Ni iki gikurikiraho kuri I&M Bank nyuma y'Igikorwa cyo Gutanga Imigabane Mishya cyarenzweho?

I&M Bank Rwanda yatangije ihererekanywa ry'imigabane yayo y'uburenganzira bwo kugura imigabane mishya (Rights Issue), aho imigabane yose yagurishijwe ikarenga ku kigero cya 112%, bigatuma yinjiza miliyari 8 z'amafaranga y'u Rwanda (Rwf) hafi. Iyo gahunda yo kugura imigabane mishya, yatangiye ku itariki ya 25 Nzeri, yahaye abanyamigabane basanzwe amahirwe yo kongera imigabane yabo muri iyi sosiyete, ku giciro cyagabanyijwe cya Rwf 39.60.

Iyo gahunda yo kugura imigabane mishya yahaye abanyamigabane basanzwe amahirwe yo kongera imigabane yabo muri Banki, aho umuntu wese yaguraga umugabane mushya umwe ku migabane itanu y'isanzwe yari afite, ku giciro cyagabanyijwe cya Rwf 39.60. Muri rusange, imigabane mishya 202,000,000 yarasohowe.

Iki gikorwa cyafatwa nk'icy'agaciro gakomeye, kuko amafaranga yakusanyijwe mu gihe cy'icyorezo, igihe igishoro kiba gike n'abashoramari badashaka gushora imari.

Kuba abanyamigabane b'iyi banki bagaragaje icyizere cyabo mu buryo bwo kugura imigabane, banki ivuga ko amafaranga y'inyongera azakoreshwa mu kongera ubushobozi bw'ikoranabuhanga ndetse no gushyigikira imishinga mito n'iciriritse, hamwe n'ibindi bikorwa. Banki ibona ko ibyo bizatuma irushaho kugira umwanya mwiza ku isoko ry'imbere mu gihugu, mu iterambere rirambye.

Hakoreshejwe amafaranga y'inyongera, I&M Bank Rwanda yabonye igishoro gihagije, nk'uko bisabwa n'itegeko ryo mu 2018 ry'Banki Nkuru y'Igihugu, risaba amabanki yo mu gihugu kongera igishoro cya ngombwa kiva kuri miliyari 5 z'amafaranga y'u Rwanda kigere kuri miliyari 20.

Robin Bairstow, Umuyobozi Mukuru wa Banki, yavuze ko mu bintu bizavugururwa harimo kongera uburyo bw'ikoranabuhanga mu mikorere (automation), kugura ibikoresho by'ibanze bya mudasobwa (hardware) n'ibindi.

“Igishoro cyasabwe kigamije gutanga inkunga y'igihe kirekire yo guteza imbere ubucuruzi burambye, no gushora imari mu bikorwa remezo by'ikoranabuhanga bya Banki, kugira ngo serivisi ihabwa abakiriya irusheho kuba nziza,” ni ko yavuze. Yongeyeho ko ibyo bizagirira akamaro abakiriya basanzwe ndetse n'abazaza, kandi bizoroshya uburyo abakiriya bakorana na Banki.

Bairstow yavuze ko ubu hari imbaraga nyinshi zishyirwa mu kwagura no kongera ubushobozi bw'urubuga rw'ikoranabuhanga (digital platforms), harimo kongera ibikoresho bya mudasobwa (hardware), porogaramu (software), guhindura imiterere y'ibikorwa remezo bya sisitemu, ndetse n'ibindi bisabwa mbere, nk'amategeko yo kurinda umutekano wo ku rubuga (cyber-security protocols).

Hamwe n'ivugururwa ry'ibikorwa, Banki kandi izashora imari mu gutanga amahugurwa no kongera ubumenyi.

Yavuze ko ubu Banki itanga hafi miliyari 3 z'amafaranga y'u Rwanda buri mwaka ku ikoranabuhanga, kandi biteganyijwe ko ayo mafaranga azagenda yiyongera uko igihe kigenda gihita.

Igice cy'amafaranga yavuye mu kugura imigabane mishya kizakoreshwa mu gukomeza gushyigikira imishinga mito n'iciriritse yo mu gihugu, Banki ivuga ko ifite uruhare runini mu bukungu mu buryo bwinshi, nko guhanga imirimo no mu migendekere y'ibicuruzwa. Bairstow yavuze ko mu gihe gishize, Banki yahinduye inzira n'amabwiriza yayo kugira ngo imishinga mito n'iciriritse irusheho kubona inguzanyo.

Muri ibyo harimo ibipimo by'ibyago n'ibipimo byo kwakira abakiriya, aho Banki yihangana ku mishinga mishya, kandi ntibayikoreshe amabwiriza yagenewe amasosiyete manini.

Umuyobozi Mukuru wa Banki yavuze ko inkunga Banki itanga ku mishinga mito n'iciriritse itagarukira ku rwego runaka rwihariye, kuko icyiciro cy'imishinga mito n'iciriritse kirimo n'abakora ibikorwa bafata inguzanyo itarenze miliyari 1 z'amafaranga y'u Rwanda.

Ubufasha bw'imishinga mito n'iciriritse (SMEs), a avuga, buteganyijwe kuzatuma imishinga mito n'iciriritse myinshi n'imishinga ikiri mu ntangiriro ikura igahinduka amasosiyete manini, nk'uko byagendekeye abayiteye imbere mu bunararibonye bwabo. Zephanie Niyonkuru, Umuyobozi Mukuru Wungirije wa Rwanda Development Board (RDB), yashimye iyi banki ku bushobozi bwayo bwo kubona inguzanyo nubwo hari imiterere y'isoko iriho, avuga ko ibyo bigaragaza icyizere abashoramari bafitiye isoko ry'imbere mu gihugu.

Iryo terambere, a yavuze, rigaragaza imigambi ya Rwanda yo gushinga Ikigo Mpuzamahanga cy'Imari i Kigali, kizafasha, mu bindi byinshi, mu gukusanya amafaranga y'imishinga.

Intambwe ya Banki yo gushyira imbere imishinga mito n'iciriritse (SMEs) no gukomeza gutegura serivisi n'ibicuruzwa ititaye ku byago bigaragara, yongeyeho, ni iterambere ryiza ku bukungu bw'igihugu. Celestin Rwabukumba, Umuyobozi Mukuru w'Isoko ry'Imari n'Imigabane rya Rwanda, yavuze ko kwegeranya amafaranga binyuze mu cyemezo cyo kugura imigabane mishya (rights issue) aherutse atari ukugaragaza icyizere abanyamigabane bafite ku isoko gusa, ahubwo ari n'ikimenyetso cy'ubushobozi isoko ry'imari n'imigabane rifite ku bantu benshi batandukanye.

Abanyamigabane ba Banki bashobora kuvugwa muri make nka: Sosiyete ishora imari ya BCR, AfricInvest Evergreen Investments, abashoramari rusange n'aba bantu ku giti cyabo, ndetse n'abakozi ba banki.

Inyungu ku nguzanyo zitari izo kwishyura yiyongereye ku kigero cya 8 ku ijana muri 2019, igera kuri miliyari 22 z'amafaranga y'u Rwanda ivuye kuri miliyari 20.2 muri 2018.