Shareholder mkubwa wa NMB ameondoka – Rabobank Nederland

[Ngwanashigi Gagaga]

Nmb bye bye. Kama mwendokasi ilipokabidhiwa kwa wazawa kwisa kabisa

Kama unayosema ni kweli kuwa wazawa tukikabidhiwa tunaharibu, si jambo la kufurahisha, kama wazalendo lazima tujue ni kwa nini tushindwe kujenga Nchi yetu?! Pamoja tutafute suruhisho!

 

[Mapank]

Pamoja na kuwa umejitetea kuwa mjumbe auwawi ingebidi upigwe ata makofi kadhaa ili uamke usingizini.

Fact: Ni bora hisa zimilikiwe na watanzania ata kama ni serekali yenyewe sbb faida ya benki miaka nenda miaka rudi inayo tolewa kwa wana hisa na kupelekwa nchi za nje itakuwa inabaki hapa hapa. Kusema kuwa benki inaweza kuendeshwa vibaya sio kweli. Wakurugenzi wa mashirika sasa hivi wamenyooka kama kamba kwa sababu zinazoeleweka.

Jua kwanza maana na faida ya capital outflow na inflow kwenye uchumi,

 

[martyr2012]

Benki kubwa zikivuruga vitabu zinaua uchumi. Mporomoko wa uchumi wa dunia wa 2008 ulisababishwa na mabenki makubwa ya USA. Ikapitishwa sheria ya Dodd-Franks kuyadhibiti. Inakuwa vigumu zaidi kuwadhibiti au kuwaamini kama ni wageni.

National security is another cause for grave concerns. We dont know to whom, from where and for what purpose money may be funneled or funded from.

State house transanctions, defense spending and security organs banking can not be commandeered by foreign owners of a bank. The risk is just not worthwhile.

NMB, read NBC, ownership has finally riverted back to the people. The last vestiges of Benjamin Mkapa's egregious privatisation legacy are, at long last, buried with him. John Magufuli has laid claim to the mantle of Julius Nyerere's independence struggle.

Wewe ni kilaza sawa na vilaza wengine. Dodd Frank haikuja kutokana na Global Financial Crisis ya 2008. Hebu annika vizuri mpaka mwaka wa hiyo Act. Usitudanganye.

 

[Buyaka]

Wewe ni kilaza sawa na vilaza wengine. Dodd Frank haikuja kutokana na Global Financial Crisis ya 2008. Hebu annika vizuri mpaka mwaka wa hiyo Act. Usitudanganye.

Dodd-Frank Wall Street Reform and Consumer Protection Act​

The Dodd-Frank Wall Street Reform and Consumer Protection Act is a massive piece of financial reform legislation that was passed in 2010, during the Obama administration. It was created as a response to the finacial crisis of 2008.

INVESTOPEDIA

 

[Mtuflani Official]

Tulipingwa na dunia, tukawekewa vikwazo.

Lakini kila benki, kila kampuni, kila biashara tuliziendesha wenyewe wakati wa Mwalimu. Biashara ambayo ilitushinda hatukuita wageni, tuliifungilia mbali kuliko kuliwa, kama vile kuchimba katikati dunia kutafuta madini.

We were a living embodiment of business independence.

NMB foreign owners exiting the country is welcome news of addition by subtraction. WE, THE PEOPLE, will fill the void.

There is no foreign bank in the country, be it Barclays, EXIM, Citibank, KBC, STANBIC, Bank of India, Bank of wherever they are from, none of them has grown bigger and better than the ones we built and are running them ourselves, including BENKI YA USHIRIKA NA MAENDELEO VIJIJINI, or the whooping behemoth that is NMB. So, yes, we can. We've been there and we've been here. Julius Nyerere is back, bigger and better than ever.

You are a banana republic if you need a foreigner to run a bank.

You’re really stupid to think we can grow with only our resources. What your brain thinks is very different from how the world runs.

 

[Bulesi]

Watu wenye akili ndogo kama wewe ndo
Usikute wanamshauri Rais now..

