embu itaje hiyo sources kwanza , maana ninachojua mimi barclays ndio wamenunua nbc sasa hivi. sasa wanunue afu ghafla tu washindwe iendesha
National bank of commerce is under bank of tanzania......
National bank of commerce is under bank of tanzania......
- Thread starter majany
- Start date
embu itaje hiyo sources kwanza , maana ninachojua mimi barclays ndio wamenunua nbc sasa hivi. sasa wanunue afu ghafla tu washindwe iendesha
majany
JF-Expert Member
- Sep 30, 2008
- 1,223
- 585
- Thread starter
- #23
Heee...wewe sio mzima kabisa....B.O.T wakae kimya kwa sababu wakubwa wa NBC wanafanya blanders....haitakuja kutokea..kwa hiyo wewe ungekua ni chombo cha maamuzi ungeacha kutangaza LIBOR scandal ya barclays kisa ni benki kuuubwa duniani????
Vitu haviendi hivyo mkuu,hata li benki liweje,ikifikia kuna indicators za kuanguka,lazima,narudia,LAZIMA central bank wachukue hatua,na kuiweka hali yake in public ni mojawapo.
Mkuu,
Uhai wa benki unategemea sana good governance kwenye idara mbalimbali kama aina ya mikopo yake (asset quality), idara ya uendeshaji (Technology and operations), treasury, finance nk.
Kilichotokea NBC ni kwamba utawala bora umekiukwa kwenye idara mbalimbali. Benki kuu kama regulator wanasimamia benki hiyo ili kuangalia taratibu na uendeshaji zilikiukwa kwa kiwango gani. Mfano, Idara ya mikopo inaweza kuwa na mikopo ambayo hailipiki, kulingana na (Banking and Financial Institutions Act 2008) regulations benki husika lazima ifanye kitu kinachoitwa provision (kupungua faida yake kulingana hali halisi ya mikopo hiyo). Kiwango provision kiko kama ifuatavyo:
(1) 5%-huitwa especially mentioned
(2) 10% - substandard
(3) 50% - Doubtful
(4) 100% - Loss
Mara nyingi kama uongozi ni lege lege kwenye mikopo provisions huwa hazifanyiki ipasavyo. Hii husababisha benki kuonyesha kuwa inafanya vizuri kifaida wakati hali halisi si hivyo. Benki kuu ikiliona hili huiagiza benki kufanya additional provisions. WanaJF tusubiri ili tujue ni lipi kati ya haya yatakuwa yameikumba NBC.
Kivumah
JF-Expert Member
- Jan 7, 2008
- 2,427
- 1,054
..Kuna tangazo linarushwa hivi sasa katika Media(Redio) kwamba mteja wa NBC anapo deposit fedha ktk akaunti yake ya NBC kile kiwango kita double(Bank itamuongezea mara mbili ya kile alicho-deposit). Sijaelewa hili maana yake ni nini ukizingatia hali iliyopo ktk hio Bank
Rejao
JF-Expert Member
- May 4, 2010
- 9,219
- 4,064
Ni strategy wanayoitumia kuattract deposits. Ukiona hivi ujue kweli hali yao ni mbaya.
Maundumula
JF-Expert Member
- Nov 4, 2010
- 7,553
- 3,081
R u sure? basi kama ni hivyo hiyo itakuwa ni short term strattegy ya kuwa retain customers wasitoe pesa na kufunga account. Ila kiukweli hamna benki inayoweza ku afford kufanya hivyo.
rodrick alexander
JF-Expert Member
- Feb 12, 2012
- 16,784
- 23,312
kazi ya bank kuu ni kuangalia utendaji wa kila siku wa bank zote hivyo kama kuna matatizo wanaingilia haraka ili kuokoa pesa za wateja
Nbc ilikuwa inaendeshwa kiajabu na waliochangia ni wafanyakazi kwa wizi wa kijinga na mikopo isiyo na tija mfano lakini wa ukweli kulikuwa na mkataba wa kukopeshwa magari mteja anakopa gari hasa ya biashara kama fuso au malori na bank inamlipia ila bank walikuwa na mtu wao anayeuza magari kuna mhindi mmoja yupo pugu road wakopaji walikuwa wanachajiwa bei ya gari mpya lakini yule mhindi kwa kushirikiana na watu wa benki akawa anawauzia magari yaliyotumika na tena siyo imara.Mtu anapewa gari baada ya miezi michache bovu na hapo anatakiwa alipe mkopo wengi waligoma na kwa sababu dhamana ilikuwa ni gari benki iliyachukua na kuyapiga mnada.Kwa sababu magari hayo yalikuwa mabovu hayakuweza kurudisha gharama angalau nusu za mkopo hii ni mikopo ambayo imechangia kwa kiasi kikubwa kuyumbisha hali ya kifedha NBC.
