Itsinda rya Equity Raporo Kshs 15.4 Miliyari Yungutse Nyuma yumusoro ku micungire yikiguzi cyiza no kongera gukura

• Umutungo wose wiyongereyeho 4% umwaka ku mwaka ugera kuri Kshs miliyoni 1.75 kuva Kshs miliyoni 1.69.
• Kubitsa kw’abakiriya byiyongereyeho 7% umwaka ku mwaka kugera kuri Kshs miliyoni 1.32.
• Inguzanyo ziyongereyeho 3% umwaka ushize kugera kuri Kshs 804.7.
• Ibikorwa byo mukarere bitanga 47% byumutungo wose na 45% yinyungu mbere yumusoro.

NAIROBI, ku ya 29 Gicurasi 2025: Kugaragaza imbaraga n’ubukangurambaga mu rwego rw’ubukungu bwifashe nabi ku isi, Equity Group yageze ku musaruro ukomeye no kuzamuka mu bucuruzi bwayo butandukanye mu karere, ihinduka serivisi z’imari mu karere ku mwanya wa kabiri muri bitatu muri bitatu mu masoko atandatu ikoreramo; Kenya, DRC, n’u Rwanda.

Izi ngamba zifatika zatumye Itsinda ritanga iterambere rikomeye kandi rirambye, ryaranzwe na 7% umwaka-ku-mwaka-mwaka-mwinshi wo kubitsa abakiriya kuri Kshs. Miliyoni 1.32 ziva kuri Kshs tiriyari 1.24, zongerera ingamba zo kwagura inguzanyo zingana na 3% umwaka ushize ugereranije na Kshs miliyari 804.7 ziva kuri Kshs miliyari 779.2. Hamwe n’umutungo wose wiyongereyeho 4% umwaka ushize kugeza kuri Kshs miliyoni 1.75 kuva Kshs miliyoni 1.69, Equity Group irerekana ko ikomeje gushikama hamwe nubushobozi bwo guteza imbere ubukungu. Uru rufatiro rukomeye rw’imari rwafashije Itsinda gutanga inyungu zikomeye, kugera ku nyungu ku nyungu (ROAE) ya 23.9% no kugaruka ku mutungo (ROA) wa 3.5%, no gutanga raporo ku nyungu nyuma y’imisoro (PAT) ya Kshs miliyari 15.4, biturutse ku buryo butandukanye bw’ubucuruzi no gucunga neza ubukungu. Usibye Sudani yepfo ibaruramari ridakorwa, inyungu mbere yumusoro yerekanaga ubwiyongere bwa 8% kuva Kshs miliyari 17.3 kugera kuri miliyari 18.8.

Itsinda rya Equity Group ryakoresheje uburyo bwa moteri eshatu, rihuza ibikorwa by’ubucuruzi, imibereho myiza, n’iterambere rirambye hagamijwe kuzamura ubukungu burambye no guteza imbere ingaruka zifatika mu baturage. Itsinda rikomeje gushingira ku murage waryo wo kwihangana, imiyoborere ikomeye, inzira ndende yo gushyira mu bikorwa, guhungabanya umutekano, kwihuta, no kwagura urugero rw’ubucuruzi bwayo kugira ngo itere imbere ku masoko atandukanye ikoreramo. Yakomeje kuzamura agaciro itanga ku bakiriya bayo ndetse n’abafatanyabikorwa,

