Iterambere ry’ibindi bikorwa byatewe n’amafaranga menshi yo guhindura imishinga kugira ngo habeho guhanga udushya n’ikoranabuhanga mu guhindura imibare no kwitegura ubucuruzi ku rwego rukurikira rw’iterambere, ndetse n’ingaruka zo kuzamuka kw’ifaranga no guta agaciro kw’ifaranga. Kwiyongera kw’ibiciro by’abakozi byagaragaje gushimangira intebe y’ubuyobozi bijyanye no kuzamuka mu bunini, ubunini, no gutezimbere ubucuruzi bwahinduwe. Abakozi 33% biyongereyeho ibiciro na 42% byiyongera mubindi bikorwa byakoreshwaga hamwe kugirango bazamure ibiciro byinjira kuri 49.1% bivuye kuri 45.3%. Nubwo izamuka ryibiciro biriho hamwe nishoramari rikomeje guhinduka mubucuruzi, hariho amahirwe yo kwibanda ku kuzamura ibiciro, gukurikirana neza no kongera umusaruro kugirango ushimangire agaciro, digitifike no guhindura ubucuruzi bizaganisha ku gukora neza mu itsinda.

Kwiyongera gutanga igihombo cyinguzanyo ya 127% kuri Kshs. Miliyari 3.1 ziva kuri Kshs.1.4 miliyari 1.4 yazamuye ikiguzi cyibyago bigera kuri 1.9% bivuye kuri 1,2% kandi byatewe no kwangirika gake muri NPL kugera kuri 9.1% bivuye kuri 8.65%. Amavu n’amavuko y’ibidukikije by’ubukungu byaranzwe n’ifaranga rikomeye, inyungu nyinshi ndetse no guta agaciro kwa shilingi ya Kenya ku madorari y’Amerika byagaragaje ko hakenewe ubwitonzi n’ubushishozi mu gutanga.

Nubwo ibidukikije bikora bitoroshye, ingamba zibabaje zatumye ubwiyongere bwa 21% mumitungo yose hamwe na 23% byiyongera mububiko bwabakiriya, bishimangira isura nziza yerekana ibicuruzwa binyuze mubushoramari bukomeye. Ibyo byibanze ku kwinjiza amafaranga no guhugura ba rwiyemezamirimo, ishoramari mu baturage bakira aho impunzi ziba, kongerera ubushobozi mu buhinzi no kubona ubuvuzi buhendutse mu gihe bashyigikira imiyoboro y’ubwiteganyirize bw’abaturage batishoboye nk’impunzi, impfubyi, abasaza n’abafite ubumuga; no kuyobora ibikorwa birambye byibidukikije n’imibereho myiza yabaturage na societe.

Equity Group Foundation, imbaraga zacu na moteri yacu ifite intiti 40.000 mumashuri yisumbuye hagati ya Form 1 na 4 kuri bourse yuzuye kandi yuzuye ikubiyemo amafaranga yishuri, imyenda, amafaranga yumufuka, ubwikorezi, guhaha, hamwe nubuvuzi. Abahinzi miliyoni 3.87 batewe inkunga yo kuva mu buhinzi bw’abahinzi bajya mu bucuruzi bw’ubuhinzi. Ingo miliyoni 4.89 zatewe inkunga yo guhora zishyurwa n’imibereho isanzwe n’amafaranga yo koroshya ibibazo by’ubuzima mu gihe hafunguwe ibigo nderabuzima 81 bya Equity Afia kugira ngo bikemure ibibazo by’ubuzima bw’abaturage babakiriye batanga serivisi z’ubuvuzi zihendutse kandi bitabiriye abarwayi barenga miliyoni 1.48. Hatewe ibiti miliyoni 21.8 nk’umusanzu wa Equity mu koroshya imihindagurikire y’ibidukikije mu gihe ingo 386.120 zahawe ibikoresho by’ingufu zisukuye kandi zishobora kuvugururwa n’ibikoresho byo mu rugo ndetse n’inkunga y’amashuri yo kuva mu gikoni gikomoka ku biti bikomoka ku biti bikagera ku bisubizo bitanga ingufu nk’ibicanwa bya LPG. 432.242 urubyiruko n’abagore bahuguwe kandi baterwa inkunga muri gahunda ya Young Africa Work Work kugirango batangire ubucuruzi butanga akazi ku rubyiruko miliyoni 1.3.

Ingamba zo kwirwanaho zashyize itsinda mu buryo budasubirwaho kugira ngo bungukirwe no gukira ibidukikije bya COVID- 19, guhindura imibare no guhangana n’ibibazo by’ibidukikije byifashe nabi. Itsinda ryishimira impapuro zirinda umutekano kandi zirangwa no gutwarwa n’amafaranga menshi afite amafaranga yiyongereyeho 55% agera kuri Kshs.258.4 bivuye kuri Kshs.166.4 bigizwe na 17% by’umutungo wose w’amatsinda. Impapuro za leta n’amafaranga yiyongera kuri Kshs.650.9 bigizwe na 43% yumubare wuzuye witsinda.

Itsinda ryanditseho igipimo cya 9.1% NPL, ugereranije neza ninganda NPL igereranyo cya 14%. NPL ikwirakwizwa na 88%, inguzanyo yo kubitsa ingana na 68.1% naho umuvuduko wa 51.5% imyanya irinda Itsinda. Nubwo imyanya ikomeye yo kwirwanaho, Itsinda rikomeje gutanga inyungu zipiganwa kubanyamigabane hamwe ninyungu zingana (ROAE) zihagaze kuri 27.5%, ziva kuri 27.4% no kugaruka kumitungo mpuzandengo (ROAA) ikomeye kuri 3.5%. Baffers bashoramari bakomeje kuba benshi nkuko imari shingiro yibintu byose bifite ingaruka zingana na 15.5% ugereranije nibisabwa byibuze 10.5% naho imari shingiro yose kumitungo iremereye ishobora kuba 19.8% ugereranije nibisabwa byibuze 14.5%.

Ibipimo ngenderwaho by’imari ntabwo byerekana itsinda gusa, ahubwo birayiha ibikoresho nubushobozi bwo guhatanira gushyira mu bikorwa hamwe n’ubuyobozi bw’isoko rihatanira amasoko bitwaje impapuro zingana kandi zifite imbaraga n’ubukungu n’imibereho myiza:

• 17% by’umutungo wose ni amafaranga
• 43% by’umutungo wose ni amafaranga n’impapuro za leta
• 88% NPL Igipfukisho ukurikije ibiteganijwe
• Inguzanyo ya 1% yo kubitsa
• 5% Amazi
• 8% Igishoro kinini kuri rusange ibyago bifite uburemere bwumutungo.

Equity’s cash cash and liquidity position, imbaraga zikomeye zo gukura no gukora, zikomeye