fikirikwanza
JF-Expert Member
- Jan 25, 2012
- 7,452
- 3,065
Bora JPM amekuwa msikivu kwa hili maana wateja ambao hawana hatia hawajui hili wale lile isipokuwa kujitafutia na kuweka pesa benki wamefarijika na uamuzi huo
Hapana kasema kwa sasa hivi hao Bank M wana ukasi wa Tirioni 1 sio wakati inaanzishwa.Concept ambayo labda niliielewa ni kwamba, walianzisha Bank wakiwa na mtaji wa trillion 1, kwahiyo wamefilisika hadi chini ya billions 15, ambacho ndio kiwango cha chini.
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Hata uwe na billion 1 utambulia kupewa 1.5 mln.......Hivi bank mfano NBC ikibinafsishwa ama kugilisika nn hatma ya amana za wateja ?
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Wewe ndio wale watanzania ambao hamna akili wanaoshabikia ccm waliosemwa na twaweza, sasa inahitaji hisabati gani kuona uhuni wa BOT.mshaanza bange zenu sasa ... au mnataka polepole aje awafundishe hisabati ...
Kwa ulivyocomment hapa nimegundua kuwa ww ni MHASIBU... kwa maana hata WACHUMI si wadadavuaji wa hayo mambo... Hongerawana mali zinazofika 1Trikion baada ya uthamini kufanyika, ishu ni kwamba hawakuwa na pesa cash za kulipa madeni yao, sasa huwezi mlipa mtu amekuja kuchukua pesaa yake ukamlipa nyumba ambayo ni mali yako mfano huu, hivyo mali unazo ila pesa cash huna ndio inaitwa liquidity/ukwasi
Hata neno liquidity linatokana na liquid to be able to take any shape, sasa kama una basi 600 harafu huna cash milioni 200 za kulipa watu wanaokudai, unaingia kwenye liquidity issues,
Mali unazo ila huna pesa za kuwalipa wanaokudai ama unalipa kwa taabu subiri kesho njoo jioni unatafuta wateja wa basi ukiuza moja unakilmbia kulipa, mara haitoshi hata kulipa watu 5 etc etc
Duh! ooop! nadhani nimeeleweka vibaya ... sijamaanisha kuwa nimewaelewa BOT walicho fanya ... niliingiza 'joke' sababu tulipo ambiwa kuna pesa haifahamiki imetumika wapi, polepole alikuja kutufundisha hesabu, ingawa haiingii akili kwa CAG kukosolewa kwa njia kama ile, hivyo ni siasa sasa leo mahesabu mengine yanaoneka ndivyo sivyo ndiyo maana nikasema au jamaa aje atufundishe hesabu (kama joke) sababu ndivyo wanasiasa wanavyo fanya .. sijawahi kuwa mpenzi wa chama chochote ... sorry kwa kueleweka vibaya.Wewe ndio wale watanzania ambao hamna akili wanaoshabikia ccm waliosemwa na twaweza, sasa inahitaji hisabati gani kuona uhuni wa BOT.
Mtu anautajiri wa Tirion 1 anafilisiwa anapewa aangaliwe na mtu mwenye Bilioni 164.
Ni nyie tu mazombi wa ccm ndio mnaoshabikia umaku kama huu, na nyie ndio mliokuwa mnatetea upuudhi wa formula ya kikokotoo cha asilimia 25 pumbavu sana we jamaa
Nimesoma PCM huyo mjinga wenu polepole aliyekuwa anajitambua alipokuwa mjumbe wa tume ya katiba na sasa hana akili atawafundisha hesabu mamaku kama wewe tu
wabanwe walipe
Ngoja tuonewabanwe walipe
Uamuzi wa kuipatia Azania hiyo bank ulifikiwa tu pale ambapo yake mabenki mengine ikiwepo NMB, CRDB, Exim na nyingine za Kenya kukataa kuinunua Bank M hata kwa dola 1 as consuderation ndipo Azania Bank wakalazumishwa kuichukua na kuahidiwa kusaidiwa!Hiyo ni merger by operation of law? embu wataalamu watuambie, watupe na wanahisa wa hiyo Azania na watujuze maamuzi ya kwenda Azania na si benki nyingine yalifanywa kwa misingi ipi? MAJIBU TAFADHALI
Depositors wangepoteza fedha zao tu kama Bank M ingekosa mnunuzi lakini kwa sababu Azania wamenunua madeni pamoja na amana za Bank M, basi ni kuwa accounts za wateja zitahama tu Bank M kwenda Azania! Jambo linaloweza kutokea tu nikutowaruhusu wateja kuchukua fedha zao zote kwa mkupuo, labda wanaweza kusema kwa kipindi cha mwaka mmoja wale waliokua na deposits Bank M na sasa zimehamia Azania hawataruhusiwa kuchukua zaidi ya asilimia 20 ya fedha yao yote halafu baada ya muda huo ndio wakaruhusiwa kuchukua kwa kadiri ya uhitaji wao.FBME had different case to Bank Ms case. FBME was condemned to be facilitating Money Laundering activities, but it was financially sound.