Ishami rya Kenya ryerekanye ko ryishyuye ryiyongereyeho 7% mu kubitsa kuri Kshs.792.7, amafaranga yose yinjije 19%, amafaranga adaterwa inkunga yiyongereyeho 23% agera kuri miliyari 7.57 bituma inyungu ziyongera 50% mbere y’imisoro. Inyungu za Kenya ku mutungo n’imigabane byateye imbere kugera kuri 3,4% na 26.0%. Ishami ry’amabanki yo muri Kenya, nubwo rikiri umusanzu munini, ryinjije 51% yinjiza yose. Itsinda ryitsinda ryakarere rikomeje kugira uruhare runini mu iterambere ryaryo. Equity bank Tanzania imbaraga zo kugarura ibintu zikomeje kwigaragaza hamwe no kubitsa byiyongereyeho 14% naho inguzanyo zikaba 9% umwaka ushize. Inyungu mbere y’umusoro yiyongereyeho 540%, bigira ingaruka nziza ku nyungu ku mutungo no ku nyungu zingana na 3.2% na 22,6%. EquityBCDC igira uruhare runini mu guhuza gahunda y’itsinda ry’Afurika yo Kugarura no Kurwanya (ARRP), hamwe n’imikorere ikomeye muri DRC yagaragaje ko 9% YoY yiyongera mu nguzanyo z’abakiriya kuri Kshs 252.1 miliyari na 8% mu kubitsa kuri Kshs. Miliyari 468.4. Inkunga ifite uruhare runini mu gutera inkunga urwego rwibanze nkubuhinzi, inganda, na MSMEs. Amashami yo mu karere yari afite 47% byumutungo wose, 48% yinguzanyo zinguzanyo, na 45% yinyungu mbere yumusoro, hamwe n’amasoko akomeye arimo DRC Tanzaniya nu Rwanda, agaragaza iterambere ry’amafaranga yabikijwe n’inguzanyo. Iyi mikorere yo mukarere ishimangira ingamba zifatika za Equity nkimbaraga zimari zambukiranya imipaka kandi zishimangira iterambere ryayo muri Afrika yuburasirazuba no hagati.

Ubwo yashyiraga ahagaragara ibisubizo bya Q1 2025, Dr. James Mwangi, Umuyobozi wa Equity Group Holdings Plc, akaba n’umuyobozi mukuru, yagize ati: “Twishimiye imbaraga zagaragajwe n’iri tsinda mu gihe ubukungu bwifashe nabi ku isi, aho ubukungu bw’imari butanga uburyo bworoshye bwo gukoresha amahirwe kuko ubukungu bw’akarere butanga imbaraga zinyuranye z’iterambere ry’iterambere ry’akarere ndetse n’abatari banki, bikomeza gutanga iterambere ry’iterambere ry’akarere ndetse n’abatari banki, bikomeza gutanga iterambere ry’iterambere ry’akarere ndetse n’abatari banki. abanyamigabane, bashyigikiwe n’imikorere yacu ikomeye hamwe n’imyanya shingiro ya 58.5% na 18.3%. ” – Dr. James Mwangi, Umuyobozi n’Umuyobozi mukuru wa Equity Group Holdings Plc.

Inyungu yinyungu yiyongereyeho 3% kuva Kshs miliyari 27.8 igera kuri Kshs miliyari 28.6 mugihe amafaranga yose yagabanutseho 1% agera kuri miliyari 29.5 bivamo inyungu mbere yumusoro wa miliyari 18.7.

Umubare w’inguzanyo idakorwa (NPL) wagumye munsi yikigereranyo cy’inganda ku kigero cya 14%, ugabanuka cyane ugereranije na 17.2% ugereranyije. Ubwishingizi bwa NPL buhagaze kuri 67%, bishimangira ubwiza bwumutungo witsinda.

Itsinda rishinzwe amabanki adafite amabanki, harimo amabanki yishoramari, fintech, nubwishingizi, byakomeje nibikorwa byabo byiza. Iyi mishinga ntabwo ishyigikira gusa kwinjiza amafaranga ahubwo inashimangira icyifuzo cy’itsinda binyuze mu bisubizo bihuriweho, bishingiye ku bakiriya bikemura ibibazo bitandukanye by’imari ku mugabane wa Afurika.

Ubucuruzi bwubwishingizi bukomeje gutanga ibisubizo byiza, hamwe ninyungu Mbere yumusoro yazamutseho 27% igera kuri Kshs miliyoni 414 kuva Kshs miliyoni 321. Kuva yashingwa muri Werurwe 2022, Itsinda ryasohoye politiki ya miliyoni 15.3, aho 80% ryatanzwe binyuze mu miyoboro ya sisitemu, ryongera uburyo bwo kurinda imari no kurushaho kunoza umubano w’abakiriya.

Hamwe hibandwa ku kurema agaciro kigihe kirekire, Itsinda riri mubikorwa byo kubona uruhushya rw’ubwishingizi bw’ubuzima, kugira ngo rwuzuze impushya rusange zisanzwe n’ubwishingizi bw’ubuzima, ibyo bikaba ari intambwe ikomeye y’ingenzi. Uku kwimuka kuzamura ubushobozi bwitsinda ryo gutanga ibisubizo byuzuye byubwishingizi byemeza ko abakiriya mubice byose; ibigo, SME, hamwe n’ibicuruzwa, birashobora kubona ibisubizo bihuriweho birinda ubuzima bwabo, ubuzima, nubutunzi.

