Ngongo
Platinum Member
- Sep 20, 2008
- 20,654
- 35,887
Serekali na biashara wapi na wapi.
Lakini kama nimeelewa hapa hakuna kilichopotea,kama shares zimenunuliwa nchini ni bora zaidi sababu faida pia itatumiwa ndani,but kama zimeuzwa nje bado hakuna impact mtaji uko pale pale.
So ni mapema sana kulaumu mazingira uwekezaji kwa hili,sabb halina madhara.kama hisa zimeuzwa maana yake mnunuzi kapatikana.
Najua pia wasiwasi wako ni kuwa ikiwa shares zimenunuliwa na serikali.yaani unatia shaka ikiwa muwekezaji atakuwa ni serikali yenyewe.sijajua wasiwasi wako ni upi?
Kenya mbona hawakuvaa viraka japo tulikuwa tunalishwa propaganda mfu kuwa Kenya wanafuata siasa mbaya za kibepari? Au Kenya haikuwa nchi changa kama sisi? Mmepata kiongozi ambaye hanyenyekei wageni, kwani wageni wanataka kunyenyekewa? Toka lini kiburi ikawa sifa za kiongozi mzuri?Tulikuwa nchi changa. Kuvaa viraka ilikuwa ni passing phase. Uingereza walivaa viraka kabla ya kuvaa Burberry.
Na sisi sasa tumezidi kukomaa katika kutafuta kujitegemea, hatuwezi tena kuvaa viraka. Tumempata bandido mwingine asiyenyenyekea wageni wa kusimamia misingi hiyo.
NimezichukuaNgoja nifuatilie vizur hizi hisa zimeenda wapi.. ikiwa serikali ndo atabaki kama mkubwa pale.. lazime tuwe kama ulaya aisee
Mkuu 'Bu'yaka', nimelipenda jibu lako, lakini sehemu moja inanishangaza na kunitia shaka:Tulikuwa nchi changa. Kuvaa viraka ilikuwa ni passing phase. Uingereza walivaa viraka kabla ya kuvaa Burberry.
Na sisi sasa tumezidi kukomaa katika kutafuta kujitegemea, hatuwezi tena kuvaa viraka. Tumempata bandido mwingine asiyenyenyekea wageni wa kusimamia misingi hiyo.
Nahisi radobank ndiyo alileta idea ya zile za prepaid card, kumpoteza huyu ni kupoteza ujuzi, maana bank nyingi hapa TZ bado hawajakua na uboreshaji wa huduma kwa wateja na ubunifu,Serikali atabaki kama mkubwa itsaidia nini wakati hana capital to inject?
Shareholder ni injection ya capital sio kushika mashare kama karatasi mzee!
Rabobank ana mtaji wa maana kupita maelezo ndio alikua ana inject serious money in there kuifanya ifanye biashara vizuri
Nikwambie tu,Serikali inataka kumiliki financial sector yote kama hijacking technique ya control
Hakuna kingine ni CONTROL inatafutwa.....baada ya kupata control ya financial sector yote,sector lazima ishuke na kufa,maana private firms zote zitakua hazina stake yeyote kwenye mabenki makubwa
Na serikali haijui lolote about financial business,haijui maana ya commercial banking business....yenyewe imeingia ku-control tu kwa political reasons,not business reasons and making real profits kama biashara
Ndio tabia ya serikali ya kidikteta,kumili njia zote na mifumo yote ya nchi,ili kujipa assurance ya kukandamiza opposing forces and rule indefinitely....basi,hakuna kingine!
So ni transfer sio?Rabobank has lodged a share transfer request for its stake in NMB Bank Plc - NMB Bank Plc.
NMB Bank Plc. (“NMB”) is a Tanzanian commercial bank offering diverse financial services to individuals, businesses, institutions, and the government.www.nmbbank.co.tz
Kuna mdau amesema inaweza kuwa share transfer kwenye moja ya kampuni tanzu ya uwekezaji ya rabobank.. ngoja tuendelee kutafitiNahisi radobank ndiyo alileta ahidia hata zile za prepaid card, kumpoteza huyu ni kupoteza ujuzi, maana bank nyingi hapa TZ bado hawajakua na uboreshaji wa huduma kwa wateja na ubunifu,
Kuna wakati unakuwaga na akili sana....Mkuu
Ukienda kwa FEAR kama hizi utaigeuza TZ North Korea sasa....