Hii Nmb ilikuwa benk benk ndogo kabisa
Ilianzishwa baada ya shinikizo kufuatia kuuzwa NBC..
Hawa wa Dutch ndo wameikuza hadi imekuwa Bank kubwa kuliko zote TZ..
Wenye akili za sisimizi ndo watafurahia kuondoka hawa wazungu

This issue has been settled kwamba shares na Rabo bank NMB zitamilikiwa na kampuni nyingine ya kigeni ARISE!! Hivyo hakutakuwa na outflow ya forex from Tanzania!!!

 

[Tripo9]

Kama unayosema ni kweli kuwa wazawa tukikabidhiwa tunaharibu, si jambo la kufurahisha, kama wazalendo lazima tujue ni kwa nini tushindwe kujenga Nchi yetu?! Pamoja tutafute suruhisho!

Mkuu sisi tuko vizuri kwenye starehe. Mamabo zingine tuwaachie wazungu

 

[secret file]

FNB walifunga branch Sinza. DTB walifunga branch ya Mandela Road na ya pale Fire Kariakoo. Mambo ni mengi aisee.

BOA wamefunga tawi la Mbezi ya Kimara na Mwenge

 

[Buyaka]

You’re really stupid to think we can grow with only our resources. What your brain thinks is very different from how the world runs.

So, who did the West bring in to their countries to develop their banking systems, red Indians?

 

[Kiranga]

Ni kwenye trading session ya jana 28.12.2020 Dar es salaam stock exchange, sijajua kama NMB wame buy back au kuna local investor amenunua, au zimebadilisha ownership kwa foreign investor mwenzao (ntazidi kufuatilia)

Ikiwa kama NMB wame buy back au local investor amenunua, ina maana inakuwa moja kwa moja na impact kwenye uchumi wetu, in terms of capital outflow ya Dola takribani $ 183 Million zitaondoka kwenye uchumi wetu kuwalipa Rabobank mchuzi wao.

Ikiwa kama kuna another foreign investor amezinunua, hapo hakuna impact yoyote kwenye uchumi maana hakutakuwa na capital outflow ya Dola. Japokuwa nimeangalia jana kwenye report ya broker, sijaona kama kuna investor wa nje amezinunua (more likely ni buy back ya NMB) ambayo itaipa serikali kuwa shareholder mkubwa.

Kwa angle nyingine pia, naona kama kuna uwezekano wa serikali kuwa shareholder mkubwa wa NMB endapo kama NMB wame buy back which means shareholder mkubwa atakuwa ni Hazina (Treasury Registrar) kitu ambacho mimi nakiona hakina afya hata kidogo ukizingatia historian a performance ya benki zinazomilikiwa na serikali.

View attachment 1662012
View attachment 1662013

Sijajua sababu haswa iliyowafanya kuondoka Tanzania, kuna possibilities nyingi, labda watu wa NMB wanaweza kuwa wanaelewa vema nini kinaendelea. Kama ni decision yao kama wao inawezekana labda wameona outlook ya banking industry kwa Tanzania labda sio nzuri kwa mbeleni ndio maana wameamua kuondoa mtaji wao au sijui kama ni msukumo kutoka serikalini kutaka kui-contro, benki ya NMB which means labda 'Rabobank Kafukuzwa'... nadhani siku chache za mbeleni tutajua nini haswa ndo sababu.

Lakini kwa namna na sababu yoyote, bado hii exit ya Rabobank sio kitu ambacho nakiona kama kina afya kwa NMB kama benki, na pia kinaweza kuwa na impact kwenye FDI kwa Tanzania.

Mjumbe hauawi
N. Mushi

Benki zinaingiliwa sana kisiasa na serikali.

Watu waliozoea kufanya kazi kwa principles za banking integrity wanakuwa na wakati mgumu wa ku uphold banking integrity halafu kuwa na mahusiano mazuri na serikali.

Uamuzi mzuri wa kimantiki ni kujiondoa katika market hiyo.

Sisemi kwamba hiki ndicho kilichotokea, ila dalili zote za miaka ya hivi karibuni zinaonesha kuwa this is highly likely.

 

[Mapank]

This issue has been settled kwamba shares na Rabo bank NMB zitamilikiwa na kampuni nyingine ya kigeni ARISE!! Hivyo hakutakuwa na outflow ya forex from Tanzania!!!

