Benki za Biashara Tanzania zinaogelea kwenye faida. Je, nini kimefanyika awamu ya sita?

Benki za Biashara Tanzania zinaogelea kwenye faida. Je, nini kimefanyika awamu ya sita?

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AGGGOT TZ said:
Promising time as Tanzania's banking sector set for record profit
MONDAY NOVEMBER 01 2021

Bank pic
Summary
Shareholders of commercial banks must be wearing smiles as the banking sector edges closer to a record profit this year
An analysis of 13 out of the 14 most profitable commercial banks in Tanzania shows that they cumulatively registered a total of Sh471 billion in net profits during the period between January and September 2021.
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Josphine picBy Josephine Christopher
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Dar es Salaam. Shareholders of commercial banks must be putting on broad smiles as the banking sector is set to register a record profit this year.

An analysis of 13 out of the 14 most profitable commercial banks in Tanzania shows that they cumulatively registered a total of Sh471 billion in net profits during the period between January and September 2021.

The amount – which was characterised by declining levels of Non-Performing Loans (NPLs) by most lenders - is 35.7 percent higher than the Sh347.2 billion that the 13 entities went home with during a similar period last year.

The highest amount in profits to be registered by commercial banks in Tanzania’s recent history, was Sh438 billion that was recorded in 2015.

Since then, the amount kept going down, reaching Sh423 billion and Sh286 billion in 2016 and 2017.

This means that the Sh471 billion that was registered during the first nine months of the current calendar year is also 7.53 billion higher than the net profit for the entire 2015 calendar year.

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As it has always been, the two largest lenders (NMB Bank and CRDB Bank) got the lion’s share of the sector’s net profit, accounting for close to 80 percent (Sh379 billion) of the Sh471 billion.

CRDB Bank’s net profit tax rose significantly by 39.2 percent to Sh168 billion during the first nine months of the current calendar year from Sh120 billion recorded during a similar period last year.

Similarly, that of NMB Bank rose by 43 percent Sh206 billion.

Top executives of the lenders attribute the rise in profits to a number of factors, including the stability of Tanzania’s economic conditions and accommodative monetary policy measures as adopted by the Bank of Tanzania (BoT). They also attribute the performance to individual bank’s initiatives in aspects such as optimizing costs and prudent approach to risk management among others.

“….reflects continued stability in economic conditions and accommodative monetary policy measures adopted by the BoT. Our strategy execution remains on track, with our continued market share gains translating into higher profits. We continue to maintain a relentless customer focus and have seen strong lending and deposits growth momentum throughout the period,” said NMB Bank chief executive officer, Ms Ruth Zaipuna.

For CRDB Bank, the rise in profits was largely due to prudent approach to risk management and the efficacy of the bank’s digital-first customer-centric business strategy which, according to CEO Abdulamajid Nsekela, helped keep loan growth steady while still being able to moderate cost in the period.

“Once again, the Bank has shown resilience in delivering on its commitment to shareholders, stakeholders, and the investing public as evident in the strong positive financial metrics recorded in the reporting period. We are focused on driving efficiencies while maintaining strong controls, and we are confident of achieving the Bank’s 2021 targets,” he said.

At the peak of the global Covid-19 pandemic last year, the BoT came up with various measures to cushion the economy from the adverse impacts of viral disease.

The BoT cut the discount rate from seven percent to five percent and reduced the statutory minimum reserves (SMR) requirement from seven percent to six percent effective from June 2020 to boost liquidity. It also allowed the commercial banks to discuss with their customers the possibility of restructuring loans and asked them, in collaboration with mobile network operators, to increase transaction limits from Sh3 million to Sh5 million and daily balance from Sh5 million to Sh10 million.

With a cummulative net profit of Sh26.12 billion, the National Bank of Commerce (NBC) was third in terms of profitability. It must also be remembered that during a similar period last year, the lender reported a Sh9.23 billion loss due to some legal obligations.

In the fourth slot was Standard Chartered which recorded a cumulative net profit of Sh24.51 billion while KCB Bank came fifth with a net profit of Sh11.15 billion. Absa Tanzania and Diamond Trust Bank came sixth and seventh respectively with a profit after tax of Sh9.43 billion and Sh8.48 billion respectively.

The eighth, ninth, 10th, 11th, 12th and 13th positions were occupied by Citibank (Sh6.87 billion), Exim Bank (Sh4.66 billion), Bank of Africa (Sh4.49 billion), I&M Bank (Sh3.41 billion), Azania Bank (Sh1.35 billion) and Stanbic Bank (Sh177 million) in that order.


www.thecitizen.co.tz

Promising time as Tanzania's banking sector set for record profit

Shareholders of commercial banks must be putting on broad smiles as the banking sector is set to register a record profit this year.
www.thecitizen.co.tz www.thecitizen.co.tz
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Ukiingia bank hakuna watu lakini wanapata faida sasa siju wanapataje?
 
Propaganda zimekua nyingi sana.mabenki yamepunguza kugawa mikopo mtaani mfano kwa wakulima huku wakisema kilimo hakibenkiki.

Nyie mnasema mikopo kwa watu imeongezeka.