Atazungusha ukuta nchi nzima...hii ni hatari
Kazi yake ni kuacha private sector zifanye kazi na biashara inavyotakiwa zifurahie uchumi mkubwa bila bughudha
Yeye kazi yake ni kuchunguza any crime na kushughulikia kikamilifu kama wanavyofanya USA au kenya au South Africa au hata Ghana
Sio huu ujinga wa FEAR ya watu wa Ulaya
Na pia hii Fear ya Ulaya inatokea wapi to begin with?Utaona huyu mtu ana matatizo sana
Huwezi jifungia na dunia nzima kama North Korea,huwezi!
Hii Fear ni tatizo binafsi lake yeye wala sio letu,kuna makosa anafanya to these people ndio tatizo,na hili kosa ni udikteta na uonevu wananchi wake binafsi..
Usiniletee stori eti wanataka kuja kuiba madini yetu,yeah,wanataka kuja kuyafanyia biashara yes,Yeye cha kufanya ni kukaa mezani na kuweka masharti yake ya kibiashara ahakikishe ana-win more for his people,sio kuzima mipaka
Ukizima mipaka kuna tatizo kubwa sana anajificha nalo yeye binafsi,hakuna kingine!
Shida sio biashara,biashara hua haigombi,biashara ni mezani watu mnakata deal kila mtu anaondoka na chake,nothing else!
Kuna matatizo makunwa anayo ya kidemokrasia na haki za kibinadamu na kuvunja katiba na kufanya vitu vya hovyo,ndio shida kubwa
Tofauti yetu hutokea hapa. Sio mbaya.Kenya mbona hawakuvaa viraka japo tulikuwa tunalishwa propaganda mfu kuwa Kenya wanafuata siasa mbaya za kibepari? Au Kenya haikuwa nchi changa kama sisi?
Endapo kama ni kweli wameondoka impact tutaiona kwenye quality of decision making.. ambayo itaonekana kwenye ubora wa kitabu cha mikopo na strategy.. Mzungu ni mzungu tu aiseeNMB ndio bank inayozungusha fedha zake kwa kasi kwa mwananchi wa kawaida hapa tanzania endapo wataondoka na mtaji wao ni piga kwa uchumi wetu ni fimbo hii tatizo nchi za wenzetu wanajua kuana mbeleni kwa haraka sana kitu gaani kitakuja
Tofauti yetu hutokea hapa. Sio mbaya.
Kenya hawakuvaa viraka? Mitumba ilianza vipi? Yanga hawakula?
Kenya pamoja na kuwa 'satellite state'; 'an outpost of external operations' ya wakubwa, hasa hao Waingereza na Wamarekani, hali yao haijawahi kuwa na tofauti kubwa sana na ya kwetu.
So ni transfer sio? Ila hiyo Arise atakuwa no kama fund manager tuAfrica: Rabobank cuts reg risk in new venture
By Olivier Holmey
September 28, 2016
Regional stakes join FMO and Norfund assets; indirect, lower ownership reduces liability.
Rabobank has launched a new €660 million African banking joint venture, Arise, reaffirming its commitment to African banking and development.
[https://assets]
Berry Marttin,
Rabobank
In the new firm the Dutch mutual group will fuse its five minority stakes in African banks with two similar stakes held by Dutch development bank FMO, and six others owned by Norfund, an emerging market-focused state-run investment firm based in Oslo.
The company will grow to €1 billion over three to four years, says Deepak Malik, Norfund’s regional director, who will be CEO when Arise starts operations on January 1. One of Ghana’s top banks is already in negotiations to sell a stake to Arise, says Malik. Arise will seek new investments in west Africa, in particular.
The three parties and KPMG valued the existing holdings, in 10 banks spread across 20 countries, at €660 million.
These will be Arise’s initial assets, covering a large chunk of the biggest retail banks in east and southern Africa, notably Rabo’s stakes of 35% in National Microfinance Bank in Tanzania and 46% in Zanaco in Zambia. Norfund also owns 12% of Equity Bank in Kenya.
