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

[Emc2]

Hazara ndio kitu gani hicho?

 

[zithromax]

kwa hiyo na wewe kampuni yako ikiweka fedha benki,ukasikia benki inatoa mikopo kwa wingi,na wewe huwa zinakuuma?kwamba fedha zako zinaipa faida benki

wew na we ukiweka pesa bank fixed a/c bank inazungusha na wew unapata kulingana na rate za bank husika , sasa kwa serikali jamaa walikuwa wanazizungusha huku serikali ikiwa hainufaiki chochote na pia ilifanya mabank kubweteka na kutotafuta wateja ili kuongeza mtaji ,kwa kuwa kulikuwa na uhakikia wa pesa kwenye account zao

 

[Tamama]

nitarudi

 

[Pakawa]

Waanze na waliopo ndani ya CRDB kurudisha mikopo. Zoezi la kuuza na kutaifisha Mali kwa wakopaji lianze!

 

[steveachi]

Tunajenga Tanzania moja lakini serikali inagombania fito,eti inasema benki zilikuwa zinatumia fedha za serikali kukopesha wananchi na kupata faida.

Ebbo!!, sasa na bakhresa,mengi,mohamed dewji na matajiri wengine wanaoweka fedha benki nao wazitoe kwa hoja kwamba benki huwa wanatumia hela zao kukopesha?

je wakishakopesha, serikali ikienda kuangalia balansi,au ikienda kuzichukua huwa inaambiwa "fedha zenu hazipo,tumezikopesha"....si huwa wanazikuta!!tena zikiwa na riba!!

je wanaokopa ni akina nani? si hawa akina hawa,asha,mwajuma,abdallah,masanja.....watanzania wenzetu ili wakaanzishe biashara zao ndogo ndogo wajikomboe na umasikini!,

sasa serikali imeona hawa watanzania.wanakopa fedha benki wanazifaidi(na inaamini eti zinazokopwa ni za serikali tu),ikaamua izitoe,sasa inamkomoa nani? inazikomoa benki au wafanyabiashara wadogo na wa kati ambao sasa hawapati mikopo na wanalia hali ngumu!

halafu unapokusanya pesa na kwenda "kuzificha" benki kuu unazuia mzunguko,benki kuu itayahifadhi malundo kwa malundo ya pesa tu,haiwezi kwenda tandale kumkopesha mama ntilie,haiwezi kwenda mtaa wa kongo kumkopesha mjasiliamali,

kwa maana nyingine,"unakomba"hela zoote za nchi,"unazificha,halafu unataka watu wafanyeje? manake huku ni kuficha hela.

kingine,hiyo CRDB ni benki ya nani?si ni benki ya mtanzania? kama kwa.miaka zaidi ya 20wameonyesha uaminifu kwa kutopoteza hata senti ya umma iliyohifadhiwa pale,kwa nini wewe ukae mwezi tu serikalini eti uwazidi akili mwinyi,mkapa na kikwete!!

tunagombania fito,na kwa kuwa tunagombania fito,hakika nyumba haitaisha,ukishika fito unanyanganywa,na mimk ukishika fito nakunyanganya......tutagombana weee mwishowe akija aliyetupa kazi (mtanzania)kutaka akabidhiwe nyumba,tutakoma 2020

Basi,basi,basi mkuu,umemaliza kila kitu,kuna haja ya katiba yetu ipendekeze kuwa Rais lazima awe na ABC za uchumi,watu wasiokuwa na uelewa huu wataiangamiza hii nchi aisee

 

[Fundisi Muhapa]

Wanaolia lia ni CRDB tu kwa sababu ya mafisadi na wizi wao umebanwa...kuna benki nyingi tu zinapata faida nzuri

Ikiwemo Twiga Bancorp

 

[DON SINYORI]

hii nomaaaa.itafika siku mpaka magu mwenyewe ataisoma namba

 

[waltham]

Hazara ndio kitu gani hicho?

sijui pia......... Lakini benki lako lapata hazara opppps hasara kubwa hivi............tupashe utarudi sideshow baadaye....

 

[MK254]

Hivi nini kinatendeka Bongo. Pamoja na utani wetu ila hii siipendi maana ni hatari huko mnakokwenda. Kuna baadhi yetu ni wawekezaji hiyo Tanzania.

Jameni CRDB ni benki kubwa ambayo imebeba Watanzania wengi. Inakuaje wapate hasara kiasi hicho.

 

[Barbarosa]

Tanzania’s largest bank posts Sh2bn quarterly loss
Dar es Salaam. Tanzania’s largest bank, CRDB, has posted a Sh1.9 billion loss in the third quarter of this year due to a large number of unpaid loans as well as accumulating tax bills from the past.

The loss is a significant dip from the Sh24.4 billion after tax it gained in the second quarter of this year. The bank got Sh37.6 billion profit after tax in the third quarter of 2015.

A financial statement published in newspapers over the weekend also showed the bank had also an extensive expansion drive which culminated in adding 82 branches for the whole CRDB group.