Pia kulikuwa na wizi mtu anakuta pesa imetolewa kwenye akaunti yake au kampuni bila yeye kujua kutokana na hali hiyo wateja wengi walihama benki hiyo.
Pamoja na kulaumu wawekezaji na sisi huwa tunachangia kwa kiasi kikubwa kuhujumu mashirika yetu ndio maana kila siku unaona picha za watu wanatafutwa kwa wizi
Nbc ilikuwa inaendeshwa kiajabu na waliochangia ni wafanyakazi kwa wizi wa kijinga na mikopo isiyo na tija mfano lakini wa ukweli kulikuwa na mkataba wa kukopeshwa magari mteja anakopa gari hasa ya biashara kama fuso au malori na bank inamlipia ila bank walikuwa na mtu wao anayeuza magari kuna mhindi mmoja yupo pugu road wakopaji walikuwa wanachajiwa bei ya gari mpya lakini yule mhindi kwa kushirikiana na watu wa benki akawa anawauzia magari yaliyotumika na tena siyo imara.Mtu anapewa gari baada ya miezi michache bovu na hapo anatakiwa alipe mkopo wengi waligoma na kwa sababu dhamana ilikuwa ni gari benki iliyachukua na kuyapiga mnada.Kwa sababu magari hayo yalikuwa mabovu hayakuweza kurudisha gharama angalau nusu za mkopo hii ni mikopo ambayo imechangia kwa kiasi kikubwa kuyumbisha hali ya kifedha NBC.
Pia kulikuwa na wizi mtu anakuta pesa imetolewa kwenye akaunti yake au kampuni bila yeye kujua kutokana na hali hiyo wateja wengi walihama benki hiyo.
Pamoja na kulaumu wawekezaji na sisi huwa tunachangia kwa kiasi kikubwa kuhujumu mashirika yetu ndio maana kila siku unaona picha za watu wanatafutwa kwa wizi
Mfano kama huu wa ukopeshaji, NBC inatakiwa ifanye provision ya kutosha kulingana muda ambayo mkopo umekuwa mbaya. Huu ni mfano wa ukopeshaji mbovu.
Maundumula
JF-Expert Member
- Nov 4, 2010
- 7,553
- 3,081
Si unajua kibongobongo ukute hizo provision zilikuwa magumashi na BOT wakija kwenye examinations wanaangalia juu juu watu wanawapiga chenga za mwili. Na lawama pia ziwaendee Internal Auditors na External maana haiwezekani wao wapo hapo halafu wanashindwa kushauri. BOT wakichukua waanze kuangalia hapo kwenye wakaguzi wa ndani na kitengo cha RISK ikiwezekana hizi dept mbili zifumuliwe maana watakuwa wana role kubwa wao ya kufikisha mambo hapo yalipo.
controler
JF-Expert Member
- Jul 3, 2012
- 1,562
- 361
Sasa NBC iyumbe mara ngapi wakati ipo ICU inangoja tu kukata roho? na watu wanatoa hela kama hawana akili nzuri.
controler
JF-Expert Member
- Jul 3, 2012
- 1,562
- 361
Vijihela vyenyewe vilishachukuliwa bot na serikali LOOlz
rmashauri
JF-Expert Member
- Jan 29, 2009
- 3,011
- 456
Kuna haja ya kufahamu share holders wa benki kabla ya kufungua akaunti kwenye benki fulani. NBC serikali ina share ya 30 % huku makaburu wanamiliki 55 % na 15 % inamilikiwa na Internatianla Finance Corporation. Kwahiyo hapa makaburu wana maamuzi makubwa zaidi. Ikumbukwe kuwa kuna kipindi ilishawahi kuripotiwa kuwa hawa makaburu walikuwa na kawaida ya kuhamisha kiasi kikubwa cha pesa na kupeleka kwao. Kuna kipindi walihamisha bilioni 30. Na habari zisizo rasmi zinasema kuwa makaburu walishaapa kutofanya kitu chochote cha maendeleo kwa TZ eti kwasababu tulisaidia ukombozi wa watu weusi huko. Angalia walivyoimaliza ATCL, Tanesco (Netgroup solution) na pia hawa ngo wezi wakubwa wa Tanzanite yetu kupitia kampuni yao ya AFGEM.
