National bank of commerce is under bank of tanzania......

[najua]

Iread this morning in one among English written newspaper that NBC is under B.O.T eye while its doors are open........Veeeeeery Bad news....Mweeeh...J.K NYERERE alilia ili kupinga hii benki isiuzwe....

embu itaje hiyo sources kwanza , maana ninachojua mimi barclays ndio wamenunua nbc sasa hivi. sasa wanunue afu ghafla tu washindwe iendesha

 

[Ulimakafu]

twafwaaaa............

 

[majany]

Unajua uhai wa benki yeyote ni deposit za wateja.Na hizi deposit za wateja zinakuja kwakuwa wateja wana imani na hiyo benki au taasisi ya fedha. Sasa habari kama hizi hata kama za uongo zinaleta panic, wateja wakishapagawa wanaenda kupanga mistari kwenye counter na ATM's kutoka kutoa pesa zao wengine wanaenda VISA n.k. Pesa nyingi ikishatoka hapo ndio panakuwa hapatoshi BOT hapo inabidi i play smart either watoe zile pesa za hiyo benki zilizowekwa BOT ili wateja walipwe huduma ziendelee upepo mbaya upite na imani irudi au BOT wastopishe kwa kuhisi kwamba imani ya wateja haitarudi na kile kidogo kilichopo kitunzwe ili kigawanywe vizuri baadae.

Naona hilo gazeti lililoandika hii habari halikufikiria repucursions za habari kama hizo.

Heee...wewe sio mzima kabisa....B.O.T wakae kimya kwa sababu wakubwa wa NBC wanafanya blanders....haitakuja kutokea..kwa hiyo wewe ungekua ni chombo cha maamuzi ungeacha kutangaza LIBOR scandal ya barclays kisa ni benki kuuubwa duniani????
Vitu haviendi hivyo mkuu,hata li benki liweje,ikifikia kuna indicators za kuanguka,lazima,narudia,LAZIMA central bank wachukue hatua,na kuiweka hali yake in public ni mojawapo.

 

[majany]

embu itaje hiyo sources kwanza , maana ninachojua mimi barclays ndio wamenunua nbc sasa hivi. sasa wanunue afu ghafla tu washindwe iendesha

Soma business times la leo................

 

[sanjo]

Oya hebu tuambieni vizuri!Mnasema kwamba wenye hela huko imekula kwetu?

Mkuu,

Uhai wa benki unategemea sana good governance kwenye idara mbalimbali kama aina ya mikopo yake (asset quality), idara ya uendeshaji (Technology and operations), treasury, finance nk.

Kilichotokea NBC ni kwamba utawala bora umekiukwa kwenye idara mbalimbali. Benki kuu kama regulator wanasimamia benki hiyo ili kuangalia taratibu na uendeshaji zilikiukwa kwa kiwango gani. Mfano, Idara ya mikopo inaweza kuwa na mikopo ambayo hailipiki, kulingana na (Banking and Financial Institutions Act 2008) regulations benki husika lazima ifanye kitu kinachoitwa provision (kupungua faida yake kulingana hali halisi ya mikopo hiyo). Kiwango provision kiko kama ifuatavyo:


(1) 5%-huitwa especially mentioned
(2) 10% - substandard
(3) 50% - Doubtful
(4) 100% - Loss

Mara nyingi kama uongozi ni lege lege kwenye mikopo provisions huwa hazifanyiki ipasavyo. Hii husababisha benki kuonyesha kuwa inafanya vizuri kifaida wakati hali halisi si hivyo. Benki kuu ikiliona hili huiagiza benki kufanya additional provisions. WanaJF tusubiri ili tujue ni lipi kati ya haya yatakuwa yameikumba NBC.

 

[Kivumah]

..Kuna tangazo linarushwa hivi sasa katika Media(Redio) kwamba mteja wa NBC anapo deposit fedha ktk akaunti yake ya NBC kile kiwango kita double(Bank itamuongezea mara mbili ya kile alicho-deposit). Sijaelewa hili maana yake ni nini ukizingatia hali iliyopo ktk hio Bank

 

[Rejao]

..Kuna tangazo linarushwa hivi sasa katika Media(Redio) kwamba mteja wa NBC anapo deposit fedha ktk akaunti yake ya NBC kile kiwango kita double(Bank itamuongezea mara mbili ya kile alicho-deposit). Sijaelewa hili maana yake ni nini ukizingatia hali iliyopo ktk hio Bank

Ni strategy wanayoitumia kuattract deposits. Ukiona hivi ujue kweli hali yao ni mbaya.