“The group’s cumulative profit was impacted by strong provisions from non-performing loans (NPL) to align with changing regulatory requirements… The group has also provided for past tax expense in relation to 2011-2013 tax claims,” the statement said in part.

The statement shows that the amount of bad loans written off by the CRDB’s accounting books reached Sh38.6 billion in September this year from Sh19 billion in June.

The CRDB Bank, which is listed in the Dar es Salaam stock exchange, is the largest bank with Sh5.3 trillion in total assets as by September 2016. The assets have, however, declined by Sh200 billion from the Sh5.5 trillion recorded at the end of the second quarter in June this year. The bank is also the largest in terms of customers deposits which remained unchanged at Sh3.9 trillion.

Even as CRDB Tanzania recorded a loss the CRDB group, which has operations in neighbouring countries such as Burundi, registered a Sh2.8 billion profit after tax at the group level in September, 2016, which is a decrease from Sh38.5 billion after tax it registered in the same quarter in 2015. The CRDB group earned Sh28.5 billion profit after tax by the end of June 2016.

The news of the loss of CRDB Bank comes after the Bank of Tanzania announced that it has taken over the operations of Twiga Bancorp which is on the verge of collapse. Twiga registered a loss of Sh694 million after tax in September 2016 from a profit after tax of Sh189 million in June, 2016. Bank of Tanzania governor Benno Ndulu said Twiga is significantly undercapitalised and it would close for the whole of this week as the BoT determines the way forward.

Experts say commercial banks are passing through difficult times currently because of a crackdown on tax evasion, corruption and embezzlement which has reduced people’s purchasing power and the capacity of some to pay back their loans.

Prof Honest Ngowi of Mzumbe University says what is happening in the banking sector is a reflection of the real situation in the economy.

“Banks’ main business is loans and when businesses are not performing very well then there is a possibility of an increase non-performing loans. So harsh tax and austerity measures implemented by the new government could be partly to blame,” he said.

Some other banks have recorded losses and others a significant reduction in profit after tax in the third quarter according to a survey done by The Citizen on published financial statements of banks. Amana Bank, for example, registered a loss after tax of Sh195 million in September, 2016 from a Sh517 million profit after tax in the second quarter that ended in June, 2016. NBC Bank’s profit after tax declined to Sh984 million in September 2016 from the profit of Sh4 billion in June of the same year.

Experts say the decision by the government to direct its institutions to transfer their money to the BoT also has affected the profits of many banks.

In January this year, the government ordered ministries, public corporations and local government authorities to immediately transfer their money to the central bank, a move that was estimated to remove Sh500 billion from commercial banks. Tanzania has over 50 banks but 70 per cent of the market is dominated by the 10 largest banks in terms of assets, deposits and gross loans.

By Citizen Reporters news@tz.nationmedia.com

Tupasheni kulikoni huko!!!

Hahah hii Wazungu wanaita Schadenfreude, lkn kama ulikuwa unanawiri kwa kutegemea bad news ktk TZ yetu basi utasubiri sana, TZ yetu ni Mpango Mungu, na Meli yetu ya mafanikio ndiyo imeshang'oa nanga tena, pole sana!

 

[waltham]

Hahah hii Wazungu wanaita Schadenfreude, lkn kama ulikuwa unanawiri kwa kutegemea bad news ktk TZ yetu basi utasubiri sana, TZ yetu ni Mpango Mungu, na Meli yetu ya mafanikio ndiyo imeshang'oa nanga tena, pole sana!

Kando na kumwomba mungu......naelewa ni wakati mugu huu........naomba sasa urudi kwa mada utoe maoni kulingana na kichwa cha habari!!!

 

[Barbarosa]

Kando na kumwomba mungu......naelewa ni wakati mugu huu........naomba sasa urudi kwa mada utoe maoni kulingana na kichwa cha habari!!!

Sina maoni yoyote yale, ni kawaida kwa Benki zote Duniani kupata faida au hasara kwa nyakati mbali mbali!

 

[Egwugu]

Ni nani asiyejua CRDB ilikuwa chini ya wapigaji? hii benki ilikuwa inaratibu dili feki nyingi sana hapa nchini na sasa huu ndo mda wao kuumbuka ...

 

[Koba]

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.

Wrong wrong wrong wrong mnaua uchumi nyie hamfai kabisa

 

[BAK]

Hakuna aliyesema si sahihi, je Serikali ilikaa chini na washauri wa uchumi kuangalia negative impact ya kuondoa 5 Trilioni kwenye mzunguko wa pesa nchini!? Jibu ni hapana Magufuli alikurupuka. Naamini kabisa kama angwashirikisha washauri wa uchumi wasingeafikiana naye.

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.

 

[Kajole]

Hakuna aliyesema si sahihi, je Serikali ilikaa chini na washauri wa uchumi kuangalia negative impact ya kuondoa 5 Trilioni kwenye mzunguko wa pesa nchini!? Jibu ni hapana Magufuli alikurupuka. Naamini kabisa kama angwashirikisha washauri wa uchumi wasingeafikiana naye.

