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

[BAK]

Hakuna Serikali yoyote duniani inayoweza kufanya ujinga wa kuondoa kiasi kikubwa katika mzunguko wa pesa wa nchi husika na matokeo yako wazi kabisa kwamba hela imepotea mtaani hiyo siyo siri. Hakuna benefits zozote zile ambazo nchi inapata kutokana na kuondolewa kwa pesa nyingi kiasi hicho. Tatizo la Tanzania hata wasiojua kitu hujifanya nao wajuaji. Mabenki nchini yameathirika na uchumi wa nchi unayumba.

wewe ndo hujui uchumi na si Raisi wako . alicho fanya ni sahihi kabisa ile competition ya mabank iwe sawa. na si bank moja iwe na hela zabure wakati nyingine zinateseka kua na hela. wacha mabenk yote yakope kwausawa .

 

[kambale71]

Labda hii hasara inatokana na mikopo waliopewa wafanyakazi hewa 17,500 ambao wamegundulika na serikali ya Magufuli.

Yaa inawezekana lakini pia kwa riba mabazi mabenki inatoza na mazingira ya sasa ya kibiashara ni ngumu sana kwa wafanyabiashara kulipa vyema mikopo yao. Njia pekee ni Bot kuachia fedha kwa njia ya mikopo kwa mabenki kwa riba ndogo let say 5% na kuweka ceiling ya riba ambayo mabenki yatatoza let say isizidi 8%

 

[KIJANA2013]

Nimepita pita baadhi ya sehemu nikakutana na hii hapa, kutokana na maelezo ya namba 3, sioni iwapo ni tatizo kwa serikali kuweka pesa zake BOT.

Nawasilisha

Subsidiary Functions of the Bank of Tanzania
Apart from the primary function, the Bank of Tanzania has important subsidiary central banking functions.

1. The Bank of Issue
The Bank has the sole right to issue notes and coins in Tanzania for the purpose of directly influencing the amount of currency in circulation outside banks, thereby providing the economy with sufficient, but if possible, non-inflationary liquidity.

2. The Bankers' Bank
This function includes the acceptance of deposits to act as prudential reserves for these banks (i.e., the Minimum Reserves), the willingness to discount commercial and government paper, and the commitment to act as lender of last resort to these banks. It also involves the provision of central clearance facilities for interbank transactions.

3. The Governments' Bank
The Bank is the banker and the fiscal agent for the Governments, and may be the depository of the Governments. The Bank may make temporary advances to the Governments through its overdraft facility, subject to repayment within 180 days and through purchases (direct or rediscounting) of treasury bills issued by the Governments, which mature not later than 12 months from the date of issue. The total amount outstanding at any time of advances made in this manner shall not exceed one eighth of the average budgeted revenues (average of the actual collected revenues of the previous three fiscal years, excluding loans, grants, other forms of economic aid, and all borrowing, whether short-or long-term) of each Government.

4. The Advisor to the Governments
The Bank may advise the Governments on any matter relating to its functions, powers, and duties. The Bank may also be requested to advise the Governments on any matter related to its functions, powers, duties, the credit conditions in Tanzania, or any proposal, measures, and transactions relating thereto.

5. The Guardian of the Country's International Reserves
The Bank is the depository of the official external assets of Tanzania, including gold and foreign currency reserves. Guarding international reserves may imply the determination of buying and selling rates of gold and foreign exchange in foreign exchange markets and/or the buying and selling of reserve assets for the purpose of sustaining the national currency's external value. It also includes reserve management, with a view to the prudential investment of the funds, with due regard to safety, liquidity, and profitability, and external debt management.

6. Supervision of Banks and Financial Institutions
In general, this activity involves ensuring that commercial banks and other financial institutions conduct their business on a sound prudential basis and according to the various laws and regulations in force. It includes the supervision of banking conduct and the licensing of financial institutions. According to the Banking and Financial Institutions Act of 1991, and the new BOT Act, the main responsibilities of the Bank of Tanzania are:

1. implementation of prudential controls concerning capital adequacy, liquidity, concentration of credit and risk diversification, asset classification and provisioning, and prohibited activities
2. licensing of banks and financial institutions
3. facilitation and monitoring of a Deposit Insurance Fund, the purpose of which is the protection of small depositors, and
4. modification and monitoring of the Minimum Reserve Requirements and foreign exchange exposure.