Mkuu, makaburu si wa kulaumiwa. Tujiangalie wenyewe na uzuzu waserikali yetu.
Waridi
JF-Expert Member
- Mar 30, 2008
- 1,025
- 172
Ni vizuri tukafahamu hizi benki ni za nani hasa ili tujadiliane vizuri
NBC
[TABLE="class: wikitable sortable jquery-tablesorter"]
[TR]
[TH="class: headerSort"]Rank[/TH]
[TH="class: headerSort"]Name of Owner[/TH]
[TH="class: headerSort"]Percentage Ownership[/TH]
[/TR]
[TR]
[TD]1[/TD]
[TD]Absa Group Limited of South Africa[/TD]
[TD]55.0[/TD]
[/TR]
[TR]
[TD]2[/TD]
[TD]Government of Tanzania[/TD]
[TD]30.0[/TD]
[/TR]
[TR]
[TD]3[/TD]
[TD]International Finance Corporation[/TD]
[TD]15.0[/TD]
[/TR]
[TR]
[TD]4[/TD]
[TD]TOTAL[/TD]
[TD]100.0[/TD]
[/TR]
[/TABLE]
CRDB
[TABLE="class: wikitable sortable jquery-tablesorter"]
[TR]
[TH="class: headerSort"]Rank[/TH]
[TH="class: headerSort"]Name of Owner[/TH]
[TH="class: headerSort"]Percentage Ownership[/TH]
[/TR]
[TR]
[TD]1[/TD]
[TD]Investors Owning Less Than 1%[/TD]
[TD]50.7[/TD]
[/TR]
[TR]
[TD]2[/TD]
[TD]Danish International Development Agency[/TD]
[TD]21.5[/TD]
[/TR]
[TR]
[TD]3[/TD]
[TD]Investors Owning Between 1.0% and 2.0%[/TD]
[TD]10.2[/TD]
[/TR]
[TR]
[TD]4[/TD]
[TD]Tanzanian Parastatal Pension Fund[/TD]
[TD]10.0[/TD]
[/TR]
[TR]
[TD]5[/TD]
[TD]Tanzania Public Service Pension Fund[/TD]
[TD]3.3[/TD]
[/TR]
[TR]
[TD]6[/TD]
[TD]Blakeney General Partners III[/TD]
[TD]2.3[/TD]
[/TR]
[TR]
[TD]7[/TD]
[TD]Tanzania Local Governmeent Pension Fund[/TD]
[TD]2.0[/TD]
[/TR]
[TR]
[TD]8[/TD]
[TD]TOTAL[/TD]
[TD]100.0[/TD]
[/TR]
[/TABLE]
NMB
[TABLE="class: wikitable sortable jquery-tablesorter"]
[TR]
[TH="class: headerSort"]Rank[/TH]
[TH="class: headerSort"]Name of Owner[/TH]
[TH="class: headerSort"]Percentage Ownership[/TH]
[/TR]
[TR]
[TD]1[/TD]
[TD]Rabobank of the Netherlands[/TD]
[TD]34.9[/TD]
[/TR]
[TR]
[TD]2[/TD]
[TD]Government of Tanzania[/TD]
[TD]30.0[/TD]
[/TR]
[TR]
[TD]3[/TD]
[TD]Private Investors via DSE[/TD]
[TD]21.0[/TD]
[/TR]
[TR]
[TD]4[/TD]
[TD]National Investment Company Limited (NICOL)[/TD]
[TD]6.6[/TD]
[/TR]
[TR]
[TD]5[/TD]
[TD]Exim Bank (Tanzania)[/TD]
[TD]5.8[/TD]
[/TR]
[TR]
[TD]6[/TD]
[TD]TCCIA Investment Company Limited[/TD]
[TD]1.7[/TD]
[/TR]
[TR]
[TD]7[/TD]
[TD]TOTAL[/TD]
[TD]100.0[/TD]
[/TR]
[/TABLE]
Kwa vielelezo hivyo, ni ipi ambayo ni mali ya watanzania zaidi? Mimi nadhani ni CRDB, japo NMB inahudumia 'makabwela' bado si mali yao kihivyo.
