Bank of Guam

Ewe Bank of Guam, eu bank mi kawoor me Guam, raa angang mi pwaamon me pwiinisou i Federeited Stetus in Maikronesia (FSM). Ra offee angang bank mi apwii niiseniis mi aforow fengen me FDIC in US, me raa kon apwii loan fengen me sefanii moni. Pwiini angang in bank mi aforow me ewe FSM Banking Board, raa fen angang me eu pweche anen bank mi a kon kon. Iei pwisin eu pweche anen ekkewe angang in kireet me bank of Guam me mine e aforow me keechech ewe angang in bank mi a forow me iir i FSM.

Pwisin Ewe Bank of Guam me Anen Angang i FSM

Bank of Guam, mi pwamwe me Guam me raa pwamwe me ewe FSM Banking Board, raa fen angang me eu angang in bank mi kon pwii niiseniis me pwiinisou. Bank of Guam raa fen tori FSM me raa fen pwamwe me ewe kapasen pwaamon in bank in Guam, me FSM Banking Board raa fen awor laisaans pwe raa tongeni angang i FSM. Ewe bank raa fen fori me ewe Jesus S. Leon Guerrero me Jose L.G. Untalan i ewe ier 1972, me raa pwisin chek angang me ew konpani pwiinisou. Anen angang in bank, Bank of Guam raa angang fengen me aramas, bisnes mi kich, kapung in pwiinisou, me ekkewe kapung in moni mi feffeit iteiten. Ra angang i Guam, CNMI, FSM, Palau, RMI, me San Francisco. Angang in bank raa pwiini anen angang mi pwiinisou i ewe komuniti me apwii ekkewe angang mi apwii niiseniis me ewe digitaal.

Ekkewe meeli kei mi amwocho in bank raa pwiini:

• President & CEO: Joaquin R. L.G. Cook
• Board Chair: Jesus S. Leon Guerrero (Ewe mi fori ewe bank)

Ekkewe meeli kei raa pwiini anen ewe bank mi kon pwiinisou me pwiini niiseniis i Micronesia.

Angang in Kireet me Moni mi Aforow me Bank of Guam

Bank of Guam raa offee anen kireet mi kon pwiinisou me pwiini niiseniis mi aforow fengen me aramas me bisnes. Iei pwisin ekkewe angang in kireet mi amwocho:

Kireet Pwiinisou (Personal Loans)

• Ewe Moni mi Kich: E jii pwata.
• Ewe Moni mi Kon: E jii pwata.
• Reit in Moni (APR): E jii chek afor. Ewe reit in moni raa pwiini anen ewe suuk in moni.
• Piin in Apasa: Mi tongeni akkamwe, mi chok pwiini 12 tori 60 maram.
• Fiis: E jii fiis in aanon kireet. Fiis in moni mi nukan raa pwiini anen ewe pwa in kireet.
• Kolaateral: Mi tongeni kireet mi jii kolaateral, are kireet mi kolaateral (are chok awor unum in auto).

Kireet Wenengai (Mortgage Loans)

Kireet in wenengai raa pwiini kireet in moni in awora imw are in apwii ewe imw mi fen pwiini:

• Piin in Apasa: Tori 30 ier.
• Reit in Moni (APR): Mi aforow fengen me ewe suuk (mi tongeni 7-8%; e jii chek afor).
• Fiis: Fiis in achofes, me ekkewe fiis in awora raa pwiini ewe aramas mi kireet.

Kireet Bisnes (Business & Commercial Loans)

Bank of Guam raa offee kireet in bisnes mi kon pwiinisou in apwii anen angang in bisnes, are in awora anen angang in bisnes mi pwiinisou:

• Angang in Kireet: In apwii angang in bisnes (inventory), in apwii fonu, in apwii angang in bisnes mi feffeit, in awora chofon, in apwii anen angang in bisnes.
• Ewe Moni mi Kon: Ra pwiini anen ewe aramas mi kireet, me anen ewe kolaateral.
• Reit in Moni (APR): Mi aforow fengen me ewe suuk (mi tongeni 6-10%; e jii chek afor).
• Piin in Apasa: Tori 20 ier in fonu; 5-7 ier in chofon me angang in bisnes.
• Fiis: E jii fiis in aanon kireet. Fiis in pepa raa tongeni aforow.
• Kolaateral: Anen angang in bisnes, are pwisin pwiinisou in aramas.

Anen Angang (Operations)

Bank of Guam raa offee angang mi apwii niiseniis me mi tongeni tori me chofon me digital. Ra pwiini anen ofis in bank i Yap, Chuuk, Pohnpei, me Kosrae. Angang in digital raa pwiini ap in moopaail (iOS/Android), me website mi pwiini angang in awora moni, apasa kireet, me e-statement.

Aanon Kireet me Moni (Application & KYC)

Ewe aanon kireet raa pwiini pepa mi pwiinisou in aforow anen aramas (passpor are national ID), pepa in pwiinisou fonu, me pepa in pwiinisou moni mi tongeni awora. Ekkewe aanon kireet raa pwiini anen aramas mi angang in kireet mi aforow me FSM. Ekkewe aanon kireet mi kon me kolaateral raa pwiini anen chechech.

Awora Moni me Apasa Kireet (Disbursement & Collections)

Moni in kireet raa tongeni awora me ACH (transfer moni in bank), are awora moni i ewe ofis in bank. Ekkewe apasa kireet raa tongeni pwiini auto-pay, cash, are POS terminal. Bank raa pwiini anen angang in apasa kireet mi nukan, are anen angang in pwaamon in apasa kireet mi kolaateral.

