I&M Bank Rwanda yanditse izamuka rya 74% ry'inyungu isukuye mu 2024

I&M Bank Plc yagaragaje izamuka rya 74 ku ijana ry'inyungu nyuma y'imisoro, rigera kuri miliyari 18.6 z'amafaranga y'u Rwanda mu 2024, rishingiye ku gushora neza umutungo mu mahirwe atanga inyungu nyinshi.

Nk'uko raporo y'imikorere ya banki ibivuga, umutungo wageze kuri miliyari 817.9 z'amafaranga y'u Rwanda, wiyongereyeho 20 ku ijana, kandi kubera ubushobozi bwiyongereye, bageze ku kigero cya 2.54 ku ijana cy'inyungu ku mutungo.

Benjamin Mutimura, Umuyobozi Mukuru wa I&M Bank Rwanda, yavuze ati "Imikorere yacu mu 2024 igaragaza intsinzi ya gahunda ya iMara 3.0. Twahujije ibikorwa byacu n'intego z'ubukungu bw'u Rwanda, tunibanda ku kunyura abakiriya."

Mu gihe cyasuzumwe, inguzanyo zatanzwe n'iyi banki zazamutse ku kigero cya 14 ku ijana zigera kuri Miliyari 356 Frw, bitewe ahanini n'itangizwa ry'ibicuruzwa bishya mu bucuruzi bw'imari buciriritse n'ubw'abacuruzi bato (MSME) no mu bucuruzi bw'imari bw'abaguzi, harimo icyo bita "Agiserera", ikigo cy'imari gitanga inguzanyo ku bikoresho by'ibanze, na "Karame" – gahunda ihindura byinshi igamije guha abakiriya bo ku rwego rw'abaguzi serivisi z'imari zihuse kandi zitangwa amasaha yose.

Ku rundi ruhande, amafaranga abakiriya bashyize muri banki yazamutse ku kigero cya 22 ku ijana agera kuri Miliyari 659 Frw bitarenze Ukuboza 2024. Umubare w'abakiriya ba banki wiyongereye ugera ku barenga 100.000, bitewe no gufungura amashami mashya atanu mu bice bitandukanye.

Raporo y'imari igaragaza ko amafaranga banki yinjiza atava mu nyungu na yo yazamutse ku kigero cya 40 ku ijana, ibyo abayobozi ba banki bavuga ko byagezweho bashora amafaranga arenze ku mutungo utanga inyungu nyinshi, mu gihe amafaranga yinjizwa n'amafaranga y'ubukomisiyo (Net Fees and Commissions) yazamutse ku kigero cya 86 ku ijana, bikomoka ku bisubizo bishya by'ikoranabuhanga.

Gukoresha inzira z'ikoranabuhanga byakozwe ku kigero cya 88 ku ijana by'ibikorwa byose by'imari, aho 83 ku ijana by'abakiriya bakoresha serivisi z'ikoranabuhanga ku buryo bwa buri munsi.

Ku bijyanye n'imikorere inoze, amafaranga banki ikoresha mu bikorwa byayo yazamutse ku kigero cya 14 ku ijana. Ibi, bihujwe no kugenzura izamuka ry'andi mafaranga y'ibikorwa ku kigero cya 10 ku ijana, byatumye igipimo cy'amafaranga ikoresha ugereranyije n'amafaranga yinjiza kigera kuri 51,2 ku ijana.

Umutungo w'abanyamigabane nawo wongerewe n'izamuka ry'ingana na 30 ku ijana ry'inyungu zagumyeho, zigera kuri Miliyari 72 Frw, bityo, inama y'ubuyobozi yasabye ko hatangwa inyungu ku mugabane wa Frw 2,46 ku mugabane, ikaba ingana n'izamuka rya 74 ku ijana ugereranyije n'umwaka ushize.

Biteganyijwe ko izemezwa mu nama rusange ngarukamwaka ya banki iteganyijwe mu Gicurasi 2025.

Usibye imikorere y'imari, Mutimura yagaragaje ko gahunda y'iterambere rirambye ya banki yateye imbere binyuze mu bikorwa bitandukanye byagezeho ku buzima bw'abarenga 620.000, ndetse n'intambwe banki iteye yerekeza ku kuba banki idakoresha impapuro, intego ikaba ari ukubigeraho mu gihe cyo kurangiza icyiciro cya gahunda y'ingamba iriho ubu.

Mu gihe kiri imbere, yavuze ati: "Tuzakomeza gushimangira imikoranire n'abakiriya, guteza imbere serivisi z'imari zirambye, no kunoza urusobe rwacu rw'ikoranabuhanga. Ubwitange bwacu mu iterambere rirambye, mu bufatanye bw'ingamba, no mu guhanga udushya bizatuma dukomeza gutsinda, no mu gihe ubukungu buhinduka."

I&M Bank yahawe igihembo cya Banki nziza mu Rwanda ndetse na Banki nziza y'imari buciriritse mu Rwanda na CFI na Global Finance mu mwaka wa 2024.