Equity Bank yibanze ku guhanga udushya Yongera igice cya mbere cyumwaka wa 2013

Itsinda ry’amabanki yo mu karere, Banki ya Equity yagabanije igipimo cy’inyungu kuri 700 bps kuva kuri 25% ikagera kuri 18% byatanze umusaruro mu kongera igitabo cy’inguzanyo cya miliyari 11 kugeza kuri Kshs miliyari 150 ziva kuri Kshs miliyari 139 mu gihembwe cya mbere 2013 bituma izamuka rya 21% mu mwaka ku mwaka.

Kugabanuka kwinshi kwinyungu byongereye abakiriya ubushobozi bwo gutanga inguzanyo zabo bituma habaho kuzamura ireme ryigitabo cyinguzanyo gifite igipimo cya NPL gihamye ugereranije nigihembwe cya mbere 2013 nubwo hari ibibazo byubukungu bwihuse.

Ubwiyongere bw’igitabo cy’inguzanyo bwishyuye igipimo cy’inyungu cyagabanutse bigatuma igabanuka rito ry’umusanzu w’inyungu ku nyungu rusange ku gipimo cya 3% kuva kuri 67% kugeza kuri 64% mu gihembwe.

Kwibanda ku Kigo cy’amabanki hamwe n’ibikorwa byinshi by’ingamba ku bucuruzi bw’abacuruzi, gutunganya ubwishyu no korohereza inyungu byatumye ubwiyongere bw’amafaranga yabikijwe bwiyongera ku gipimo cya 20% kugeza kuri Miliyari 187 Kshs nko ku ya 30 Kamena 2013 kuva kuri Kshs miliyari 155.7 nko ku ya 30 Kamena 2012. Ubwiyongere bwihuse bw’amafaranga yabikijwe bwafashije kuzamura igipimo cy’amazi kugera kuri 41% by’impapuro zuzuye hamwe n’impapuro za Leta ziyongereyeho 39%. Umubare w’abakiriya wiyongereye kugera kuri miliyoni 8.3 ukomeza Equity nka banki nini ku bakiriya ba Afurika. Ubworoherane bwa Agency Banking bwatumye umuyoboro ufata iyambere nkumuyoboro wogutanga wifuza kurenga imiyoboro isanzwe nka ATM hamwe nishami rirenga kuri konti. Umubare w’amafaranga yinjira yagabanutse uva kuri 50% ugera kuri 49% bitewe na gahunda yo gutezimbere imbere ndetse no kuzamuka kwa Banki y’Ikigo.

Muri rusange umutungo wa Banki ya Equity Bank wiyongereyeho 19 ku ijana mu gihe cyo gufunga Kshs miliyari 261.60 muri Kamena 2013 ugereranije na Miliyari Kshs 219.89 nko ku ya 30 Kamena 2012. Inguzanyo ndende ya banki yiyongereyeho 13 ku ijana igera kuri miliyari 25.6 ziva kuri Kshs miliyari 22.7 bivuye ku gipimo cyazamutse ku isi kuri banki.

Ibikorwa bya banki bigamije koroshya gutunganya ubwishyu nka Visa Yumuntu Yishyuye, Serivisi yo kubikuza kuri PayPal, Konti ishingiye ku kohereza amafaranga na Western Union, Moneygram, MasterCard World Wide iherutse gushyira ahagaragara ikoranabuhanga rya Mobile Point of Sales (MPOS) kandi PayPass yatumye amakarita yo kubitsa no kwishyura mbere ndetse n’ikarita ya BebaPay yinjiza amafaranga agera kuri 36% yinjira mu yandi yose yinjira mu mwaka wa 2012.

Ibikorwa bikomeje kwibandwaho mu guhanga udushya, ibiciro byubushishozi no gucunga ibyago byabonye inyungu nyuma y’imisoro yiyongereyeho 17 ku ijana mu gice cya mbere cy’umwaka wa 2013 ikagera kuri Kshs Miliyari 6.31 kuva kuri miliyari 5.40 zashyizwe mu gihe kimwe n’umwaka ushize. Ibi ni nubwo ubukungu bwifashe nabi mu matora yo muri Kenya, guhagarika ubucuruzi bwa peteroli muri Sudani yepfo n’ibibazo biterwa inkunga n’ingengo y’imari muri Uganda no mu Rwanda mu gice cyambere cy’iki gihe. Itsinda ryashyizeho inyungu mbere y’umusoro wa Kshs Miliyari 8.95 ziva kuri Ksh Miliyari 7.62 zashyizwe mu gihe cy’ubucuruzi nk’ubwo muri 2012.

