NMB shares;Tuwe makini!

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Mama Lao

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NMB Bank mko makini kwenye uuzaji wa shares zenu? Mbona mnatufanya waanachi mambubumbu? Tangu lini shares zikauzwa bila "prospectus". Tukiwauliza watendaji wenu wanasema eti "safari hii mmetoa leafet/vipeperushi tu! Kwa mtu yoyote anayejua maana ya hisa haiwezekani ununue hisa kwa kutumia "kipeperushi". Kama hamko tayari mtuambie tusubiri hizo "prospectus".
 

Ndiyo raha ya kushirikishana mawazo... I was about to buy them shares. Let's see what other entrepreneurs have over this doubt.

Invisible
 
Mama lao, pole sana, wanataka wakupe leaflets ndo ufanyie maamuzi ya kununua hisa? kweli hiyo ni mbaya. Lakini uwe makini pia, hasa na brokers. Ukienda kwa broker wa maana watakupa prospectus. Hata hivyo, serikali ndiyo inayouza hisa zake katika NMB. NMB wenyewe (workers) they may be care less given the existing crisis btw the government and workers.
 


Tahadhari uliyotoa ni nzuri ILA si kweli ya kwamba hawatoi prospectuses. Rejea majibu ya Mbalamwezi. Inawezekana ulikutana na watendaji wasio na ufahamu wa kutosha wa haya mambo au zilikuwa zimekwisha,n.k. Mimi ninazo prospectuses za NMB na nimegaiwa na broker.
 

Mama Lao, asante kwa kutuuma sikio! kwani anayeuza hisa ni NMB au Serikali? Nikweli niliponunua za NICO nilipewa hilo kabrasha ila za TBL sikumbuki! hebu tupe darasa zaidi tusijeingia mkenge.
 

Nashukuru mkuu Pat naomba msaada unipe adres ya huyo broker niwasiliane nae, manake presha ilikuwa juu tayari, unajua nchi hii epa zimekuwa nyingi mno.
 
Kwa ushauri tu, mwenye nia ya kununua hisa za NMB afanye hivyo hima. Kimsingi benki hii ndio kama agent (de jure)wa serikali kwenye ulipaji wa mishahara kwa wafanyakazi wake na kwenye kutunza fedha za serikali wilayani. Hivyo basi, ina uhakika wa deposits + other service charges. Ndio benki inayoongoza kwa kuwa na matawi mengi nchini na vilevile kwa faida.

Suala la Prospectus ni uzembe tu somewhere. Ila naomba usiitumie kama njia ya kuzira kununua hisa hizo. Hisa za DSM Community Bank, licha ya upya wake, zilikuwa oversubscribed by 3 times!

By the way, hawa DSM Stock Exchange na Capital Market Authority wanashindwaje kusimamia a simple issue kama hilo!!
 

Tunaomba waandishi muwahoji NMB na watoe tamko lakueleweka, isijekuwa kuna hisa feki pia. Nchi hii wajanja wengi.
 
Mi pia niayo prospectus tena ni very comprehesive. Ila wamenishangaza faida mwaka huu mpaka June ni 24 billion wakati mwaka jana mzima ilikuwa 40 billion...sijui ni kuvutia?

Anyway dividend policy yao sio nzuri hawa jamaa
 
Watu wenye elimu na utaalamu wa maswala ya HISA na SOKO la hisa mwageni janvini, kwa mtanzania wa kawaida kupewa prospectus book ya ununuzi wa hisa za nmb wakati elimu ya hisa huna ni sawa na kusoma lugha usiyo ijua, watu wengi wanataka kununua hisa hizo na kuviuza punde sikiingia sokoni watu wengi wanataka waingize faida ya chap-chap na siyo kusubiri gawio baada ya miaka....wanataka kununua let say hisa za 5mil na kuziuza after 3-6 months time, ni watu ambao hawawezi kuaford kuacha 5m kwa kipindi kirefu..
 
Kuna tetesi nilini NMB watakuwa sokoni? nilinunua hisa za NICO hadi leo hawajaingia sokoni wala hakuna gawio! sijui nilishaliwa tajari.
 
eddy said:
Kuna tetesi nilini NMB watakuwa sokoni? nilinunua hisa za NICO hadi leo hawajaingia sokoni wala hakuna gawio! sijui nilishaliwa tajari.
Click to expand...
Eddy , NICOL waliwahi kutoa gawio...sh 9 per share mwaka 2007?not sure kwa mwaka. Tayari NICOL wako listed DSE hisa yao ni kama sh 330...

