• Inyungu kuri buri mugabane yazamutseho 13%, igera 10,4 y’amashilingi ya Kenya.
• Inyungu mu gihembwe cya gatatu nyuma yo kwishyura umusoro, yageze kuri 13% iba miliyari 40,9 z’amashilingi ya Kenya.
• Amafaranga abitswa n’abakiliya yazamutseho 9% agera kuri miliyari 1300 z’amashilingi ya Kenya.
• Ubucuruzi bwo mu karere bwagize uruhare rungana na 48% by’umutungo rusange na 51% by’inyungu mbere yo kwishyura umusoro.
• Umutungo rusange warazamutse ugera ku mashilingi ya Kenya miliyari 1700.

NAIROBI, ku wa 12 Ugushyingo 2024: Uretse imbogamizi nk’ibipimo bihanitse by’inyungu n’ihindagurika ry’ibipimo by’ivunjisha ku masoko  ikoreraho, Equity Group Holdings Plc (EGH) ikomeje kugaragaza ubudatezuka, aho ubucuruzi bwo mu karere bwagize uruhare rwa 51% by’inyungu, mbere yo kwishyura imisoro na 48% by’umutungo wose byageze kuri miliyari 1700 z’amashilingi ya Kenya hagendewe ku mibare y’uko byari bihagaze ku wa 30 Nzeri, 2024.

 Brand Finance yashyize Ikigo cyacu ku ruhembe rwa Afurika mu by’imari no ku mwanya wa kabiri ku Isi mu bigo bikomeye mu by’amabanki, bijyanye n’ikivugo cyacu kigira kiti “Tuzamukire Hamwe mu Cyizere”, ibituma amafaranga abitswa n’inyungu zizanwa na yo byarazamutseho 9% ku mwaka akagera kuri miliyari 1300 z’Amashilingi ya Kenya mu gihe abakiliya bacu bageze kuri miliyoni 31,3.

Uku kwiyongera kw’amafaranga abitswa byagejeje ku izamuka rya 12% mu mafaranga dufite kashi n’imitungo ishobora guhita ibyara amafaranga vuba, bingana na miliyari 295.5 z’amashilingi ya Kenya, ndetse n’imitungo tugura hagamijwe ishoramari yazamutseho miliyari 468 z’amashilingi ya Kenya, bituma imitungo dushobora kubyazamo kashi izamukaho 55%.

Mu gihe cyo gutangaza ibyavuye mu gihembwe cya gatatu, Umuyobozi Mukuru wa Equity Holdings Plc., Dr. James Mwangi yagize ati “Dufite icyizere ko amafaranga n’imitungo twabonye byadushyize mu mwanya mwiza wo gufasha abakiliya bacu na cyane ko ubukungu ku masoko y’ingenzi bwatangiye kuzamuka, ibigaragazwa n’igabanuka ry’inyungu fatizo ishyirwaho na Banki Nkuiru y’Igihugu mu bihugu dukoreramo. Hamwe n’ubwiyongere bw’amikoro, Ikigo cyakomeje kuzamura ubushobozi kigabanya imyenda ku buryo cyagabanyije inguzanyo zihanitse z’igihe kirekire zigabanyukaho miliyari 137,6 z’amashilingi ya Kenya.

Amafaranga y’abanyamigabane yazamutseho 17% agera kuri miliyari  227 z’amashilingi ya Kenya, ibyatumye Ikigo kigira ubushobozi bwo gufasha Africa Resilience and Recovery Plan (ARRP). Uku kwiyongera byanafashije ikigo mu ishoramari rishya mu bijyanye n’Ubwishingizi kinagira ubushobozi bwo kuba cyabyaza umudaruro amahirwe ayo ari yo yose y’isoko.

Ikigo cyongereye ibyo cyinjiza ku buryo inyungu aho inyungu yazamutseho 13% ikagera kuri miliyari 125,9 z’amashilingi ya Kenya ivuye kuri miliyari 111,1 z’amashilingi ya Kenya nubwo habayeho imbogamizi zirimo itakazagaciro k’ifaranga no kugabanyuka kw’ibipimo by’inyungu ku nguzanyo.