Umuyobozi mukuru w’itsinda rya Equity Bank akaba n’umuyobozi mukuru, Dr. James Mwangi yagize icyo avuga ku byavuye mu bisubizo byatanzwe ku bashoramari, Dr. James Mwangi yavuze ko iyi banki izungukira ku bidukikije byateye imbere mu bukungu kandi ko iteganya gukomeza kwibanda ku guhanga udushya n’ikoranabuhanga, ibice bishya by’isoko, guhuriza hamwe ubucuruzi bw’akarere no kuzamura imiyoboro n’imiyoboro kugira ngo iterambere ryiyongere mu gice cya kabiri cy’umwaka.

Dr. Mwangi yagize ati: “Iterambere ry’ubucuruzi, itandukaniro ry’imishinga ya banki hamwe n’ubufatanye bw’isi ndetse n’ubufatanye bw’akarere, kwagura akarere no kongera umubare w’abakozi ba Banki ya Equity Bank bizatuma iterambere ryiyongera kandi banki yinjire ku isoko.”

Dr. Mwangi yavuze ko uruganda rwakomeje kwiyemeza ingamba ndende zo gukura mu rwego rwo gukomeza iterambere. Ati: “Banki izakomeza gushimangira imiterere yihariye y’ubucuruzi binyuze mu guhanga udushya, gukoresha ikoranabuhanga no gukoresha mudasobwa kugira ngo inararibonye nziza z’abakiriya”.

Amafaranga yinjira muri Equity Bank yiyongereyeho 15 ku ijana agera kuri Ksh 20.24 kuva kuri Miliyari 17.56, yashyizwe mu gihe nk’iki mu mwaka wa 2012 mu gihe amafaranga yakoreshejwe yose yazamutse agera kuri Miliyari 11.39 avuye kuri Ksh 10.00 mu gihe gisuzumwa, yiyongera 14%.

Banki ya Equity ihagaze neza binyuze mubufatanye bufatika kugirango yungukire ku mubare munini w’ubwishyu bugendanwa n’abacuruzi ku isoko ku giciro gito ugereranije n’ubucuruzi gakondo kandi muri byo harimo serivisi ishinzwe kwishyura ya Equity Bank iherutse kwishyurwa kugira ngo ikure amafaranga aboneka kuri konti ya PayPal kuri konti ya Equity bank; kwinjizamo vuba Visa Yumuntu ku giti cye: serivisi yo kohereza amafaranga, byihuse kandi bihendutse muri Afrika; n’ubufatanye bwa vuba hagati ya kaminuza ya Kenyatta, MasterCard WorldWide na Equity Bank gutangiza Ikarita ya Alumni University ya Kenyatta ikarita nshya yishyuwe mbere, PayPass card -koresha ikarita ituma abanyeshuri barangiza bagabanyirizwa ibiciro hamwe n’abafatanyabikorwa batoranijwe, guhera ku mahoteri, amaduka y’ibitabo n’ibitaro kugeza ku masosiyete y’ubwishingizi ndetse n’abatanga serivisi za telefone zigendanwa.

Nk’uko byatangajwe na The Banker Global Ranking Insight-Top 1000 banki zo ku isi 2013 zasohotse muri Nyakanga 2013, Banki ya Equity Bank yashyizwe ku mwanya wa 4 ku isi mu buryo bwo kohereza umutungo, No 12 mu bikorwa byo kohereza imari mu gihe kuri Soundness (Igipimo cy’imari shingiro) banki yashyizwe ku mwanya wa 94.

Equity Bank nayo iherutse gushyirwa ku rutonde rwa Banki nziza muri 2013 muri Kenya, Banki nziza yo mu cyiciro cya 1 n’abakiriya benshi mu bijyanye n’ubushobozi buke mu bushakashatsi bwakozwe mu isuzuma ry’inganda muri Kenya ryasohowe n’ikinyamakuru Think Business.

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