If, as envisaged, Portuguese mutual lender and Rabo’s Mozambique co-investor Montepio joins Arise, the venture will also have a large stake in Angola’s Finibanco.
But local staff are under no illusions about the challenges ahead. “Banks in Africa are looked upon by the regulators as risky business,” says Ineke Bussemaker, NMB’s CEO and a former Rabobank insider.
For FMO and Norfund, the venture constitutes a big new investment in African banking, involving several hundred million dollars in new capital deployment in the next three to four years.
“This is an excellent opportunity to enlarge our presence in Africa and participate in a platform that has scale,” says Jaap Reinking, financial institutions specialist at FMO.
For Rabo though, it may not constitute such a big new investment. FMO and Norfund will own 27% and 48% of Arise, respectively. Rabobank’s stake will be 25%. These proportions could decrease slightly, too, if Montepio joins. Yet Rabobank is only getting 25% as its partners will deploy more of the new cash, possibly partly by providing a higher proportion of the funding for new acquisitions, such as Ghana.
If existing stakes alone were counted, Rabobank would have about 45%, Norfund 30% and FMO 25%, says Reinking. Not coincidentally, as Bussemaker points out, 25% is the level that US regulations define as ownership of banks, and by extension liability, for any failures in areas like anti-money laundering. Rabobank, with banking operations in the US, must consider this more carefully than the other parties.
Reducing stakes
The aim is for Arise to hold minority stakes in banks with a bent for retail banking, SMEs, the unbanked and agriculture (the latter is one of Rabobank’s specialisms). It will gradually reduce stakes in some banks, where previous overlaps between the four parties bring it to a majority. Banks primarily focused on wealth and investment banking will not be part of the venture.
Rabobank will end up with a stake it feels more comfortable owning. There will even be a small positive impact to its profit and loss account from the transfers.
As such, the new venture looks less like Atlas Mara (Bob Diamond’s African bank investment vehicle). Instead, it is perhaps more in tune with Barclays’ decision in March to cut off its African business as CEO Jes Staley had similar concerns to Rabo over liabilities. His group’s 62% ownership of Barclays Africa meant it had to assume all the regulatory costs, while gaining only two thirds of the profit.
“We didn’t want to take the easy option of risk avoidance and just exit,” says Berry Marttin, Rabo’s board member responsible for the rural and international division. “Our reach is going to grow. We all know the constraints [of operating as an international bank in Africa] but the question is can you find a structure where you can move forward? That’s what we think we’ve found.”
Marttin says Rabo’s technical and managerial support for the various banks, such as sending trainees to the Netherlands, will continue, and spread to new lenders, while teaming up with similar assistance from FMO and Norfund. Arise is already recruiting a team of around 25 people, to be based in Cape Town, and at least one senior manager will come from Rabobank. The back office will be in the Netherlands.
Mbona watakuja wengine tuu!! Tena mabenki ya huko Uingereza yataanza kufurika huku Tz
Ngoja tuone embu.. maana ndo inaanzaga hiviMost likely...
tunarudi siasa za kijamaa....
TISS sijui wanasomaga humu au kwakuwa mishahara yao minono hawana cha kupoteza?Serikali atabaki kama mkubwa itsaidia nini wakati hana capital to inject?
Shareholder ni injection ya capital sio kushika mashare kama karatasi mzee!
Rabobank ana mtaji wa maana kupita maelezo ndio alikua ana inject serious money in there kuifanya ifanye biashara vizuri
Nikwambie tu,Serikali inataka kumiliki financial sector yote kama hijacking technique ya control
Hakuna kingine ni CONTROL inatafutwa.....baada ya kupata control ya financial sector yote,sector lazima ishuke na kufa,maana private firms zote zitakua hazina stake yeyote kwenye mabenki makubwa
Na serikali haijui lolote about financial business,haijui maana ya commercial banking business....yenyewe imeingia ku-control tu kwa political reasons,not business reasons and making real profits kama biashara
Ndio tabia ya serikali ya kidikteta,kumili njia zote na mifumo yote ya nchi,ili kujipa assurance ya kukandamiza opposing forces and rule indefinitely....basi,hakuna kingine!