Amafaranga y’inyungu zishyurwa abakiliya yazamutse ku kigero cya 18% agera kuri miliyari 45,5 z’amashilingi ya Kenya. Avuye kuri miliyari 28,5 z’amashilingi ya Kenya. Amafaranga yinjira hatarimo ukuboko kw’abaterankunga, yarazamutseho miliyari ebyiri z’amashilingi ya Kenya, ku buryo amafaranga yinjira muri rusange yazamutseho 8% aho yabaye miliyari 138,9 z’amashilingi ya Kenya, avuye kuri miliyari 128,9 z’amashilingi ya Kenya.

Ingamba z’Ikigo zo kwaguka mu karere no kongera serivisi, ziri kugenda neza aho amashami ya Kenya ubu ageze ku kigero cyo kwinjiza 47% bivuye kuiri 52% mu bihe byashize. Mu gihe ibikorwa by’ubucuruzi bikomeje kwagukira muri Repubulika Iharanira Demokarasi ya Congo hamwe no guhuzwa kwa Cogebanque mu Rwanda, ibyatumye amashami atangirwaho inguzanyo igera kuri 4% ivuye kuri 46% mu 2023, inguzanyo zavuyemo inyungu ingana na 47% nyuma yo kwishyura imisoro.

Ibibazo ubukungu bw’Isi bwahuye na byo, byatumye ikigo gikomeza inzira y’ubwitonzi n’ubushishozi mu guhangana n’ibibazo ku buryo cyabashije guteganya amafaranga angana na miliyari 12,7 z’amashilingi ya Kenya yo kwishyura igihombo cy’inguzanyo gishobora kuba cyabaho. Ibi byatumye umubare w’inguzanyo zitinda kwishyurwa n’izitishyurwa ziteganyirizwa ku rugero rwa 67% aho muri Equity ibyo bibazo biri ku rugero rwa 13,4%, imibare iri hasi ugereranyije n’uko biri muri rusange mu rwego rw’amabanki kuko ho biri ku gipimo cya 16,7%.

Imiyoborere ikomeye y’Ikigo, yatumye gikomeza gutera intambwe ifatika ku buryo kiba cyiteguye guhangana n’ibibazo by’ubukungu ari na ko gikomeza gushyira ingufu mu iterambere rirambye. Ikigo cyakomeje gukora ishoramari mu guteza imbere ikoranabuhanga ryacyo na cyane ko ibibazo by’itakazagaciro k’ifaranga byatumye ibyo gisohora bizamuka ku rugero rwa 19%.

Mu gihe cy’amezi icyenda, Ikigo cyagize inyungu ingana na miliyari 40,9 z’amashilingi ya Kenya bigaragaza izamuka rya 13% umwaka ku wundi, aho inyungu ku mugabane yazamutseho amashilingi ya Kenya 10,4 ivuye ku mashilingi ya Kenya 9,2. Amashami yo mu karere yagize uruhare rwa 51% by’inyungu muri icyo gihe. Imikorere ihambaye y’Ikigo iri guterwa n’imari shingiro ihagije kimwe n’amafaranga yakoreshwa mu gihe habaho ibibazo arimo angana na 15,9% by’abanyamigabane na 18,3% muri rusange kandi ibyo byombi bikaba birengeje ibipimo bisabwa ari byo 10,5% na 14.5%.

Dr. Mwangi yagize ati “Twishimiye amikoro y’ingoboka dufite, imari shingiro, ndetse n’amafaranga twakoresha mu gihe habayeho gutinda kwishyura cyangwa kutishyura imyenda mu gihe kandi Ikigo gikomeje kuzamura uko ishoramari ryacyo ryinjiza ku rugero rwa 24,5% mu gihe uburyo bw’imicungire n’imikoreshereze y’umutungo kugira ngo ubashe kubyara inyungu byo biri ku rugero rwa 3,1%.

Nyuma y’impinduka muri uru rwego rw’amabanki, EGH yagaragaje ubwishingizi nk’ingenzi mu kugira uruhare mu iterambere ry’ubukungu bw’abaturage binyuze mu guteza imbere ubucuruzi butekanye bw’abantu ku giti cyabo. Ikigo giherutse guhabwa uruhushya rwo gutanga serivis z’ubwishingizi rusange bw’imitungo, rwiyongera ku ruhushya rwo gutanga serivisi z’ubwishingizi bw’ubuzima.

Ibi biha ububasha EGH bwo gutanga serivisi z’imari zuzuye ku bindi bigo, ku mishinga mito n’iciriritse no ku bakiliya binyuze mu gutanga ibisubizo by’ubwishingizi bikenewe ku bakiliya byaba iby’ubuzima, kwivuza, n’ubwishingizi bw’umutungo bigizwemo uruhare na serivisi Ikigo gitanga.

