Kudorora kwa biashara: Mikopo isiyozalisha yaongezeka robo ya tatu 2017, faida zageuka hasara kwa mabenki


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Kiwango cha mikopo isiyozalisha kwa benki ndogo na za kati kimeongezeka robo ya tatu ya mwaka 2017 kulinganisha kipindi kama hiki mwaka uliopita kulingana na taarifa za fedha za benki 19.

Upande wa faida unaonyesha kupanda na kushuka kwa faida baada ya kodi ambapo baadhi ya benki zimeathirika kwa faida kushuka ilhali nyingine zikishuhudia faida ikibadilika kuwa hasara, baadhi ya benki zimepata ongezeko la faida.

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Dar es Salaam. The rate of non-performing loans (NPLs) for most of the small and medium-size banks in Tanzania increased in the third quarter of this year, compared to the same quarter last year, according to the banks’ unaudited quarterly financial statements.

A review of some of 19 financial statements published this week by the banks indicated that NPL rates during the third quarter of this year ranged between 4 and 51 per cent, while the industry benchmark is capped at five per cent.

In terms of profit, the statements showed ups and downs in the profit-after-income-tax stakes. While some banks suffered shrinking profits, others saw their profits in the immediate past turn into losses. Yet other banks saw increased profits.

Banks which recorded an upward trend in profits were Azania Bank, People’s Bank of Zanzibar, Mufindi Community Bank and Equity Bank.

On the other hand, Yetu Microfinance, I&M Bank, BOA and Vision Fund saw their profits shrinking during the third quarter this year, compared with the same quarter last year.

BankABC, Access Bank Tanzania, Akiba Commercial Bank, International Commercial Bank, Finca Microfinance Bank and Letshego all made losses during the quarter under review -- unlike the profits they recorded during the same quarter last year.

Speaking to The Citizen yesterday, the managing director of the People’s Bank of Zanzibar (PBZ), Mr Juma Hafidhi, said the third quarter was a very challenging period for the banking sector, as the market was tight.

“Banks were skeptical when it came to granting loans to everyone coming to borrow. Banking business was not particularly encouraging due to the tight economic policies, which caused loans issuance to be done after very tight vetting procedures,” Mr Hafidhi said. During the period under review, the banking industry also faced regulatory changes targeting to reduce the industry’s operational risks, as well as boost the capital adequacy ratio.

“Many banks were also skeptical about issuing more loans as they were doing self-assessments of their books of accounts in the light of the newly-adopted International Financial Reporting Standards (IFRS-9) by the first of January next year,” he added.

Yetu Microfinance managing director Altemius Milinga said the increased NPLs among banks was largely caused by the new provisions that applied during the quarter – but mainly in July.

However, he noted that the third quarter is traditionally low-season for small banks, including Yetu, as farmers – who are the bank’s main customers – do not have sufficient liquidity at that time. However, the small banks’ D-Day is really the fourth quarter of the year. Mr Milinga also said that most of the banks recorded an increase in NPLs and shrinking profits because many of them are in the process of adjusting their portfolios in line with the changing business environment in Tanzania.

Indeed, the statement shows that Yetu Microfinance’s profit shrunk to Sh319 million, down from the Sh469 million recorded during Q3 of last year. Also, its NPLs slightly increased by one per cent – rising from six to seven per cent – which Mr Milinga said is a normal difference.

Going by individual bank statements, Tanzania Women’s Bank (TWB) had a 51 per cent rate of non-performing loans during the third quarter of this year – the highest rate of all the statements reviewed by The Citizen.

In the third quarter of last year, the bank’s NPLs accounted for 53 per cent of the gross loans.

The statement also shows that the Women’s Bank’s losses grew by almost 3,000 per cent – shooting from a relatively ‘minor’ loss of Sh20 million in the third quarter of last year to a whopping Sh610 million this third quarter!

Another reviewed bank with the highest NPLs rate was the TIB Development Bank, whose NPLs rate grew to 46 per cent in quarter three of this year – rising from 39 per cent during the similar period last year.

However, TIB Development Bank managed to reduce its losses during the period under review from Sh4.3 billion to Sh2.7 billion.
 
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KWA HYO WATU WANAKOPA HELA YA MATUMIZ BINAFS! BILA SHAKA NI MIKOPO YA MSHAHARA
 
Niccolo Machiavelli

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Niccolo Machiavelli

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Uchumi unakua.....
 
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KWA HYO WATU WANAKOPA HELA YA MATUMIZ BINAFS! BILA SHAKA NI MIKOPO YA MSHAHARA
Nadhani wapo wanaokopa kwa ajili ya biashara lakini nyingi hazijatimiza malengo ya kupata faida na kurudisha mkopo hivyo kuwa mikopo isiyozalisha.
 
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pye Chang shen

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Au ya kujengea nyumba
 
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Tutakuwa kama ilivyokua Uturuki tunafilisiki huku tukijidai atujafilisika .kiburi kitu mbaya sana
 

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