Itsinda rya Equity Raporo Kshs 60.7 Inyungu Yunguka Mbere yumusoro, Iyobowe niterambere rinyuranye

• Inyungu ziteganijwe kumugabane wa Kshs 4.25, igipimo cyo kwishyura kingana na 34.5%
• Amafaranga yinjiza kumugabane yiyongereyeho 11% kuri Kshs 12.3
• Ubwiza bwumutungo butezimbere amanota 100 shingiro kuva Q1 2024 kugeza Q4 2024.
• Inyungu nyuma yumusoro yazamutseho 12% igera kuri miliyari 48.8.
• Ibikorwa byo mukarere bitanga 49% byumutungo wose na 54% yinyungu mbere yumusoro.

NAIROBI, Ku ya 27 Werurwe 2025: Equity Group Holdings Plc ikomeje gutanga umusaruro ushimishije mu bijyanye n’imari, bishimangirwa n’ingamba z’itsinda ryibanda ku bucuruzi butandukanye, guhanga udushya, no kwagura akarere. Hamwe n’imikorere ikomeye, abashoramari bashoramari, hamwe n’ubucuruzi bukomeye bwo mu karere, Itsinda ryiteguye gukomeza umwanya w’ubuyobozi mu karere no gukomeza guteza imbere iterambere rirambye.

Mu gihe yashyize ahagaragara ibisubizo byuzuye mu mwaka wa 2024, Dr. James Mwangi, Umuyobozi mukuru wa Equity Group Holdings Plc, akaba n’umuyobozi mukuru, yagize ati: “Twishimiye imbaraga zagaragajwe n’itsinda hagati y’ubukungu bwifashe nabi ku isi. Imbaraga z’amafaranga ziduha guhinduka kugira ngo dufate amahirwe kuko ubukungu bw’akarere butanga imbaraga zitandukanye mu iterambere.

Muri FY 2024, Equity Group Holdings Plc yungutse Inyungu Nyuma yumusoro (PAT) ya Kshs miliyari 48.8, yerekana intsinzi ikomeje gutsindira imishinga itandukanye yubucuruzi no gucunga ibyago mubushishozi. Inyungu z’itsinda mbere y’imisoro (PBT) zazamutseho 17% zigera kuri Kshs miliyari 60.7, mu gihe Earnings Per Share (EPS) yazamutseho 11% igera kuri Kshs 12.3, bivuze ko Itsinda rikomeje gukora cyane.

Itsinda ryabitswemo ryose ryiyongereye kugera kuri Kshs miliyoni 1.4 hamwe n’abakiriya biyongera bagera kuri miliyoni 21,6, byerekana igipimo n’ikigereranyo cyo kubitsa. Itsinda ry’imikorere y’itsinda rikomeje gukomera, hamwe n’amafaranga ahwanye n’amafaranga yazamutseho 19% agera kuri Kshs miliyari 345, mu gihe impapuro z’ishoramari zazamutse zigera kuri miliyari 512, zitanga umusanzu rusange muri 57%. Iyi myanya Itsinda neza cyane kugirango ishyire mu bikorwa neza gahunda ya Afrika yo kugarura no guhangana n’ibikorwa (ARRP), abikorera bayoboye gahunda y’iterambere yashyizweho na Equity igamije guhagarika, guha ubushobozi, guhuza, no gutera inkunga imishinga n’imiryango muri Afurika mu gihe ubucuruzi n’ishoramari ku mugabane wa Afurika. Usibye gutanga ibikoresho byimari nigikoresho cya digitale nibisubizo, Itsinda rya Equity riha imbaraga abantu, ubucuruzi, nabaturage binyuze murwego rusobanutse rwiterambere, mukubaka ubushobozi no kugabanya ingaruka, kubafasha gukoresha ibyo bikoresho kugirango bagere kubyo bifuza mubuzima, ibidukikije, nubukungu.

ARRP irashaka guteza imbere impinduka ndende ku mugabane wa Afurika, ishingiye ku nkunga n’uruhare rugaragara rw’abafatanyabikorwa batandukanye. Ubufatanye bufatika n’ibigo by’imari by’iterambere (DFIs), ikoranabuhanga ku isi n’abafatanyabikorwa ba digitale, n’imiryango igira ingaruka ku mibereho byagize uruhare runini mu gutuma Itsinda ritanga ibisubizo byinshi by’imibereho n’ubucuruzi bifite ibisubizo birambye kandi birambye. Mu rwego rw’izo mbaraga, Itsinda ryifatanije na AfDB, Microsoft na Mastercard Corporation mu rwego rwo kubara abakiriya miliyoni 10 b’ubuhinzi muri gahunda ya Community Pass yo gutanga MADE Alliance, bikarushaho guteza imbere kwinjiza imari no kugera kuri interineti muri Afurika; hamwe na gahunda y’ibiribwa ku isi kugirango barusheho kongerera ubushobozi abahinzi-borozi bato mu buhinzi.