Equity Life Assurance Kenya (ELAK), agashami k’Ikigo kasuzumwe bwa mbere, kageze ku gipimo cya 181% ku mwaka mu kugera ku nshingano aho kageze kuri miliyari 1,07 z’amashilingi ya Kenya bivuye muri miliyoni 381 z’amashilingi ya Kenya mu gihe nk’iki umwaka ushize.

ELAK ifite impuzandengo ya 141%, kigaragaza ubushobozi bukomeye bw’ubucuruzi bwo kuzuza inshingano zayo ku bakiriya. Kubera ko inyungu ku mitungo ingana na 4.6% n’inyungu ku mitungo bwite ingana na 57.8%, ELAK ikomeje gutanga umusanzu mwiza ku musaruro w’Ikigo.

Binyuze mu kwifashisha ingamba z’’ubufatanye n’ubushobozi mu by’amabanki, ubuvuzi, gukwirakwiza serivisi dutanga, ibigo bito n’ibiciriritse, ubuhinzi n’ikoranabuhanga, Ikigo kigamije guhoza umukiliya ku isonga, ikoranabuhanga mbere rikaba ku ruhembe hamwe na serivisi ziboneye kandi zigera ku bakiliya bacu babarirwa muri za miliyoni hagamijwe ku bafasha kugera ku ntego zabo.

Urubuga rwagutse rwa EGH, hamwe n’umubare munini w’aba-agent n’abacuruzi basaga miliyoni 1,1 ikomeje kugira uruhare rugaragara muri gahunda yo gukwirakwiza ubwishingizi mu byiciro byose by’abakiriya binyuze mu kuborohereza kubona no guhabwa serivisi. Kugeza ku wa 30 Nzeri 2024, Ikigo cyari kimaze gutanga amasezerano y’ubwishingizi arenga miliyoni 13.2 kandi kimaze guha serivisi abakiriya batandukanye bagera kuri miliyoni 5,8 bakenera serivis z’ubwishingizi bw’ubuzima n’iz’ubwiteganyirize. 

 Impinduka y’Ikigo irangajwe imbere n’ikoranabuhanga aho yibanda kuri gahunda ya One Equity, ituma abakiliya bifashisha babasha kwiha serivisi mu buryo bworoshye bushingiye ku bwisanzure bwo guhitamo umuyoboro bifuza.

Imiyoboro y’ikoranabuhanga ni yo yihariye 86% by’ibikorwa byo guhanahana amafaranga, imiyoboro y’ikigo ikora 8% by’ibikorwa mu gihe ATM, serivis zitangwa n’abacuruzi dukorana hamwe n’amashami yacu  buri kimwe kigira 2% by’ibyo bikorwa byo guhanahana amafaranga. Ikigo kandi cyashyizeho Ihuriro Rusange rya serivizi zacyo aho ushobora kubonera serivisi zose z’imari.

Ikigo cyubatse izina ryubashywe ku buryo cyabaye kimwe mu rifite agaciro gakomeye ku Isoko ry’Imari n’Imigabane rya Nairobi (NSE) ndetse n’izina riri  ku isonga mu by’amabanki akomeye ku mugabane wa Afurika. Equity Group Foundation yakomeje gushishikariza urubyiruko kwimenyereza, kuzamura ubumenyi no kurwongerera ubushobozi mu by’ ubukungu.

Muri gahunda y’Iterambere ry’Uburezi n’Imiyoborere, EGH yafashije kwiga abagera ku 113 basoje amasomo muri muri Gahunda ya Equity Leaders (ELP) bo mu bihugu bya Kenya, u Rwanda, Uganda na Repubulika Iharanira Demokarasi ya Congo aho bahawe buruse ikubiyemo ibikenerwa byose kugira ngo babashe kwiga muri za kaminuza zitandukanye hirya no hino ku Isi. Miliyari 2,8 z’amashilingi ya Kenya (miliyoni 2,7 z’amadolari ya Amerika) ni yo yatanzwe ngo abanyeshuri 13 babashe kwiga muri Kaminuza za Ivy League, bituma umubare w’abanyeshuri bose bafashijwe muri gahunda ya Equity Leaders muri Ivy League ugera kuri 204.