Nadhani jibu ni hili hapa.Africa: Rabobank cuts reg risk in new venture
By Olivier Holmey
September 28, 2016
Regional stakes join FMO and Norfund assets; indirect, lower ownership reduces liability.
Rabobank has launched a new €660 million African banking joint venture, Arise, reaffirming its commitment to African banking and development.
[https://assets]
Berry Marttin,
Rabobank
In the new firm the Dutch mutual group will fuse its five minority stakes in African banks with two similar stakes held by Dutch development bank FMO, and six others owned by Norfund, an emerging market-focused state-run investment firm based in Oslo.
The company will grow to €1 billion over three to four years, says Deepak Malik, Norfund’s regional director, who will be CEO when Arise starts operations on January 1. One of Ghana’s top banks is already in negotiations to sell a stake to Arise, says Malik. Arise will seek new investments in west Africa, in particular.
The three parties and KPMG valued the existing holdings, in 10 banks spread across 20 countries, at €660 million.
These will be Arise’s initial assets, covering a large chunk of the biggest retail banks in east and southern Africa, notably Rabo’s stakes of 35% in National Microfinance Bank in Tanzania and 46% in Zanaco in Zambia. Norfund also owns 12% of Equity Bank in Kenya.
If, as envisaged, Portuguese mutual lender and Rabo’s Mozambique co-investor Montepio joins Arise, the venture will also have a large stake in Angola’s Finibanco.
But local staff are under no illusions about the challenges ahead. “Banks in Africa are looked upon by the regulators as risky business,” says Ineke Bussemaker, NMB’s CEO and a former Rabobank insider.
For FMO and Norfund, the venture constitutes a big new investment in African banking, involving several hundred million dollars in new capital deployment in the next three to four years.
“This is an excellent opportunity to enlarge our presence in Africa and participate in a platform that has scale,” says Jaap Reinking, financial institutions specialist at FMO.
For Rabo though, it may not constitute such a big new investment. FMO and Norfund will own 27% and 48% of Arise, respectively. Rabobank’s stake will be 25%. These proportions could decrease slightly, too, if Montepio joins. Yet Rabobank is only getting 25% as its partners will deploy more of the new cash, possibly partly by providing a higher proportion of the funding for new acquisitions, such as Ghana.
If existing stakes alone were counted, Rabobank would have about 45%, Norfund 30% and FMO 25%, says Reinking. Not coincidentally, as Bussemaker points out, 25% is the level that US regulations define as ownership of banks, and by extension liability, for any failures in areas like anti-money laundering. Rabobank, with banking operations in the US, must consider this more carefully than the other parties.
Reducing stakes
The aim is for Arise to hold minority stakes in banks with a bent for retail banking, SMEs, the unbanked and agriculture (the latter is one of Rabobank’s specialisms). It will gradually reduce stakes in some banks, where previous overlaps between the four parties bring it to a majority. Banks primarily focused on wealth and investment banking will not be part of the venture.
Rabobank will end up with a stake it feels more comfortable owning. There will even be a small positive impact to its profit and loss account from the transfers.
As such, the new venture looks less like Atlas Mara (Bob Diamond’s African bank investment vehicle). Instead, it is perhaps more in tune with Barclays’ decision in March to cut off its African business as CEO Jes Staley had similar concerns to Rabo over liabilities. His group’s 62% ownership of Barclays Africa meant it had to assume all the regulatory costs, while gaining only two thirds of the profit.
“We didn’t want to take the easy option of risk avoidance and just exit,” says Berry Marttin, Rabo’s board member responsible for the rural and international division. “Our reach is going to grow. We all know the constraints [of operating as an international bank in Africa] but the question is can you find a structure where you can move forward? That’s what we think we’ve found.”
Marttin says Rabo’s technical and managerial support for the various banks, such as sending trainees to the Netherlands, will continue, and spread to new lenders, while teaming up with similar assistance from FMO and Norfund. Arise is already recruiting a team of around 25 people, to be based in Cape Town, and at least one senior manager will come from Rabobank. The back office will be in the Netherlands.