I&M Bank Rwanda yinjije miliyari 11 z’amafaranga y’u Rwanda mbere y’imisoro mu gihembwe cya gatatu
Banki ya I&M Rwanda Plc yanditse inyungu mbere y'imisoro ingana na miliyari 10.9 Rwf mu gihembwe cya gatatu cya 2023, bingana n'izamuka rya 7 ku ijana ugereranyije na miliyari 10.2 Rwf yanditswe mu gihe nk'icyo cya 2022.
Ibi bigaragaza imikorere myiza mu bihembwe bitatu bikurikiranye bya 2023, bigatuma Banki yizera kugera ku ntego zayo z'umwaka.
Mu gusobanura imikorere, Benjamin Mutimura, Umuyobozi Mukuru wa I&M Bank Rwanda, yavuze ko Banki ikomeje kwagura ibikorwa byayo ku buryo bushimishije, biturutse ku kwiyongera kw'inyungu mu nzego zose z'ubucuruzi.
“Inyungu nyinshi ku nguzanyo no gukomeza kugenzura ibiciro bidutera imbere kugira ngo tugere ku ntego zacu za 2023. Mu gihembwe cya gatatu cya 2023, twagize izamuka rya 19 ku ijana mu binjiza by'ibikorwa nyuma yo gutakaza agaciro k'imari,” ni ko yongeyeho.
Binyuze mu nyungu zirushijeho kuboneka ziturutse ku mutungo winjiza inyungu, zijyanye no kwagura inguzanyo ku kigero cya 18 ku ijana, Banki yagize izamuka rya 6 ku ijana mu nyungu z'inguzanyo zisigaye nyuma yo gukuramo inyungu zishyurwa, ugereranyije n'umwaka ushize, bitewe n'ubwiyongere bwihuse bw'ibikorwa by'inguzanyo mu byiciro byose ndetse n'igiciro cy'ingaruka cyahagaze neza ku kigero cya 61 basis points. Bityo, igipimo cy'inguzanyo zidahemberwa (NPL) cyagabanutse kiva kuri 4.2 ku ijana mu 2022 kigera kuri 3.41 ku ijana mu 2023.
Ubu, ingano yose y'amafaranga abakiriya babitse yiyongereyeho 24 ku ijana, bigumana ituze n'itandukanye ry'amafaranga abitswe, aho hafi 85 ku ijana by'amafaranga abakiriya babitse ari mu byiciro bidahungabana cyane by'konti z'amafaranga ahora ahari (current) n'konti zo kubitsa (savings), bizwi nka CASA.
Igipimo cy'inyungu ku mutungo bwite wa Banki (ROE) n'igipimo cy'inyungu ku mutungo wose (ROA) byakomeje guhagarara neza ku kigero cya 12.89 ku ijana na 1.82 ku ijana, mu gihe umutungo wose wiyongereyeho 14 ku ijana, bigatuma Banki ikomeza isoko ryayo n'imikorere myiza. Icyakora, amafaranga Banki yinjiza ava mu bakiriya nka serivisi n'amakomisiyo yiyongereyeho 17 ku ijana, bigaragaza imbaraga zashyizwe mu kongera amafaranga binyuze mu bikorwa by'ikoranabuhanga.
Ibi bigaragaza ko ikoreshwa ry'ikoranabuhanga rikomeje kwiyongera, aho 84 ku ijana by'ibikorwa byose ubu bikorerwa ku miyoboro y'ikoranabuhanga, hamwe n'iyongera ry'umubare w'abakiriya.
Abayobozi batangaje kandi ko amafaranga y'ibikorwa yiyongereyeho 25 ku ijana, bigaragaza ubushake bwa Banki bwo gushora imari buri gihe mu bakozi n'kongera ubushobozi bw'imbuga zikoreshwa n'abakiriya binyuze mu iterambere ry'ikoranabuhanga, hagamijwe kunoza ubushobozi bwo gukomeza gukora neza no kongera kunyurwa kw'abakiriya.
Mu bindi bikorwa, Banki yakomeje izamuka ryayo mu bucuruzi bw'ivunjisha ry'amafaranga y'amahanga, igera ku izamuka rya 75 ku ijana mu nyungu ziva mu bucuruzi bw'amafaranga y'amahanga, bitewe n'umubano ukomeye w'abakiriya.
Binyuze mu bicuruzwa byuzuye bya banki ku bantu ku giti cyabo, ku bucuruzi, ku bigo ndetse no ku bigo binini, biboneka mu mashami yayo atandukanye, I&M Bank Rwanda ihuza n'ibyifuzo bitandukanye by'abakiriya.
Vuba aha, yongeye gushimangira ubushake bwayo bwo guteza imbere impinduka z'ikoranabuhanga n'iterambere ry'ubukungu mu gihugu, binyuze mu gutangiza serivisi yo kwiyandikisha kuri interineti ku bantu ku giti cyabo n'abikorera ku giti cyabo, ndetse no kwishyura serivisi za Irembo Gov binyuze ku miyoboro yayo yo kwishyura.
Banki kandi yihutiye kwakira uburyo bwa e-Kash bwo guhuza serivisi (interoperability), inashyiraho indi mikoranire y'ingamba na Old Mutual, bigaragaza ko yiyemeje kuba mu bambere mu gukoresha udushya. Iyi gahunda ni igice cy'ingenzi cy'ingamba rusange zigamije guteza imbere imishinga mito, iciriritse n'iciriritse cyane (MSMEs).
