Dear Valued Members,
We are currently experiencing intermittent access to all digital services including Poro Cards. Our Team is working to restore all services as quickly as possible.
For urgent assistance, please contact our Call Centre Team on 207 2000 or email callcentre@ncsl.com.pg.
We apologize for the inconvenience and thank you for your patience.
Thank you for being a valued member!
NCSL Savings and Loan was at the Atlas Steel PNG – Baruni during its Open House Day showcasing our financial solutions to interested home-owners on Saturday, December 6, 2025.
NCSL’s dedicated Business Relations Team was on-site to share detailed information about its savings and loan products, focusing on its flexible personal lending products that help members finance home
purchases even without a dedicated home loan product. Through higher ratio loans such as 1:2 and 1:5, members can maximize their savings to access funding for major expenses, including housing.
Several non-member visitors also ended up registering their membership to NCSL via the Wokabaut Tablet and MyNCSL member online. These new members received their membership numbers and had their accounts opened instantly marking the beginning of their financial journey with NCSL.
Among NCSL were other corporate entities like the National Superannuation Fund, National Banking
Corporation Ltd, Bank South Pacific Ltd, Nambawan Supa Ltd and few others.
The festive season is here and it’s a time for family, joy, and giving but we all know it can also mean extra costs for travel, celebrations, and gifts. If you have a savings account with NCSL with interest payments up to 6%* but perhaps didn’t have an opportunity to save enough to cover all those costs, we as NCSL Savings and Loan can provide with an easily accessible and affordable personal loan.
Our 1-to-1 Personal Loan is designed to make life simpler — and here’s why our members love it.
• Borrow up to the value of your savings
• Borrow starting from just K200
• Affordable interest rate of 14%* per annum
• No account maintenance fees
• Instant approval
• Funds deposited straight into your Poro Account
• No paperwork. No queues. No delays.
Applying is quick and simple by using MyNCSL Member Online or dialling *628# on your mobile phone. Once you apply, the approval will be instant, and your funds ready to use. “We know how important it is for our members to access funds quickly, especially during the festive season or in times of urgent need,” says Gila Ebenosi, Head of Digital Services at NCSL. “Our digital services make borrowing easier, faster, and more secure.”
It’s part of NCSL’s promise as a responsible lender to make financial services simple and easily accessible. With our 1 to 1 personal loan, we’ve taken the hassle out of borrowing so you can enjoy a peace of mind and celebrate without worry.
*Terms and conditions apply and rates are subject to change.
Joining NCSL Savings and Loan isn’t just about opening a savings account—it’s about becoming
part of something bigger. As a member, you become a shareholder, giving you the right to
access some of the best financial services available in Papua New Guinea.
Enjoy easy and convenient access to savings and loan products with competitive rates through
any of our 20 branches nationwide, online via our website, or directly from your mobile
phone—anytime, anywhere.
We are continuously working to enhance our services and provide informative presentations to
help you choose the products that best suit the needs of you and your family.
Over the 22 years, we have assisted countless members meeting everyday needs to achieving
goals.
Here we featured some of the testimonials from our members.
Mary – Catholic Bishop Conference PNG & Solomon Islands
“I have been a member with NCSL for 13 years and my savings with NCSL especially General and
Education savings has enabled me to pay for my children’s school fees over the years”
Caroline – Airways Hotel
“Through the support of the payroll team of my employer, I have been contributing to my
savings account as a NCSL member for 8 years. I have been using my interest earned savings to
fund my holidays trips back to my home village during the festive period.”
Wayne – ExxonMobil
“Through NCSL’s 1:5 loan product—which allows members to borrow up to five times the value
of their savings—I was able to purchase a Toyota Harrier SUV in July 2022 and pay nearly
K12,000 in school fees for my son. These achievements have significantly supported both my
personal and family needs.”
Esther – WaterPNG
“My savings with NCSL has been my lifeline assisting me with my medical bills. I have been a
member with NCSL for 6 years now.”
Edith – Aviat Club
“I am a member with NCSL since 2007. My savings have grown over the years and I have used to
attend to customary obligations, family needs and build myself a house.”
Thanks to our members
It is because of our members that we have grown, evolved and innovated achieving
transformative milestones. As we reflect on our 22-year journey, we are humbled by the
milestones we’ve achieved as each one is a testament to the trust and growth shared with our
members;
• 2005: Introduced Discount Program for Members
• 2010: SaveBal Service launched
• 2016: Biometric Identification System Introduced
• 2017: NCSL Constitution amended to open membership to open to non-Nasfund members (public)
• 2015: Online Services introduced
• 2019: Poro Card & EFTPoS introduced. First non-bank financial institution to participate in retail electronic payment system
• 2020: Introduction of Higher ratio Loans. NCSL rebrands with facelift of new logo.
