Krediet het nie brieke

Jan Alleman se totale bankskuld het verlede jaar met meer as N$4,2 miljard gestyg.
Jo-Mare Duddy Booysen
Jo-Maré Duddy - Verbruikers se feesjol het hul oortrokke rekeninge, kre­dietkaartskuld en persoonlike lenings in Desember met byna N$150 miljoen opgejaag.

Bankbestuurders se drumpels is veral vir oortrokke rekeninge deurgetrap en teen maandeinde was verbruikers sowat N$91 miljoen dieper in die rooi.

Syfers wat deur die Bank of Namibia (BoN) vrygestel is, toon verbruikers het in die 12 maande van 2016 hul skuld vir persoonlike lenings, kredietkaarte en oortrokke rekeninge in totaal met meer as N$1 miljard verhoog. Gevolglik het hulle teen die einde van jaar sowat N$4,6 miljard se persoonlike lening- en kredietkaartskuld gehad, terwyl hul oortrokke rekeninge in totaal N$2,9 miljard oorskry het.

Dit is 18,8% en 11,1% onderskeidelik hoër as aan die einde van 2015. Daarteenoor was die jaarlikse gemiddelde inflasiekoers vir 2016 net 6,7%.

Teen die einde van 2016 het verbruikers se totale bankskuld sowat N$50,05 miljard beloop, nagenoeg N$4,2 miljard of 9,3% meer as Desember 2015. Die meeste hiervan – 67% of bykans N$33,6 miljard – was verbandlenings. Dié lenings het met 9,5% teenoor 2015 gestyg.

Verbruikers het verlede jaar bykans N$558 miljoen se paaiementskuld aangegaan om nie-produktiewe bates soos voertuie aan te koop. Teen die einde van 2016 het hul totale paaiementskuld op amper N$7,5 miljard gestaan. Dit verteenwoordig 'n styging van net 8,1% teenoor die vorige jaar, iets waaroor die BoN waarskynlik in sy noppies is.

Vergeleke met verbruikers het die sakesektor hul kredietrieme dunner gesny. Dié sektor se totale bank­skuld het met bykans N$2,8 miljard of 8,5% toegeneem en het teen die einde van Desember sowat N$35,3 miljard beloop.

Totale verbandlenings het in die jaar onder oorsig met 6,3% gegroei en was bykans N$10,5 miljard. Lening- en kredietkaartskuld was 7,3% hoër en het op sowat N$4,8 miljard gestaan. Oortrokke rekeninge van bykans N$7,9 miljard was 6,2% meer as aan die einde van 2015, terwyl paaiementskuld met 0,7% tot amper N$5,2 miljard opgekruip het.