Umubare w’abanyeshuri bose bafashijwe kwiga muri kaminuza zo hirya no hino ku Isi binyuze muri iyi gahunda, ni 970. Byongeye kandi, abanyeshuri 3979 bafashijwe kwiga bahabwa ibikenerwa byose kugira ngo bige mu mashuri y’imyuga n’ubumenyi ngiro (TVET).

Mu gihe ubukungu butari buhagaze neza, Umuryango Equity Group Foundation watangije gahunda zo kubaka ubushobozi bw’Imishinga Mito n’Iciriritse igera ku 596.773 (MSME) yahawe amahugurwa ku kwihangira umurimo, aho hashowemo amashilingi ya Kenya agera kuri miliyari 323,3 zatanzwe ku Mishinga Mito n’Iciriritse 315.225 muri gahunda ya Young Africa Works. Iyi gahunda igamije guhanga imirimo ku rubyiruko.

Umusaruro w’Ikigo ukomeje kugaragara mu bikorwa byo guhangana n’imihindagurikire y’ibihe, aho Ikigo Mpuzamahanga cy’Imari (IFC) cyemeje ko Equity ari cyo kigo cyashoye amafaranga menshi mu bikorwa byinshi bigamije guhangana n’imihindagurikire y’ibihe, aho byinshi muri byo byari mu bijyanye n’ubuhinzi bubungabunga ibidukikije. Ikigo kandi cyakoranye na Microsoft hamwe na Mastercard Corporation mui gufasha abakiliya barenga miliyoni 30 kugira ngo babashe gukora ubuhinzi bwifashisha ikoranabuhanga binyuze muri Community Pass Initiative, washyizwe mu bikorwa hagamijwe ko Abantu bagera ku Bukungu bushingiye ku Ikoranabuhanga  (MADE) aho Equity yabyinjiyemo nk’umufatanyabikorwa wa mbere muri Afurika.

Equity Bank yiyemeje gukomeza gufasha abakiliya bose no guteza imbere serivisi za banki zibonwamo na bose aho yasinyanye amasezerano yo gufasha impunzi n’imiryango migari yazakiriye kugira ngo babe abanyamuryango ba sosiyete bafite ubushobozi hamwe na IFC ndetse n’amasezerano y’akarere ka Afurika na UNHCR yo gufasha impunzi kugira kugera ku ntego zazo bwite zo kuba ba kwihangira imirimo. Byongeye kandi, Equity Group Foundation na yo yinjiye mu masezerano y’isi yose yo gushyigikira abahinzi bato kuva mu buhinzi bwo kwibeshaho bakajya mu buhinzi burambye.

Mu rwego rwo gushyigikira ubufatanye n’ishoramari by’abaturage b’abadiyasipora ku mugabane, Ikigo cyashyize umukono ku masezerano yo kwagura ubufatanye na ZEPZ, ikoresha apurikasiyo ya Sendwave na Worldremit mu rwego rwo kwagura ibikorwa byo kohererezanya amafaranga ku badiyasipora binyuze mu miyoboro y’ikoranabuhanga za Equity.

Mu gihembwe kiri gusuzumwa, Ikigo cyashyize ahagaragara Raporo y’Iterambere Rirambye ya 2023 ishimangira ko yiyemeje guharanira iterambere rirambye binyuze mu kunoza ingamba zayo yimakaza imiterere y’imibereho myiza, ubukungu, no kubungabunga ibidukikije n’ibidukikije byose biganisha ku ngamba z’ubushabitsi burambye.

Dr. Mwangi yagize ati “Nubwo Equity Group ikorera mu bihe bigoye, ikomeje gushyira imbaraga mu bikorwa birambye. Raporo yacu iherutse gushyirwa ahagaragara, yerekana uburyo bw’imikorere y’Ikigo mu kubungabunga ibidukikije. Nka kimwe mu bya mbere byakiriye ishami rya Taskforce for Nature-related Financial Disclosures (TNFD) muri Afurika, ndetse na Africa Natural Capital Alliance (ANCA), ntikibanda gusa ku gushaka ibisubizo birambye ku bakiriya, ahubwo kinashyigikira byimazeyo gusubiza ubuzima ibidukikije, aho cyageze ku ntambwe ifatika yo gutera ibiti miliyoni 30.

Byongeye kandi, Equity Bank ikomeje kuba ku isonga mu bijyanye no gushyira amafaranga mu bikorwa bigamije guhangana n’imihindagurikire y’ibihe aho yatanze miliyoni zisaga 200 z’amadolari ya Amerika mu mishinga igamije kubungabunga ikirere.