Anguko la Mabenki nchini? CRDB yapata hasara ya Sh. Bilioni 2

[IDEGENDA]

unaiua crdb kwa kuwa sumaye ni mmoja wa wanahisa......

Tayari umeshaonesha ujinga wako! kwa hiyo basi sisomi tena coment zako!

 

[Mr Natafuta]

ukiw mjuaji sana kuna giza mbele

 

[katitu]

Bank kubwa Tanzania CRDB bank imepata hasara ya Sh Billion 2 katika hesabu zake za robo mwaka (Quarterly Financial Statements) Suala limenistua sana baada ya kuona Twiga Bancorc ilikua insolvent/ ilifilisika hivi karibuni.

Wajuzi wa mambo naomba mtujuze hii private bank (CRDB) wame conceal profit to avoid Tax liability au kweli wame incur loss naomba TRA walifatilie hili huenda CRDB wame conceal profit for the quarter

Taarifa za fedha zinaonesha kuwa mikopo mingi haijalipwa (underperforming Loans) lakini pia CRDB walikua wana accumulated tax/deni la kodi la muda mrefu.

Mwaka 2015 in 3rd quarter kama hii walipata faida ya Sh. 37.9 Billion after statutory deduction/Tax and Interests!

Banking and Financial Institution Act ya (2006) Section 32(3) inazitaka Taasisi hizo kuandaa taarifa za fedha.

Waliosoma Uhasibu kidogo mnaweza mkapitia Financial Statements (Balance sheet na Statement of Income Statement)

View attachment 426878

Hawajaconceal profit hii ni baada ya fedha za serikali kuondolewa kwenye mabenki mbalimbali.Mabenki yalikuwa yanatumia fedha za serilkali kukopesha wafanyabiashara na pia serikali yenyewe ilikuwa inakopeshwa fedha zake.Dili hili limeshitukiwa na JPM hivyo msishangae kuona mabaenki mengine pia yakiporomoka kiuchumi.Si dalili nzuri sana sababu hali hiyo inaimpact kubwa kiuchumi kwa wananchi hivyo tutegemee hata uwekezaji kwenye sekta zingine zikidorora.

 

[Tangawizi]

Hapa kazi tu!

Jamaa anahifadhi fedha za taasisi zake za serikali Benki Kuu ambayo kimsingi haifanyi biashara ya fedha Bali kusimamia monetary policy. Matokeo yake money circulation nchini imedorora, na commercial banks zinalazima kukopa Benki Kuu.

Hii imesababisha interest rates against loans kupanda sana. Wakopaji wanashindwa kukopa, hivyo investments nazo kudorora. Kwa mwenendo huu kwa nini nchi isiingie kwenye recession!

Tuendelee kuimba " Hapa kazi tu" kiushabiki lakini kwa bahati mbaya uchumi haujui "ushabiki"

What is the world best practise? Is it only done in Tanzania by JPM?Ninachojua fika ni kuwa wengi tunapenda njia rahisi ya mambo na kutoa lawama...baadae kutafuta mtu wa kumbambikizia hizo lawama.

Benki hizi nyingi zilikuwa zinaendeshwaje? Namna gani zilikuwa zinatengeneza mabilioni hayo ya faida? Wenzetu benk zipo kuwasaidia wajasiriamali kufanya biashara.
Nani mkopaji mkubwa wa hizo bank? Au kazi yake ilikuwa ni kusafirisha hela tu Escrow, EPA na madili mengine kwenda zinakokwenda?

Kama tunataka matokeo tofauti, lazima tujifunze kufikiria na kufanya tofauti. Jana imepita na leo sio lazima iwe jana. Anayekataa hilo ataanguka chali...ili wengine wainuke na kusukuma gurudumu la maendeleo mbele.

Depression na recession inatokea worldwide..wenzetu wanahangaika kutafuta namna ya kupata majawabu wakati changamoto zikijitokeza. Sisi tunafanyaje? Kulaumu hela ya umma kutoka commercial banks sio jawabu la kitaalamu...ni la kizushi

 

[Mangungo II]

Kwa hiyo ina maana benki ya makabwela NMB ndo inafanya biashara safi[emoji15]

 

[Mipangomingi]

Kilichotokea hapo huenda ni hasara kubwa zaidi ya bilioni 2.