Kwa upande wa NMB ..ni kweli inabidi..waboreshe na hao wafanyakazi wao wajue kwamba "Prospectus" ni kitu muhimu kwa mnunuzi wa hisa.
Ila at the same time I am skeptical kuhusu faida zao. Kuna guarantee gani kwamba serikali itaendelea ku "bank" nao.
Halafu pia NMB wana huduma mbovu sana. Kwa vile tu wafanyakazi wa serikali wana akaunti huko kwa sababu hawana option nyingine.
Sitanunua hizi hisa mpaka nipatiwe hiyo prospectus!
 
Unajua swala zima la kununua shares limeghubikwa na mashabiki wasio jua anything kuhusu ununuzi wa shares.NI ufahamu wangu kwamba baada ya kuangalia prospectus ya kampuni na kufanya analysis zako, then ndio unalizia na kununua shares. However, mambo yanaweza kuwa tofauti huko nyumbani kwani sina ufahamu. Lakini ni uweleo wangu kwamba doctor anatazama file la mgonjwa kwanza na kisha anatibu na sio kinyume mwendo.

Kununua shares sio sawa na kununua pair of shoes, kwamba unaangalia quality kwa macho. Huwezi kununua NMB sababu wana ghorofa zuri, au sababu Imani Kajura ni the best marketing manager tycoon. You buy after analyzed the financial of the company, the management style, the decsion makers strategy, the vision of the company na mengine mengi sana.

Madhara ya kununua sababu walio nunua TBL walipata 200% return, then kumbuka walio nunua TOL walipata % loss. Hivyo basi ni lazima ujue financial calculas kabla huja nunua anyshare. Na kama hujui calculas ya ununuzi wa hisa, then tafuta mtaalam. Kwani hata ukiumwa si unakwenda kwa doctor?

Goodluck kwa wanunuzi. Kumbuka don't buy sababu mama Sekile kanunua. Buy because it is a potential investments, and there is a chance of getting positive returns in the future.
 
Kamisheni ya broka ni ngapi. Je unaweza kuziuza hizo share jioni ukinunua asubuhi. wengine sisi tunanunua asubuhi na kuuza jioni huku ughaibuni kwenye internet. Bongo lazima broker si atakuibia???????????
 
Wakuu hata mimi nilienda NMB Bank House nikawataka wanipe Prospectus, nikaambiwa huwa wanawapa Corporate Customers!!!! hawawezi kumpa kila mtu? nikakomaa ndipo wakanipa a Swahili summarised Prospectus. Nikaenda kwa broker wangu alinipa full huge English version Prospectus. Nimesoma kwa undani, NMB wanapata faida ila devidends zao ni kidogo sana. sielewwi tatizo. Hata hivyo, kama walivyosema wenzangu NMB is promsing Bank, share lazima zitakuwa hot kwenye Secondary market na ndiko huko tutegemee faida na si kutegemea sana dividends. Ila elimu itolewe watu wasikurupuke kuuza hisa mapema, hazilipi sana. anyway, kama ni investor na ana quick return business activity hatapenda sana pesa yake ikae muda mrefu akisubiri bei ipande. Ila kwa wale ambao wanapenda kuweka fedha fixed accounts, my GOd hailipi ni unyonyaji afadhali ununue hisa. Hata hivyo, share trading is a Speculative Investment, anything can happen!! Reaping faida or Hasara. Get enough advice from your business consultant. Thanks.
 
Hivyo hizo share zinauzwa kiasi gani wajameni? Je, ni share za serikali?????
 

Good summary Maane.
Inategemea mnunuzi anataka kununua kwa lengo gani, yaani labda anataka Dividends payments. Nakama wewe ni dividends investors then unataka kuangalia dividends payout ratio, vile vile unaangalia kwa % ngapi dividends payout inakuwa.

Nakama wewe ni speculator kama mimi, then your focus is on the boom during secondary market. After boom you wanna cash your chip and take the face value and work away. Because life is too short anyway. Please don't try to be speculator kama hujawai kuwa trained to do so.

Kwa wale longtime investor, remember you dont hold anything. some of the chip are like rotten egg, to keep them in your basket will increase smell. Again kama unataka ushauri kuhusu NMB email me prospectus, and i will analyze for you and tell you, either buy or stay away from it.

High revenue doesn't means the company is doing good? High reteirn earning doesnt means the company is better. It is beyond what is in Balance sheet and Income statements.
 
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