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

[Lwiva]

Baba ubaya at work

 

[MlimaSayuni]

Namuunga Magufuli kwenye baadhi ya mambo, ila anafeli anapojaribu kucontrol pesa kwenye Mzunguko, cause kihualisia Bank binafsi na wananchi wanapesa nyingi kuliko fedha zilizopo Benki kuu

 

[Wacha1]

Kama wamepata hasara wanawaambia share holders hiyo hasara imetokana na nini? Bank zote zilikuwa zinafanya biashara na pesa za watu (mashirika ya umma nk.) Wacha waisome number wafanye shughuli za ki-bank sio kukaa na kungoja baraka ya kuwaibia walipa kodi. They need to change how they operate.

 

[waltham]

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!!!

 

[iparamasa]

nchi inazidi kuoza kama donda ndugu

 

[kanyela mumo]

Nafikiri tuipe muda wa kutosha serikali yetu.

Baadhi ya haya mabank yalizoea kufanya biashara na serikali yenyewe.

Kiasi kwamba wakawa hawataki kutoa mikopo kwa wajasilia mali, kwa kuwa biashara kubwa wanafanya na serikali yenyewe.

Nakumbuka Mh Rais alipiga marufu taasisi za serikali kupitisha kwenye mabank hovyo hovyo, mzigo uwe B.O.T tu.

Kwa sababu, uko kwenye mabank tofauti na B.O.T ndio kuna upigaji na utakatishaji mkubwa wa pesa.

Ni muda wa mabank kutoka njee ya Ofisi zao na kuwekeza kwa Wananchi

waliopo kwenye makundi na wenye kuitaji mikopo ili kuendeleza biashara zao.

Kama kulikuwa na wafanyakazi hewa, Trafick hewa, Waziri hewa, Polisi hewa mikataba, Lorge au Nyumba za kulala wageni hewa, na mpaka mke au mume hewa.

kwanini kusiwe na mabank hewa?

Tumuunge mkono Mh Rais kwasababu anajua anacho kifanya.

Haya mabank soon utaona riba zinashuka, na pia yatatoa mkopo mpaka kwa mtu wa chini bila dhamana, kwa sababu mchukuaji mkopo atakuwa kwenye mfumo lasimi wa kutamburika.

Tanzania muda si mrefu itakuwa Nchi yenye nguvu Afrika na watu watazamia kuja hapa Tanzania.

Chamsingi tutoe ushirikiano katika serikali yetu hasa pale kwa matukio yenye kuleta viashilia vya kuvunja Amani tuliyo nayo.

 

[Wacha1]

Ushabiki usio na maana ndio unaowafanya Watanzania kutoendelea. Banks za Tanzania hawatoi mikopo kwa kuzingatia vigezo kwa wanaokopa, wengi ni kuelewana na bank managers etc. Interest rates hazina ushindani kati ya bank na bank. Umefika wakati Bank wafanye kazi zao kwa mujibu wa sheria na ushindani. Je, ni Watanzania wangapi wanaweza kujivunia maendeleo yao kutokana na mikopo inayotolewa na Mabenki yetu? Je, hao ni asilimia ngapi?

Ni wakati sasa Banks ziwe rated kutokana na kuwakwamua WTZ hasa walio vijijini kuwawezesha kupata pembejeo za kuwaendeleza, iwe kwenye kilimo, mifugo nk. Hawa wezi wa kisasa waliojikita kudhulumu juhudi za walipa kodi muda wao umekwisha. Wanaolalamika hakuna pesa kwenye mzunguko wamepitwa na wakati, hatuwezi kuwa na pesa kwenye mzunguko zinazotokana na kuuza unga au pembe za ndovu, tunataka pesa kwenye mzunguko zinazotokana na juhudi za kimaendeleo kwenye viashirio vya uchumi.

 

[iparamasa]

anatengeneza mashetani

 

[Congo]

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.

Kumbe rais alikuwa sahihi aliposema kuwa wakati serikali inahangaika kukopa ili kupata fedha za maendekeo kutoka mabenki, mabenki hayo hayo yanatumia fesha hizohizo za serikali kuikopesha serikali. Kwa maana kuwa serikali inakopa fedha zake yenyewe.

 

[BAK]

Huelewi Mkuu, Serikali katika pesa hizo ilizoziondoa mabenki ya biashara ilikuwa inafaidika, sasa hivi haifadiki kwa hizo pesa nyingi kiasi hicho kukaa idle pale BoT. Mabenki ya biashara nayo yalikuwa yanafaidika, Watanzania nao walikuwa na wanafaidika na mwisho kuongeza mapato kwa Serikali kupitia TRA.

Kumbe rais alikuwa sahihi aliposema kuwa wakati serikali inahangaika kukopa ili kupata fedha za maendekeo kutoka mabenki, mabenki hayo hayo yanatumia fesha hizohizo za serikali kuikopesha serikali. Kwa maana kuwa serikali inakopa fedha zake yenyewe.

