I&M Bank (Rwanda) Plc yanditse izamuka ry’inyungu ya nyuma y’imisoro ringana na 120%, rikubye inshuro eshatu

I&M Bank (Rwanda) Plc yatangaje ibyavuye mu mari yayo ku gihembwe cya mbere cya 2024 ku itariki ya 21 Gicurasi, aho inyungu isigaye nyuma yo gukuramo amafaranga yose yazamutse ku kigero cya 120 ku ijana igera kuri miliyari 4.8 z'amafaranga y'u Rwanda, iva kuri miliyari 2.2 mu gihe nk'icyo cya 2023.

Imikorere ya Banki mu gihembwe cya mbere cya 2024 yagaragaje iterambere rikomeye, rishingiye ku migambi y'ingamba no ku micungire y'imari ishishoza.

Ibipimo by'inyungu byagaragaje iterambere rikomeye, aho igipimo cy'inyungu ku mari y'abanyamigabane (ROE) cyageze kuri 23.83 ku ijana n'igipimo cy'inyungu ku mutungo (ROA) kigera kuri 2.91 ku ijana.

Inyungu ku nguzanyo yazamutse ku kigero cya 46 ku ijana, biturutse ku kwiyongera kwa 29 ku ijana mu nguzanyo zatanzwe no gukomeza gushora imari mu mpapuro mpeshwamwenda.

Amafaranga y'ibihembo n'amafaranga yo gutanga serivisi yiyongereye ku kigero gitangaje cya 403 ku ijana ugereranyije n'umwaka ushize, bigaragaza ko ibicuruzwa bitandukanye bya Banki byagenze neza.

Byongeye kandi, inyungu ziturutse ku bucuruzi bw'amafaranga y'amahanga zazamutse ku kigero cya 34 ku ijana, biturutse ku kwiyongera kw'ibikorwa by'ivunjisha.

Ibiciro by'imikorere byazamutse ku kigero cya 6 ku ijana ugereranyije n'umwaka ushize, bitewe ahanini n'izamuka rya 19 ku ijana ry'ibiciro by'abakozi bigamije guteza imbere ubumenyi bw'abakozi. Icyakora, ibi byagabanyijwe igice n'igabanuka ry'andi mafaranga y'imikorere.

Uburyo Banki ikoramo mu rwego rwo gucunga ingaruka z'inguzanyo no kugarura amafaranga yari yarasigaye mu mwaka ushize, byatumye amafaranga yo gutanga igihombo cy'inguzanyo azamuka ku kigero cya 186 ku ijana.

Umutungo n'imari shingiro bya I&M Bank byakomeje kuba bikomeye. Umutungo w'inguzanyo wiyongereyeho 29 ku ijana ugereranyije n'umwaka ushize, ugera kuri miliyari 312 z'amafaranga y'u Rwanda, mu gihe igipimo cy'inguzanyo zitishyurwa (NPL) cyagabanutse kikava kuri 2.4 ku ijana muri Ukuboza 2023 kikagera kuri 2.07 ku ijana.

Banki yakomeje kugira amafaranga ahagije ahita aboneka, aho igipimo cy'inguzanyo ugereranyije n'ububiko bwose cyageze kuri 63.8 ku ijana, n'igipimo cy'ubushobozi bwo kwishyura byihuse (liquidity coverage ratio) cyageze kuri 327 ku ijana.

Amafaranga yabikijwe yazamutseho 41 ku ijana, agera kuri miliyari 529 Frw kugeza ku ya 31 Werurwe 2024, mu gihe umutungo w'abanyamigabane wiyongereyeho 6 ku ijana, biturutse ku kwiyongera kwa 9 ku ijana kw'inyungu zagumanywe, zigera kuri miliyari 60 Frw.

Mu gusesengura imikorere y'igihembwe cya mbere cya 2024 cya Banki, Benjamin Mutimura, Umuyobozi Mukuru, yagize ati: “Gushyira mu bikorwa ingamba nshya za Banki yacu bimaze kugaragaza ibisubizo byiza. Turimo gukomeza kugira umwanya ukomeye mu masoko y'ingenzi, mu gihe dushakisha kandi amahirwe ashimishije mu masoko akiri kuzamuka. Uku guhuza ibikorwa bituma tugera ku nyungu zirambye ku banyamigabane bacu mu gihe kirekire.”

Ibice by'ubucuruzi bya Banki birimo Ubucuruzi bw'Amasosiyete, Imishinga Mito n'Iciriritse (MSME), na Serivisi z'Imari ku Baturage (Retail Banking) byagaragaje iterambere rishimishije.

Kimwe mu bigaragara cyane ni uko ishami rya MSME ryabonye kwiyongera kwa 75 ku ijana mu nguzanyo n'inguzanyo z'agateganyo no kwiyongera kwa 67 ku ijana mu nguzanyo zabikijwe ugereranyije n'umwaka ushize, biturutse ku bikorwa byo guhindura ibikorwa mu buryo bw'ikoranabuhanga no ku bukangurambaga bushya nka 'Agiserera' na 'Iyubake'.

Naho ku Bucuruzi bw'Amasosiyete, na bwo bwitwaye neza, aho amafaranga yabikijwe yiyongereyeho 33 ku ijana ugereranyije n'umwaka ushize, bitewe n'isesengura ry'amakuru no ingamba zo kugurisha serivisi nyinshi ku mukiriya umwe.

Ubushake bwa I&M Bank bwo koroshya serivisi ku bakiriya binyuze mu biro byihariye by'inguzanyo za MSME n'iz'Abaturage byatumye hagaragara iterambere rikomeye muri ibi bice, aho inguzanyo ku bakiriya ba Retail na MSME zazamutseho 20 ku ijana na 75 ku ijana, uko bikurikirana.

Banki iteganya kwagura ibiro byayo by'ubucuruzi bya MSME n'iby'Abaturage n'urusobe rw'amashami i Kigali no mu mijyi yunganira, bigamije kunoza gufata ibyemezo ku rwego rw'ibanze no kwihutisha igisubizo ku bakiriya.

“Mu gihe kiri imbere, I&M Bank yiyemeje gushyigikira iterambere ry'ubukungu bw'u Rwanda binyuze mu ngamba n'ubufatanye bw'ingenzi,” nk'uko yabisobanuye. “Tuzibanda ku nzego z'ingenzi nk'ubuhinzi, ubumenyingiro bw'abagore, iterambere ry'urubyiruko, n'ingufu zisubirwamo, twifuza kugira ingaruka nziza ku mibereho y'abantu barenga miliyoni 2 bitarenze 2026.”