Imwe muri Banki zo muri Kenya ariko zikorera no mu Rwanda yitwa I&M Bank yatangaje ko mu mwaka wa 2021 yinjije miliyari 31.7 Frw ku nyungu fatizo. Ugereranyije n’umwaka wa 2020, ziyongereyeho 24%. Nyuma yo kwishyura imisoro n’ibindi byose, inyungu y’iyi banki yageze kuri Miliyari 10.9. Frw.
Ubuyobozi bw’iyi Banki mu kiganiro byahaye abanyamakuru bwavuze ko ririya zamuka ryatewe n’izamuka ry’inyungu iri hagati y’ amafaranga yinjiye n’amafaranga Banki yungukiyeabakiliya babikije ku ijanisha rya 20% .
Ikindi cyabiteye ni igabanuka ry’igihombo ku nguzanyo zitishyurra neza ku ijanisha rya 69% ugereranyije n’umwaka wa 2020.
Bavuze ko ikindi cyabiteye ari uko byatewe n’izahuka ry’ubukungu bw’imbere mu gihugu n’ igabanuka ry’ igihombo ku nguzanyo zitishyurwa neza.
Umuyobozi Mukuru wa I&M Bank (Rwanda) Plc, Bwana Robin Bairstow yagize ati: “Uyu musaruro uturuka mu mbaraga ziri mu guteza imbere ikoranabuhanga rijyanye n’umurongo mugari wa Banki no guharanira kuba umufatanyabikorwa wa mbere mu Rwanda mu iterambere ry’ubukungu. Uyu musaruro wavuye kandi mu bufatanye bwiza n’abakiliya bacu n’akazi gakomeye gakorwa n’abakozi ba Banki.”
Yavuze ko 74% rya serivisi iriya Banki iha abakiliya bikorwa binyuze mu ikoranabuhanga. Bituma zihuta kandi zikaba zinoze.
Abatangaje ibyavuye mu bikorwa bya I&M Bank bavuze ko igihombo ku nguzanyo zitishyurwa neza zaramanutse zigera kuri miliyari 1.7 Frw zikaba ziri hasi ya miliyari 5.5 Frw zabonetse muri 2020 biturutse ku izamuka ry’ubukungu, kworoshya ubucuruzi ndetse n’ingamba z’ubwirinzi k’ubuzima.
Byatumye umusaruro ku nyungu ku mari bwite ugera kuri 15.69% uvuye kuri 10.99% mu mwaka wa 2020 ndetse inyungu ku mutungo wose ugera kuri 2.07% uvuye kuri 1.39% mu mwaka wa 2020.
Inyungu yose nyuma y’imisoro yageze kuri miliyari 9.2 Frw , bitanga ubwiyongere bwa 78% ugereranyije n’umwaka wa 2020.
Ubu bwiyongere bwagizwemo uruhare n’igabanuka ry’umusoro ku nyungu ryatewe n’ubwicungure bwihutishijwe bwaturutse kw’ ishoramari Banki yakoze yubaka icyicaro cyayo gishya.
Ubuyobozi bwa I&M Banki kandi bwavuze ko inguzanyo ku bakiliya muri 2021 ziyongereyeho 8% zigera kuri miliyari 222 Frw zivuye kuri miliyari 205 mu mwaka wa 2020.
Iri zamuka ryatewe n’inguzanyo nshya ku byiciro byose by’abakiliya ndetse n’inguzanyo nziza zitangwa byatumye ijanisha ry’inguzanyo zitishyurwa neza zigabanuka zigera kuri 3.45%.
Mu Mwaka wa 2021, ishoramari mu mpapuro mpeshamwenda ryari miliyari 91.5 Frw ugereranyije na Miliyari 101 Frw mu mwaka wa 2020.
Amafaranga yabikijwe n’abakiliya ndetse n’ibigo by’imari yazamutseho 10% agera kuri miliyari 327 Frw ndetse n’ikigereranyo cy’inguzanyo ku mafaranga yabikijwe kingana na 68%.
Imyenda y’igihe kirekire Banki yari ifitiye ibindi bigo by’imari yageze kuri miliyari 61 Frw muri 2021.
Abayobozi b’iki kigo bavuze ko ubwihaze ku mari bwite ugendeye ku mabwiriza mpuzamahanga yiswe Basel buhagaze neza ku kigero cya 18.08% na 20.75%.
Umuyobozi w’Inama y’Ubutegetsi ya I&M Bank witwa Bonaventure Niyibizi yavuze k’uguharanira guha agaciro karambye abafatanyabikorwa.
Ati: “Gushimangira imikorere myiza nibyo twibandaho, duharanira gukomeza gufata neza abakiliya batugana ndetse dukorana bya hafi n’abanyamigabane bacu n’abandi bafatanya bikorwa batandukanye. Ni muri urwo rwego, mu mwaka dushoje wa 2021, k’ubufatanye n’abafatanyabikorwa mu nzego za Leta n’iz’abikorera, twabaye hafi umuryango nyarwanda mu nzego z’ubuzima, uburezi n’ahandi…”
Ku kibazo cyerekeranye n’uburyo abafite imigabane bafata imibare y’uko ubukungu bw’iyi Banki bwifashe, Perezida w’Inama y’Ubutetetsi ya I&M Bank witwa Bonaventure Niyibizi yavuze ko bibashimishije kubera ko imibare yerekana ko banki yungutse.
Ibyo kandi ngo ntibyabura gushimisha abanyamigabane.
Ikindi ngo ni inyungu ku migabane nayo yariyongereye.
Intego kandi ngo ugutera imbere kurushaho binyuze mu kongera abakiliya na serivisi Banki ibaha bikiyongera kandi bigangwa neza.
Niyibizi yunzemo ko ibyo bazakora byose bazabikora hifashishijwe ikoranabuhanga kugira ngo birusheho kwihuta.
Yatumiye umuntu wese ushaka kugura imigabane muri I&M Bank kubikora kuko iri ku isoko.
Ku byerekeye uko I&M Bank yitwara ku ruhando rw’izindi banki, Niyibizi yavuze ko intwaro yabo ari ugutanga serivisi nziza, kandi abakozi b’iyi banki bakaba nta makemwa haba mu gutanga serivisi nziza kandi zitanzwe vuba.