 

[Maundumula]

..Kuna tangazo linarushwa hivi sasa katika Media(Redio) kwamba mteja wa NBC anapo deposit fedha ktk akaunti yake ya NBC kile kiwango kita double(Bank itamuongezea mara mbili ya kile alicho-deposit). Sijaelewa hili maana yake ni nini ukizingatia hali iliyopo ktk hio Bank

R u sure? basi kama ni hivyo hiyo itakuwa ni short term strattegy ya kuwa retain customers wasitoe pesa na kufunga account. Ila kiukweli hamna benki inayoweza ku afford kufanya hivyo.

 

[rodrick alexander]

kazi ya bank kuu ni kuangalia utendaji wa kila siku wa bank zote hivyo kama kuna matatizo wanaingilia haraka ili kuokoa pesa za wateja
Nbc ilikuwa inaendeshwa kiajabu na waliochangia ni wafanyakazi kwa wizi wa kijinga na mikopo isiyo na tija mfano lakini wa ukweli kulikuwa na mkataba wa kukopeshwa magari mteja anakopa gari hasa ya biashara kama fuso au malori na bank inamlipia ila bank walikuwa na mtu wao anayeuza magari kuna mhindi mmoja yupo pugu road wakopaji walikuwa wanachajiwa bei ya gari mpya lakini yule mhindi kwa kushirikiana na watu wa benki akawa anawauzia magari yaliyotumika na tena siyo imara.Mtu anapewa gari baada ya miezi michache bovu na hapo anatakiwa alipe mkopo wengi waligoma na kwa sababu dhamana ilikuwa ni gari benki iliyachukua na kuyapiga mnada.Kwa sababu magari hayo yalikuwa mabovu hayakuweza kurudisha gharama angalau nusu za mkopo hii ni mikopo ambayo imechangia kwa kiasi kikubwa kuyumbisha hali ya kifedha NBC.
Pia kulikuwa na wizi mtu anakuta pesa imetolewa kwenye akaunti yake au kampuni bila yeye kujua kutokana na hali hiyo wateja wengi walihama benki hiyo.
Pamoja na kulaumu wawekezaji na sisi huwa tunachangia kwa kiasi kikubwa kuhujumu mashirika yetu ndio maana kila siku unaona picha za watu wanatafutwa kwa wizi

 

[sanjo]

kazi ya bank kuu ni kuangalia utendaji wa kila siku wa bank zote hivyo kama kuna matatizo wanaingilia haraka ili kuokoa pesa za wateja
Nbc ilikuwa inaendeshwa kiajabu na waliochangia ni wafanyakazi kwa wizi wa kijinga na mikopo isiyo na tija mfano lakini wa ukweli kulikuwa na mkataba wa kukopeshwa magari mteja anakopa gari hasa ya biashara kama fuso au malori na bank inamlipia ila bank walikuwa na mtu wao anayeuza magari kuna mhindi mmoja yupo pugu road wakopaji walikuwa wanachajiwa bei ya gari mpya lakini yule mhindi kwa kushirikiana na watu wa benki akawa anawauzia magari yaliyotumika na tena siyo imara.Mtu anapewa gari baada ya miezi michache bovu na hapo anatakiwa alipe mkopo wengi waligoma na kwa sababu dhamana ilikuwa ni gari benki iliyachukua na kuyapiga mnada.Kwa sababu magari hayo yalikuwa mabovu hayakuweza kurudisha gharama angalau nusu za mkopo hii ni mikopo ambayo imechangia kwa kiasi kikubwa kuyumbisha hali ya kifedha NBC.
Pia kulikuwa na wizi mtu anakuta pesa imetolewa kwenye akaunti yake au kampuni bila yeye kujua kutokana na hali hiyo wateja wengi walihama benki hiyo.
Pamoja na kulaumu wawekezaji na sisi huwa tunachangia kwa kiasi kikubwa kuhujumu mashirika yetu ndio maana kila siku unaona picha za watu wanatafutwa kwa wizi

Mfano kama huu wa ukopeshaji, NBC inatakiwa ifanye provision ya kutosha kulingana muda ambayo mkopo umekuwa mbaya. Huu ni mfano wa ukopeshaji mbovu.

 

[Maundumula]

Mfano kama huu wa ukopeshaji, NBC inatakiwa ifanye provision ya kutosha kulingana muda ambayo mkopo umekuwa mbaya. Huu ni mfano wa ukopeshaji mbovu.