7. Promotion of Financial Development
This refers to the establishment of an effective financial system, with the aid of which financial transactions necessary for the smooth functioning of the economy can be carried out with a minimum amount of cost and time involved. In this connection, the Bank has to be a facilitator of advanced clearing and transfer systems. It also implies that the necessary banking services, as, for example, deposit facilities and loan facilities, are made available. Included here is also the availability of certain specialised institutions, which could be represented, for example, by an industrial development bank and/or an agricultural development bank and micro-finance institutions, and the facilitation of a money market, a capital market, and a foreign exchange market.

 

[Kiranga]

We nawe kujifanyaga msooomii....

Ungeandika tu kiswahili ungepingukiwa nini?

Huu utumwa hadi lini?

Si lazima usome.

Hata nikiandika Kiswahili unaweza kusema naandika kwa msamiati mgumu.

Kama wewe hujui ligha hilo ni tatizo lako, sibtatizo langu.

Pia Kiingereza si usomi. Uingereza nchi nzima wanaongea Kiingereza. Hata ambao hawajasoma.

Wewe tatizo lajo ni zaidi ya Kiingereza. Wewe tatizo lako ni mvivu usiyependa kuwa challenged unataka kila kitu utafuniwe unavyotaka wewe.

Jifunze Kiingeteza ukijue na kuondoa tongotongo za macho ya ubongo ama acha wanaokitumia wakitumie bila kubugudhiwa.

 

[Benny Haraba]

Unataka afuate bajeti zilizopitishwa na wabunge walevi? Kufuata bajeti kumelisaidia vipi Taifa?

KM NDIIYO NAMNA YA UTAWALA HUU WA AWAMU YA TANO BASI HAKUNA HAJA YA BUNGE

 

[MJJ]

Mzee Kimei kwa mara ya kwanza ametangaza kupata hasara baada ya pesa ya Serikali kurudishwa BOT!

 

[Wakawaida-Mtukimya]

View attachment 427206

Niliwahi sikia tetesi kwamba huyo Prof. ndiye aliyekuwa waziri wa fedha/gavana wa benki kuu mtarajiwa endapo chadema ingechukua nchi. Sijawahi msikia hata mara moja akiongelea jema lolote juu ya Serikali ya JPM, yeye ni kupinga na kupinga na kupinga tu. Hata mambo yaliyowazi atajitahidi kuyapindisha hadi yapinge. Hata paliponyooka kimantiki, yeye ataweka kipingamizi cha kupindua na kupingisha. Na akishagundua amestukiwa au hoja yake imethibitika kuwa dhaifu, anaitetea kwa kujifanya hakumaanisha alilotoka kulisema. He is not objective at all, he have a very big stone to grind versus JPM.

Hadi sasa hakuna benki yoyote iliyokatazwa kwenda kukopa benki kuu ili kuongeza uwezo wake wa kukopesha. Ila, kuna watu bado wanaamini kwamba wanauwezo wa kubadilisha muelekeo wa mabadiliko ambayo yameshaanza kufanyika: Wameshashindwa!

Wenye ufahamu wanajua fika, kwamba hii ni ngwe ya awali tu, kinachofuata kweli watu watatikisika. Mambo ambayo yameanza kufanyika mwezi wa tisa, yameivusha awamu ya tano kwenda kwenye hatua isiyoweza kujesheka. Hii ndiyo inaitwa muhamo wa riwaza (paradigm shift), ili uweze kwenda nao, ni lazima upate namna mpya kabisa ya kuona mambo. Elimu ya historia ya taaluma (uchumi katika hili) hautakusaidia, kwa kuwa kinachofanyika sasa, kitakuwa mfano fundisho kwa wachumi wengi miaka ijayo. Kodolea macho mpaka uone.