Itsinda ryerekanye ubwitange ku banyamigabane baryo basaba inyungu ya Kshs 4.25 kuri buri mugabane, bivuze ko amafaranga yishyuwe angana na 34.5%, ashimangira amateka yayo yo guha agaciro abanyamigabane bayo. Ibi bishimangirwa ninyungu zingana (ROE) zingana na 21.5% hamwe ninyungu kumitungo (ROA) ya 2,8%, byombi bikaba biri hejuru yikigereranyo cyinganda.

Itsinda rya Equity Group ryakoresheje icyitegererezo cya moteri, gihuza 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 kwipimisha ku bucuruzi bwacyo kugira ngo itere imbere ku masoko atandukanye ikoreramo. Yakomeje kuzamura agaciro itanga ku bakiriya bayo ndetse no ku bafatanyabikorwa, ihinduka serivisi ya serivisi z’imari mu karere ku mwanya wa mbere cyangwa ibiri muri bitatu mu masoko atandatu akorera muri Kenya, DRC, na Rw. Itsinda ryibanda ku kwagura akarere no gutandukanya ibicuruzwa bikomeje guteza imbere iterambere hamwe n’ishami ry’akarere ry’itsinda ritanga 49% byumutungo wose, 48% yinguzanyo zose hamwe na 54% yinyungu mbere yimisoro, bikarushaho gutandukanya ishingiro ryinjira. Ishami rya Kenya, nubwo rikiri umusanzu munini, ryinjije 46% yinjiza yose. Amafaranga yinjira mu Rwanda yinjije yiyongereyeho 36%, Banki ya Equity Bank Tanzaniya yiyongereyeho 20% na EquityBCDC ku gipimo cya 9% mu gihe PAT ya Equity Bank u Rwanda yiyongereyeho 30% YoY, Banki ya Equity Bank Tanzaniya 107%, Equity Bank Uganda 186% na EquityBCDC yiyongera 29%, byerekana ko imisanzu yiyongereye mu bikorwa byo mu karere. Equity Bank Kenya mu mezi atandatu ashize yagabanije igipimo cy’inguzanyo shingiro inshuro eshatu yohereza ikimenyetso cyerekana ko ifite intego yo kuzamura igitabo cy’inguzanyo kuko ubukungu bwa Kenya bugaragaza ibimenyetso by’ubukungu. Kugabanuka kwinyungu bizagabanya ikiguzi cyinguzanyo, biha ubucuruzi kubona inguzanyo zihendutse mugihe ingo bivuze ko amafaranga yinjiza yiyongera bityo bigatuma abakoresha bakoresha.

Bitewe n’ibidukikije bikora ku isi byaranzwe n’imihindagurikire ya politiki itigeze ibaho, uburyo bwo kwirwanaho no gushishoza mu gucunga ibyago byagaragaye mu ngingo z’inguzanyo zatanzwe, zingana na miliyari 20.2. Umubare w’inguzanyo idakorwa (NPL) wagumye munsi yikigereranyo cy’inganda ku kigero cya 12.2%, ugabanuka cyane ugereranije na 16.4% ugereranije n’inganda. Ubwishingizi bwa NPL buhagaze kuri 71%, byerekana ubwiza bwumutungo witsinda.

Ubucuruzi bwa Equity Life Assurance bukomeje kwandikisha ibikorwa bitangaje hamwe na YoY Inyungu mbere yuko imisoro yiyongera 58% kugeza kuri Kshs miliyari 1.5 kuva kuri Kshs miliyoni 934. Byongeye kandi, ingamba zikomeye ariko zifite ubushishozi mu ishoramari ry’amafaranga y’abafatanyabikorwa byatumye hamenyekana ko yagarutse ku kigero cya 13.5%, byerekana ko itsinda rya Equity Group rifite ubushobozi bwo guha agaciro politiki irenga miliyoni 14 yatanzwe kuva yatangira muri Werurwe 2022. Harebwa no gushyiraho igihe kirekire, iryo tsinda ryabonye uruhushya rw’ubwishingizi rusange, usibye uruhushya rusanzwe rw’ubwishingizi bw’ubuzima, rwaranze intambwe ishimishije. 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 gihe dukomeje kwagura ibikorwa by’imari by’ibidukikije, ishami ryacu rya Bancassurance rikomeje kuba ingenzi mu ngamba z’iterambere ryacu. Kwiyongera kwa 6% mu kwinjiza ibicuruzwa bihebuje, nubwo ibibazo biriho ubu ku isoko, bishimangira ubushobozi bw’ikigo. Kugira ngo twongere iterambere ry’iki gice, twibanda cyane ku iterambere ry’impano, twibanda ku iterambere ry’impano, iterambere ry’imari n’igihe kirekire muri rusange. imibereho myiza. Igishimishije ni uko igisubizo cy’amafaranga y’ubwishingizi cy’ubwishingizi cyiyongereyeho 50% mu gufata neza, bikagaragaza ubwitange bwacu mu gutera inkunga abakiriya mu bihe bitazwi kuko bashyira imbere kurengera ubuzima bwabo, ubuzima bwabo n’umutungo wabo “, Dr. Mwangi.