Si unajua kibongobongo ukute hizo provision zilikuwa magumashi na BOT wakija kwenye examinations wanaangalia juu juu watu wanawapiga chenga za mwili. Na lawama pia ziwaendee Internal Auditors na External maana haiwezekani wao wapo hapo halafu wanashindwa kushauri. BOT wakichukua waanze kuangalia hapo kwenye wakaguzi wa ndani na kitengo cha RISK ikiwezekana hizi dept mbili zifumuliwe maana watakuwa wana role kubwa wao ya kufikisha mambo hapo yalipo.

 

[controler]

NBC ikiyumba na serikali inafilisika kabisa, mungu aepushie mbali hili balaa.

Sasa NBC iyumbe mara ngapi wakati ipo ICU inangoja tu kukata roho? na watu wanatoa hela kama hawana akili nzuri.

 

[controler]

Maximum ya TZS 1.5M tu hata kama ulikuwa na billioni! Kwa hali siku hizi si rahisi benki kufilisika maana BOT iko makini sana. Msijali.

Vijihela vyenyewe vilishachukuliwa bot na serikali LOOlz

 

[morphine]

bongo tambarareeee....akiba yangu tigo pesa, mpesa, airtel money, easy pesa, sijui pesa fasta potelea mbali.....napita tu wakuuu :hat:

 

[rmashauri]

wewe acha masihara...
Hao Deposit Insurance wanalipa maximum ya sh milioni moja per head.. yaani per person regardless ya amount na namba ya account ulizokuwa nazo...
so benki ikifilisika na wewe una hela nyingi huko andika maumivu makali :embarassed2:

Kuna haja ya kufahamu share holders wa benki kabla ya kufungua akaunti kwenye benki fulani. NBC serikali ina share ya 30 % huku makaburu wanamiliki 55 % na 15 % inamilikiwa na Internatianla Finance Corporation. Kwahiyo hapa makaburu wana maamuzi makubwa zaidi. Ikumbukwe kuwa kuna kipindi ilishawahi kuripotiwa kuwa hawa makaburu walikuwa na kawaida ya kuhamisha kiasi kikubwa cha pesa na kupeleka kwao. Kuna kipindi walihamisha bilioni 30. Na habari zisizo rasmi zinasema kuwa makaburu walishaapa kutofanya kitu chochote cha maendeleo kwa TZ eti kwasababu tulisaidia ukombozi wa watu weusi huko. Angalia walivyoimaliza ATCL, Tanesco (Netgroup solution) na pia hawa ngo wezi wakubwa wa Tanzanite yetu kupitia kampuni yao ya AFGEM.

 

[Malila]

Kuna haja ya kufahamu share holders wa benki kabla ya kufungua akaunti kwenye benki fulani. NBC serikali ina share ya 30 % huku makaburu wanamiliki 55 % na 15 % inamilikiwa na Internatianla Finance Corporation. Kwahiyo hapa makaburu wana maamuzi makubwa zaidi. Ikumbukwe kuwa kuna kipindi ilishawahi kuripotiwa kuwa hawa makaburu walikuwa na kawaida ya kuhamisha kiasi kikubwa cha pesa na kupeleka kwao. Kuna kipindi walihamisha bilioni 30. Na habari zisizo rasmi zinasema kuwa makaburu walishaapa kutofanya kitu chochote cha maendeleo kwa TZ eti kwasababu tulisaidia ukombozi wa watu weusi huko. Angalia walivyoimaliza ATCL, Tanesco (Netgroup solution) na pia hawa ngo wezi wakubwa wa Tanzanite yetu kupitia kampuni yao ya AFGEM.

Mkuu, makaburu si wa kulaumiwa. Tujiangalie wenyewe na uzuzu waserikali yetu.

 

[Waridi]

Hapana sio NBC, NI CRDB ikiyumba au NMB BENKI YA MAKABWELA

Ni vizuri tukafahamu hizi benki ni za nani hasa ili tujadiliane vizuri

NBC

Rank	Name of Owner	Percentage Ownership
1	Absa Group Limited of South Africa	55.0
2	Government of Tanzania	30.0
3	International Finance Corporation	15.0
4	TOTAL	100.0

CRDB

Rank	Name of Owner	Percentage Ownership
1	Investors Owning Less Than 1%	50.7
2	Danish International Development Agency	21.5
3	Investors Owning Between 1.0% and 2.0%	10.2
4	Tanzanian Parastatal Pension Fund	10.0
5	Tanzania Public Service Pension Fund	3.3
6	Blakeney General Partners III	2.3
7	Tanzania Local Governmeent Pension Fund	2.0
8	TOTAL	100.0

NMB

Rank	Name of Owner	Percentage Ownership
1	Rabobank of the Netherlands	34.9
2	Government of Tanzania	30.0
3	Private Investors via DSE	21.0
4	National Investment Company Limited (NICOL)	6.6
5	Exim Bank (Tanzania)	5.8
6	TCCIA Investment Company Limited	1.7
7	TOTAL	100.0

Kwa vielelezo hivyo, ni ipi ambayo ni mali ya watanzania zaidi? Mimi nadhani ni CRDB, japo NMB inahudumia 'makabwela' bado si mali yao kihivyo.