 

[Earthmover]

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"

...
....well said MKUU

 

[Kiranga]

Nimepita pita baadhi ya sehemu nikakutana na hii hapa, kutokana na maelezo ya namba 3, sioni iwapo ni tatizo kwa serikali kuweka pesa zake BOT.

Nawasilisha

Subsidiary Functions of the Bank of Tanzania
Apart from the primary function, the Bank of Tanzania has important subsidiary central banking functions.

1. The Bank of Issue
The Bank has the sole right to issue notes and coins in Tanzania for the purpose of directly influencing the amount of currency in circulation outside banks, thereby providing the economy with sufficient, but if possible, non-inflationary liquidity.

2. The Bankers' Bank
This function includes the acceptance of deposits to act as prudential reserves for these banks (i.e., the Minimum Reserves), the willingness to discount commercial and government paper, and the commitment to act as lender of last resort to these banks. It also involves the provision of central clearance facilities for interbank transactions.

3. The Governments' Bank
The Bank is the banker and the fiscal agent for the Governments, and may be the depository of the Governments. The Bank may make temporary advances to the Governments through its overdraft facility, subject to repayment within 180 days and through purchases (direct or rediscounting) of treasury bills issued by the Governments, which mature not later than 12 months from the date of issue. The total amount outstanding at any time of advances made in this manner shall not exceed one eighth of the average budgeted revenues (average of the actual collected revenues of the previous three fiscal years, excluding loans, grants, other forms of economic aid, and all borrowing, whether short-or long-term) of each Government.

4. The Advisor to the Governments
The Bank may advise the Governments on any matter relating to its functions, powers, and duties. The Bank may also be requested to advise the Governments on any matter related to its functions, powers, duties, the credit conditions in Tanzania, or any proposal, measures, and transactions relating thereto.

5. The Guardian of the Country's International Reserves
The Bank is the depository of the official external assets of Tanzania, including gold and foreign currency reserves. Guarding international reserves may imply the determination of buying and selling rates of gold and foreign exchange in foreign exchange markets and/or the buying and selling of reserve assets for the purpose of sustaining the national currency's external value. It also includes reserve management, with a view to the prudential investment of the funds, with due regard to safety, liquidity, and profitability, and external debt management.

6. Supervision of Banks and Financial Institutions
In general, this activity involves ensuring that commercial banks and other financial institutions conduct their business on a sound prudential basis and according to the various laws and regulations in force. It includes the supervision of banking conduct and the licensing of financial institutions. According to the Banking and Financial Institutions Act of 1991, and the new BOT Act, the main responsibilities of the Bank of Tanzania are:

1. implementation of prudential controls concerning capital adequacy, liquidity, concentration of credit and risk diversification, asset classification and provisioning, and prohibited activities
2. licensing of banks and financial institutions
3. facilitation and monitoring of a Deposit Insurance Fund, the purpose of which is the protection of small depositors, and
4. modification and monitoring of the Minimum Reserve Requirements and foreign exchange exposure.

7. Promotion of Financial Development
This refers to the establishment of an effective financial system, with the aid of which financial transactions necessary for the smooth functioning of the economy can be carried out with a minimum amount of cost and time involved. In this connection, the Bank has to be a facilitator of advanced clearing and transfer systems. It also implies that the necessary banking services, as, for example, deposit facilities and loan facilities, are made available. Included here is also the availability of certain specialised institutions, which could be represented, for example, by an industrial development bank and/or an agricultural development bank and micro-finance institutions, and the facilitation of a money market, a capital market, and a foreign exchange market.

Tatizo unaposema "pesa za serikali" maana yake nini?

Pesa za mashirika ya umma kama Bandari, NSSF na TANESCO unazihesabu katika hizo pesa za serikali zinazotakiwa kuwekwa BOT?

 

[Kajole]

Serikali kutunza fedha zake BOT ni sahihi kabisa maana one and traditional function of BOT is a " banker of the Government". hapa kuna tatizo kwny hzi commercial banks zetu.

