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Itsinda rya Equity Bank Mbere yo gusora Inyungu Yiyongereyeho 30%
05th Nov 2012
Itsinda rya Equity Bank ryakomeje kwamagana ihungabana ry’ubukungu kugira ngo rikomeze kwiyongera kandi ryiyongereyeho 30% mu nyungu zabanjirije imisoro mu gihe cyarangiye ku ya 30 Nzeri 2012.
Iri tsinda ryashyize ahagaragara inyungu za Kshs.11.8 ziva kuri Kshs.9 zabonye mu gihembwe cya gatatu cya 2011. Inyungu nyuma y’imisoro yiyongereye kuva kuri miliyari 7.29 igera kuri Kshs. Miliyari 8.3 mugihe nk’iki umwaka ushize. Ibi bisubizo bitangaje byagezweho nubwo bitoroshye ibidukikije byubukungu birangwa n’ifaranga ryinshi n’inyungu nyinshi mu gice cyiza cyumwaka.
Itsinda ryashyizeho igipimo cy’inyungu z’inguzanyo ku kigero cya 25%, mu gihe impuzandengo y’inguzanyo z’inganda z’amabanki zari hejuru ya 30%, zafashije kuzamura igitabo cy’inguzanyo ku nyungu ku kigero cya 20% kigera kuri miliyari 131.37 ziva kuri miliyari 109.37. Kubera iyo mpamvu, inyungu yinyungu yazamutseho 67% igera kuri Kshs.22.6 hejuru ya Kshs. Miliyari 13.5 zatahuwe muri Nzeri 2011.Ubutegetsi bw’inguzanyo zatumye Itsinda ryamagana icyerekezo cy’inganda z’amabanki kugira ngo umutungo wacyo ugere kuri 3% kuva kuri 3.1% mu gihe gisuzumwa. Raporo y’inguzanyo yashyizwe ahagaragara mu nama yabashoramari yo mu Kwakira 2012 na Global Credit Rating yahaye banki igihe kirekire AA-. Ibi bisobanurwa ngo “quality ubuziranenge bwinguzanyo cyane…” hamwe na AI + mugihe gito. Bisobanura “… ubwizerwe buhebuje bwo kwishyura ku gihe…” bijyanye n’ubwiza bw’umutungo watangajwe.
Ubwiyongere bukabije bw’inyungu zafashije Itsinda koroshya imitwe yagize ingaruka ku nyungu zidafite inyungu kwandikisha ubwiyongere bw’amafaranga yinjira 30% kugeza kuri Kshs.26.7 bivuye kuri miliyari 20.5.
Nubwo ubwiyongere buringaniye bwa 10% mububiko bwabakiriya kuri Kshs.164,6 hejuru ya Kshs. Miliyari 149.7 muri Nzeri 2011, amafaranga yakoreshejwe mu kubitsa abakiriya yiyongereyeho 123% byerekana ikiguzi kinini cy’inkunga iterwa n’ubutegetsi bw’inyungu nyinshi. Kugenzura ubwiyongere butangaje bwa 67% byinjira mu nyungu, kwiyongera kwinshi mu gukoresha inyungu byatumye Itsinda ryinjiza inyungu ziyongera ku gipimo cya 55% kugera kuri Kshs.17.2 ziva kuri Kshs.11.1 mu gihe cyagenwe. Amafaranga y’abakozi aterwa no gushaka abandi bayobozi bakuru ndetse n’abakozi bashya ku mashami yo muri Tanzaniya n’u Rwanda yiyongereyeho 44% mu gihe andi mafaranga yo gukora yatewe n’ifaranga ryinshi yiyongereyeho 30%.
Umuyobozi w’itsinda rya Equity Bank, Dr. James Mwangi, yagize ati: “Tuzibanda cyane kuri gahunda yacu yo guhanga udushya kugira ngo serivisi z’imari zuzuzwe neza kandi byoroshye kandi bihendutse mu karere kacu k’ibikorwa”.
Dr. Mwangi yatangaje ko umubare w’ababitsa wiyongereyeho 16% wiyongera kuri miliyoni 1.1 ugera kuri miliyoni 7.8 kuva kuri miliyoni 6.7 zatewe na banki y’ibigo na banki zigendanwa. Umubare w’abakozi ba banki wiyongereye ugera ku 5.496 ugabanya cyane igiciro cyo kubona serivisi za banki mugihe utanga serivisi nziza kubakiriya bayo.
Umutungo wose washyizeho ubwiyongere bwa 19% mugihe cyo gufunga Kshs miliyari 232 ziva kuri Kshs.195 hamwe niterambere rikomeye ryagezweho mu nguzanyo zihabwa abakiriya n’amafaranga hamwe n’amafaranga ahwanye. Banki yagumanye umwanya ukomeye w’imari yazamutseho 24% igera kuri Kshs.39.2 hejuru ya miliyari 31,76. Ikigereranyo cy’imikorere ya banki cyari gihagaze kuri 42%.
Dr. Mwangi yavuze ko ubu banki izibanda cyane ku gutera inkunga no kuguriza imishinga mito n’iciriritse (SMEs) kugira ngo ibashe gukoresha amahirwe yatanzwe no gushyira mu bikorwa Icyerekezo 2030 ndetse no kuzamuka kwa GDP mu karere.
Iyi banki yafatanyije na The MasterCard Foundation kandi itangiza gahunda yo gusoma no kwandika ku bijyanye n’imari kugeza ubu imaze guhugura urubyiruko n’abagore barenga 450.000 mu bagenerwabikorwa bagera kuri miliyoni imwe muri Nzeri 2013.
Dr. Mwangi akomeza avuga ko icyerekezo gisigaye mu mwaka wa 2012 ari cyiza kuko inyungu n’igipimo cy’ifaranga cyagabanutse hamwe n’ibidukikije bihamye.
Mu kwezi gushize, Dr. Mwangi yegukanye igihembo cy’umuyobozi w’umushinga w’ubucuruzi nyafurika mu birori mu birori byo gutanga ibihembo by’abayobozi bose bo muri Afurika bashinzwe ubucuruzi kubera imbaraga yagize mu guhindura ubuzima muri Afurika binyuze muri serivisi z’imari idasanzwe. Dr. Mwangi kandi ni we wahawe igihembo cyiza cya Ernst & Young World Entrepreneur of the Year Award.
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