Kwanza walikataa mizigo Bandarini kushuka kama sehemu ya kuanguka uchumi, wakasema ni mzunguko wa kawaida tu na sehemu ya kudhoofika kwa uchumi wa China (kama vile bandari yetu kutegemea sana uchumi wa China ni habari nzuri).

Leo wanasema CRBD imepata hasara ya bilioni 2. Mimi naona kama hasara ni kubwa zaidi. Hii bilioni 2 Charles Kilewo anaweza kuwapigia simu marafiki zake wachache wakampa akaiweka hapo wa break even halafu aiondoe biashara zikichanganya.

Ooops, nisianze kutoa siri wanavyofanya biashara.

Magufuli kawabana, Singili katoa siri. Hawana pa kukimbilia.

Tatizo kubwa zaidi, tuna rais anayetaka kubana uchumi zaidi ya kutuletea suluhisho la matatizo ya kiuchumi.

Aya ya mwisho inahitimisha na kutoa tafsiri pana ya nini kinachotakiwa kifanyike. Mbaya zaodi huu ubanaji wa uchumi hautokani na mpangilio wa kibajeti (fiscal adjustments). Bali kutofuatwa kwa bajeti. Sasa players wa uchumi wanatumia bajeti katika kufanya forecasting , wakati katika uhalisia hiyo bajeti ni kama "haipo".

 

[Kobello]

Good!

Na hapo ndipo tatizo lilipo kwa wengi walio upande wako!!! So koz hivo Vitu vyote viko sawa ina maana ni kweli crdb ilikuwa inafanya kaz na pesa za kifisadi? Huwez conclude kama layman hivo kwenye uchumi.

Umeongelea rise nyingi kwenye indicators kama income ya bank... Kwanini hujaongelea economic growth kuwa at around 5 last month na around 6 (not sure) this month? Coz economic growth ndo inareflect hio Bank business interms of investments na New/existing business inpact on banks?

Upande wangu upi?

Hiyo economic growth umepata wapi? CRDB is a commercial Bank, so fill the blanks.

 

[myoyambendi]

Kama mabenki yalikuwa yanaendeshwa kwa ujanjaujanja kutegemea pesa za ufisadi bora yafe tu hakuna namna. Ninaamini baada ya miaka miwili nchi itakuwa katika mstari wake.

HAHAHAAA,,, BORA MIE MKULIMA SIJUI MAMBO YA 'PROFITI NA LOSI' HATA NIKIDANGANYWA NAPIGA MAKOFI...
NGOJA TUSUBIRI MIAKA YAKO MIWILI HUKU TUNAKULA WAYA..

 

[IDEGENDA]

Kilichoniumiza sana hapa ni kwamba nilikuwa naihesabu CRDB kama benki kubwa Tanzania - at one point, I believe in the nineties, CRDB, pamoja na NBC kabla haijavunjwa, zilikuwa zinatajwa katika benki kubwa za Afrika-, sasa kusikia inapata quartely loss ya US $1 million na hiyo inakuwa big deal, hili linanionesha kwamba benki hii sio kubwa hivyo.

Kwa sababu US $1 million ni hela fulani CRDB inatakiwa kuweza kuiweka katika margin yake tu.

That's just margin money. Ni hela ya kusumbua vibenki vidogo vinavyoanza biashara. Benki kubwa US $1M ilitakiwa kuwa kwenye margin of error.

Are the numbers I read on "The Wall Street Journal" giving me unrealistic expectations? or is CRDB making a US $ 5 - 10 million profit a quarter totally realistic?

Hivi Tanzania kuna wafanyabiashara wakubwa wangapi wenye hela zaidi ya US $ 1 million wenye account CRDB? Hela hizi CRDB inazizungushaje?

