DCB bank yatoa fixed account hadi 14% kwa mwaka

[Key Point]

Ratio of NPLs to total gross loans inachezea ngapi boss?

Sijaangalia ila itakuwa above 5% kwasababu ya market segment yao ya mikopo ya vikundi na wafanyabishara wadogo

 

[fiasco]

It's commercial bank not community imevuka stage ya kuwa community ndio maana nikasema hujui hii bank

Yes hii scenario alianza nayo Bank M tukawambia watu leo hii wanashukuru na bahati ya Bank M alikuwa Cooperate na investment bank so effects kwenye uchumi zilikuwa kubwa ila hii community bank BOT hawafanyi merger ama acquisition inawekwa chini ya Bodi ya amana kwisha habari

 

[Key Point]

Sema bado kuna kitu hakipo sawa yani kuelewa kwako ni mgumu kdg

Brother unachoongea hukijui wewe ni sales uza tuu ila watu tuko kwenye hii industry na tunajua wapi pakuweka hela na wapi hapana

 

[Key Point]

T

Sema bado kuna kitu hakipo sawa yani kuelewa kwako ni mgumu kdg

Sema Bank ina balance sheet kiasi gani na ipo tier ipi simple na clear

 

[Don Clericuzio]

Imepatwa shida gani tena hii bank M, nliwahi kua mteja wao zamani.

Liabilities zilizidi assets, ikawa shida kulipa FDRs zilizo mature na obligations zingine.

Ilibidi BOT waingilie kati, na kwa sasa haipo.

 

[wa kupuliza]

Sijaangalia ila itakuwa above 5% kwasababu ya market segment yao ya mikopo ya vikundi na wafanyabishara wadogo

Nikua makini kipindi hiki aisee,hasa kwa watu wasioelewa hizi mambo za ki bank.

 

[fiasco]

Bank inazidi kukua ,tembelea kwenye matawi utaona lkn ww unajipanga kubishana

 

[Key Point]

Liabilities zilizidi assets, ikawa shida kulipa FDRs zilizo mature na obligations zingine.

Ilibidi BOT waingilie kati, na kwa sasa haipo.

Hawa ndo watu wanaoijua banking industry umeona alichoandika sasa wewe nae hebu andika kitalamu

 

[Key Point]

Bank inazidi kukua ,tembelea kwenye matawi utaona lkn ww unajipanga kubishana

Watu mnaojua banking industry vitu gani tunaangalia tunaposema bank inakua tumsadie kijana

 

[fiasco]

Kaongelea case ya bank M so unataka nikuchambulie on how liability an assets zinavyooperate in a bank

Hawa ndo watu wanaoijua banking industry umeona alichoandika sasa wewe nae hebu andika kitalamu

 

[Key Point]

Kaongelea case ya bank M so unataka nikuchambulie on how liability an assets zinavyooperate in a bank

So Bank M unataka kuilinganisha na DCB 😂😂

 

[fiasco]

Watu mnaojua banking industry vitu gani tunaangalia tunaposema bank inakua tumsadie kijana

Nisaidie chief nakusikiliza bhana, maana ushafanya interview kanda ya kati nipe darasa bhana

 

[fiasco]

So Bank M unataka kuilinganisha na DCB [emoji23][emoji23]

[emoji23][emoji23]sasa mbona ilikufa ikaaiacha DCB?

 

[Don Clericuzio]

Kaongelea case ya bank M so unataka nikuchambulie on how liability an assets zinavyooperate in a bank

Mkuu siyo kwamba tunataka kukuharibia biashara, tunachokuambia ni kwamba moja ya dalili za benki kuwa pagumu ni hii ya kutafuta deposits kwa gharama nafuu.

Inaonekana ina obligations inatakiwa kusettle lakini hela hakuna, na hii ni shortrun solution, kwa sababu hizi nazo zitakapoanza ku mature tatizo hili litarudi.

Chukulia mfano, sasa hivi mikopo iko kwenye 17%, sasa unapochukua deposits za 14% ukakopeshe kwa 17% maana yake una margin ya 3%. Hapo kuna running costs kibao ambazo hiyo margin ni ndogo sana.

 

[fiasco]

Kila kampuni in different industry inajaribu kutengeneza segment kwa customer na increase of market coverage ,lazima ije na mbinu ili ishindane kwenye soko, lakini mtu ana quote kwa mihemko u never learn like that a good customer hata akija lazima ataelewa taarifa zinavyokwenda the trend na vitu vyote

 

[fiasco]

Mkuu siyo kwamba tunataka kukuharibia biashara, tunachokuambia ni kwamba moja ya dalili za benki kuwa pagumu ni hii ya kutafuta deposits kwa gharama nafuu.

Inaonekana ina obligations inatakiwa kusettle lakini hela hakuna, na hii ni shortrun solution, kwa sababu hizi nazo zitakapoanza ku mature tatizo hili litarudi.

Chukulia mfano, sasa hivi mikopo iko kwenye 17%, sasa unapochukua deposits za 14% ukakopeshe kwa 17% maana yake una margin ya 3%. Hapo kuna running costs kibao ambazo hiyo margin ni ndogo sana.

Ofcoz ndio maana nikasemaje it's for two years na bado kuna tradition rates zipo and by the way iyo 14% ni uwekezaji wa 100M+ so huwezi kumpa rate mtu 14% anayeweka 1M ndio maana kuna yule alisema 50M nikamwambia rates inakuwa ni 7%

 

[Key Point]

Ofcoz ndio maana nikasemaje it's for two years na bado kuna tradition rates zipo and by the way iyo 14% ni uwekezaji wa 100M+ so huwezi kumpa rate mtu 14% anayeweka 1M ndio maana kuna yule alisema 50M nikamwambia rates inakuwa ni 7%

Hivi unajua sasa hivi sokoni bei ya fixed ikoje ni kati ya 5%-8% ni hii ni bank 5billion sasa wewe 100m tuu unampa hiyo rate ya 14% ambayo ni twice the market so sisi tunapata red right kma mtaweza ku meet financial obligations kipindi hizo liability zitakavyofika maturity

 

[Key Point]

Ofcoz ndio maana nikasemaje it's for two years na bado kuna tradition rates zipo and by the way iyo 14% ni uwekezaji wa 100M+ so huwezi kumpa rate mtu 14% anayeweka 1M ndio maana kuna yule alisema 50M nikamwambia rates inakuwa ni 7%

Watu wenye fixed deposit ni watu smart na waelewa ndo maana hii kampeni ni mwaka2 inaendelea ina maana malengo yenu bado hayajafikiwa so ni jambo la kheri endeleni kuchoma mtaji wenu kwenye matangazo na other campaigns

 

[Don Clericuzio]

Ofcoz ndio maana nikasemaje it's for two years na bado kuna tradition rates zipo and by the way iyo 14% ni uwekezaji wa 100M+ so huwezi kumpa rate mtu 14% anayeweka 1M ndio maana kuna yule alisema 50M nikamwambia rates inakuwa ni 7%

Vizuri, kwamba anayeleta 100m+ ndo mnampa hiyo 14%, je nyie mnakopesha kwa riba gani?

 

[fiasco]

Hivi unajua sasa hivi sokoni bei ya fixed ikoje ni kati ya 5%-8% ni hii ni bank 5billion sasa wewe 100m tuu unampa hiyo rate ya 14% ambayo ni twice the market so sisi tunapata red right kma mtaweza ku meet financial obligations kipindi hizo liability zitakavyofika maturity

Ndio maana nikakwambia kuna tradition rates na iyo rate ni kwa muda mfupi yani bafo hujaelewa tu kama unauzoefu for two years then the rates will drop