I&M Bank (Rwanda) Plc yanditse izamuka ry’inyungu ringana na 10% mu gice cya mbere cya 2023
I&M Bank (Rwanda) Plc yanditse inyungu mbere y'imisoro ya miliyari 7.2 z'amafaranga y'u Rwanda mu gice cya mbere cya 2023, bingana n'izamuka ry'inyungu ku kigero cya 10 ku ijana ugereranyije na miliyari 6.5 z'amafaranga y'u Rwanda yari yatangajwe mu gihe nk'icyo cya 2022.
Nk'uko umuberwa w'inguzanyo abivuga, iyi ziyongera ryatewe n'imikorere ya Banki igaragara mu bipimo byose by'inyungu, aho inyungu ku mari y'abanyamigabane (ROE) n'inyungu ku mutungo (ROA) byazamutse bigera kuri 12.81 ku ijana na 1.72 ku ijana bikurikirana.
Benjamin Mutimura, Umuyobozi Mukuru wa I&M Bank, yavuze ko ibyavuye mu gihembwe cya kabiri bigaragaza akamaro k'icyitegererezo cy'ubucuruzi gitandukanye, umutungo w'imari uhamye, ndetse n'ubushake bwo gukomeza gufasha abakiriya, nubwo ibihe by'ubukungu bya rusange bikomeje kuba bigoye bigira ingaruka ku bidukikije by'ubucuruzi.
Banki yatangaje ko yinjije miliyari 21.5 z'amafaranga y'u Rwanda nk'inyungu nyayo. Inyungu nyayo ku nguzanyo yiyongereyeho 4 ku ijana, ahanini biturutse ku kwiyongera kw'inguzanyo n'imari batanze, ishoramari mu mpapuro mvunjwafaranga, ndetse n'isoko ry'amafaranga ry'igihe gito.
Amafaranga yinjizwa n'amahoro n'ibihembo yiyongereyeho 22 ku ijana ugereranyije n'umwaka ushize, bigaragaza iterambere ry'ikoreshwa ry'uburyo bw'ikoranabuhanga mu bikorwa by'imari, aho 78 ku ijana by'ibikorwa byose byakorewe ku mbuga z'ikoranabuhanga, ndetse no kwagura umubare w'abakiriya.
Amafaranga yinjizwa n'ibikorwa byo guhindura ifaranga yiyongereyeho 59 ku ijana, bitewe n'iyongera ry'ingano y'ibikorwa.
Mu gihe cyasuzumwe, amafaranga y'ibikorwa yiyongereyeho 26 ku ijana, bitewe n'ishoramari mu gukoresha iterambere ry'ikoranabuhanga mu mbuga zikoreshwa n'abakiriya, mu rwego rwo kunoza ubushobozi bwo gukora no kongera kunyurwa kw'abakiriya, ndetse no kuzamuka kw'izamuka ry'ibiciro.
Nubwo habaye impinduka nkeya ugereranyije n'umwaka ushize, igipimo cy'inguzanyo zidakora (Non-Performing Loans) cy'iyi banki cyakomeje guhagarara ku kigero cya 3.62 ku ijana, bigaragaza ko ubwiza bw'inguzanyo zitangwa bwiyongereye ugereranyije na 4.2 ku ijana muri Ukuboza 2022.
Ku rundi ruhande, amafaranga abitswa yose yazamutse ku kigero cya 10 ku ijana, aho amafaranga abitswa n'ibigo bito, bito n'ibiciriritse (MSME) yiyongereyeho 36 ku ijana, nk'uko raporo y'imari y'iyi banki ibigaragaza. Muri rusange, amafaranga abitswa yakomeje guhagarara neza kandi yagabanijwe neza, aho hafi 72 ku ijana by'amafaranga abakiriya babitsa ari ay'konti zisanzwe n'ay'ubwizigame.
“Tubona amahirwe yo kubaka umubano ukomeye kandi mwiza n'abakiriya bacu mu bucuruzi bwacu, gushyiraho ubufatanye bw'ingamba no kuba banki ya mbere ibigo bya MSME bihitamo, dukoresheje ibicuruzwa byacu by'ikirenga, tubaha amahirwe yo kwagura ubucuruzi bwabo no kubona inguzanyo,” Mutimura yavuze.
Mu rwego rwo kongera kwibanda ku bigo bya MSME, Mutimura yavuze ko bashinze ubufatanye bw'ingamba na FMO, banki y'iterambere yo mu Buholandi, mu rwego rwo gushyiraho NASIRA Portfolio Guarantee igamije ingeri z'ingenzi nk'abahinzi bato, urubyiruko, n'abagore bafite ubucuruzi.
“Tuzakomeza kandi kwiyemeza gushyigikira kugarura ubukungu bw'igihugu no gushyira mu bikorwa ingamba z'ingenzi, no gutanga serivisi nziza cyane ku bakiriya, dushyira imbere ibisubizo bishya by'imari, dukoresha ikoranabuhanga rigezweho, no gukomeza umubano ukomeye n'abakiriya.” Yongeyeho.
