BK Group Plc ibumbatiye ibigo bine birimo na Banki ya Kigali (BK), yongeye kugira inyungu itubutse kurusha izindi banki mu Rwanda, kuko yageze kuri miliyari 38.4 Frw mu mwaka wa 2020, ivuye kuri miliyari 37.8 Frw mu mwaka wa 2019, inyongera ya 3%.
Mu kiganiro , Umuyobozi Mukuru wa BK Group Plc, Dr. Diane Karusisi, yavuze ko inyungu ikigo ayoboye cyabonye mu mwaka wa 2020 ari nziza ugereranyije n’uburyo uwo mwaka wari ugoranye kubera icyorezo cya Covid-19 cyahungabanyije ubucuruzi.
Uretse kuba iyi banki yarungutse neza mu mwaka wa 2020, iherutse no guhabwa igihembo na Global Finance nka banki nziza mu Rwanda, ibyo Dr. Karusisi avuga ko “Biterwa n’abakozi bafite ubushake n’ubumenyi, kandi tubashoramo imbaraga nyinshi n’ubumenyi, ku buryo ibyo bihembo bitari iby’uyu mwaka gusa”.
Uyu muyobozi yongeyeho ko BK ari banki ifite igishoro gihagije, cyatumye inafasha 40% by’abakiliya bayo bifuje kuvugura amasezerano y’inguzanyo zabo mu ntangiriro z’icyorezo cya Covid-19.
Yagize ati “Umwihariko wa BK ni uko ari banki nini, dufite abashoramari bashoyemo imari ifatika, ku buryo icyo gishoro ni cyo twibandaho kugira ngo dutange serivisi, kandi dufite n’amafaranga [ahagije].”
Uburyo Covid-19 yahungabanyije BK
N’ubwo BK Group Plc yabonye inyungu mu mwaka wa 2020, iki kigo nacyo cyagezweho n’ingaruka z’icyorezo cya Covid-19, nk’uko byagenze mu bundi bucuruzi.
Dr. Karusisi yavuze ko n’ubwo bungutse neza mu mwaka ushize, ariko batabashije kugera ku ntego bari bihaye kuko batangiye umwaka wa 2020 bifuza inyungu ikabakaba miliyari 50 Frw, ariko bakabona 38.4 Frw.
Nka banki nini mu Rwanda, BK iba ihanzwe amaso mu gutanga inguzanyo ku mishinga minini idakunze kwisukirwa n’amabanki acyiyubaka, ari nayo mpamvu umubare w’abavuguruye amasezerano y’inguzanyo bafitanye na BK wazamutse ukagera kuri 40% by’abafite inguzanyo bose muri ibi bihe bya Covid-19.
Ibi ariko ntibyabujije umubare w’abafite inguzanyo zitishyurwa neza (NPL) kuzamuka, kandi ko ibi byari byitezwe, uretse ko umuvuduko biriho uteye inkeke.
Ubusanzwe, Banki Nkuru y’u Rwanda (BNR) itanga inama y’uko umubare w’inguzanyo zitishyurwa neza ugomba kuba uri munsi ya 5% by’inguzanyo zakagombye kwishyurwa mu gihe runaka. BK yari isanzwe yesa uyu muhigo, ariko iwuhushaho gato muri 2019, kuko inguzanyo zitishyurwa neza zageze kuri 5.7% muri uwo mwaka.
Mu bihe bya Covid-19, izi nguzanyo zariyongereye zigera kuri 6.7% ndetse ubu zimaze kugera ku 8%, ibyatumye Dr. Karusisi agira ati “Ni ibintu duheruka cyera, ariko tuzi ko mu minsi iri imbere ibintu bizasubira mu buryo…Abantu duha inguzanyo tuba twakoze ubusesenguzi, tubona ko bashobora kwishyura.”
Dr. Karusisi kandi yavuze ko izindi mpinduka zizabaho muri uyu mwaka, ari uko abanyamigabane ba BK batazabona inyungu ku migabane yabo.
Bivugwa ko aya mabwiriza yatanzwe na BNR, mu rwego rwo kugabanya amadolari asohoka mu gihugu mu bihe n’ubundi asanzwe yaragabanutse cyane bitewe n’icyorezo cya Covid-19.
Uyu muyobozi yagize ati “Ntabwo duteganya gutanga inyungu ku migabane, kugira ngo aya mafaranga yose dukomeze tuyibikire, n’abashoramari bayibikiye, ku buryo mu myaka itaha ibintu byamaze gusubira mu buryo, tuzashobora kuyatanga”.