Tunalia mzunguko wa hela umedorora kwa sababu ya Magufuli kubana hela, hizi benki zinafanya kazi zake?

US $ 1 millionnis just 20 USD 50,000 Jeeps.

How many branches does CRDB have in Tanzania? How many ATMs does CRDB have? How much does CRDB make from interest?

Is this exposing how much CRDB was floating on sitting in government money and now that Magufuli is consolidating government money back into BOT banks like CRDB are sufferring?

Is this exposing hiw fraudulent the banking system in Tanzania is when a hatdass president like Magufuki steps in?

I was just reading about how Mgawe (former TPA DG) is being dragged into court over some banking sleaze. Is TPA just the tip of the iceberg?

Sawa deposit ya $ 2m is a different story from loss or profit of $ 2M.

But let's say our goal is at least breaking even.

A quarter has 3 months. Lets make that 90 days for simplicity.That means CRDB could not make a profit of $1M for 90 days?

Lets break that down daily to keep things in perspective.

Give them 100 days for filing and everything. I have done this bureaucratic filing with the Security and Exchange Commission in Washington DC as well as with the Financial Conduct Authority in London. So I can be sympathetic enough to throw in an extra 10 days.

That still means that CRDB cannot make a profit of US $ 10,000 a day. With all its customer base and parastatal tag.

Is that Charles Kilewo fellow still MD? That guy is a shame to the banking community in Tanzania and probably a big part of the reason this mess is taking place.

We nawe kujifanyaga msooomii....

Ungeandika tu kiswahili ungepingukiwa nini?

Huu utumwa hadi lini?

 

[Kajole]

Unajua hapa mi sielew vzur maana sijaona hizo financial statements hasa hasa INCOME STATEMENT maana natumia simu,kwa aliyefungua ni je kweli inaonesha NEGATIVE PROFIT au ni kuwa faida imepungua kwa 2 bilions compared to last year?.yaan kama mwaka jana walipata faida ya 24B mwaka huu wamepata 22B

 

[myoyambendi]

Like others Magufuli is bound to fail

DUH!.. mh!... loh!...

 

[iparamasa]

Aya ya mwisho inahitimisha na kutoa tafsiri pana ya nini kinachotakiwa kifanyike. Mbaya zaodi huu ubanaji wa uchumi hautokani na mpangilio wa kibajeti (fiscal adjustments). Bali kutofuatwa kwa bajeti. Sasa players wa uchumi wanatumia bajeti katika kufanya forecasting , wakati katika uhalisia hiyo bajeti ni kama "haipo".

bajeti haifuatwi, akienda chuo kikuu, anaahidi mabweni,kesho anapeleka hela bila kujali kwamba kwenye bajeti ilitengwa.

pia hata kufanya public private partnership ingewezekana kwa kutumia mifuko.ya pensheni

 

[iparamasa]

We nawe kujifanyaga msooomii....

Ungeandika tu kiswahili ungepingukiwa nini?

Huu utumwa hadi lini?

hata kiongozi wa chama chako japo ni hemedi phd ya korosho,kimombo kinamtoa knockout

 

[Mipangomingi]

What is the world best practise? Is it only done in Tanzania by JPM?Ninachojua fika ni kuwa wengi tunapenda njia rahisi ya mambo na kutoa lawama...baadae kutafuta mtu wa kumbambikizia hizo lawama.

Benki hizi nyingi zilikuwa zinaendeshwaje? Namna gani zilikuwa zinatengeneza mabilioni hayo ya faida? Wenzetu benk zipo kuwasaidia wajasiriamali kufanya biashara.
Nani mkopaji mkubwa wa hizo bank? Au kazi yake ilikuwa ni kusafirisha hela tu Escrow, EPA na madili mengine kwenda zinakokwenda?

Kama tunataka matokeo tofauti, lazima tujifunze kufikiria na kufanya tofauti. Jana imepita na leo sio lazima iwe jana. Anayekataa hilo ataanguka chali...ili wengine wainuke na kusukuma gurudumu la maendeleo mbele.

