Kwanini ukienda Benki Hela yako huwa unaikuta wakati unasikia Benki inakopesha hela zako?

KingOligarchy

Senior Member
Sep 28, 2013
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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
 
Kuna ndugu yangu alikuwa ni Loan Office kwenye bank moja. Jamaa anajua biashara zoooote; changamoto, profit margins etc etc. Wewe mwambie tu biashara fulani, utasikia hiyo faida mpaka uingize kwa magendo 😁 😁 😁 😁
Kuna ndugu yangu alikuwa ni Loan Office kwenye bank moja. Jamaa anajua biashara zoooote; changamoto, profit margins etc etc. Wewe mwambie tu biashara fulani, utasikia hiyo faida mpaka uingize kwa magendo 😁 😁 😁 😁
Yes hawa loan officers

Swali langu ni hawa loan officers only ndo wanajua hii.au kuna wataalam wengine?
 
FX Traders
Mimi swali langu lipo hapo yaani na wenyewe wanatarde fx hii ya online kwa niaba ya bank au ni tofauti maana kuna member mmoja humu aliandika "biashara ya fx hakuna bank inataka sisi kujua" at the end akatumbandisha basi kijiji kizima akaenda kutuuza bondeni huko sasa umenichanganya ebu fafanua!
 
mimi swali langu lipo hapo yaani na wenyewe wanatarde fx hii ya online kwa niaba ya bank au ni tofauti maana kuna member mmoja humu aliandika "biashara ya fx hakuna bank inataka sisi kujua" at the end akatumbandisha basi kijiji kizima akaenda kutuuza bondeni huko sasa umenichanganya ebu fafanua....!
Hahahahah Mambo ya kuuzana bondeni sio! hapa kwenye hili desk tunaliita FX na MM Desk, yaani Forex na Money Market. kimsingi hapa ni FX deal between interbank, Corporates na Retail. Trading kama trading inafanyika kwenye Prop desk au proprietary Desk! hili ni kama hedge funds within a desk ambapo real trading nafanyika lakini kibongobongo benki zinakimbia hii sababu inagusa core Capital ya benki na madhara yake ni makubwa.

hilo swala la kwamba hamna benki itakayotaka ujue, hizo ni stori za mitandao.
 
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