• Introduction of Higher Ratio loan.
• 2022: Rolled out Wokabaut Tablets to register new members instantly at employer sites
• 2023: New Call Centre Established at NCSL Head Office
• 2024: Implemented a new system. Introduced enhanced version of MyNCSL Member Online and YourNCSL Employer Online
Over time, NCSL has become more than a financial institution. It became a partner in progress, a
source of stability, and a symbol of empowerment through financial literacy training, focussing
on creating a savings culture and responsible lending. Members feel noticed, supported, and
valued. Not just for what they save, but for who they are and what they aspire to achieve within
their respective families, clan, tribe and modern-day community
In celebrating 22 years, NCSL isn’t just marking time, it’s honouring any of the 160 000 of life
journeys we have helped shape. And for every member, our journey together continues.
“NCSL exists because of our members — they are the foundation of everything we do. Our
purpose is to serve them with integrity, innovation, and care, ensuring their financial wellbeing
remains at the heart of every decision we make.” Said CEO Frans Kootte.
From humble beginnings NCSL’s history is a living testament of our journey with our loyal
contributors.
This month, NCSL Savings & Loan Society celebrates 22 years of service — not just as a savings and loan
institution, but as a community built on trust, loyalty, and shared purpose. This milestone isn’t ours alone.
It belongs to you, our members, whose belief in us has shaped every step of our journey.
From just 14,002 members in 2003 to over 150,000 today speaks volumes. Your loyalty has transformed
NCSL from a small operation in Boroko in theNation’s Capital into one of PapuaNew Guinea’s most trusted
financial service providers. Every kina saved, every loan approved, and every goal achieved reflects your
commitment and our promise to financially walk beside you.
We’ve grown together. We’ve faced challenges together. And through it all, we’ve built something more than
financial services — we’ve built a connection, a relation, a community and a family.
At NCSL, we do not just offer products. We offer possibilities understanding our Melanesian culture and
way of life. Our simple yet affordable products are developed to meet every financial need.
Over the years, NCSL has embraced change and innovation, introducing other new products and services
expanding its suite of offerings with the intention to make your financial journey simpler, safer, and more
rewarding.
Chief Executive Officer Frans Kootte said, “This milestone stands as a powerful reflection of the trust our members have placed in us – NCSL Savings & Loan over the years. It highlights the strength of our growing membership and the enduring values that continue to shape our journey.”
“To those who’ve been with us from the beginning thank you. To those who’ve joined along the way, welcome. And to those who are yet to become part of our story we invite you to take the first step,” said Mr. Kootte. Join a Savings & Loan like NCSL that puts you first. Join to see financial benefits that changes and improves lives. Join NCSL where your goals become our mission.
For over 20 years, NCSL Savings & Loan has humbly as Papua New Guinea’s leading member-owned financial institution. With over 150, 000 contributors nationwide, we’ve built a legacy of trust, innovation,
and service delivering savings and loan solutions that are not only secure and accessible but importantly tailored to the everyday needs of our people. Our mission to improve lives through digitally driven financial services continues to shape the future of savings and loan in PNG, and the experiences our members share continue to inspire and guide us.
One such story is that of Tau Bega who joined NCSL on July 7, 2025. For Tau, this wasn’t just another financial institution, it was a transformative experience rooted in convenience, efficiency, and genuine member care. As a professional in the lending sector, Bega is well-versed in financial services. Yet, what he discovered at
NCSL left a lasting impression. “I’m truly impressed by the speed of applying for a personal loan 1:1, just a few keystrokes and it’s done,” he shared. “It’s a game-changer.” His journey began with a Seivins Chat Presentation conducted by NCSL’s Ms. Vicky Moriani, Customer
Service Consultant in Alotau. Her patient and knowledgeable guidance through the online registration and
loan process exemplifies the heart of NCSL’s member-first approach. “Her support made the entire experience seamless,” Bega said with appreciation. What sets NCSL apart, according to Bega, is not just the technology but the thoughtfulness behind it.
The MyNCSL App, available on the Playstore and online, gives members direct access to their accounts anytime, anywhere. “It personalizes your services,” he said, “giving clients control and convenience on the
go.”
But it’s the Personal Loan product that truly stands out. “Highly recommended,” Bega emphasized. “It’s extremely flexible and user-friendly, cutting out the traditional bulky loan application forms. And the turnaround time? Next to none.”
Beyond loans, Bega praised NCSL’s wide range of savings products designed to meet the practical needs of Papua New Guinea’s working class. With competitive interest rates and a member-first approach, NCSL continues to redefine what convenient digital services can look like. “I’ll definitely recommend NCSL to others seeking convenience including my family members,” Bega said. “It’s not just a service; it’s a smarter way to manage your money.”