Bank M has liquidity issues, for almost 2 years back it has failed to honour it's obligations on time. So expect most of depositors to lose.
Uko sahihi mkuu....Management ya Azania hata business model yao haisupport kabisa wateja wa Bank M!Baada ya muda mfupi sana, Azania nayo itaingia kwenye matatizo au balance sheet yake itapungua kurudi kwenye size ya awali kabla ya kuinunua Bank M!Tatizo la Bank M halitaturiki kienyeji enyeji namna hiyo, Bank M had a serious Balance sheet structure. Sidhani kama Management ya Azania Bank inaweza kabiliana na changamoto zake.
Ameongea ukweli mkuu, you cannot mess with financial sector and get away with it!As economy lazima uumie, fikiria kwa kipindi cha miezi 6 sasa ambacho Bank M iko chinu ya uangalizi kwa maana hakuna mteja anayeweza kuchukua fedha yake, biashara za hao wateja zimeathirika kwa kiwango gani!Ungekaa kimya ukawapa nafasi wataalam wa masuala ya fedha na Bank kuliko kuhororoja hapa! Aibu!
Boss sio lazima ucomment hata kama hujui kitu!Hii issue ni serious wewe unaleta majibu ya Polepole na Ndungai!Kilikuwa kichochoro cha kutorosha pesa, ukiona na jicho la Tatu wengi shareholders ni kutoka North America aka Canada, UK, na Asia, walitumia share zao kama dhamana kuchukuwa pesa za walalahoi ambao hawakujuwa mchezo mzima wa hawa wenzetu. Taasisi nyingi zilikuwa zinaweka pesa fixed deposit, interest wanagawana baadaye hiyo pesa ndo inaenda kwa wahusika. Huu mchezo ulichezwa sana enzi hizo, za mzee wa msoga. Sasa hivi pesa yote inaesabika ndo maana Mabenki kama hayo yanakufa, hakuna ujanja ujanja tena.
Depositors wangepoteza fedha zao tu kama Bank M ingekosa mnunuzi lakini kwa sababu Azania wamenunua madeni pamoja na amana za Bank M, basi ni kuwa accounts za wateja zitahama tu Bank M kwenda Azania! Jambo linaloweza kutokea tu nikutowaruhusu wateja kuchukua fedha zao zote kwa mkupuo, labda wanaweza kusema kwa kipindi cha mwaka mmoja wale waliokua na deposits Bank M na sasa zimehamia Azania hawataruhusiwa kuchukua zaidi ya asilimia 20 ya fedha yao yote halafu baada ya muda huo ndio wakaruhusiwa kuchukua kwa kadiri ya uhitaji wao.
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FBME is under liquidation so as they recover their loans, they pay depositors accordingly while Bank M's assets and liabilities have been shifted to Azania so as soon as all things are in order, depositors can continue accessing their deposits as usual only this time their accounts will read "Azania Bancorp"!No, only 1.5M was settled by the Deposit Insurance Board, the max depositors can recover from Insurance. I have more than 12M seating there unpaid and no clue when it will be paid off. others have billions.
We seriously need answers, if they have resolved Bank M with all its liquidity and credit exposures, why is FBME taking ages.