I&M Bank yanditse inyungu nyuma y'imisoro ya miliyari 5.1 Rwf – 2020
I&M Bank (Rwanda) Plc yagize inyungu nyuma y'imisoro ingana na miliyari 5.1 z'amafaranga y'u Rwanda mu 2020, nubwo icyorezo cya Covid-19 cyagize ingaruka mbi ku bakiriya ba banki.
Banki y'inguzanyo yagaragaje inyungu mbere y'imisoro ingana na miliyari 7.8 z'amafaranga y'u Rwanda, aho umutungo w'inguzanyo wiyongereyeho 19% ugereranyije n'umwaka ushize, ugera kuri miliyari 205 z'amafaranga y'u Rwanda muri Ukuboza 2020.
Umutungo w’iyi banki wasoje ugeze kuri miliyari 417 z’amafaranga y’u Rwanda, naho amafaranga y’abanyamigabane agera kuri miliyari 54, bikaba byarazamutse ku kigero cya 31% n’icya 27% uko bikurikirana. Ibitswa na byo byiyongereye cyane, bikomeza imbaraga z’uburyo banki itera inkunga ibikorwa byayo n’ubushobozi bwayo bwo kubona amafaranga akenewe.
Amafaranga yose yinjiye yazamutse agera kuri miliyari 49.5 z’amafaranga y’u Rwanda, yiyongereyeho 16.3% ugereranyije na 2019, bitewe ahanini n’izamuka ry’amafaranga atava mu nguzanyo ku kigero cya 33% n’izamuka ry’inyungu ziva mu nguzanyo zitarimo ibiciro ku kigero cya 3%. Izamuka ry’amafaranga atava mu nguzanyo ryatewe ahanini n’izamuka rya 61% ry’amafaranga yinjizwa n’ivunjisha ry’amafaranga y’amahanga.
Banki kandi yagaragaje iterambere ry’imikorere yayo, aho yagabanyije ikiguzi cy’ibikorwa byayo ku kigero cya 3% ugereranyije n’umwaka ushize.
Robin Bairstow, Umuyobozi Mukuru wa banki, yavuze ko ibyavuye mu bikorwa bya banki mu 2020, nubwo habayeho ihindagurika ry’ubukungu, bigaragaza iterambere n’impinduka mu kongerera imbaraga ibikorwa byayo by’ingenzi, ndetse no kunoza ubushobozi bwayo mu ikoranabuhanga rya digitale.
“Nubwo icyorezo cya COVID-19 cyazanye ibibazo byinshi mu 2020, ibyavuye mu bikorwa bya banki mu 2020 ni ibishimishije kandi bigaragaza ko imbaraga twashyize mu kwibanda ku kongerera imbaraga ibikorwa byacu by’ingenzi, gutanga serivisi nziza ku bakiriya no kunoza ubushobozi bwacu bwa digitale kugira ngo tubashe guteza imbere ibisubizo ku bakiriya bacu vuba, bizakomeza kugira umusaruro mu gihe kirekire,” ibi ni ibyo yavuze.
“Gufasha abakiriya bacu kongera kubona umutekano w’imari urambye ni cyo twari dufite mu mwanya wa mbere. Twabigezeho dukoresha abakozi bacu mu gukorera mu rugo mu gihe cyo hejuru cy’icyorezo, kandi dukomeza gufungura amashami yacu n’ibigo bitanga serivisi ku bakiriya. Byongeye kandi, twashyizeho gahunda yuzuye yo gushyigikira abantu ku giti cyabo n’ibigo by’ubucuruzi, harimo kugabanya inyungu ku nguzanyo, gukuraho amafaranga ya serivisi zo kuri interineti no gutanga uburyo bwo kongera igihe cyo kwishyura inguzanyo,” ibi ni ibyo yongeyeho.
Muri icyo gihe cyavuzwe, banki yakiriye inguzanyo zirenga 1,700 zasubitswe. Ibyo byose byagize uruhare rukomeye mu kugera ku kigero gishimishije cya 78.5% cy’abakiriya banyuzwe na serivisi.
“Mu 2020, byari ingenzi cyane gushimangira ibikorwa byacu by’imibereho myiza y’abaturage (CSR). Banki yatanze amafaranga angana na miliyoni 241 z’amafaranga y’u Rwanda, muri yo miliyoni 153.4 z’amafaranga y’u Rwanda zatanzwe ku giti cyabo n’Inama y’Ubutegetsi, Ubuyobozi n’Abakozi ba I&M Bank (Rwanda) Plc, mu rwego rwo gushyigikira imbaraga Guverinoma ishyiramo mu kurwanya icyorezo cya Covid-19 mu Rwanda,”
“Muri rusange, twagezeho ku musaruro mwiza. Ibyo twatanze mbere yo gutanga ibisabwa byo kubika amafaranga (pre-provisions) byari bihamye muri rusange, hamwe n’izamuka rishimishije ry’amafaranga atava mu nguzanyo ku kigero cya 33%, bigaragaza ishyirwa mu bikorwa ry’ingamba zacu zo kwagura ibikorwa, n’izamuka rya 3% ry’inyungu ziva mu nguzanyo. Nyamara, twakomeje kugira imyumvire yitonze ku ngaruka z’icyorezo zishobora kuzagaragara byuzuye, maze dushyiraho andi mafaranga yo kwitegura ayo ngaruka.” ibi ni ibyo yavuze.
“Banki ikomeje kugira umutungo ushikamye w’imari nyuma y’Igurisha ry’Imigabane Mishya, ifite amafaranga ahagije ahita aboneka kandi yateganyirije neza igihombo gishobora guterwa n’imyenda. Dukomeje kwiyemeza gushyira mu bikorwa gahunda yacu y’ingamba, kandi twongeye gushimangira ko twiyemeje kuba umufatanyabikorwa w’iterambere ry’imari ya bakiriya bacu n’abaturage dukorera,” ibi bikaba ari byo yongeyeho.
Mu mwaka wa 2020, iyi banki yashyize ku isoko Imigabane Mishya, yakiriye abaguze barenga ku bwinshi bwari buteganyijwe ku kigero cya 112 ku ijana, ikusanya asaga miliyari 7.8 z’amafaranga y’u Rwanda.
Iki gikorwa cyafatwe nk’ikidasanzwe kuko amafaranga yakusanyijwe mu gihe cy’icyorezo, igihe imari yari ikenewe cyane ariko abashoramari batinya gushora.
Bimwe mu byavuye mu Igurisha ry’Imigabane Mishya bizakomeza gushyigikira Micro, Ntoya n’Iciriritse (MSMEs) zo mu gihugu, banki ivuga ko zigira uruhare runini mu bukungu mu buryo butandukanye, nk’guhanga imirimo no mu migendekere y’ibicuruzwa.
Banki yahinduye imikorere n’amabwiriza kugira ngo Micro, Ntoya n’Iciriritse (MSMEs) zoroherwe kubona inguzanyo. Muri ibyo harimo ibipimo byo kwemera ingaruka n’ibipimo byo kwemera abakiriya, aho banki yihangana ku bigo bikiri bito ndetse ntibibasabe ibisabwa byagenewe ibigo binini.
Inkunga banki itanga ku MSMEs ntiigarukira ku rwego runaka, kuko zirimo n’abakora mu nzego zitandukanye, harimo n’abafite inguzanyo itarenze miliyari 1 y’amafaranga y’u Rwanda.