Washauriane nin kwan hao wachumi wa hzo bank hawajui kuwa fedha ya serikali inawekwa BOT?,Walikuwa wanaishi kwa mazoea tu bila kufuata taratibu leo taratibu zinafuatwa wanalalama eti serikal inatunza fedha zake BOT sasa walitaka zitunzwe wap?
mi nasema labda serikali iongeze matumiz ili kuleta fedha kwa wananchi lakn c hlo la kutoa fedha to banks to BOT

 

[SANCTUS ANACLETUS]

Huo n

Mkuu Lusungo, serikali nayo fedha na kuanzia mwakani itaiambia BOT iingize fedha kwenye mzunguko.

Lakini ni lazima serikali ibane matumizi ili kuwe na uwiano na mapato na matumizi.

Hili la hizi benki tumelijadili sana hapa JF na sasa umefika wakati wake kwamba ni zile benki halisi ndizo zitaweza kusalimika lakini zile za binafsi haziwezi kusalimika kwani pia zilikuwa zikitumika kutorosha fedha nje ya nchi na ufisadi mwingine.

Kuhusu watu kuficha fedha kwa hofu ya serikali hii kutotabirika hio nadhani ni hofu tu ila wapo watu ambao walitorosha fedha kwa kuhofia kuulizwa wamezipataje.

Ila bado wapo wafanyabiashara wana fedha zao kwenye mabenki na wanaendelea na shughuli zao kama kawaida.

Lakini serikali ikianza kuongeza fedha kwenye mzunguko baada ya mipango yake yote kukamilika ambayo inafanya sasa hivi na BOT, basi hali itakuwa shwari.

Mkuu, mambo ambayo yalikuwa yakitendeka hapa nchini ni mambo ya hatari sana kuhusu uchumi wetu yaani haukuwa uchumi wa Tanzania, ulikuwa ni uchumi wa kigeni ulotawaliwa na dola na shilingi yetu ilifika hadi tshs 3800 kwa GBP 1! Yaani ilikuwa ikielekea Tshs 4,000!

Sasa hivi utashangaa ukiingia Azania Bancorp unaona tellers wako na kazi zingine lakini BOT staff wapo nyuma ya counters wanashughulikia masuala muhimu.

Huo ndio ukweli mkuu.Nakushukuru sana kwa kuongea kile wasichokijua wengi.Kila kitu kilikuwa hewa: watumishi hewa,mishahara hewa,wanafunzi hewa na uchumi hewa.

 

[BAK]

Hahahaha lol! Kwa hiyo hakuna sababu ya kushauriana negative impact ya kuondoa 5 Trilioni kwenye money circulation nchini. Acheni kukurupuka katika fani ambazo hamna taaluma. Wachumi wangemwambia huyo mkurupukaji athari ambazo sasa tunaziona za uchumi wa nchi kuyumba. Angeamua kuweza kuwasikiliza na hivyo kutoziondoa hizo pesa ili kuepuka athari kubwa kiuchumi au angeamua kuendelea na mwendo kasi wake. Magufuli hajui chochote kuhusu mambo ya uchumi na ukurupukaji wake katika maamuzi yake mengi ni janga kubwa la Taifa na hili la kuondoa 5 Trilioni kwenye mzunguko wa pesa nchini ni moja ya majanga ya huyu mkurupukaji.

Washauriane nin kwan hao wachumi wa hzo bank hawajui kuwa fedha ya serikali inawekwa BOT?,Walikuwa wanaishi kwa mazoea tu bila kufuata taratibu leo taratibu zinafuatwa wanalalama eti serikal inatunza fedha zake BOT sasa walitaka zitunzwe wap?
mi nasema labda serikali iongeze matumiz ili kuleta fedha kwa wananchi lakn c hlo la kutoa fedha to banks to BOT

 

[sibusiso dlomo]

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"

asante sana ...wachache sana wanaelewa hii kitu

 

[Msambaa mkweli]

JPM upo sahihi kukusanya pesa za serikali BOT, Commercial Bank pamoja na mashirika baadhi ya Serikali wametumia fedha za umma kujipatia faida kubwa (interest) katika mifuko yao binafsi na Serikali kujipatia faida kidogo sana. (Ushahidi ni huu unaoonekana sasa wa baadhi ya commercial bank kupata hasara na kufilisika).

Inatia hofu kwani hizi c-bank si zilikuwa na mitaji yake? au walijisahau kuwa c-bank walipaswa kuwa wabunifu kibiashara?

Any way Ushauri wangu BOT, JPM wakopeshe hao c-bank, kwa masharti kuwa, watoe mikopo kwa cc wananchi kwa masharti nafuu(riba), kwani walijisahau kuwa wanapaswa kuwa wabunifu na sio kutegemea fedha za Serikali wao kujiendesha.

Big Up JPM umewakubusha wawe wabunifu kibiashara. Naomba ufuatilie kwa makini inawezekana baadhi ya c-bank wakatoa ripoti zao kuwa wamepata hasara kumbe si kweli sambamba na baadhi ya mashirika iwe ya umma ama binafsi.

Mabenk ya Biashara kuweni wabunifu kibiashara.

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