Mu rwego rwo gufata ingamba zo gukemura ibibazo by’ubwishingizi ku bicuruzwa by’amabanki, Equity Bancassurance Intermediary Limited yagize uruhare runini mu kuzamura iterambere, kurinda ingaruka, no gusoma no kwandika.

Banki y’ishoramari n’ubucuruzi bw’ikoranabuhanga byanditse imikorere ikomeye, hamwe n’inyungu yiyongereyeho 142% na 10%, bishimangira ingamba zo gutandukanya Itsinda.

Iyi mikorere ishyiraho itsinda kugira ngo riteze imbere kandi riteze imbere gahunda yo kwisubiza no guhangana na Afurika (ARRP), abikorera bayoboye gahunda y’iterambere ryashyizweho na Equity igamije guhagarika, guha ubushobozi, guhuza, no gutera inkunga imishinga n’ingo muri Afurika. Usibye gutanga ibikoresho by’imari n’ikoranabuhanga, biha imbaraga abantu, ubucuruzi, nabaturage binyuze muburyo bunoze bwiterambere, mukubaka ubushobozi no kugabanya ingaruka, kubafasha gukoresha ibyo bikoresho neza kandi neza kugirango bagere kubyo bifuza mu mibereho, ibidukikije, nubukungu.

Gahunda yo kwisubiza no guhangana n’Afurika (ARRP) yifuza guteza imbere impinduka ndende ku mugabane wa Afurika, ikoresha inkunga n’uruhare rugaragara rw’abafatanyabikorwa batandukanye. Ubufatanye bufatika n’ibigo by’imari by’iterambere (DFIs), abafatanyabikorwa mu bikorwa ku isi, n’ibigo by’imibereho byagize uruhare runini mu gutanga umusaruro urambye w’imibereho n’ubucuruzi. Mu rwego rw’izo mbaraga, Equity Group yafatanyije na AfDB, Microsoft, na Mastercard Corporation mu kubara abakiriya miliyoni 10 b’ubuhinzi muri gahunda ya Community Pass binyuze muri MADE Alliance, biteza imbere kwinjiza imari no kugera kuri interineti muri Afurika. Byongeye kandi, Itsinda ryifatanije na gahunda y’ibiribwa ku isi mu rwego rwo kongerera ubushobozi abahinzi-borozi bato binjira mu buhinzi. Mu rwego rwo kurushaho guteza imbere imari ihuriweho, Itsinda ryakoresheje uburyo bwo kugabana ibyago binyuze mu bufatanye n’ikigega nyafurika gishinzwe ingwate (AGF), butanga ingwate zirenga Kshs. Miliyari 27. Ibi byatumye uburyo bwo kubona inguzanyo ku bagore- n’urubyiruko bayobowe na MSMEs, bishimangira itsinda ryiyemeje guha ingufu ubukungu mu buryo bunoze.

Equity Group yakomeje gushora imari mu ikoranabuhanga, ibikorwa remezo, no gutandukana. Yavuguruye imiyoboro ya digitale, ubu itunganya 87% yibikorwa byose, ifasha abakiriya kubona uburambe bwizewe, bwizewe, kandi butagira ikinyabupfura. Equity Mobile App na USSD byatunganije miliyoni 39.5 zicuruzwa, bifite agaciro ka Kshs. Miliyari 942.7 ziva kuri miliyoni 37.8 zicuruzwa bifite agaciro ka Kshs. Miliyari 720.2 zanditswe mugihe kimwe cyo gutanga raporo umwaka ushize, mugihe Equitel yakemuye miriyoni 92, bivuye kuri miriyoni 65.2, byerekana ko abakiriya bemeye cyane imiyoboro ya banki igendanwa. Itsinda ryubucuruzi bwivunjisha ryitsinda, EazzyFX, ryanditse Kshs. Miliyari 29.5 zubucuruzi ziva kuri Kshs. Miliyari 24.1, mugihe Equity Online yashyizeho Kshs. Miliyari 41.7 z’agaciro zavanywe muri Kshs. Miliyari 36. Hagati aho, Kwishura hamwe na Equity (PWE), itsinda ryumucuruzi uhuza ibicuruzwa hamwe nuburyo bwo kwishyura, byatunganije Kshs. Miliyari 567,6 hejuru ya Kshs. Miliyari 487.5 mu bacuruzi barenga miliyoni 1.1, bikomeza gushimangira umwanya wa Equity mu kwishura no kwishyura imishinga. Ikigeretse kuri ibyo, ONE Equity, Itsinda ryibumbiye hamwe ryitsinda rya digitale, ryemerera abakiriya kubona ibicuruzwa byinshi na serivise zitandukanye muburyo butandukanye bwa digitale munsi yumutaka umwe, kuzamura ibicuruzwa, gutanga amahitamo menshi kubakiriya, no kurushaho kwishora mubikorwa.