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Six Nations: Scotland 18 vs 32 Ireland | England 26 vs 25 France | Italy 22 vs 15 Wales Premier League: Everton 2 vs 2 Liverpool Katima Mulilo: 20° | 24° Rundu: 19° | 31° Eenhana: 20° | 28° Oshakati: 22° | 28° Ruacana: 19° | 29° Tsumeb: 20° | 25° Otjiwarongo: 17° | 26° Omaruru: 19° | 30° Windhoek: 17° | 28° Gobabis: 17° | 22° Henties Bay: 18° | 22° Wind speed: 19km/h, Wind direction: W, Low tide: 11:07, High tide: 05:11, Low Tide: 23:08, High tide: 17:22 Swakopmund: 17° | 18° Wind speed: 19km/h, Wind direction: W, Low tide: 11:05, High tide: 05:09, Low Tide: 23:06, High tide: 17:20 Walvis Bay: 18° | 22° Wind speed: 21km/h, Wind direction: NW, Low tide: 11:05, High tide: 05:08, Low Tide: 23:06, High tide: 17:19 Rehoboth: 19° | 31° Mariental: 22° | 34° Keetmanshoop: 24° | 37° Aranos: 21° | 32° Lüderitz: 17° | 31° Ariamsvlei: 26° | 39° Oranjemund: 16° | 23° Luanda: 27° | 29° Gaborone: 17° | 26° Lubumbashi: 18° | 23° Mbabane: 16° | 27° Maseru: 16° | 27° Antananarivo: 18° | 25° Lilongwe: 19° | 25° Maputo: 22° | 33° Windhoek: 17° | 28° Cape Town: 19° | 24° Durban: 21° | 27° Johannesburg: 17° | 29° Dar es Salaam: 27° | 32° Lusaka: 18° | 20° Harare: 17° | 23° Currency: GBP to NAD 23.04 | EUR to NAD 19.23 | CNY to NAD 2.52 | USD to NAD 18.35 | DZD to NAD 0.13 | AOA to NAD 0.02 | BWP to NAD 1.28 | EGP to NAD 0.35 | KES to NAD 0.14 | NGN to NAD 0.01 | ZMW to NAD 0.64 | ZWL to NAD 0.04 | BRL to NAD 3.21 | RUB to NAD 0.2 | INR to NAD 0.21 | USD to DZD 134.87 | USD to AOA 912 | USD to BWP 13.83 | USD to EGP 50.59 | USD to KES 129.22 | USD to NGN 1509 | USD to ZAR 18.35 | USD to ZMW 28.15 | USD to ZWL 321 | Stock Exchange: JSE All Share Index 88717.13 Up +1.00% | Namibian Stock Exchange (NSX) Overall Index 1797.63 Up +0.36% | Casablanca Stock Exchange (CSE) MASI 16452.23 Up +0.33% | Egyptian Exchange (EGX) 30 Index 29997.11 Up +1.13% | Botswana Stock Exchange (BSE) DCI 10063.87 Same 0 | NSX: MTC 7.75 SAME | Anirep 8.99 SAME | Capricorn Investment group 17.34 SAME | FirstRand Namibia Ltd 49 DOWN 0.50% | Letshego Holdings (Namibia) Ltd 4.1 UP 2.50% | Namibia Asset Management Ltd 0.7 SAME | Namibia Breweries Ltd 31.49 UP 0.03% | Nictus Holdings - Nam 2.22 SAME | Oryx Properties Ltd 12.1 UP 1.70% | Paratus Namibia Holdings 11.99 SAME | SBN Holdings 8.45 SAME | Trustco Group Holdings Ltd 0.48 SAME | B2Gold Corporation 47.34 DOWN 1.50% | Local Index closed 677.62 UP 0.12% | Overall Index closed 1534.6 DOWN 0.05% | Osino Resources Corp 19.47 DOWN 2.41% | Commodities: Gold US$ 2 882.48/OZ DOWN -0.0166 | Copper US$ 4.62/lb DOWN -0.0281 | Zinc US$ 2 857.30/T DOWN -0.07% | Brent Crude Oil US$ 74.89/BBP DOWN -0.0102 | Platinum US$ 1 001.35/OZ DOWN -0.0362 Sport results: Six Nations: Scotland 18 vs 32 Ireland | England 26 vs 25 France | Italy 22 vs 15 Wales Premier League: Everton 2 vs 2 Liverpool Weather: Katima Mulilo: 20° | 24° Rundu: 19° | 31° Eenhana: 20° | 28° Oshakati: 22° | 28° Ruacana: 19° | 29° Tsumeb: 20° | 25° Otjiwarongo: 17° | 26° Omaruru: 19° | 30° Windhoek: 17° | 28° Gobabis: 17° | 22° Henties Bay: 18° | 22° Wind speed: 19km/h, Wind direction: W, Low tide: 11:07, High tide: 05:11, Low Tide: 23:08, High tide: 17:22 Swakopmund: 17° | 18° Wind speed: 19km/h, Wind direction: W, Low tide: 11:05, High tide: 05:09, Low Tide: 23:06, High tide: 17:20 Walvis Bay: 18° | 22° Wind speed: 21km/h, Wind direction: NW, Low tide: 11:05, High tide: 05:08, Low Tide: 23:06, High tide: 17:19 Rehoboth: 19° | 31° Mariental: 22° | 34° Keetmanshoop: 24° | 37° Aranos: 21° | 32° Lüderitz: 17° | 31° Ariamsvlei: 26° | 39° Oranjemund: 16° | 23° Luanda: 27° | 29° Gaborone: 17° | 26° Lubumbashi: 18° | 23° Mbabane: 16° | 27° Maseru: 16° | 27° Antananarivo: 18° | 25° Lilongwe: 19° | 25° Maputo: 22° | 33° Windhoek: 17° | 28° Cape Town: 19° | 24° Durban: 21° | 27° Johannesburg: 17° | 29° Dar es Salaam: 27° | 32° Lusaka: 18° | 20° Harare: 17° | 23° Economic Indicators: Currency: GBP to NAD 23.04 | EUR to NAD 19.23 | CNY to NAD 2.52 | USD to NAD 18.35 | DZD to NAD 0.13 | AOA to NAD 0.02 | BWP to NAD 1.28 | EGP to NAD 0.35 | KES to NAD 0.14 | NGN to NAD 0.01 | ZMW to NAD 0.64 | ZWL to NAD 0.04 | BRL to NAD 3.21 | RUB to NAD 0.2 | INR to NAD 0.21 | USD to DZD 134.87 | USD to AOA 912 | USD to BWP 13.83 | USD to EGP 50.59 | USD to KES 129.22 | USD to NGN 1509 | USD to ZAR 18.35 | USD to ZMW 28.15 | USD to ZWL 321 | Stock Exchange: JSE All Share Index 88717.13 Up +1.00% | Namibian Stock Exchange (NSX) Overall Index 1797.63 Up +0.36% | Casablanca Stock Exchange (CSE) MASI 16452.23 Up +0.33% | Egyptian Exchange (EGX) 30 Index 29997.11 Up +1.13% | Botswana Stock Exchange (BSE) DCI 10063.87 Same 0 | NSX: MTC 7.75 SAME | Anirep 8.99 SAME | Capricorn Investment group 17.34 SAME | FirstRand Namibia Ltd 49 DOWN 0.50% | Letshego Holdings (Namibia) Ltd 4.1 UP 2.50% | Namibia Asset Management Ltd 0.7 SAME | Namibia Breweries Ltd 31.49 UP 0.03% | Nictus Holdings - Nam 2.22 SAME | Oryx Properties Ltd 12.1 UP 1.70% | Paratus Namibia Holdings 11.99 SAME | SBN Holdings 8.45 SAME | Trustco Group Holdings Ltd 0.48 SAME | B2Gold Corporation 47.34 DOWN 1.50% | Local Index closed 677.62 UP 0.12% | Overall Index closed 1534.6 DOWN 0.05% | Osino Resources Corp 19.47 DOWN 2.41% | Commodities: Gold US$ 2 882.48/OZ DOWN -0.0166 | Copper US$ 4.62/lb DOWN -0.0281 | Zinc US$ 2 857.30/T DOWN -0.07% | Brent Crude Oil US$ 74.89/BBP DOWN -0.0102 | Platinum US$ 1 001.35/OZ DOWN -0.0362