KingOligarchy
Senior Member
- Sep 28, 2013
- 130
- 351
Swali moja la Kizushi!
Umeshawahi kujiuliza unapoweka hela benki, benki inafanyia nini Hela zako?
Na je, kama inatumia kwenye kazi nyingine, je kwanini ukienda kuwithdrawal unaipata?
Kuna Majibu mengi sana ndani mwake lakini Hii kuensure liquidity ya Bank inafanya na Kitengo kimoja Hatari kinaitwa TREASURY
yaaani benki wengi wanajua ni Branch ,hapana Benki ni pale HQ ndo kazi za maana zinafanyika.
Hawa watu ndani ya kitengo cha treasury wamegawanyika katika makundi kama matatu
1. Treasury Front Office
Hawa ndo tunasema matycoon , kwanza wanalipwa hela nzuri sanaaaaaaa, pamoja na Bonus za kibabe (until BOT alipopitisha circular flani hv juzi kati) lakini mibonus yao inafika hadi 150M, ndio TZS 150,000,000.00. Hawa front office wamegawanyika kwenye FX Traders, Fixed income and ALM ( Asset and Liabilities Management)
2. Midlle office
Hawa tunawaita Treasury Risk, mambo yao ni kuensure risk iko proper
3. Back office
Hawa makanjanja tu hamna kitu , kazi yao ni kufanya Reconciliation, Settlement na confirmation.
So kundi mimi naloliongelea ni Treasury Front Office! Hawa ndo wababe wenyewe! yani ukifika benki ukiambiwa yule jamaa ni treasury dealer pisi za benki lazima zzijigonge.
Sasa hawa wazee boss wao huingia kwenye kamati yao moja inaitwa ALCO "asset na Liability committee" ambako huwa wanaensure mzigo umejaa benki according na liabilities walizonazo.
Yani bila watu hawa mzigo unaweza kuanguka muda wowote. Huku pia wakifanya Transafer Pricing na kuamua diverrsification ya mpunga iendaje according to department.
na Solvency yao (Soma Basel III). so ndo maana kila unapoenda benki unakuta mpunga ila ukitaka kutoa mpunga mkubwa sana lazima upige simu 2 days Before, usije ukachoma kijiji
Wazee wa treasury kwenye mabenki makubwa kama stanbic,stanchart, citibank,NMB nk wanapokea mikato mirefu sana. ukitaka kuwa Dealer au trader wa benki lazima usomee kitu kitaitwa aci dealing certificate, paper zake ni kama euro 280, na utafute trainer akufundishe.
Anyways nilikuwa nimekaa nikafikiria kushare na wewe mawao yangu ya hovyo
MY IQ IS 235
OLIGARCHY
Umeshawahi kujiuliza unapoweka hela benki, benki inafanyia nini Hela zako?
Na je, kama inatumia kwenye kazi nyingine, je kwanini ukienda kuwithdrawal unaipata?
Kuna Majibu mengi sana ndani mwake lakini Hii kuensure liquidity ya Bank inafanya na Kitengo kimoja Hatari kinaitwa TREASURY
yaaani benki wengi wanajua ni Branch ,hapana Benki ni pale HQ ndo kazi za maana zinafanyika.
Hawa watu ndani ya kitengo cha treasury wamegawanyika katika makundi kama matatu
1. Treasury Front Office
Hawa ndo tunasema matycoon , kwanza wanalipwa hela nzuri sanaaaaaaa, pamoja na Bonus za kibabe (until BOT alipopitisha circular flani hv juzi kati) lakini mibonus yao inafika hadi 150M, ndio TZS 150,000,000.00. Hawa front office wamegawanyika kwenye FX Traders, Fixed income and ALM ( Asset and Liabilities Management)
2. Midlle office
Hawa tunawaita Treasury Risk, mambo yao ni kuensure risk iko proper
3. Back office
Hawa makanjanja tu hamna kitu , kazi yao ni kufanya Reconciliation, Settlement na confirmation.
So kundi mimi naloliongelea ni Treasury Front Office! Hawa ndo wababe wenyewe! yani ukifika benki ukiambiwa yule jamaa ni treasury dealer pisi za benki lazima zzijigonge.
Sasa hawa wazee boss wao huingia kwenye kamati yao moja inaitwa ALCO "asset na Liability committee" ambako huwa wanaensure mzigo umejaa benki according na liabilities walizonazo.
Yani bila watu hawa mzigo unaweza kuanguka muda wowote. Huku pia wakifanya Transafer Pricing na kuamua diverrsification ya mpunga iendaje according to department.
na Solvency yao (Soma Basel III). so ndo maana kila unapoenda benki unakuta mpunga ila ukitaka kutoa mpunga mkubwa sana lazima upige simu 2 days Before, usije ukachoma kijiji
Wazee wa treasury kwenye mabenki makubwa kama stanbic,stanchart, citibank,NMB nk wanapokea mikato mirefu sana. ukitaka kuwa Dealer au trader wa benki lazima usomee kitu kitaitwa aci dealing certificate, paper zake ni kama euro 280, na utafute trainer akufundishe.
Anyways nilikuwa nimekaa nikafikiria kushare na wewe mawao yangu ya hovyo
MY IQ IS 235
OLIGARCHY