Ezomnotho

Ukubuya kwabakwa-Old Mutual e-Afrika

nguGUGULETHU XABA

Emhlabeni zimbalwa kakhulu izinkampani ezithi uma zinyakaza kuzwakale izigi zazo ezweni lonke. Isikhondlakhondla senkampani yakwa-Old Mutual singezinye zalezi, ozigi zazo zingezwakali nje kuphela kwelengabadi, kodwa emhlabeni jikelele, ikakhulu lapho zinokuzinza khona. Le nkaphani engoyokudabuka eNingizimu Afrika, futhi ezigqaja ngokuba eye-Africa isineminyaka eli-173 yasungulwa. Ekusungulweni kwayo eKapa ngonyaka we-1845, yabe inenhloso yokuzibandakanya nomnotho wezezimali emikhakheni efana namabhange, ukonga kanye nokugcina imali isikhathi eside.

Kumanje le nkampani isinamakhasimende ayizigidi ezilishumi nambili umhlaba wonke. Lokhu kuyenza ibe ethakaselwa kakhulu ngabatshalizimali emhlabeni. Yingakho nje ivela kumastock exchanges amaningi emhlabeni afana neJohannesburg, neMalawi, neNamibia neLondon.

Kuzokhumbuleka futhi ukuthi yize ingeyokudabuka eNingizimu Afrika i-Old Mutual, ngonyaka we-1999 yaxebula izimpande zayo kuleli ngokuthi yenze indlunkulu yayo kube yiLondon bese kuthi ikhohlwa kube iNingizimu Afrika. Lesi senzo asijabulisanga neze kwezepolitiki nabanye abatshalizimali baseNingizimu Afrika kwazise abaningi ababesibuka njengesilulaza futhi sibukela phansi iNingizimu Afrika. Yingakho ngoLwesibili mhla zingama-26 kuNhlangulana kube nentokozo enkulu eNingizimu Afrika uma kumenyezelwa ukubuya kwalesi sikhondlakhondla ekuhambeni. Nokho lesi simemezelo sandulela izingxoxo nokubonisana okuningi obekwenzeka nabatshalizimali bamazwe omhlaba. Yize ihlonishwa kangaka le nkampani enemali egcinwe ngokohlelo lwezezimali elinganiselwa esingusigadintathu esingu-R1.2 (R1,2tn) akuyihambelanga kahle ngendlela okwakulindeleke ngayo emazweni aphesheya. Amasheya ayo awabanga mahle kakhulu, yize ebebanikeza inzuzo abatshalizimali bekuba ubuchwabalalana nje. Emazweni aseNtshonalanga lapho ibinwenwele khona. Ukuncintisana kukhulu kakhulu futhi kukwagingey’ngingayo.

Lesi sinqumo sokubuya kwe-Old Mutual asihambisani nje nokuthanda izwe kuphela, kodwa sihambisana nesikhondlakhondla esibuya nezibazi sibe futhi siqunqile ngoba sesifuna ukugwinya i-Afrika yonkana.

Ngomhla zingama-25 kuNhlangulana, iBayede Business News yethamele inkulumo ebiyethulwa oseqokelwe ukuba uMqondisi Jikelele wale nkampani uMnu uPeter Moyo, uthole ukuthi kusazoba nomsebenzi omningi ohlalele abaqondisi ukuze uma isizinzile le nkampani kukwazeke ukuthi kulinganiswe amaholo abasebenzi boHlanga nawabelungu. Lokhu kuvele nxa omunye wezisebenzi zaboHlanga ebeka ukungaphatheki kahle ekuthenini kusafanele kulinganiswe amaholo ngokungenzeleli. Le nsizwa ephethe u-Old Mutual engeyokudabuka eZimbabwe izamile ukuchazela abantu izindlela ezintsha okuzothi kuphathwe ngayo le nkampani. Ekhuluma ngokuzigqaja uMnu uMoyo uphinde wakugcizelela futhi ukuthi abatshalizimali baseNingizimu Afrika kufanele bakuthokozele ukuthi sebethola manje inkampani yomshuwalense ezophathwa futhi ilawulwe abantu baseNingizimu Afrika.

Ekubuyeni kwe-Old Mutual, eNingizimu Afrika kuthe ngoLwesibili yakha uhlelozinzo (listing) kumastock exchange amane ngosuku olulodwa. La mazwe kube yiNingizimu Afrika, iMalawi, iNamibia neZimbabwe.

Kuzokhumbuleka futhi ukuthi i-Old Mutual beyihlahlelwe izinhlaka ezine ezizimele, okuyi-Old Mutual Asset Management, iQuilter (ebiyi-Old Mutual Wealth), i-Old Mutual Emerging Markets kanye nebhange lakwaNedbank. iQuilter yona iphinde yazinziswa ngokohlelo lwakabusha eLondon Stock Exchange ngoMsobuluko zingama-25 kuNhlangulana, kunye nozinzo lwesibili (secondary listing) eJohannesburg Stock Exchange (JSE). Lolu hlelo olusha luzoqeda lezizinhla ezine, luhlahlela inyathuko entsha ekukhuliseni lesi sikhondlakhondla e-Afrika.

I-Old Mutual Ltd ibhekelele izimakethe ezisathuthukayo ikakhulu emazweni afana nawase-Afrika, iChina ne-India. INingizimu Afrika eyingxeye ye-Afrika iyona enamandla kakhulu, kodwa ukuze bakhule, kuzomele behlise amasheya abanawo kwaNedbank okumanje alinganiselwa emaphesentini angama-54, okanti azokwehliselwa kumaphesenti angama-20 ezinyangeni eziyisithupha ezizayo.