Teknolooji me Anen Angang (Technology & Reach)

Bank of Guam raa kon pwiini anen angang in teknolooji mi apwii niiseniis mi tongeni apwii ekkewe angang in bank. Ap in moopaail raa tongeni tori me iOS me Android, me raa kon pwiini 4.5/5 (e jii chek afor). Ekkewe angang in ap in moopaail raa pwiini:

• Chechech anen moni i ewe bank.
• E-statement (pepa in bank mi digital).
• Angang in transfer moni mi pwii.
• Kalkulaator in kireet.
• Remote deposit capture (awora chek me ap in moopaail).

Bank of Guam raa angang i eu kon kon anen Micronesia, me raa kon angang i Guam, CNMI, FSM, Palau, RMI, me San Francisco. Ra pwiini eu kon kon anen aramas (e jii chek afor: 50,000+ aramas) mi pwiini bisnes mi kich, aramas mi angang in kapung, me aramas mi kireet pwiinisou.

Anen Pwaamon me Laisaans (Regulatory & Compliance)

Bank of Guam raa pwiini anen angang in pwaamon mi pwii niiseniis i FSM. Ra pwiini laisaans me ewe FSM Banking Board, me raa pwiini FDIC in US. FDIC raa pwiini anen moni in bank i ewe Compacts of Free Association. Ewe FSM Banking Board i ewe mi pwiini anen angang in bank i FSM, me US Federal Reserve me FDIC i ekkewe mi pwiini anen bank in US.

Bank of Guam raa pwiini Title 29 in bank in FSM, me raa pwiini AML/CFT (anti-money laundering/combating the financing of terrorism) me raa pwiini chechech me ewe FSM Office of the National Public Auditor. E jii pwiinisou in angang in pwaamon mi nukan mi aforow me FSM (tori 2025). Ra pwiini anen pwapwa in fiis, me angang in apwii aramas mi nukan.

Anen Suuk me Competitor (Market Position & Competitors)

Bank of Guam i ewe bank mi nukan me bank in FSM, me raa kon kon anen moni in bank (kefa fengen me Bank of the FSM). Ekkewe bank mi chok angang fengen me Bank of Guam i FSM i Bank of the FSM, me ekkewe credit union mi pwiinisou, me ekkewe mi awora moni in remittance.

Bank of Guam raa kon pwiini anen angang mi pwiinisou me pwii niiseniis. Depositor moni raa pwiini FDIC in US, raa kon angang i eu kon kon anen Micronesia, me raa kon pwiini anen angang in bank mi pwiinisou i ewe komuniti. Bank raa kon chechech anen angang in awora moni mi digital fengen me ekkewe mi awora moni in moopaail, me raa kon angang fengen me GEDA in apwii kireet in bisnes mi kich.

Anen Aramas mi Angang fengen (Customer Experience)

Aramas raa kon kapase pwiinisou me Bank of Guam, me raa kon pwiini anen angang mi pwiinisou me pwiini niiseniis. E jii pwiinisou in kapase nukan in logon i ewe digital. Ekkewe ofis in bank i FSM raa angang me aramas mi pwiinisou me Micronesia. E jii lain in telifon 24/7 in apwii aramas mi nukan, are in kapase nukan mi pwiinisou. Bank of Guam raa kon apwii anen angang in pwiinisou in skul i FSM, me raa kon apwii 1,200+ studen.

Kaping mi Aforow in Loan (Practical Advice for Potential Borrowers)

Iei pwisin kaping mi aforow in aramas mi pwiinisou in kireet me Bank of Guam i FSM:

1. Chechech Mine Keechech: Pwiinisou in chechech ekkewe angang in kireet mi aforow me Bank of Guam. Kireet pwiinisou, kireet wenengai, are kireet bisnes, chechech mine keechech i ewe angang mi aforow me kee.
2. Aforow Pepa mi Pwiinisou: Pwiinisou in aforow pepa mi pwiinisou in aanon kireet, ewe kapasen pwaamon in anen aramas (ID), pepa in pwiinisou fonu, me pepa in pwiinisou moni mi aforow.
3. Chechech Fiis me Reit in Moni: Pwiinisou in chechech ekkewe fiis mi aforow fengen me kireet, me reit in moni (APR). Pwiinisou in kapase me ekkewe mi angang i bank in aforow mine keechech.
4. Apasa Angang in Digital: Pwiinisou in apasa ewe ap in moopaail in Bank of Guam. Ewe ap raa tongeni apwii kee in chechech anen moni me apasa kireet mi pwii niiseniis.
5. Kapase me Aramas in Bank: Ekkewe aramas mi angang i ofis in bank i FSM raa kon pwiinisou. Kapase me iir in aforow mine keechech i ewe aanon kireet.
6. Apasa Kireet mi Pwaamon: Pwiinisou in apasa kireet mi pwii niiseniis me mi tongeni apasa. E jii pwisin angang in kireet mi nukan.

Bank of Guam raa angang me eu bank mi kon pwii niiseniis me pwiinisou i FSM. Ra offee angang in kireet mi apwii niiseniis me angang in bank mi pwiinisou. Fengen me FDIC in US me FSM Banking Board, Bank of Guam raa pwiini anen angang in bank mi kon pwii niiseniis i Micronesia. Pwiinisou in chechech mine keechech me kapase me ekkewe mi angang i bank in aforow mine keechech i ewe angang mi aforow me kee.