 

[iparamasa]

Kumbe rais alikuwa sahihi aliposema kuwa wakati serikali inahangaika kukopa ili kupata fedha za maendekeo kutoka mabenki, mabenki hayo hayo yanatumia fesha hizohizo za serikali kuikopesha serikali. Kwa maana kuwa serikali inakopa fedha zake yenyewe.

upotoshaji tu......makampuni makubwa huwa yanahifadhi pesa nyingi benki,na bado huwa yanakopa benki!!


huu uchumi mliosomea chini ya miti ya korosho unaligharimu taifa

 

[MABAKULI]

Hajui kwamba pesa inatakiwaga izunguke.
Azijaze huko BOT zitage

NIMEPITA HAPA MAGOGONI ,IKULU NIMEKUTA BONGE LA PAKA (NYAU) LIMERUKA GETI NIKARIFATILIA NIMELIACHA LINAPEKUAPEKUA MSOSI KWENYE JALALA SOKO LA FERI SIJUI HATA HUKO BALANCE SHEET INA NEGATIVE

 

[Mr Equalizer]

acha nisuburi wajuzi waje.

 

[iparamasa]

NIMEPITA HAPA MAGOGONI ,IKULU NIMEKUTA BONGE LA PAKA (NYAU) LIMERUKA GETI NIKARIFATILIA NIMELIACHA LINAPEKUAPEKUA MSOSI KWENYE JALALA SOKO LA FERI SIJUI HATA HUKO BALANCE SHEET INA NEGATIVE

🙄🙄🙄😀😀😀😱😱😡😡🙁🙁🙂🙂

 

[jabulani]

anahangaika kuwachekesha wananchi na kuwapa matumaini hewa kwa kutumbua sijui mara uhakiki,

unaacha suala msingi la kuboresha uchumi,kila siku unaomba vyeti vya mwalimu Tandahimba,cheti kimoja unakiomba mara kumi kumi,

huku unaacha uchumi unateketea kwa moto mkali,what a joke!! hivi anapolipa mishahara huwa anafikiri hela inatoka wapi? hizo ni kodi za biashara ndogondogo na za kati,

kimsingi,nasubiri nione Kampuni ya bia Tanzania nayo itatangaza kupungua kwa mapato yake,nataraji pia serengeti brewries watangaze hasara au kupungua kwa mapato

Big up. Akiiona hii atajiona mpumbavu.

 

[TumainiEl]

Kwa miaka mingi CRDB ilikuwa ikifanya biashara na serikali na hivyo kuwa na fedha za kiinimacho kwamba inafanya biashara safi na faidi inapatikana kila mwaka.

Na hata kupanua shughuli zake hadi Rwanda ni katika kuufahamisha umma kwamba ni benki inayoweza kuaminiwa.

Lakini nyuma ya pazia kulikuwa na ubadhirifu mkuwa na ufisadi kati ya wafanyakazi wa CRDB pamoja na wale watumishi waso waaminifu wa serikali.

Walichokuwa wakifanya ni kucheza na zile amana za serikali na pia baadhi ya wafanyakazi wa benki hiyo wakitumika kidhinisha mikopo hewa ya hadi milioni 300 ilhali thamani halisi ya mkopo au nyumba ni milioni 100-150

Hapo ndipo utaalam wa Dr Charles Kimei ambae ni mchumi wa kuaminiwa kupewa vyombo vya Fedha , unapoleta mashaka makubwa.

Richard huo ndio ukweli mengine majungu ila mtu kama Dr jela inamuhusu trust me.

 

[Ndalama]

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

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

Walipokuwa wanaonesha kupata profit mbona mlikuwa hamuwaombi TRA wachunguze?

 

[laki si pesa.]

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"

Tutakopa Finca

 

[TumainiEl]

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

Kijana umeandika kama mjinga fulani asie juwa sheria na miongozo ya fedha. Mim nikusaidie tu kwa kukuambia soma comment za wataalam humu ndipo uwandike nje ya hapo kwenye hii mada wewe ni kikinda huna kitu. Uko mweupe kuanzia mambo ya fedha mpaka kisiasa. Funga domo.

 

[laki si pesa.]

anahangaika kuwachekesha wananchi na kuwapa matumaini hewa kwa kutumbua sijui mara uhakiki,

unaacha suala msingi la kuboresha uchumi,kila siku unaomba vyeti vya mwalimu Tandahimba,cheti kimoja unakiomba mara kumi kumi,

huku unaacha uchumi unateketea kwa moto mkali,what a joke!! hivi anapolipa mishahara huwa anafikiri hela inatoka wapi? hizo ni kodi za biashara ndogondogo na za kati,

kimsingi,nasubiri nione Kampuni ya bia Tanzania nayo itatangaza kupungua kwa mapato yake,nataraji pia serengeti brewries watangaze hasara au kupungua kwa mapato

CRDB walikuwa wanafanya biashara haramu na fedha za serikali....hii benki imetumika sana na mafisadi ...mafisadi wamebanwa ndio maana imefilisika