Ingamba zo Kwagura no Gutandukanya Uturere zitanga umusaruro nkuko Banki ya Equity yohereza 21% Kwiyongera

Isosiyete itanga serivisi z’imari mu karere Equity Bank Group yagarutse mu nzira gakondo yo gukura yandika ubwiyongere bwa 21% mu gihembwe cyayo cya mbere hagati y’ibikorwa bitoroshye.

Bitewe n’ubukungu bwifashe nabi ndetse n’ibibazo biterwa n’imirwano ya politiki iherutse kubera muri Sudani yepfo, inyungu ya Banki y’imigabane mbere y’imisoro mu gihembwe cya mbere 2014 yazamutseho 21% igera kuri miliyari 5.4 ziva kuri Ksh miliyari 4.5 zashyizwe mu gihe kimwe n’umwaka ushize.

Banki nayo yabonye inyungu 21% nyuma yumusoro wiyongereye kugera kuri miliyari 3.8 ziva kuri Ksh miliyari 3.2 zinjije mugihe kimwe cyumwaka ushize.

Umuyobozi mukuru w’itsinda ry’imigabane ya Equity Centre i Nairobi, mu kiganiro cy’abashoramari mu nama yabereye i Nairobi, Dr. James Mwangi, yatangaje ko afite icyizere ko imikorere ya Banki muri uyu mwaka izakomeza kuba nziza bitewe n’ingamba nshya z’ingamba zishimangira iterambere. Ibikorwa byibanze ni: kwibanda kuri SME; imiyoboro yo gutanga udushya nkibigo na banki zigendanwa; umucuruzi kubona ubucuruzi no gutunganya ubwishyu; diaspora gutunganya amabanki no kohereza amafaranga, kwagura akarere no gutandukana mubindi bikorwa byimari.

Mu gukomeza inyungu zayo, Dr. Mwangi yakomeje avuga ko ikigo cy’imari cyanditseho iterambere ryinshi mu bwiza bw’igitabo cy’inguzanyo cyaturutse ku bikorwa byatangijwe mu gihe runaka.

Kubitsa kw’abakiriya byiyongereyeho 18% kugera kuri miliyari 206 Ksh bivuye kuri miliyari 175 Ksh mu gihe umubare w’abakiriya wakomeje kwiyongera no gufunga igihembwe kuri miliyoni 8.7. Itsinda ryinjiza ryiyongereye kugera kuri miliyari 11.14 ziva kuri Ksh miliyari 10.2 zanditswe mugihe kimwe cyumwaka ushize. Amafaranga yose yakoreshejwe yagumye ahamye kuri Kshs. Miliyari 5.7 zerekana intsinzi ya banki mubikorwa byo gucunga ibiciro. Ikigereranyo cy’amafaranga yinjira cyiyongereye kugera kuri 48.7% kuva kuri 50% biterwa ahanini n’igabanuka ry’ingaruka ziva kuri 1.98% mu gihembwe cya 1 2013 kigera kuri 0,72% mu gihembwe gisuzumwa.

Bitewe ninshingano zikungahaye zishoramari zinyuranye, umutungo wa Equity Bank Group wiyongereye kugera kuri miliyari 295 ziva kuri KSh miliyari 252 zerekana 17% byiyongera kumwaka. Inguzanyo zingana ziyongereyeho 28% kuva kuri miliyari 140 Ksh kugera kuri miliyari 179 Ksh mu mpera zigihembwe cya mbere. Itsinda ryakomeje guha agaciro abashoramari bayo biyandikisha ku nyungu (ROE) ya 30.5% na Garuka ku mutungo (ROA) wa 5.4%.

Dr Mwangi yagize ati: “Turashishikarizwa kandi muri icyo gihe twicishijwe bugufi n’ibisubizo by’igihembwe cya mbere kivuga ku bijyanye no guhangana n’ibigo ndetse n’ingamba zagenze neza ku itsinda rya Equity Bank. Tutitaye ku biteganijwe mbere by’imikorere yihebye no kuzamuka kwa NPL, twishimiye ko abakiriya bacu ndetse n’ubukungu bw’igihugu bikomeje kwerekana imbaraga kandi bagatanga icyerekezo cyiza”.

Imbaraga za Banki zo gutandukanya ibicuruzwa na serivisi bikenerwa bikenerwa, yongeyeho ko binatanga umusaruro ku bakiriya ibihumbi n’ibihumbi by’abakiriya ba Equity Bank ubu bishimira ibintu byoroshye biranga amakarita ya ATM y’ishami ry’imodoka rya ATM hamwe n’ikoranabuhanga rya PayPass ryiyongera ku bisubizo bya banki bitishyuye.

Banki ishora imari muri banki zigendanwa n’ibigo, uburyo bwo kwishyura no kohereza amafaranga hamwe n’amafaranga yoherejwe na diaspora hamwe n’ingamba zo kugabanya amafaranga yakoreshejwe, Dr Mwangi yavuze ko bizakomeza gutanga umusanzu mu iterambere ryiza.

Dr Mwangi yagize ati: “Turizera cyane ko umuvuduko w’iterambere uzakomeza umwaka wose hamwe n’ibicuruzwa na serivisi bishya biteganijwe gushyirwa ahagaragara mu mezi ari imbere.”

Hamwe na software iheruka kuvugurura porogaramu ya banki kuva muri Finacle v7 ikagera kuri Finacle v10 hamwe n’amafaranga menshi yongerewe amafaranga hamwe n’ibihugu byinshi, Equity Bank ihagaze neza kugirango ikemure ibikorwa by’amabanki yo mu karere ndetse n’amahanga.

Iterambere kandi ritanga urubuga rukomeye rwo kurushaho kuzamura amabanki uburyo bwo kwishyura hamwe nuburyo bwo kwishyura harimo ubucuruzi mpuzamahanga bwamakarita yubucuruzi haba muburyo bwinguzanyo no kubikuza. Mu gihembwe gishize cya 2013 Banki yatangaje ubufatanye na Express Express y’Abanyamerika aho Equity Bank yatangiye kugura abacuruzi ku muyoboro wa American Express (AMEX) muri Kenya, Tanzaniya na Uganda mbere yo gutangira akarere mu byumweru biri imbere.

Mu gihembwe gishize, Equity Bank Kenya na VFX Financial PLC mu Bwongereza bafatanije gutangiza Equity Direct; igihe nyacyo, cyambuka umupaka, serivisi yo kohereza amafaranga menshi kuva mubwongereza muri Kenya. Serivisi ifasha abantu nabafatanyabikorwa mubwongereza kohereza amafaranga kuri konti iyo ari yo yose muri Equity Bank mu karere.

Banki ya Equity ibinyujije muri Equity Group Foundation mu rwego rwo gushora imari mu mibereho yayo yatanze 410 Wings To Fly intiti zikomeye mu mwaka wa 2013 Icyemezo cy’Amashuri Yisumbuye ya Kenya (KCSE) ikizamini cy’akazi ubwo binjiraga muri gahunda ya Equity African Leaders Program (EALP). Porogaramu kugeza ubu imaze kugirira akamaro intiti 1965 kuva yatangira mu 1998.

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