Yize bekunesasasa elikhulu eJSE, kodwa amasheya awabonakalanga ethengisa ngenani elikhulu njengobekulindelekile, kunalokho athengise ngaphezudlwana kwamaphesenti amathathu nengxenyana (3.16%) ngenani elingama-R29.40

Omunye wabahlaziyi bezomnotho weSasfin Securities uMnu uDavid Shapiro ugxeke la masheya ngentengiso ebingalindelekile ekutheni abatshalizimali abakhulu, abazange bayithakasela neze indlela i-Old Mutual eyenza ngayo lapho izikhulisa emhlabeni. Eqhubeka ukubeke lokhukukhula ngesivinini njengokwakunokunganaki kwabaqondisi futhi beshaya indiva abatshalizimali. Ephetha ubeka uthi nanoma yini ebibekwa etafuleni labo, bebeyithatha begijima.

Ukufakazela lombono, kuzokhumbuleka ukuthi kwizinkaphani i-Old Mutual eyazithenga phakathi kwezinye kube yilezi: IBritish Financial Services ngenani lezigidi ezingama-£525, iGerrard Group ngonyaka wezi-2000; kwathi ngowezi-2001 yaphinde yathenga iFidelity & Guaranty Life ngenani lezigidi ezingama-$635 e-USA kwathi ngonyaka wezi-2005 yaphinda yathenga iSkandia ngezigidigidi eziyisi-$6. Amaningi ala mabhizinisi akhinyabezeka kakhulu ngesikhathi kuba nodungunyane kwezezimali emhlabeni ngonyaka wezi-2008/9, ngaleyo ndlela i-Old Mutual kwadinga awadayise amaningi alamabhizinisi ngenani eliphansi kakhulu kunaleyo mali abe ethenge ngayo. Konke lokhu kwenzeka kusuka ngonyaka wezi-2008 kuya kowezi-2015 lapho owabe engumphathi nomqondisi wale nkampani yakwa-Old Mutual uMnu uJulian Roberts kwaba nguyena owashanyela, waphinde wathintitha zonke izibi ezabe zidalwe ukukhahlamezeka kwezezimakethe okwenzeka ngowezi-2009, wayekwenza lokhu endlalela ukuza kukamqondisi omusha nowayezophatha emuva kwakhe uMnu uBruce Hemphill.

Ngaleyo ndlela uMnu uHemphill uzoklonyeliswa ngomhlomulo wesamba sezigidi eziyisi-£9 ngalo msebenzi wakhe. Umklomelo lona uzobhekelelwa ngokuhambisana nemali ekumele mayenziwe inkaphani kusuka ngonyaka owedlule kuya kunyaka wezimali wezi-2019, kuNdasa.

Nokho okubalulekayo ukukhula nge-189% okwenzeka eNingizimu Afrika uma kuqhathaniswa nalokho kwamazwe angaphandle. Okanti uma kuqhathaniswa neSanlam encintisana ne-Old Mutual, ukukhula kweSanlam kufinyelele kumaphesenti angama-849 ngesikhathi esifanayo.

Yize iyisikhondlakhondla, kepha uma uqhathanisa lezi zinkampani zombili, i-Old Mutual neSanlam, ISanlam yona yenze kahle kakhulu kwazise ikwazile ukwenza ubudlelwano obuhle nabatshalizimali bangaphakathi naphesheya, yaphinda futhi yathatha izinqumo ezinhle ezenze ukuthi ihlonishwe kakhulu embonini abakuyo ne-Old Mutual.

UMoyo unomsebenzi omkhulu kakhulu emahlombe akhe njengoba ethatha ngesikhathi kubhekeleke ukuthi inkaphani le, ikhule kakhulu ngaphansi kweso lakhe. Ngokusho komunye wabahlaziyi uMnu uBam, ukuqinisekisile ukuthi okunye okusazoba umqansa njengoba amasheya ethengise ngenani eliphansi, ukubamathintanyawo kubatshalizimali kwazise basalinde ukuthi mabahlangane nabaqondisi abasha benkaphani ukuze baqinisekise kahle imigomo nezinhloso zenkampani njengoba isibuyile kwimakethe yase Ningizimu Afrika ne-Afrika.

Amasheya ale nkaphani kuzolindeleka futhi ukuthi mawabe kulawo abizwa ngeTop 40 khona eJSE.

Ezinye zezinkampani i-Old Mutual ezozikhipha ngaphansi kolawulo lwayo ngenxa yokuthi izokwehlisa amasheya enawo kuzo yi-Old Mutual Asset Management lapho azoba ngu-5.5% bese idayisa futhi inkampani ese-India iKotak Mahindra Old Mutual Life Insurance. Njengokwesimemezelo sonyaka ofile wezi-2017, izophinda futhi ixebule ingxenye yayo ebizwa nge-Old Mutual Wealth iyishiye njengeQuilter PLC.

Egcizelela uMoyo ucacise ukuthi ubuchule obusha buka-Old Mutual emuva kokuzihlela luzobhekelela ukudayisa imishwalense nokunye kubantu ngokwezigaba zamaholo abo. Labo abahola phakathi kwe-R1000 kuya ezi-R20000 ngenyanga. Besekuthi labo abahola phakathi kwezi-R20000 kuya ezi-R80000 bebe futhi benezimpahla ezingevile ezigidini eziyisi-7.5 babhekelelwe ngezidingo zokuboleka imali. Abokugcina yilabo abahola izi-R80000 kweve okanti bebebenezimpahla ezingaphezulu kwezigidi eziyisi-R7.5 bona bazobhekekelwa kangcono ngezidingo zezezimali ngokwamazinga abo.

Kulabo ababhekelela ukufakela amasheya ezimakethe, kungaba yithuba elihle kakhulu leli lokuzibandakanya nohlelo olusha olwakhiwa yinkampani i-Old Mutual lokudlondlobala ne-Afrika.

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