Nmb yaizidi crdb na nbc kwa faida,2010

[PayGod]

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

 

[mjasiria]

WADAU

KARIBUNI TUJADIRI


[/FONT][/COLOR]

Huu utaratibu wa kuharibu kiswahili unakera sana. Ni tujadili sio tujadiri

 

[Shapu]

i think wako juu kwa faida mara nyingi. Ila in terms of assets ndo sio.

 

[mwalwisi]

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
141,441
159,551
118,997
INTEREST EXP
11,032
35,510
21,085
FEES &COMMISION
49,822
48,069
29,967
OPERATING INCOME

78,445
66,325
5,442

SALARIES & BENEFITIES
50,065
42,715
33,226

NET INCOME AFTER TAX
53,981
49,744
2,289

NUMBER OF EMPLOYEES
2610
1437
1496

NUMBER OF BRANCHES
139
61
59


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

KARIBUNI TUJADIRI

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.

 

[fredmlay]

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

 

[drphone]

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