Itaje tu Boss 😛 😛 😛

 

[The Boss]

Bwnki zinaingiliwa sana kisiasa na serikali.

Watu waliozoea kufanya kazi kwa principles za banking integrity wanakuwa na wakati mgumu wa ku uphold banking integrity halafu kuwa na mahusiano mazuri na serikali.

Uamuzi mzuri wa kimantiki ni kujiondoa katika market hiyo.

Sisemi kwamba hiki ndicho kilichotokea, ika dalili zote za miaka ya hivi karibuni zinaonesha kuwa this ia highly likely.

Inasemekana CEO mzungu kanyimwa permit
Imepelekea Kwa mara ya Kwanza bank impate CEO mtanzania ..

Why kanyimwa permit?Aliwaudhi nini??
Huyu mtanzania atawamudu kuwakatalia mahitaji yao? Mahitaji Yao ni yapi??

Ndo chanzo cha haya yote

 

[Kiranga]

Inasemekana CEO mzungu kanyimwa permit
Imepelekea Kwa mara ya Kwanza bank impate CEO mtanzania ..

Why kanyimwa permit?Aliwaudhi nini??
Huyu mtanzania atawamudu kuwakatalia mahitaji yao? Mahitaji Yao ni yapi??

Ndo chanzo cha haya yote

Hao wazungu kuwa control ni vigumu.

Anatafutwa mbongo ambaye serrikali inaweza kum control.

CEO wa zamani wa CRDB, Charles Kimei, alishawahi kusema anamuogopa sana Magufuli na atafanya chochote Magufuli atakachoamuru.

Kimei alisema hayo waziwazi.

Kauli hii ni mbaya sana kwa CEO wa benki kuitoa.

Maana yake, Magufuli akitaka kuiba hela za wateja aende kufanyia kampeni za kisiasa, CRDB wangempa.

Maana yake hela za wateja hazikuwa salama CRDB.

Sasa CEO mzungu pengine kumshurutisha amuogooe Magufuli hivyo inakuwa si rahisi, wengine wana reputations zao kimataifa wanataka kuzitunza.

That is on the one hand.

On the other hand, serikali itajitetea kwamba sheria za labor na uhamiaji zinasema kazi itafanywa na mgeni ikiwa tu hakuna Mtanzania mwenye sifa za kuifanya.

Tatizo, investment kubwa zinakuja na clauses fulani za kutaka watu wa nje waongoze vitu fulani.

Sasa hapo unakuta investment friendly policies zinalegeza vikwazo vya uhamiaji/ labor requirements. Nchi yetu haina sheria. Sheria ni anachotaka rais.

Sheria zinawapa discretion kubwa sana mawaziri tu, hata kabla ya kufika kwa rais, kutoa exceptions.

Kwa hiyo hawa ma CEO wa kigeni walioingia enzi za Kikwete ambapo Kikwete alikuwa anatafuta wawekezaji na hakuwa na kipaumbele cha labor laws, sasa hivi kipindi cha Jiwe anayeweka kipaumbele mambo ya kutoa ajira kwa wabongo na kuwa na watu anaoweza kuwatisha, Jiwe anawatoa kwa Technical Knock Out kama Dr. Assad.

Dangote alipewa concessions kibao na Kikwete. Kuingia Jiwe zimefutwa karibu zote. Imebidi alale mbele.

Matokeo yake maumivu wanayasikilizia wananchi kwenye bei ya simenti.

The road to hell is paved with good intention.

 

[Wacha1]

Ni kwenye trading session ya jana 28.12.2020 Dar es salaam stock exchange, sijajua kama NMB wame buy back au kuna local investor amenunua, au zimebadilisha ownership kwa foreign investor mwenzao (ntazidi kufuatilia)

Ikiwa kama NMB wame buy back au local investor amenunua, ina maana inakuwa moja kwa moja na impact kwenye uchumi wetu, in terms of capital outflow ya Dola takribani $ 183 Million zitaondoka kwenye uchumi wetu kuwalipa Rabobank mchuzi wao.