 

[Waridi]

Iread this morning in one among English written newspaper that NBC is under B.O.T eye while its doors are open........Veeeeeery Bad news....Mweeeh...J.K NYERERE alilia ili kupinga hii benki isiuzwe....

Mkuu Majany,
Kama ungeleta story yote namna hii, ingependeza zaidi;

NBC Ltd operations put under Bank of Tanzania

Written by TIMES REPORTER

Friday, 10 August 2012 10:13

OPERATIONS of one of the largest banks in Tanzania, NBC Limited, have been placed directly under the Bank of Tanzania following reports of multiple allegations of wrongdoing and bad corporate governance. Sources from financial circles in Dar es Salaam have it that the central bank (BoT) has taken charge of the bank's operations following the suspension of its chief executive officer, Lawrence Mafuru, in July 20 this year. The move came after a whistle-blower's complaint. According to the sources, the BoT measure is aimed at putting the bank in a clearer situation, after reports indicating that it was sailing in rough financial seas, with ominous implications for its clients and the financial sector as a whole! Mafuru, who assumed the post two years ago, was sent on leave on July 20, after the NBC Board and the ABSA Group decided to embark upon investigations into the allegations. ABSA, the South African bank that is controlled by Barclay's Plc, owns 55 per cent of the NBC in Tanzania. ABSA has been scrutinized by investors and analysts since saying on June 26 that its profit may fall by as much as ten per cent after it failed to set aside enough money for bad debts. After sending the bank's executive on special leave, ABSA has also launched an internal investigation into bad debt provisions, the South Africa-based 'Business Times' reported on July 22, citing David Hodnett, a financial director. However, ABSA confirms that there is no link between the two events! The bank, which is 30 per cent-owned by the Government of the United Republic of Tanzania, has entered into a management crisis, following reports of financial mismanagement. Efforts to get top officials of the Banking Supervision Department of the Bank of Tanzania yesterday for clarification failed as the director was reportedly at a high level meeting at the central bank. While this was happening, Tanzania is now ensnared in multiple investigations of wrongdoing which seem to be dragging along, with new scandals arising with the passage of time! "The 'worst practices' in banks are sort of unnecessary; but chaos in NBC shows that realism is vital in that direction," a reliable source from the financial sector told Business Times.

 

[kikahe]

Soma business times la leo................

NBC Ltd operations put under Bank of Tanzania




Written by TIMES REPORTER



Friday, 10 August 2012 10:13









OPERATIONS of one of the largest banks in Tanzania, NBC Limited, have been placed directly under the Bank of Tanzania following reports of multiple allegations of wrongdoing and bad corporate governance.

Sources from financial circles in Dar es Salaam have it that the central bank (BoT) has taken charge of the bank's operations following the suspension of its chief executive officer, Lawrence Mafuru, in July 20 this year. The move came after a whistle-blower’s complaint.




According to the sources, the BoT measure is aimed at putting the bank in a clearer situation, after reports indicating that it was sailing in rough financial seas, with ominous implications for its clients and the financial sector as a whole! Mafuru, who assumed the post two years ago, was sent on leave on July 20, after the NBC Board and the ABSA Group decided to embark upon investigations into the allegations.

ABSA, the South African bank that is controlled by Barclay's Plc, owns 55 per cent of the NBC in Tanzania. ABSA has been scrutinized by investors and analysts since saying on June 26 that its profit may fall by as much as ten per cent after it failed to set aside enough money for bad debts.




After sending the bank's executive on special leave, ABSA has also launched an internal investigation into bad debt provisions, the South Africa-based 'Business Times' reported on July 22, citing David Hodnett, a financial director.




However, ABSA confirms that there is no link between the two events! The bank, which is 30 per cent-owned by the Government of the United Republic of Tanzania, has entered into a management crisis, following reports of financial mismanagement. Efforts to get top officials of the Banking Supervision Department of the Bank of Tanzania yesterday for clarification failed as the director was reportedly at a high level meeting at the central bank.




While this was happening, Tanzania is now ensnared in multiple investigations of wrongdoing which seem to be dragging along, with new scandals arising with the passage of time! “The 'worst practices' in banks are sort of unnecessary; but chaos in NBC shows that realism is vital in that direction,” a reliable source from the financial sector told Business Times.

 

[majany]

thanks mkuu..