Ikoranabuhanga na Serivisi nziza mu nkingi zafashije I&M Bank Rwanda kunguka hafi Miliyari 11 mu 2021

Iyi Banki iri muzihagaze neza ku isoko ry'u Rwanda, yatangaje ko inyungu yagize iyikesha zimwe mu nkingi zayifashije cyane mu 2021 zirimo gutanga serivisi nziza kandi zinoze ku gihe no gukoresha ikoranabuhanga ririmo na SPENN imaze gukoreshwa n'abakiliya b'iyi banki banga n'ibihumbi 300.

I&M Bank (Rwanda) Plc yungutse Miliyari 10.9 z’amafaranga y’u Rwanda mbere yo kwishyura umusoro ku nyungu bitewe  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.  Ibyavuye mu mwaka wa 2021 ugereranyije n’umwaka wa 2020 

Banki yatangaje ko yinjije miliyari 31.7 z’amafaranga y’u Rwanda nk’inyungu fatizo mu mwaka wa 2021, zikaba ziyongereyeho  24% ugereranyije n’umwaka ushize, bitewe n’izamuka ry’inyungu iri hagati y’ amafaranga yinjiye n’amafaranga Banki yungukiye  abakiliya babikije ku ijanisha rya 20% ndetse n’igabanuka ry’igihombo ku nguzanyo zitishyura neza ku ijanisha rya 69% ugereranyije  n’umwaka wa 2020. 

Kwihutisha ishyirwa mu bikorwa ryo gukoresha ikoranamuhanga (74% ry’ibikorwa banki ikorera abakiliya, bibasha gukorwa  hifashishijwe inzira z’ikoranabuhanga gusa) biganisha ku gutanga serivice nziza kandi zihuse no kunyurwa kw’abakiliya. 

Igihombo ku nguzanyo zitishyurwa neza zaramanutse zigera kuri miliyari 1.7 zikaba ziri hasi ya miliyari 5.5 zabonetse muri 2020  biturutse ku izamuka ry’ubukungu, kworoshya ubucuruzi ndetse n’ingamba z’ubwirinzi k’ubuzima.  

Uyu musaruro watumye inyungu ku mari bwite igera kuri 15.69% ivuye kuri 10.99% mu mwaka wa 2020 ndetse inyungu ku mutungo  wose igera kuri 2.07% ivuye kuri 1.39% mu mwaka wa 2020. 

Inyungu yose nyuma y’imisoro yageze kuri miliyari 9.2 y’amafaranga y’u Rwanda, 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. 

Inguzanyo ku bakiliya muri 2021 ziyongereyeho 8% zigera kuri miliyari 222 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 ugereranyije na Miliyari 101 muri 2020.  

Amafaranga yabikijwe n’abakiliya ndetse n’ibigo by’imari yazamutseho 10% agera kuri miliyari 327 z’amafaranga y’u Rwanda ndetse  ikigereranyo cy’inguzanyo ku mafaranga yabikijwe kingana na 68%. Imyenda y’igihe kirekire Banki yari ifitiye ibindi bigo by’Imari  yageze kuri miliyari 61 muri 2021.  

Ubwihaze ku mari bwite ugendeye ku mabwiriza mpuzamahanga ya Basel buhagaze neza ku kigero cya 18.08% na 20.75%.  

Umuyobozi w’Inama y’Ubutegetsi, Bwana Bonaventure Niyibizi yavuze ku guharanira guha agaciro karambye abafatanyabikorwa,  agira 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, ku  bufatanye n’abafatanyabikorwa mu nzego za Leta n’iz’abikorera, twabaye hafi umuryango nyarwanda mu nzego z’ubuzima, uburezi no kubungabunga ibidukikije biciye mu bikorwa birimo umuganda wo gutera ibiti mu nkambi ya Gihembe, kwishyurira ubwisungane  mu kwivuza abaturage 3,500 batifashije bo mu turere twa Nyarugenge na Gasabo, kwishyurira amashuri abana bafashwa na Edified  Generation ndetse n’ibindi byinshi. Twe nka I&M Bank twiyemeje gukomeza gufatanya n’abanyarwanda muri rusange mu gutanga  umusanzu wacu mu iterambere ry’igihucu cyacu”.  

Muri uyu mwaka, abakiliya ba Banki biyongereye ku kigero cya 30% ugereranyije n’umwaka wa 2021. Icyiciro cy’abakiliya bato  n’abaciriritse cy’iyongereye ku kigero cya 80%. Hamwe n’imbaraga twashyize mu gushyigikira iterambere muri iki cyiciro cy’abakiliya  bato n’abaciriritse byatumye Banki yakira igihembo mpuzamahanga cya Banki yahanze udushya “Global Products Innovation of the  Year Award” gitangwa na IFC Global Finance Award. 

Mu gushyigikira iterambere rirambye ry’ iguhugu, Banki yashoye imari mu kubaka icyicaro cyayo gishya kijyanye n’igihe, ibi byatumye  Banki ibasha gukomeza kugera ku bakiliya b’ibyiciro bitandukanye. Iyi nyubako iri ku kigero cy’ijana ku ijana mu gukorerwamo kandi ni  imwe mu nyubako zujuje ibisabwa mu kubungabunga ibidukikije mu Rwanda. 

Umuyobozi Mukuru, Bwana Robin Bairstow yongeyeho ati: “Twinjiye muri 2022 twiyemeje neza kandi twizeye ko dushobora gukomeza  gushyira mu bikorwa ingamba zacu. Turakomeza kubakira kubyo twagezeho mu myaka ishize no gukomeza gahunda yo kwimakaza  ikoranabuhanga mu guhanga udushya''. 

Hamwe n’ishoramari ridahwema guhanga udushya, Banki yatangije serivise nshya ya Bancassurance aho ikorana n’ibigo  bitandukanye by’ubwishingizi. 

Ku birebana n’icyerekezo cya Banki cyo gutanga serivise binyuze mu ikoranabuhanga, yatangije serivise zo gutanga inguzanyo hakoreshejwe  telefoni zigendanwa hamwe n’umufatanyabikorwa wa banki witwa SPENN, kugeza ubu iyi Banki ifite abakiliya bakoresha uru rubuga barenga  ibihumbi magana atatu. 

I&M Bank Rwanda ivuga ko izakomeza gushyira mu bikorwa ingamba nziza zo gucunga neza amafaranga asohoka mu guharanira urwunguko rwiza. Umusaruro wa 2021 urashimishije kuri buri mugabane kuko ungana na RWF 6.61, ubwiyongere bwa 40% ugereranyije na RWF 4.72  yabonetse muri 2020. 

Ni muri urwo rwego, Inama y’ubutegetsi ya I&M Bank (Rwanda) Plc yasabye ko hishyurwa inyungu ya RWF 1.2 kuri buri mugabane  bikazemezwa mu inama rusange ngarukamwaka y’abanyamigabane. 

I&M Bank Rwanda yatangaje ko yungutse hafi Miliyari 11 Frw mu 2021

Robin umuyobozi mukuru wa I&M Bank Rwanda avuga ko bifuza kuzagira inyungu yisumbuyeho umwaka utaha

Umuyobozi w'inama y'ubutegetsi muri I&M Bank Rwanda, NIYIBIZI n'umuyobozi mukuru w'iyi Banki Robin Baistow

Abakozi ba I&M Bank bashimiwe ubwitange n'umurava bagaragaje mu 2021 byatumye umusaruro wiyongera