza ezili-105, ukusuka kwiintsuku ezili-117 ekuqaleni konyaka, nto leyo ethe yabangelwa kukwanda kwabasebenzi ekuqaleni konyaka kunye nezikhalazo ezimbalwa ezisanda kubhaliswa kwisiqingatha sesibini.
Iindidi zemveliso eziqhuba izikhalazo
Ezona ndidi zezikhalazo ngemveliso yayiyi-inshurensi yemoto, i-inshorensi yabaninimzi’, i-inshorensi yomngcwabo, ii-akhawunti zangoku, iimali-mboleko zobuqu, kunye namakhadi okuthenga ngetyala.
I-inshurensi yemoto yayiyeyona nto iphambili kwi-Non-life kwi-35.4%, ilandelwa yi-inshurensi yabaninimzi kwi-27.5%, kunye ne-inshurensi yorhwebo kwi-12.1%.
Kwi-inshurensi yemoto, amabango engozi abalelwa kwi-70% yeengxabano zezithuthi, ngelixa amabango obusela kunye nokuqweqwedisa enza i-8%. Ezona zizathu ziphambili zesikhalazo kolu didi zakhatywa amabango asekelwe ekukhutshelweni ngaphandle kokuqhuba phantsi kweempembelelo, kulandelwa kukungabikho kwenkathalo efanelekileyo okanye ukungakhathali.
Kwi-inshurensi yabaninimzi’, izenzo zendalo zibalelwa kwi-42% yezikhalazo, zilandelwa zizixhobo zamanzi eziqhumayo, ezifana neegiza, kwi-15%. Ezona ndawo zinkulu ziye zakhatywa amabango asekelwe ekukhutshelweni kokuwohloka ngokuthe ngcembe, ukunqongophala kokugcinwa okanye ukuguga nokukrazuka, kulandelwa ziingxabano malunga noyilo oluneziphene, ulwakhiwo, okanye imathiriyeli.
Kwicandelo leLife, izibonelelo zomngcwabo zibalelwa kwi-46.23% yamatyala asesikweni avaliweyo, alandelwa yimigaqo-nkqubo yobomi ekwi-33.92%, kunye nokukhubazeka okuyi-7.43%.
Amabango alandulayo abe ngoyena nobangela wezikhalazo ngezibonelelo zomngcwabo (50%) kunye nezibonelelo zokukhubazeka (79%), ngelixa unxibelelwano olulambathayo okanye inkonzo (40%) ibingoyena nobangela wezikhalazo ngemigaqo-nkqubo yobomi.
Iziphumo kunye nabamangali
Iziphumo ezixhasa abamangali zahluke kakhulu kumacandelo:
- Ityala, 37%
- Ubomi, 27%
- Ibhanki, 17%
- Ukungaphili, 11%
Amanqaku okwaneliseka kwabathengi ebephezulu kumacandelo anelona nani liphezulu leziphumo ezixhasa abamangali.
Ingxelo irekhoda ulwaneliseko lwama-76% kwiTyala, ama-72% kuBomi, ama-64% kwiiBhanki kunye nama-42% kwabaNgaphi na ubomi. Ezi pesenti zamacandelo zithathela ingqalelo kuphela uphando olubuyiselwe ngempumelelo kwi-NFO.
Ingxelo ithi lo mkhwa ucebisa ukuba imbono yabamangali’ yobulungisa kunye nempumelelo kwiimeko zabo ichaphazela kakhulu ukwaneliseka kwabo ngokubanzi ngenkqubo ye-NFO. Nangona ezinye izinto ezifana nomgangatho wenkonzo, unxibelelwano, kunye nexesha lokusingatha iimeko zinegalelo kumanqanaba okwaneliseka, ukuba nokwenzeka kwesiphumo esilungileyo kuhlala kungomnye wabaqhubi abanempembelelo kwiimpendulo zophando ezilungileyo.
Eli nqaku liguqulelwe kwisiXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