Waridi
JF-Expert Member
- Mar 30, 2008
- 1,025
- 172
Mkuu Majany,
Kama ungeleta story yote namna hii, ingependeza zaidi;
[TABLE="class: contentpaneopen"]
[TR]
[TD="class: contentheading, width: 100%"]NBC Ltd operations put under Bank of Tanzania [/TD]
[/TR]
[/TABLE]
[TABLE="class: contentpaneopen"]
[TR]
[TD]Written by TIMES REPORTER [/TD]
[/TR]
[TR]
[TD="class: createdate"]Friday, 10 August 2012 10:13 [/TD]
[/TR]
[TR]
[TD]
OPERATIONS of one of the largest banks in Tanzania, NBC Limited, have been placed directly under the Bank of Tanzania following reports of multiple allegations of wrongdoing and bad corporate governance.
Sources from financial circles in Dar es Salaam have it that the central bank (BoT) has taken charge of the bank's operations following the suspension of its chief executive officer, Lawrence Mafuru, in July 20 this year. The move came after a whistle-blower's complaint.
According to the sources, the BoT measure is aimed at putting the bank in a clearer situation, after reports indicating that it was sailing in rough financial seas, with ominous implications for its clients and the financial sector as a whole! Mafuru, who assumed the post two years ago, was sent on leave on July 20, after the NBC Board and the ABSA Group decided to embark upon investigations into the allegations.
ABSA, the South African bank that is controlled by Barclay's Plc, owns 55 per cent of the NBC in Tanzania. ABSA has been scrutinized by investors and analysts since saying on June 26 that its profit may fall by as much as ten per cent after it failed to set aside enough money for bad debts.
After sending the bank's executive on special leave, ABSA has also launched an internal investigation into bad debt provisions, the South Africa-based 'Business Times' reported on July 22, citing David Hodnett, a financial director.
However, ABSA confirms that there is no link between the two events! The bank, which is 30 per cent-owned by the Government of the United Republic of Tanzania, has entered into a management crisis, following reports of financial mismanagement. Efforts to get top officials of the Banking Supervision Department of the Bank of Tanzania yesterday for clarification failed as the director was reportedly at a high level meeting at the central bank.
While this was happening, Tanzania is now ensnared in multiple investigations of wrongdoing which seem to be dragging along, with new scandals arising with the passage of time! "The 'worst practices' in banks are sort of unnecessary; but chaos in NBC shows that realism is vital in that direction," a reliable source from the financial sector told Business Times.
[/TD]
[/TR]
[/TABLE]
kikahe
JF-Expert Member
- May 23, 2009
- 1,350
- 282
NBC Ltd operations put under Bank of Tanzania
Written by TIMES REPORTER
Friday, 10 August 2012 10:13
OPERATIONS of one of the largest banks in Tanzania, NBC Limited, have been placed directly under the Bank of Tanzania following reports of multiple allegations of wrongdoing and bad corporate governance.
Sources from financial circles in Dar es Salaam have it that the central bank (BoT) has taken charge of the bank's operations following the suspension of its chief executive officer, Lawrence Mafuru, in July 20 this year. The move came after a whistle-blowers complaint.
According to the sources, the BoT measure is aimed at putting the bank in a clearer situation, after reports indicating that it was sailing in rough financial seas, with ominous implications for its clients and the financial sector as a whole! Mafuru, who assumed the post two years ago, was sent on leave on July 20, after the NBC Board and the ABSA Group decided to embark upon investigations into the allegations.
ABSA, the South African bank that is controlled by Barclay's Plc, owns 55 per cent of the NBC in Tanzania. ABSA has been scrutinized by investors and analysts since saying on June 26 that its profit may fall by as much as ten per cent after it failed to set aside enough money for bad debts.
After sending the bank's executive on special leave, ABSA has also launched an internal investigation into bad debt provisions, the South Africa-based 'Business Times' reported on July 22, citing David Hodnett, a financial director.
However, ABSA confirms that there is no link between the two events! The bank, which is 30 per cent-owned by the Government of the United Republic of Tanzania, has entered into a management crisis, following reports of financial mismanagement. Efforts to get top officials of the Banking Supervision Department of the Bank of Tanzania yesterday for clarification failed as the director was reportedly at a high level meeting at the central bank.
While this was happening, Tanzania is now ensnared in multiple investigations of wrongdoing which seem to be dragging along, with new scandals arising with the passage of time! The 'worst practices' in banks are sort of unnecessary; but chaos in NBC shows that realism is vital in that direction, a reliable source from the financial sector told Business Times.