Depression na recession inatokea worldwide..wenzetu wanahangaika kutafuta namna ya kupata majawabu wakati changamoto zikijitokeza. Sisi tunafanyaje? Kulaumu hela ya umma kutoka commercial banks sio jawabu la kitaalamu...ni la kizushi

Binafsi, silaumu hizo akauti kuomdoshwa kwani zipo nchi nyingi tu zinafanya hivyo. Nachokiona ni serikali kushindwa kufanya economic stimuli hali inayoleta economic panic, kuathiri consumer confidence, investment confidence.

Serikali imetekeleza Sera nyingi zenye lengo moja bila kuangalia vipi zitaathiri sera nyingine. Simple logic ni kuwa if people can't get employed or receive enough salary, they can't consume much, as a result production goes down, brings further layoffs in t+1, consequently government will not able to collect enough tax and therefore unable to finance her government budget.

Economic indicators are highly dependent to each other. Other economists argue that economic indicators have their own way of communication whenever there is a shock. They are so automatic and very delicate.

 

[IDEGENDA]

hata kiongozi wa chama chako japo ni hemedi phd ya korosho,kimombo kinamtoa knockout

Huo ndio utumwa wenyewe! Kwako wewe kkujua kingereza ndio usomi?

Jikomboe ndugu!

 

[Happy nation]

Sh bilioni 2 si just under US $1 million?

Right?

Hizi ndizo hela za kuangusha benki?

Hiyo si deposit ya mtu mmoja tu benki?

Kama hizi figures ni kweli kwa benki kubwa kama CRDB, basi hali ya uchumi Tanzania ni mbaya kuliko nilivyokuwa nafikiri.

Mbaya sana tu.

Mpaka Magufuli ataisoma namba.

Tatizo siyo 2 bilion ila ulikuwa unatengeneza 30 bl sasa una loss ya 2 bilion.inamaana umepoteza faida 3o bilion na ukapata na hasara,ikiendelea kwa kiwango hicho loss itakayo fuata ni kubwa zaidi kwa sababu umetengeneza panic watu wataanza kutoa pesa kwa hofu na uwekaji utashuka unaweza kisia kuanzia hapo.

 

[laki si pesa.]

Serikali kutotabirika! There you nailed it Lusungo!
Kutotabirika kunaondoa investor confidence. Hakuna mwekezaji yeyote ataweka hela yake mahali pasipoeleweka jinsi gani; au wa muda gani fedha yake na faida pia itarudi.

Najua Juma Ponda Mali ni sifuri kuhusu uchumi. Lakini hata wapambe wake?

serikali kitotabirika nini maana yake kwamba uki invest serikali itakuja kukufilisi au?

 

[iparamasa]

Huo ndio utumwa wenyewe! Kwako wewe kkujua kingereza ndio usomi?

Jikomboe ndugu!

jf application zake zote za kiingereza, "like" "quote" "reply"

 

[iparamasa]

serikali kitotabirika nini maana yake kwamba uki invest serikali itakuja kukufilisi au?

hakuna certainity....matamko,

dunia ya biashara inahitaji utulivu,sasa watu wanatamka tu,wanatamka tu

sheria ziongoze,sio matamko ambayo yanakiuka sheria,vitisho,ubabe

 

[Titicomb]

Ingawa mimi siyo mchumi lakini naweza kukusahihisha kidogo.

Kilichokuwa kinafanyika siku kuwa serikali ilikuwa inakwenda kukopa pesa zake. Kama una pesa benki benk za kutosha zioni ni kwa nini ukope. Kama ni kukopa hata pesa uihamishie BOT hakutabadili kitu kwa vile ni ile ile.

Anyway, kilichokuwa kinafanyika serikali huwa inaauction treasury bonds kwa taasisi binafsi. Hizo bonds riba yake ni kubwa. Hivyo, bank zilikuwa zinatumia pesa za wateja including seriakali kununua hizo bond. Maana yake hizo bonds zilikuwa ninanunuliwa na pesa ya serikali wakati faida inakuwa ni ya bank!!

Pamoja mkuu.