 

[Masasaa]

Karibu 5 trilioni imeondolewa kwenye mzunguko wa pesa nchini imelala pale BoT idle tu haifanyi kazi yoyote ile! wakati hii pesa ingekuwa kwenye mabenki ya biashara ingekuwa inazunguka kwa namna mbali mbali ikiwemo mikopo n.k. Hivyo benki za biashara zinafaidika na nchi pia inafaidika kwani watu wanakopa pesa wanafanya mambo mbali mbali ikiwemo kuinvest kwenye biashara mbali mbali, kufanya ujenzi etc. Wewe Rais hujik lolote kuhusu uchumi una washauru wa mambo ya uchumi lakini unakurupuka na kuondoa 5 trilioni shillings kwenye mzunguko wa pesa nchini.

Mbona nmb wametengeneza faida, hawa walikuwa wanatumia pesa za mashirika ya umma bure, sasa zipo bot wanachotakiwa ni kuzikopa na wao kuzikopesha kwa umma

 

[Chemtrail]

Very sad indeed.There is no way a nation can live on debt sustainably.At one point the debt buble will burst.Are we already there?Time will tell.Do people remember the case of Iceland!I doubt it so much.People seem to be believe "conspirators" so much that they do not learn from very obvious mistakes.

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

 

[kantalambazi]

Pesa zote za Serikali zikae BOT ili Serikali Ione pesa zake zinavyoingia na kutoka ili kuthibiti wizi na ubdhirifu uliokua ukifanya kati ya maafisa wa Serikali WASIO waaminifu wakishirikiana na maafisa wa benki za kibiashara.Benki za kibiashara ziwe bunifu zaidi ili kuvutia wateja zaidi na si kuvizia pesa za Serikali.

 

[laki si pesa.]

Hakuna Serikali yoyote duniani inayoweza kufanya ujinga wa kuondoa kiasi kikubwa katika mzunguko wa pesa wa nchi husika na matokeo yako wazi kabisa kwamba hela imepotea mtaani hiyo siyo siri. Hakuna benefits zozote zile ambazo nchi inapata kutokana na kuondolewa kwa pesa nyingi kiasi hicho. Tatizo la Tanzania hata wasiojua kitu hujifanya nao wajuaji. Mabenki nchini yameathirika na uchumi wa nchi unayumba.

Nchi zote duniani pesa za serikali ziko BOT....Tanzania tumechelewa sana kuzipeleka huko.

 

[BAK]

Huwezi ukakurupuka na kuondoa 5 Trilioni kwenye money circulation ya nchi bila kuwepo athari katika uchumi wa nchi in a negative way. Sasa uchumi wa nchi unayumba kwa kukurupuka na mwendo kasi. Huyo mkurupukaji alitakiwa akae chini na washauri wa uchumi, lakini yeye kwa kuwa ana Phd uchwara anajiona anajua kila kitu kuliko yoyote yule.

Nchi zote duniani pesa za serikali ziko BOT....Tanzania tumechelewa sana kuzipeleka huko.

 

[Ubavu]

Nilichoelewa hapa ni kuwa CRDB imepata hasara ya US dollar 1M. Hayo mambo mengine yaki mahesabu sijaelewa hata moja....!

 

[Ekotike]

Kimei kwishney

 

[BAK]

Nani alikwambia walikuwa wanatumia pesa hizo bure!? Acha kukurupuka banaaa! Hakuna Serikali yoyote ile duniani itaweka pesa zake katika benki za biashara bila kufaidika. Acheni kukurupuka kwa mambo msiyoyajua.

Mbona nmb wametengeneza faida, hawa walikuwa wanatumia pesa za mashirika ya umma bure, sasa zipo bot wanachotakiwa ni kuzikopa na wao kuzikopesha kwa umma

 

[jpmuchwara]

Nani aliyekwambia CRDB kupata hasara ni anguko la uchumi? na inapo pata faida huo uchumi unakuwa unapaa kiasi gani? wakati yeye anapata faida siku zote kuna wengine nao walikuwa wanapata hasara.... wajitazame upya

Wewe kada akili ziko Lumumba kwenye vibuyu?

 

[Msarendo]

Wamepika data wanaogopa kutumbuliwa