Ikiwa kama kuna another foreign investor amezinunua, hapo hakuna impact yoyote kwenye uchumi maana hakutakuwa na capital outflow ya Dola. Japokuwa nimeangalia jana kwenye report ya broker, sijaona kama kuna investor wa nje amezinunua (more likely ni buy back ya NMB) ambayo itaipa serikali kuwa shareholder mkubwa.

Kwa angle nyingine pia, naona kama kuna uwezekano wa serikali kuwa shareholder mkubwa wa NMB endapo kama NMB wame buy back which means shareholder mkubwa atakuwa ni Hazina (Treasury Registrar) kitu ambacho mimi nakiona hakina afya hata kidogo ukizingatia historian a performance ya benki zinazomilikiwa na serikali.

View attachment 1662012
View attachment 1662013

Sijajua sababu haswa iliyowafanya kuondoka Tanzania, kuna possibilities nyingi, labda watu wa NMB wanaweza kuwa wanaelewa vema nini kinaendelea. Kama ni decision yao kama wao inawezekana labda wameona outlook ya banking industry kwa Tanzania labda sio nzuri kwa mbeleni ndio maana wameamua kuondoa mtaji wao au sijui kama ni msukumo kutoka serikalini kutaka kui-contro, benki ya NMB which means labda 'Rabobank Kafukuzwa'... nadhani siku chache za mbeleni tutajua nini haswa ndo sababu.

Lakini kwa namna na sababu yoyote, bado hii exit ya Rabobank sio kitu ambacho nakiona kama kina afya kwa NMB kama benki, na pia kinaweza kuwa na impact kwenye FDI kwa Tanzania.

Mjumbe hauawi
N. Mushi

Ndio umbeya wenyewe huo, aliyenunua humjui unasema Robobank wameuza share zao weka ushahidi nani kanunua ili tusijadili majungu. Je, Robobank uwekezaji wao umekidhi matakwa yao ya awali? Share holders wanaweza kuwa wameamua ku-change hands etc. Na inavyoelekea kuna mambo wewe hufahamu, hii story itaandikwa na itajulikana. Ni wakati wa Watanzania wenyewe kuchangamkia fursa za kununua makampuni nchini mwetu, kama wameondoka ni jambo la heri hii ni fursa.

 

[Wacha1]

Inasemekana CEO mzungu kanyimwa permit
Imepelekea Kwa mara ya Kwanza bank impate CEO mtanzania ..

Why kanyimwa permit?Aliwaudhi nini??
Huyu mtanzania atawamudu kuwakatalia mahitaji yao? Mahitaji Yao ni yapi??

Ndo chanzo cha haya yote

Wacha wamnyime kama hana vigezo.

 

[Wacha1]

Benki zinaingiliwa sana kisiasa na serikali.

Watu waliozoea kufanya kazi kwa principles za banking integrity wanakuwa na wakati mgumu wa ku uphold banking integrity halafu kuwa na mahusiano mazuri na serikali.

Uamuzi mzuri wa kimantiki ni kujiondoa katika market hiyo.

Sisemi kwamba hiki ndicho kilichotokea, ila dalili zote za miaka ya hivi karibuni zinaonesha kuwa this is highly likely.

Wapi huko? Bank zote duniani zinasimamiwa na Serikali husika, ni nchi gani ambayo haizisimamii bank zake?

 

[Kiranga]

Wapi huko? Bank zote duniani zinasimamiwa na Serikali husika, ni nchi gani ambayo haizisimamii bank zake?

Kwani wapi nimeandika serikali isisimamie benki?

Unajua kusoma kwa ufahamu?

Unaelewa tofauti ya serikali kusimamia benki na serikali kuingilia kisiasa benki?

 

[dist111]

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.

Watu wataipita kama hawaioni kwa sbb ya lugha. watajadili weee wakati jibu liko hapa ni kupigia mstari tu

 

[Huliza]

Board of directors bado serikali ina uhuru wa kuteua wakurugenzi ila ceo ambaye ndio mtendaji mkuu wa NMB bado atakuwa mtu kutoka nje...

sio kweli kwa sasa

Mkurugenzi kwa sasa ni mtanzania

 

[MakinikiA]

hawa jamaa hawakuzoea kutoa dividends kwa sasa wamebanwa kwenye kona