I&M Bank yanditse inyungu ya miliyari 9.2 z’amafaranga y’u Rwanda nyuma y’imisoro

I&M Bank (Rwanda) Plc yagize inyungu nyuma y'imisoro ingana na miliyari 9.2 z'amafaranga y'u Rwanda mu 2021, bingana n'izamuka rya 78 ku ijana ugereranyije n'umwaka ushize. Muri 2020, iyi banki yari yagize inyungu nyuma y'imisoro ingana na miliyari 5.1 z'amafaranga y'u Rwanda.

Iyi banki yatangaje ko umutungo wayo uva ku bikorwa byayo (net revenue) wari miliyari 31.7 z'amafaranga y'u Rwanda mu 2021, wiyongereyeho 24 ku ijana ugereranyije n'umwaka ushize, bituruka ku kwiyongera k'inyungu ku nguzanyo ku kigero cya 20 ku ijana, ndetse no kugabanuka kw'amafaranga yagenewe guhomba ku nguzanyo ku kigero cya 69 ku ijana.

Inguzanyo nyakuri zatanzwe ku bakiliya mu 2021 zazamutse ku kigero cya 8 ku ijana ugereranyije n'umwaka ushize, zigera kuri miliyari 222 z'amafaranga y'u Rwanda zivuye kuri miliyari 205, izamuka rishingiye ku masezerano mashya yasinyiwe mu byiciro byose ndetse no kunoza ubuziranenge bw'inguzanyo, bigatuma igipimo cy'inguzanyo zidahemberwa (Non-Performing Loans) kigabanuka kikagera kuri 3.45 ku ijana.

Amafaranga abitswe n'abakiliya n'ibigo by'imari yazamutse ku kigero cya 10 ku ijana agera kuri miliyari 327 z'amafaranga y'u Rwanda, bituma igipimo cy'inguzanyo ugereranyije n'amafaranga abitswe kiba 68 ku ijana.

Iyi banki kandi yagaragaje iterambere mu buryo bunoze bwo gukora ibikorwa, aho 74 ku ijana by'ibikorwa byose bitangizwa n'abakiliya bikorerwa mu buryo bw'ikoranabuhanga, bigatuma imikorere inoga kandi abakiliya barushaho kunyurwa.

Umubare w'abakiliya b'iyi banki wiyongereyeho 30 ku ijana ugereranyije n'umwaka ushize, mu gihe ababarizwa mu cyiciro cy'imishinga mito n'iciriritse (MSMEs) bazamutseho 80 ku ijana.

Abayobozi bavuze ko izamuka ry'abakiliya mu cyiciro cyari cyirengagijwe cyane, ryaturutse ku guhindura intego ibintu byinshi, harimo ibipimo by'ingaruka, gushyiraho uburyo bwinshi bwa digitale bwo kwiyandikisha, no guhuza serivisi n'ibyo abakiliya bakeneye hakoreshejwe uburyo bwo gukwirakwiza ibicuruzwa mu bice bitandukanye.

Bavuze ko ibi byatumye iyi banki irushaho kugira uruhare mu bucuruzi buto n'imishinga igenda ivuka, bimwe muri byo byari bitarigeze bagera kuri serivisi z'imari.

Iyi banki kandi yakomeje gushora imari mu ikoranabuhanga rya digitale, mu rwego rwo gushishikariza abantu benshi gukoresha serivisi z'imari zikorwa mu buryo bwa digitale.

Iyi mikorere izatuma abanyamigabane bungukirwa, aho inyungu ku mugabane umwe (earnings per share) izaba Rwf6.61, izamutseho 40 ku ijana ugereranyije na Rwf4.72 yagezweho mu 2020.

Inama y'Ubuyobozi ya I&M Bank Rwanda yasabye ko hatangwa inyungu ya Rwf1.2 kuri buri mugabane, izemezwa mu Nteko Rusange Isanzwe y'abanyamigabane iteganyijwe muri Gicurasi uyu mwaka.

Mu gusobanura ku mwiyemezo wa Banki wo guha agaciro kirambye abafatanyabikorwa bose, Perezida w'Inama y'Ubuyobozi, Bonaventure Niyibizi, yavuze ko ibyagezweho byaturutse ku mbaraga no kwita ku kunoza uburambe bw'abakiriya no gukorana neza n'abanyamigabane.

“Banki yongeye gushimangira ubwitange bwayo bwo gushyigikira abaturage dukorera, cyane cyane mu mwaka wa 2021, ishyize imbere by'umwihariko ubuzima, uburezi, kongera ubushobozi, gusana ibikorwa no kubungabunga ibidukikije,” ni ko yavuze.

Umuyobozi Mukuru wa Banki, Robin Bairstow, yavuze ko banki iyobowe n'ingamba zishingiye ku nkingi 3 z'ingenzi: guteza imbere ubucuruzi, kubaka ikigo gihangana n'ibibazo, no kunoza uburyo dukoramo.

“Twagezeho ku ntego zacu z'ingamba za iMara 2.0 mu mwaka wa 2021, dukora neza kandi dutanga ibisubizo bihamye, nubwo icyorezo cya covid-19 n'imbogamizi z'ubukungu muri rusange zari zihari. Ingamba zacu zishingiye ku nkingi 3 z'ingenzi: guteza imbere ubucuruzi, kubaka ikigo gihangana n'ibibazo, no kunoza uburyo dukoramo,” ni ko yavuze.

Banki iheruka gushora miliyoni zigera kuri 26 z'amadolari mu nyubako nshya y'icyicaro gikuru, imwe mu nyubako z'icyatsi za Kigali, zifite ibiranga nk'amasakaro y'imirasire y'izuba yifashishwa mu gukora amashanyarazi, uburyo bwo gukuramo amazi mu buryo bwa siphon bukoreshwa mu gutunganya amazi, ndetse n'inkuta zo hanze zigoramye n'amatafari bifasha gukonjesha imbere.

Iyi nyubako imaze kugera ku kigero cya 100 ku ijana cy'abayikoreramo.

Mu gusobanura ku byateganyijwe kuri 2022, Bairstow yavuze ko bafite icyizere cy'uko bashobora gukomeza gushyira mu bikorwa ingamba zabo.

“Dufite umuvuduko mwiza twinjiranye muri 2022 kandi twizeye ko dushobora gukomeza gushyira mu bikorwa ingamba zacu. Ubu twibanze ku kubaka ku musingi wacu ukomeye no gukomeza gahunda yo gutandukanya inyungu binyuze mu kwinjiza ubucuruzi bushya,” ni ko yavuze.

Yavuze ko mu migambi yabo y'uwo mwaka harimo gushora imari buri gihe mu guhanga udushya mu ikoranabuhanga, hagamijwe kunoza uburyo bwo kwinjiza amafaranga, harimo n'agace ko gutanga inguzanyo ntoya binyuze kuri telefone, cyatangijwe vuba binyuze mu mufatanyabikorwa wa serivisi zo kuri telefone, SPENN.