Atlas Mara Ltd iheruka gutangaza ko yabonye uburenganzira bwa Banki Nkuru y’u Rwanda bwo kugurisha na KCB Group ishoramari ifite muri Banque Populaire du Rwanda Plc. (BPR), mu rugendo rwo kuva mu bucuruzi bwa banki muri aka karere.
Gahunda ihari ni uko iriya banki yo muri Kenya izagura BPR 100%, ihereye ku migabane 62.06% ya Atlas Mara.
BPR yatangiriye ku musozi wa Nkamba mu Karere ka Kayonza mu 1975, itangizwa n’abaturage bashakaga serivisi zo kuzigama no kugurizanya.
Mu 1986 amashami yayo yihurije mu mutaka umwe nka Union des Banques Populaires du Rwanda (UBPR), mu 2008 iba banki y’ubucuruzi.
Mu 2013 nibwo abanyemari Bob Diamond wahoze ayobora banki ya Barclays washinze Atlas Merchant Capital LLC na Ashish Thakkar nyiri Mara Group Holdings Limited, bihuje bashinga Atlas Mara Limited, ubu ni ikigo kiri ku isoko ry’imari n’imigabane rya London.
Ntabwo urugendo rwaboroheye
Atlas Mara yashinzwe indoto ari ukubaka ikigo cya mbere muri Afurika yo munsi y’ubutayu bwa Sahara muri serivisi z’imari.
Mu Ukuboza 2013 cyashyizwe ku isoko ry’imari n’imigabane, icyo gihe gikusanya miliyoni $325.
Cyatangiye kigura amabanki atandukanye arimo igice cya BRD cyakoraga ubucuruzi cyahujwe na BPR, hongerwaho Union Bank of Nigeria n’imigabane muri ABC Holdings Limited ifite amabanki mu bihugu binyuranye.
Umwaka wa 2014 wasojwe Atlas Mara imaze gushora amafaranga mu mabanki muri Botswana, Mozambique, Nigeria, u Rwanda, Tanzania, Zambia na Zimbabwe.
Inyungu Diamond nk’umuntu wari umenyereye iby’amabanki yatekerezaga muri Afurika nk’igice gifite abantu benshi batagerwaho na serivisi z’imari, si zo yabonye.
Byageze aho nko mu Ukwakira 2020 umugabane muri kiriya kigo wagurwaga $0.30, bihwanye n’imanuka rya 97% ugereranyije n’igihe cyashyirwaga bwa mbere ku isoko ry’imari n’imigabane rya London mu Ukuboza 2013, kuko waguraga $9.83.
Ubuyobozi bwasanze ari ngombwa guhindura umuvuno, ziriya banki zikagurishwa.
Access Bank Plc yo muri Nigeria iheruka kugura 78.15% Atlas Mara yari ifite muri BancABC Botswana, igura na BancABC Mozambique. Ku rundi ruhande KCB Group iri mu rugendo rwo kugura imigabane yo muri BPR Plc. no muri BancABC Tanzania.
Umuyobozi Mukuru wa Atlas Mara, Michael Wilkerson, aheruka kuvuga ko bahisemo gusesengura ubucuruzi bwabo, bakagabanya ibikorwa ahantu bigaragara ko hatari inyungu ifatika mu gihe cya vuba.
Inyungu yo mu Rwanda ntiyari ihagije
Ubwo Atlas Mara yaguraga BPR byateganywaga ko izashoramo nibura miliyari 15 Frw, ku buryo yagombaga kurushaho kuba banki ikomeye ku isoko ry’u Rwanda.
Iyi banki yatangiranye ibibazo by’abaturage bavugaga ko bayiguzemo imigabane kera, nyamara ngo ntacyo ijya ibamenyesha ku migabane yabo ngo wenda ibahe inyungu ku mwaka, nk’umusaruro w’ishoramari bakoze.
Mu mwaka ushize umuyobozi mukuru wa BPR Plc., Maurice Toroitich, yavuze ko itari ihagaze neza guhera mu 2012, bigatuma itagira imari ishingiro ijyanye n’isoko.
Ati “Gutanga inyungu ku migabane uyu munsi byaba ari ukongerera ubukana ikibazo kuri banki ikeneye gukomeza kubaho. Twizera ko mu myaka ibiri, itatu, banki izaba ihagaze neza aho yifuza kuba iri.”
Nko mu 2014 ngo yungutse miliyoni 908,800 Frw nyuma yo guhomba 5,582,622 Frw mu myaka ibiri yabanje, ibintu Toroitich yavuze ko bidatuma banki yabasha guha inyungu abanyamigabane, ahubwo ifasha mu kuzamura imari shingiro.
Iyo nyungu ariko yagiye izamuka kuko mu mwaka ushize nubwo utari woroshye kubera icyorezo cya COVID-19, nyuma yo kwishyura imisoro BPR Plc. yungutse miliyari 3.8 Frw.
Zagabanyutseho 7.3 ku ijana ugereranyije na miliyari 4.1 Frw zabonetse mu 2019.