Dr. Karusisi kandi yavuze ko abanyamigabane ba BK bakwiye kwishimira ko iyi banki iri kwitwara neza muri ibi bihe bitoroshye, ati “Icyo tubizeza ni uko ayo mafaranga bayibikiye, ibintu nibyongera kujya mu buryo, tukava muri ibi bihe by’icyorezo, bazabona inyungu ku migabane yabo.”
Ikoranabuhanga rihanzwe amaso
Dr. Diane Karusisi yavuze ko kimwe mu bintu bikomeye BK yigiye mu bihe bya Covid-19, ari ukwihutisha ikoreshwa ry’ikoranabuhanga mu serivisi batanga, kandi ko bari mu nzira zo kuriteza imbere ku buryo mu myaka iri imbere, n’abashaka inguzanyo bazajya babikora bifashishije mudasobwa zabo.
Yagize ati “Mu myaka iri imbere, ntabwo dushaka ko umuntu ushaka kugura inzu, agomba kuza muri banki akandika, turashaka ko [serivisi] zose azibona, [nawe] akatwoherereza [amakuru] kuri telefoni, muri banki tukabisuzuma, kandi [igihe cyo kubona inguzanyo] ntikirenze umunsi”.
Yavuze ko ibi bazabigeraho binyuze mu bikorwa bashyizemo imbaraga birimo guhindura ikoranabuhanga (software) bakoresha kuko iryo basanganywe ritakijyanye n’igihe, aho rimaze imyaka irenga 50.
Kuri ubu BK imaze imyaka ibiri mu bikorwa byo kwimurira amakuru muri software igezweho ku rwego rw’Isi yitwa Temenos, aho byitezwe ko nta gihindutse, uyu mwaka urangira iyi software iri gukoreshwa.
Ni software y’igitangaza kuko ituma banki ishobora gutanga serivisi zayo mu buryo bworoshye, bwihuse kandi bufite umutekano. Iy software ikoreshwa na banki zirenga 3 000 ziri mu bihugu 150, ndetse by’umwihariko, banki 41 muri 50 za mbere nini ku Isi zirayikoresha.
Uretse ikoranabuhanga, Dr. Karusisi yavuze ko bitewe n’uburyo u Rwanda rwabashije guhangana na Covid-19, bafite icyizere n’ubushobozi bwo gushora imari mu bikorwa bigamije kuzahura ubukungu birimo nka gahunda yo guteza imbere inganda iherutse gutangazwa na Leta y’u Rwanda (MBRP).
Yavuze ko biteguye gufasha abashoramari gushyira mu bikorwa iyi gahunda, kuko “Bizatuma dutanga inguzanyo kandi ubucuruzi bwacu ni uko dutanga inguzanyo, ni ko tuzakomeza [kuzamura] inyungu yacu.”
Ni ryari BK izajya ku masoko mpuzamahanga?
Muri iyi minsi, Abanyarwanda bari gushishikarizwa gushora imari muri Centrafrique, bityo hakaba abavuga ko aya ari amahirwe kuri BK yo gutangira gutekereza uburyo yakwinjira ku masoko mpuzamahanga, nka banki imaze kugira agaciro karenga miliyari 1$.
Dr. Karusisi yaciye amarenga y’uko iyo mishinga atari iya vuba, gusa yemeza ko abagize Inama Nkuru ya BK bajya babiganiraho.
Yagize ati “Twebwe amahame tugenderaho ni ukuvuga ngo abakiliya bacu nibo tuzakurikira. Niba dufite abakiliya bacu bagiye gushora imari nko muri Centrafrique n’ahandi, tukabona ko ari ubucuruzi bufatika, tugomba kubaherekeza…ni ibintu tuganiraho, ubwo nitugera ku kintu gifatika tuzabamenyesha.”
Uyu muyobozi kandi yavuze ko badatewe ubwoba n’ibigo by’itumanaho bitangiye kwinjira muri serivisi z’imari, avuga ko “Ari amahirwe kuko buzuzanya”, ndetse ko hari izindi nyungu ibyo bigo bizana zirimo gufasha banki gukusanya amakuru y’abakiliya, ibishobora kuzihutisha uburyo bahabwamo inguzanyo n’izindi serivisi za banki mu myaka iri imbere.