Mu rwego rwo gukomeza guhinduka kwayo, Itsinda rya Equity ryakomeje gushora imari mu ikoranabuhanga, ibikorwa remezo bikomeye, no gutandukana. Itsinda ryavuguruye imiyoboro yaryo ya digitale, ubu itunganya 86% yibikorwa byose, ituma abakiriya babasha kubona uburambe bwa mbere. Ikigeretse kuri ibyo, ONE Equity, Itsinda ryibumbiye hamwe rya Digital, ryemerera abakiriya kubona ibicuruzwa byinshi na serivisi munsi yumutaka umwe, byongera kugurisha no guhuza abakiriya.

Agaciro k’ubucuruzi butunganijwe binyuze muri Equity Mobile YoY yiyongereyeho 67% kuva kuri Kshs 1.895 kugeza kuri Kshs tiriyari 3.174 mugihe Equity Online kubucuruzi (EazzyBiz) yiyongereyeho 21% kuva Kshs 3.165 kugeza kuri Kshs tiriyari 3.841 naho Kwishyura hamwe na Equity (PWE) kubucuruzi byiyongereyeho 14% kuva kuri Kshs 1.884. Miliyari 398.6 kuri Kshs miliyari 481.4 mugihe abakiriya bemeye imashini nshya yo kubitsa amafaranga yashizweho kugirango borohereze ububabare abashoramari bashaka kubona amafaranga yabo nyuma yamasaha ya banki mugihe amashami agenda ahinduka kuba SME, imishinga minini n’amasosiyete yibanze, aho umubare w’ubucuruzi wongereye intiti kuri bourse yuzuye yatanzwe mu bumenyi butandukanye, imaze kwiga kaminuza 233 zitandukanye mu bihugu 37 n’umugabane wa 6. Intiti 204 zagiye muri kaminuza za Ivy League, zigira uruhare mu iterambere ry’umuntu mu karere. Gahunda ya ELP iherutse kwakira itsinda rishya ry’intiti 750 muri gahunda yo kwimenyereza umwuga mbere ya kaminuza, bituma umubare w’intiti za ELP zishyigikiwe n’itsinda kugeza kuri 29.515. Ugereranije, gahunda yorohereje kwimenyereza umwuga 9.700 kandi itanga amahirwe kubashakashatsi 3.979.

Iri tsinda rikomeje kuba umuyobozi mu bikorwa by’ikirere, rimaze gutera ibiti bisaga miliyoni 35 kandi ryongerera miliyoni zisaga 200 USD mu bijyanye n’imari y’ikirere kugira ngo rishyigikire ingamba zo guhangana n’ikirere. Mu guteza imbere inzibacyuho y’ingufu zisukuye, Equity Group Foundation yashyigikiye ikwirakwizwa ry’ibicuruzwa 466.975 by’ingufu zisukuye mu ngo no mu bigo. Ubwitange bwa Equity mu buryo burambye bugaragazwa cyane no kwibanda ku gusana ibidukikije no kwemeza Taskforce yo kumenyekanisha imari y’ibidukikije (TNFD) hamwe n’umushinga nyafurika w’umutungo kamere (ANCA). Isosiyete mpuzamahanga y’imari, IFC, yashyize Itsinda ku mwanya wa mbere ku isi n’umubare munini w’ibikorwa bijyanye n’ikirere mu bigo 258 ku isi.

Mu guteza imbere ubukungu, abagore n’urubyiruko 2,477.358 bahawe amahugurwa mu burezi bw’imari hamwe na MSME 634.059 bahabwa ubushobozi mu kwihangira imirimo. Muri gahunda ya Young Africa Work Work, Kshs 340.8B yahawe MSMEs 323.303.

Gahunda zo kurengera imibereho y’itsinda zageze kuri miliyoni 5.79 ku bantu, Kshs 164.2B yatanzwe binyuze mu kohereza amafaranga. Mu buzima, amavuriro ya Equity Afya yanditse umubare rusange w’abarwayi 3,343.889 basuye ibigo nderabuzima 132 by’ubuvuzi. Ubu buryo bwuzuye bushimangira ubushake bwa Equity Group mu guteza imbere iterambere rirambye no kuzamura imibereho mu karere kose.

Dr. Mwangi yashoje agira ati: “Itsinda ry’imigabane rikomeje kwiyemeza guteza imbere impinduka nziza. Twibanze ku kwinjiza amafaranga, kwagura akarere, no kuzamuka mu buryo burambye bizadufasha gukomeza kuba umusemburo w’iterambere ry’ubukungu no guhangana n’ubukungu muri Afurika. Nidutera imbere, dukomeza kwiringira ejo hazaza kandi tuzakomeza gukoresha imbaraga zacu kugira ngo tugire agaciro karambye n’ingaruka ku bakiriya bacu ndetse n’abanyamigabane.”

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