Itsinda rya Equity Bank ishoramari muri Ict no kwibanda kuri Sme Yongera inyungu ku 11% muri 2013

Ishoramari rya Equity Bank Group muri IT, kwiyongera mu mubare w’abakiriya no kuzamura amashami kugira ngo harebwe igice cy’ibigo bito n’ibiciriritse byiyongera byazamuye inyungu za 2013 mbere y’imisoro ku gipimo cya 11 ku ijana kugeza kuri Kshs miliyari 19.15 ziva kuri Kshs miliyari 17.29 umwaka ushize. Igiciro ku kigereranyo cy’amafaranga cyaragabanutse kugera kuri 48.5% muri 2013 naho NPLs yagabanutse muri Q4 nubwo ibidukikije bigoye. Igiciro cyo gutanga inguzanyo cyagabanutseho 800bps muri Gicurasi 2013. Sudani yepfo ihura n’ikibazo. Nubwo hari ibibazo, Itsinda ryabyaye ROE ya 28% yumwaka na 35% muri Q4 yonyine.

Banki yashimangiye umwanya wambere w’isoko mu kuzamura abakiriya bayo ku barenga 600.000 kugeza kuri miliyoni 8.4 ndetse no kongera imiyoboro yabakozi igera ku 10.260 kuva kuri 6.300 muri 2012. Amafaranga yatanzwe n’abakiriya yiyongereyeho 16 ku ijana agera kuri miliyari 194.8 ziva kuri Kshs 165.81 miliyari muri 2012. Inguzanyo n’iterambere ry’abakiriya byiyongereyeho 26% bigera kuri miliyari 171.36 ziva kuri Kshs 135.6.

Itsinda ryinjiza ryiyongereyeho 14% kugera kuri Kshs miliyari 41.86 ziva kuri Kshs miliyari 36.83 mu mwaka wa 2012. Kubera icyemezo cy’ingamba zo gusezerera amafaranga yabikijwe mu ntangiriro z’umwaka wa 2013, amafaranga y’inyungu ya Banki yagabanutseho 22% kuva kuri miliyari 6.8 muri 2012 agera kuri miliyari 5.3 muri 2013. Amafaranga yinjira mu nyungu yiyongereyeho 20 ku ijana muri Kshs miliyari 15.37 ziva kuri Kshs zingana na miliyari 12.86 muri 2012. ibicuruzwa byinshi no kuzamuka kwivunjisha biva mu bucuruzi buciriritse.

Mu gihembwe gishize cya 2013 Banki yatangaje ubufatanye na American Express aho Equity Bank yatangiye kugura abacuruzi ku muyoboro wa American Express (AMEX) muri Kenya, Tanzaniya na Uganda. Equity Bank izakomeza guteza imbere udushya tugamije gukurura amafaranga yoherejwe na Diaspora, ubucuruzi ku isi, amabanki y’ibigo, urwego ruciriritse na Bancassurance.Igitabo cy’inguzanyo ziciriritse cyiyongereyeho 28% mu gihe umuyoboro w’ikigo wiyongereyeho 55%, ubucuruzi bw’abacuruzi no gutunganya ubwishyu bwiyongereyeho 47% mu gihe amafaranga yoherejwe na Diaspora yiyongereyeho 36%.

Itsinda ryigiciro cyumubare winjiza ryaragabanutse kugera kuri 48.5% nubwo ishoramari ryinshi murubuga rwa IT hamwe numuyoboro wamashami kugirango ushyigikire imishinga mito n’iciriritse. Itsinda rya Equity Bank hamwe na IBM, Oracle, Infosys Technology na Way 4 Itumanaho riherutse gushyira ahagaragara iyimuka ryayo rishya ry’itsinda rikomeye rya IT rizafasha Banki gutangiza ibicuruzwa by’ikoranabuhanga bizaza bitanga imikorere yuzuye mu bucuruzi no kuzamura uburambe bw’abakiriya. Itsinda ryazamuye porogaramu nkuru y’amabanki kuva muri Finacle v7 kugeza kuri Finacle v10 ubu ryemerera amafaranga menshi n’ibicuruzwa byinshi mu bihugu ndetse n’ubushobozi bwo gukoresha inzira zitandukanye zo kwishyura.

Itsinda rya Equity Bank, Umuyobozi mukuru, Dr. James Mwangi yiteze ko ibiciro bizakomeza kugabanuka mu gihe giciriritse biturutse ku ishoramari muri banki zigendanwa n’ibigo, uburyo bwo kwishyura na ICT. Dr Mwangi yagize ati: “Turakomeza kwizera ko umuvuduko w’iterambere uzakomeza kubaho mu 2014 dushyigikiwe n’ibidukikije bihamye ndetse n’ubushoramari banki yashyize mu bikorwa bya ICT, banki zigendanwa n’ibigo ndetse no kuzamuka mu nshingano za SME”.

Inyungu z’itsinda nyuma y’umusoro ziyongereyeho 10 ku ijana kugeza kuri Kshs miliyari 13.28 ziva kuri Kshs miliyari 12.08 umwaka ushize. Imikorere ya Q2 na Q3 yagize ingaruka ku igabanuka ry’igipimo cy’inguzanyo cya Base ya Equity Bank ku manota magana inani kuva kuri 25% ikagera kuri 17% muri Gicurasi 2013. Q4 yasubiye mu buzima busanzwe hamwe n’iterambere rya 73% mu nyungu ugereranije n’inyungu za Q3. Ubumuga bwa Kshs miliyari 0.7 bwakorewe muri iryo tsinda kubera kwiyongera gushidikanya muri Sudani yepfo. Umwanya wa NPL wa banki watangiye kugabanuka.

Impapuro zingana na Banki ya Equity Bank ikomeje gukomera hamwe n’icyiciro cya mbere cya 14,6% (18,6% ishaje ya P.G) hamwe n’ikigereranyo cya 34%, kiri hejuru y’ibisabwa n’amategeko.

Mu rwego rwo kwerekana icyizere mu mbaraga z’imiterere y’imari ya Banki no gukomeza gutera imbere, Inama y’Ubutegetsi yasabye ko hagabanywa Ksh1.50 kuri buri mugabane uva kuri Ksh1.25 ku kwishyura ku mugabane wakozwe mu 2012, kuzamuka kwa 20%.

Banki iteganya ko umusanzu w’ikigo cy’ubwishingizi, Tanzaniya, u Rwanda na Uganda bifasha gutera imbere ku buryo bugaragara ndetse na Sudani y’Amajyepfo igahagarara neza.

Dr. Mwangi yagize ati: “Itangwa rya Eurobond mu 2014 rizatuma leta igabanya inguzanyo mu gihugu bityo bigatuma banki zitanga inguzanyo ku bikorera.”

Share

Share This File

×

Link copied to clipboard.

Copy

Download

Email