Kugurana imigabane na Equity Group byarapfubye
Mu kugurisha imigabane ya BPR, muri Mata 2019 byatangajwe ko Atlas Mara yemeranyije na Equity Group Holdings Plc. mu buryo bw’ibanze, ko izahabwa ya migabane 62% na 100% mu zindi banki zo muri Tanzania na Mozambique.
Byagombaga gutangwa nk’ingurane y’imigabane miliyoni 252 muri Equity Group Holdings Plc., ihwanye na 6.27% by’icyo kigo cyo muri Kenya.
Ni igurana ryabarirwaga agaciro ka miliyoni $106.
Amasezerano y’ibanze yarinze ata agaciro nta cyemezo cya nyuma gifashwe, ibiganiro bihagarikwa burundu kubera ingaruka COVID-19 yagize ku bikorwa bya Equity Group n’amakenga yo guteganyiriza ibihe biri imbere.
KCB Group yaje mu yindi sura
Ikindi kigo cyo muri Kenya, KCB Group, cyahise cyinjira muri gahunda yo kugura BPR Plc., cyo kiza gishaka noneho kugura imigabane mu mafaranga.
Ku wa 13 Gicurasi 2021 Umuyobozi w’inama y’ubutegetsi ya KCB Group, Andrew W. Kairu, yemenyesheje abanyamigabane ko urugendo barugeze kure.
KCB ishaka kugura banki yose 100%. Nyuma y’uko ku wa 25 Ugushyingo 2020 hemeranyijwe igurwa ry’imigabane 62.06% ya Atlas Mara, ku wa 26 Gashyantare 2021 yumvikana na Arise B.V. ku igurwa ry’imigabane 14.61% yari ifite muri BPR.
Iheruka no gutangaza ko yamaze kwandika isaba kugura imigabane 23.3% iri mu maboko y’abanyamigabane bato.
Ugendeye ku mutungo mbumbe w’iriya banki muri Kamena 2020, kugira ngo KCB yegukane imigabane ya Atlas Mara na Arise B.V. yazishyura $37, 978,757.09.
Kugira ngo KCB yegukane BPR Plc. 100% izishyura nibura $49, 535,355.53, ugendeye ku gaciro k’ifaranga ry’u Rwanda ko muri Gashyantare 2021 ubwo idolari ryavunjaga 989.0450 Frw.
Igiciro cya nyuma ariko kizemezwa na KCB na Atlas Mara hashingiwe ku mutungo mbumbe wa BPR uzaba ubarwa mu kwezi kubanziriza ukuzasozwamo iri hererekanya.
Ibyo byose ni nabyo bizagenderwaho mu kubara ikiguzi cy’abanyamigabane bato muri BPR.
Ubu bucuruzi busobanuye iki ku isoko ry’imari?
BPR niyo banki ifite amashami menshi hirya no hino mu gihugu (137), abacuruza serivisi zayo 350 n’ibyuma 51 bitanga amafaranga bizwi nka ATM.
Umusesenguzi mu by’ubukungu Teddy Kaberuka yabwiye TAARIFA ko mu bibazo BPR yagize kuva mu myaka yashize harimo guhanganira isoko na za SACCO zaje zifite serivizi zihuye n’abaturage b’amikoro make, zibasanze mu mirenge yose y’igihugu.
Mbere abaturage mu bice byinshi banki yari hafi yabo yari BPR, nk’uko yari banki y’abaturage.
Ibyo bikajyana n’uko izindi banki zagendaga zegera abaturage.
Kaberuka avuga ko nubwo muri ibi bihe ubukungu butifashe neza kubera icyorezo cya COVID-19, nikirangira hazaba hakenewe amafaranga menshi n’ibigo bifite imari shingiro ifatika, bizatanga amafaranga abantu bagasubukura ibikorwa byahungabanye.
Yakomeje ati ” KCB ni imwe muri banki zikomeye mu karere, nibaza ko izayongerera izindi mbaraga haba mu ikoranabuhanga, imicungire y’amabanki, banki zo muri Afurika y’Iburasirazuba zimaze gutera imbere muri serivisi ziha abakiliya, ugasanga ni banki iva mu biro igasanga abaturage, ku buryo kugezwaho serivisi z’imari biziyongera.”
Yavuze ko nk’ikigo gishya kigomba gutekereza uko cyahangana ku isoko ry’u Rwanda ririho na banki zimaze gushinga imizi, ku buryo gishobora no kuzamura imari shingiro cyakoreshaga.
KBC ivuga ko kwinjira ku isoko ry’u Rwanda bizatuma iba banki ya kabiri ikomeye mu Rwanda, izaba yihariye 15% by’isoko ry’imari. Ni isoko ry’imari riyobowe na Banki ya Kigali ifite 34.8% by’isoko kugeza muri Werurwe 2021.
Mu gihe KCB iri mu rugendo rwo kugura BPR, inategereje uburenganzira bwa Banki Nkuru ya Tanzania bwo kugura BancABC 100%, izatangwaho nibura $7,098,828.33 hagendewe ku mutungo mbumbe wayo wabarwaga muri Kamena 2020.
