BAMBANCIN WAYANDA SUKA SIYI DANGOTE IPO TA BROKER DA WAYANDA SUKA SIYA TA BANK KO FINTECH Tun bayan fara Dangote Refinery IPO na samu tambayoyi da yawa. Wani yace min: “Ni na siya ta Bamboo, wani kuma ya siya ta Bank, shin shares ɗinmu ɗaya ne?” Wani kuma yace: “Idan na siya ta bank, idan an gama IPO ina zan ga shares ɗina?” Bari na sauƙaƙa muku wannan maganar yadda kowa zai fahimta. Abu na farko da ya kamata ka sani shine, duk Dangote Refinery share ɗaya ne. Babu wani share na Bamboo daban, babu na Bank daban, babu kuma na Fintech daban. Idan kai ka nemi shares 100 ta Broker App, wani kuma ya nemi shares 100 ta Bank, idan aka yi allotment aka baku shares 100 ɗin gaba ɗaya, duk kuna mallakar shares 100 na kamfani ɗaya. To ina banbancin yake? Babban banbancin yana wajen hanyar da kayi amfani da ita wajen yin application da kuma yadda zaka riƙa ganin da sarrafa shares ɗinka bayan an kammala IPO. Misali, idan kayi application ta Broker App da yake baka damar trading a NGX, kana da brokerage account da zaka iya ganin investments ɗinka a ciki. Bayan an rufe IPO, aka kammala allotment, aka credit shares ɗin sannan aka fara trading, zai iya zama maka da sauƙi ka ga shares ɗinka a portfolio ɗinka sannan ka siya ko ka sayar ta broker ɗinka. Idan kuma ka siya ta Bank fa? Wannan ma ba wata matsala bace. Idan bank ɗin yana cikin hanyoyin da aka amince dasu wajen karɓar application na IPO, bank ɗin zai iya zama hanyar da kayi amfani da ita wajen subscription da biyan kuɗin shares. Amma akwai abu da ya kamata ka fahimta. Bank da Stockbroker ba abu ɗaya bane. Saboda kayi application ta bank ba yana nufin cewa bank ɗin ne dole zai zama inda zaka riƙa trading da shares ɗinka bayan listing ba. Anan ne maganar CHN da CSCS Account take da muhimmanci. CHN kamar identity ɗinka ne a tsarin capital market. Shi kuma CSCS account yana taimakawa wajen riƙe bayanan securities/shares ɗinka ta broker. Saboda haka idan ka riga kana da CHN, yana da kyau ka tabbatar bayananka daidai suke lokacin application domin a guji samun duplicate records. To Fintech Apps fa? Su ma tsarin kusan haka yake. Wasu Fintech suna aiki tare da licensed stockbroker, saboda haka zaka iya yin application, sannan daga baya ka ga shares ɗinka a portfolio. Wasu kuma hanyar yin subscription/application kawai suke baka. Saboda haka idan mutum yace maka “Na siya ta Bank”, “Na siya ta Broker” ko “Na siya ta Fintech”, kar kayi tunanin shares ɗinsu sun bambanta. Hanyar da suka bi ce ta bambanta, ba share ɗin ba. Ga wani abu kuma da mutane da yawa suke kuskure akansa. Idan kayi payment ka samu receipt cewa kayi application na shares 1,000, wannan ba yana nufin an riga an baka shares 1,000 ba. Application ne kayi. Sai bayan an rufe IPO sannan a yi allotment. Idan demand ya yi yawa sosai, zai iya yiwuwa ka nemi shares 1,000 amma a baka ƙasa da haka. Idan hakan ta faru, za a bi tsarin offer ɗin wajen handling kuɗin shares ɗin da ba a allot maka ba. Saboda haka ka adana receipt, transaction reference da duk wani confirmation da aka baka. Yanzu tambayar da wasu zasu yi ita ce: “Idan shares ɗina suna ƙarƙashin wani broker, zan iya mayar dasu wani broker?” Eh, akwai tsarin da ake kira Inter-Member Transfer. Misali kana da shares ƙarƙashin Broker A, amma kana son ka riƙa trading da Broker B. Ana iya bin tsarin CSCS domin a transfer holdings ɗinka daga broker ɗaya zuwa wani, bisa sharuddan da suka dace. Wannan shine dalilin da yasa bana son mutane su damu sosai da cewa “Ni na siya ta bank amma abokina ya siya ta Bamboo.” Abu mafi muhimmanci shine ka tabbatar hanyar da kayi amfani da ita approved ce, bayananka sun yi daidai, kuma application ɗinka ya samu confirmation. Sannan ku kula sosai da scammers. Kar wani ya turo maka message a WhatsApp yace: “Ka turo min kuɗi zan siya maka Dangote shares.” Ko yace: “Ni zan tabbatar maka zaka samu allocation 100%.” Ka bi approved channels kawai. A taƙaice: Ka siya ta Broker? ✅ Ka siya ta Bank? ✅ Ka siya ta approved Fintech? ✅ Idan aka yi maka allotment, Dangote Refinery share ɗaya ne. Banbancin yana wajen yadda - @drzakey