Equity Group yakomeje gutanga ingaruka zikomeye mu mibereho mu karere kose, ishimangira ubushake bwayo mu iterambere ryuzuye. Muri gahunda ya Equity Leaders Programme (ELP), Itsinda rimaze gutera inkunga intiti 29.515, kuri ubu 113 zikaba zikurikirana buruse muri kaminuza zikomeye ku isi, ndetse n’abanyeshuri barenga 970 bakaba barize muri kaminuza 233 zo mu bihugu 37. Byongeye kandi, intiti 750 zinjiye muri gahunda yo kwimenyereza umwuga mbere ya kaminuza muri uyu mwaka, hamwe hateranijwe kwimenyereza umwuga 9.700 hamwe n’intiti 3.979 za TVET zashyigikiwe kugeza ubu, zubaka umuyoboro w’abayobozi bafite imbaraga muri Afurika.

Ku bijyanye n’ikirere, Itsinda ryateye ibiti birenga miliyoni 35 kandi byorohereza ikwirakwizwa ry’ibicuruzwa bitanga ingufu 494.543, bigira uruhare mu gusana ibidukikije no gukoresha ingufu zisukuye. Hamwe na miliyoni zisaga 200 USD zongerewe amafaranga mu bijyanye n’ikirere, Itsinda rikomeje gutera inkunga ubucuruzi n’abaturage mu guhangana n’imihindagurikire y’ikirere. Ubuyobozi bwa Equity mu buryo burambye bwamenyekanye ku isi hose n’ikigo mpuzamahanga cy’imari (IFC) nk’ikigo cy’imari gifite umubare munini w’ibikorwa bijyanye n’ikirere ku isi.

Binyuze muri gahunda ya Young Africa Work Work, Equity yatanze Kshs miliyari 353 kugeza ku bigo bito n’ibiciriritse 350,149, aho miliyoni 2.49 z’abagore n’urubyiruko bahabwa inyigisho z’imari na MSMEs 653.372 bahuguwe mu kwihangira imirimo. Gahunda zo kurengera imibereho y’itsinda zimaze kugera kuri miliyoni 5.82, zitanga Kshs miliyari 167.8 zo kohereza amafaranga. Hagati aho, ivuriro rya Equity Afia ryanditseho miliyoni 3.66 z’abarwayi basura abarwayi mu bigo 134, bigira uruhare runini mu kubona ubuvuzi bwiza kandi buhendutse.

Dr. Mwangi yashoje agira ati: “Twibanze ku kwinjiza imari, kwagura akarere, no kuzamuka mu buryo burambye bizadufasha gukomeza kuba umusemburo wo kongerera ubushobozi ubukungu no guhangana muri Afurika muri rusange. Iyi mihigo ishimangirwa n’uko duherutse kumenyekana nka Superbrand muri Afurika y’Iburasirazuba ku nshuro ya kane, dushimangira ubwitange bwacu mu bwiza, kwiringirwa, no kuba indashyikirwa muri serivisi z’imari ndetse no guhanga udushya tw’ibikorwa bya Banki. harimo Umuyobozi mukuru w’umwaka n’umwanya wa mbere mu bindi byiciro icyenda, nka Porogaramu ishinzwe gusoma no kwandika ku bijyanye n’imari, Amabanki mato mato, gutera inkunga ubuhinzi, ndetse n’inshingano zirambye z’imibereho myiza y’abaturage, ibyo bikaba byerekana ko twiyemeje guha ubushobozi abakiriya bacu no kuzamura iterambere ry’ubukungu. ”

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