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Nmb yaizidi crdb na nbc kwa faida,2010

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by PayGod, Feb 15, 2011.

  1. PayGod

    PayGod JF-Expert Member

    #1
    Feb 15, 2011
    Joined: Mar 4, 2008
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    WADAU
    Hapa chini kunatable ambayo inaonyesha ni jinsi gani nmb, ilivyopata faida kubwa kuzizidi bank, nyingine kubwa hapa tanzania, karibuni tujadili, but make sure unaangalia kwa umakini , net income, no of branches, and no of employees za bank hizi kubwa tatu hapa tanzania,ila mimi kama mdau wa sekta ya bank, na wasiwasi mkubwa sana na FAIDA YA NBC, kama imechakachuliwa vile, hi ni kutokana na mwaka 2009 NBC, WALIPATA 40.885 BILLION


    AS AT 31ST DEC, 2010
    ITEM

    NMB
    CRDB
    NBC

    INTEREST INCOME
    NMB--- 141,441
    CRDB----- 159,551
    NBC---- 118,997

    INTEREST EXP
    NMB----11,032
    CRDB---35,510
    NBC---- 21,085

    FEES &COMMISION
    NMB----49,822
    CRDB---48,069
    NBC-----29,967

    OPERATING INCOME

    NMB----78,445
    CRDB---66,325
    NBC-----5,442

    SALARIES & BENEFITIES
    NMB----50,065
    CRDB---42,715
    NBC-----33,226

    NET INCOME AFTER TAX
    NMB------53,981
    CRDB----49,744
    NBC------2,289

    NUMBER OF EMPLOYEES
    NMB----2610
    CRDB---1437
    NBC-----1496

    NUMBER OF BRANCHES
    NMB----139
    CRDB----61
    NBC------59


    NOTE : ALL AMOUNT ARE IN MILLIONS
    HABARI HII IMEANDALIWA KUTOKANA , NA MAGAZETI YA LEO YA MAJIRA, MWANANCHI, NA WEBSITE YA CRDB.

    KARIBUNI TUJADILI
     
  2. m

    mjasiria JF-Expert Member

    #2
    Feb 15, 2011
    Joined: Jan 10, 2011
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    Huu utaratibu wa kuharibu kiswahili unakera sana. Ni tujadili sio tujadiri
     
  3. Shapu

    Shapu JF-Expert Member

    #3
    Feb 15, 2011
    Joined: Jan 17, 2008
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    i think wako juu kwa faida mara nyingi. Ila in terms of assets ndo sio.
     
  4. m

    mwalwisi Member

    #4
    Feb 15, 2011
    Joined: Oct 6, 2010
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    Sijajua mantiki hasa ya kutaka kulijadili hili (labda ungetuweka wazi). Ila kwa faida ya kikao ningependa kuchangia haya;

    1. Kama unataka tuchambue kiundani "Performance" ya Bank hizi, ungeweka information ya kutosha. Si kwa faida peke yake. Tuwekee pia balance sheet yao, ili tuweze kujua maeneo gani waliyowekeza. Sifa au uzuri wa assets zao, namna gani wamechanganya aina mbalimbali za investments.

    2. Katika la NBC angalia katika provisions ya mikopo yao utapata jibu kwa nini wapo pale.

    3. NMB wana low cost of fund kutokana na kuwa na amana nyingi za serikali kuu ambazo hawazilipii riba. Kwa hiyo kuwa na Interest expense ndogo.

    4. NMB hawajafanya major investments kama wenzao, NBC na CRDB wametoka ku upgrade mtandao wao wa computer (mara nyingi hii ni gharama kubwa)

    5. NMB wana wafanyakazi wengi sana, wengi wao mishahara yao ni midogo (lower cadre) ukilinganisha na bank kama CRDB.
     
  5. fredmlay

    fredmlay JF-Expert Member

    #5
    Feb 25, 2011
    Joined: Apr 30, 2008
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    Mantiki ipo kwakuwa benki hizi wananchi ni wanahisa, hivyo kama kuna kuchakachuliwa kwa taarifa za kitaalamu basi wenye uwezo wa kutupasha na kutufumbua macho wafanye hivyo, kwa taarifa zaidi hebu cheki na hizi...

    SELECTED FINANCIAL CONDITION INDICATORS

    HEBU CHEKI HAPO KWA TAARIFA ZAIDI
    NMB
    NBC

    i
    Shareholders Funds to total assets
    11.30%
    10.00%

    ii
    Non performing loans to total gross loans
    5.68%
    17.00%

    iii
    Gross loans and advances to total deposits
    47.13%
    64.00%

    iv
    Loans and advances to total assets
    39.61%
    53.00%

    v
    Earnings assets to total Assets
    77.92%
    75.00%

    vi
    Deposits growth
    -1.73%
    9.00%

    vii
    Assets growth
    -1.56%
    4.00%

    viii
    Loans, Advances & Overdraft
    593,746mil
    711,287mil

    ix
    Balance with BOT
    178,862mil
    151,041mil

    x
    Balance with other banks
    128,811mil
    176,976mil
     
  6. drphone

    drphone JF-Expert Member

    #6
    Feb 25, 2011
    Joined: Sep 29, 2009
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    unaposema nbc wamechakachua ni hili iweje yani wakwepe kulipa kodi? wawazulumu wanahisa? au inakuwaje na akuna maodita wa kuoditi namba ufafanuzi ukizingatia cjui sana mambo ya mabenki
     
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