Siujui uchumi ila kwa akili ya kawaida tu,hizo faida unazozisema za mabenki ni matokeo ya makato/kodi za makumpuni makubwa km migodi na mengine ila sio kutoka kwa mtanzania mmojammoja wa kawaida.hivyo wanaofaidika ni hao wenye makampuni na sio walalahoi.
 
chase amante said:
Propaganda zimekua nyingi sana.mabenki yamepunguza kugawa mikopo mtaani mfano kwa wakulima huku wakisema kilimo hakibenkiki.

Nyie mnasema mikopo kwa watu imeongezeka.

Siujui uchumi ila kwa akili ya kawaida tu,hizo faida unazozisema za mabenki ni matokeo ya makato/kodi za makumpuni makubwa km migodi na mengine ila sio kutoka kwa mtanzania mmojammoja wa kawaida.hivyo wanaofaidika ni hao wenye makampuni na sio walalahoi.
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Niwao wamesema wala sio serikaLi
 
Mama ni Supersub yaani ni mwendo wa positive results tuu.
 
AGGGOT TZ said:
Mtakumbuka kwamara ya mwisho mabank yetu ya biashara hapa Tanzania kurekodi faida ya kihistoria ya tangu uhuru ilikuwa ni mwaka 2015 pale ambapo yaliporekodi Jumla ya faida ikiwa ni baada ya kodi ya Tshs 438BL,

Kwamiaka mitano mfululizo iliyopita mabank haya hayajaweza kuivunja rekodi hii zaidi sana wakati flani faida zao zilishuka mpaka kufikia Jumla ya Tshs 286 yaani mwaka 2017 hii ni Jumla ya faida kwa mabank yote ya biashara nchini,

Leo chini ya Rais Samia Suluhu Hassan tena kwa kipindi cha Jan -Sept tu mabank hayohayo kwenye nchi hii hii yameivunja ile rekodi iliyowekwa na Mzee Jakaya Kikwete ya Tshs 438BL kwa zaidi ya 7.53% na hii ni robo tatu tu ya mwaka,

Kwalugha rahisi miezi michache ya Rais Samia mabank yamevunja rekodi ya faida ya tangu uhuru ambayo ilivunjwa na Mzee Jakaya Kikwete kwa Tshs 438BL leo Samia ameivunja kwa Tshs 471BL na hii ni kwa miezi tu, tunaposema Rais Samia hakamatiki tunamaa hii ndungu zangu Watanzania,

Kwa tathimini iliyofanywa kwa mabank 13 ya kibiashara nchini kati ya 14 yanayotengeneza faida NMB na CRDB wamebeba 80% ya faida yote ya Tshs 471BL kwa kuwa na faida ya Jumla ya Tshs 379BL,Wakati huohuo NPL yaani Non Performing Loans au mikopo " Chechefu " ikishuka na kufikia chini ya 35.7% kwa baadhi ya mabank huku thamani yake ikupungua kutoka tshs 395.69BL mwaka 2020 hadi tshs 392.4BL kwa lugha ya kibank (arrears -zimepungua )

Sababu kubwa yaongezeko hili kubwa la Faida kwa mabank ya biashara nchini zinatajwa kuwa ni Sera nzuri za ki-Uchumi za Serikali ya awamu ya Sita pamoja na miongozo mathubuti toka BOT kama mlezi wa mabank haya hasa kwenye kupunguza vipimo vya risk kwenye utoaji mikopo ikiwa ni pamoja na kutoa fedha maalumu "Stimulating fund " kiasi cha Tshs 1trl ili kuziongezea ukwasi Bank zetu za biashara zilizokaukiwa hii imesaidia sana kuinua sekta ya fedha ambayo utoaji mikopo umepanda toka 2.5% 2020 hadi 9.8% hivi sasa,

Kwamsiofahamu zaidi ya 80% ya faida yote ya mabank ya biashara inabebwa na mikopo na Ukiona mabank yanapata faida sana maana yake yamekopesha sana na wateja wao wameweza kurejesha mikopo yao ( EMI) kwa wakati na ndio tunasema NPL imeshuka au mikopo isiyolipika|chechefu imepungua na ndio sababu faida imepanda na kwa maana hiyo biashara mtaani inakua au inakwenda vizuri ndio maana mteja X aliyekopa bank Y ameweza kuchukua mkopo Bank na kununua bidhaa na kisha kuuza na mwisho kupeleka marejesho ya Bank kwa wakati yaani ( Purchasing Power-Uwezo wa kununua ) umeongezeka Tanzania, Hongera Sana Rais Samia hakika unaupiga mwingi,


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Hongera sana mwandishi,
Umetuzibua nacho na masikio,
Hakika Rais Samia ni levels zingine,
 
Kama hiyo record ni ya Jan - Sept inabidi pia apongezwe Magufuli.
Mikopo mikubwa ina process refu na kama kuna makampuni makubwa ya madini yalikopa kama mchangiaji mmoja alivyogusia hapo juu. Process zao za kukopa zilianza muda mrefu!
 
babu M said:
Kama hiyo record ni ya Jan - Sept inabidi pia apongezwe Magufuli.
Mikopo mikubwa ina process refu na kama kuna makampuni makubwa ya madini yalikopa kama mchangiaji mmoja alivyogusia hapo juu. Process zao za kukopa zilianza muda mrefu!
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Ndio apongezwe kwa mwezi mmoja
 
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