Mu kiganiro na IGIHE, Umuyobozi Mukuru wa Equity Bank Rwanda Limited, Hannington Namara, yasobanuye byinshi kuri iyi banki kuva ku nyungu yayo, uburyo kwihuza na Cogebanque byahinduye imikorere, intego zayo n’ibindi bitandukanye.

Mwagize inyungu ingana iki mu gihembwe cya mbere cy’uyu mwaka?

Namara: Ndagira ngo mpere mu mwaka ushize wa 2024, aho ari bwo twatangiye imikorere nka banki imwe nyuma yo kwihuza na Cogebanque bikaba banki imwe.

Guhuza banki ebyiri zitandukanye, ugahuza abakozi n’abakiliya batari bamenyeranye, ntabwo biba mu minsi ibiri gusa ahubwo bifata igihe. Ibintu byinshi biba bitandukanye, ari imico, imyumvire n’imikorere biba bihabanye.

Mu 2024, navuga ko ari byo twibanzeho cyane. Twashyize imbaraga mu kubanza kubishyira ku murongo umwe, kandi byose byari bigamije kunoza serivisi dutanga ku bakiliya, haba abo twari dusanganywe ndetse n’abandi bashya twungutse.

Twarangije igihembwe cya mbere cy’uyu mwaka inguzanyo yacu yarazamutseho hafi 36%.

Iyo ducuruje serivisi z’imari biduha urwunguko. Urwunguko rwacu rw’igihembwe cya mbere rwiyongeyeho 10%, aho rwavuye kuri miliyari 18 Frw rukagera kuri miliyari 21 Frw mu gihembwe cya mbere.

Bite by’inguzanyo zitishyurwa neza?

Inguzanyo zitishyurwa neza cyangwa burundu na zo zaragabanyutse kandi biterwa n’impamvu nyinshi, gusa dukangurira abakiliya bacu ko kwishyura umwenda ari byiza kuko biguha amahirwe yo guhabwa indi nguzanyo.

Hari aho banki ifasha abakiliya iyo habaye impamvu zitabaturutse, urugero ushobora kuba warashoye nko mu mahoteli, intambara ikaba cyangwa hakaza icyorezo cya covid-19 nk’uko byagenze, ariko icyo twishimira ni uko mu Rwanda izo mpamvu atari nyinshi.

Igihembwe cya mbere inguzanyo, zitishyurwa zari zimaze kugera kuri 2,9%. Byaragabanyutse kuko umwaka ushize twarangije igihembwe cya mbere turi kuri 4,1%, ni ukuvuga ngo bigenze neza igihembwe gitaha dushobora kugera munsi ya 2%.

Nyuma y’ihuzwa rya Equity Bank Rwanda na Cogebanque, ubu muhagaze he?

Impamvu twagiye kurambagiza Cogebanque, ni uko twabonaga ibyiza byaturuka mu ihuzwa. Cogebanque yari banki y’abacuruzi baciriritse n’abato cyangwa abari mu murongo w’iterambere kandi buzuzanya, natwe kandi twari dusanzwe dushingiye ku guteza imbere abacuruzi bakiri bato, bakeneye kwiyubaka.

Twabonye ko ibyo byose bishyizwe hamwe, byabyara banki ishyize hamwe, cyane ko yari ifite amashami 28 twebwe dufite 18. Bari bafite abakozi 400, twebwe dufite 500. Tubona ko duhuje izo mbaraga byagira akamaro.

Ingano ya banki igira akamaro cyane. Uko ufite ingano nto, biba bishatse kuvuga ko nawe utanga inguzanyo nto kandi igihugu cyacu aho kigeze gikeneye amafaranga menshi.

Nko ku mukiliya ugiye gukora umushinga wa miliyoni 20$, ubundi mbere yagombaga kujya muri banki nk’eshanu kugira ngo akureyo miliyoni 2$, ahandi akureyo miliyoni 3$, kugira ngo azazihuze.

Icyo kiguzi rero cyo guhuza banki eshanu kugira ngo ubone miliyoni 20$, ugasanga biravuna umukiliya n’amabanki ubwayo birayavuna.

Uko banki zigenda zigira imikorere minini, bituma n’amahirwe yo gufata umushinga munini yiyongera. Urugero, ubundi ntabwo twarengaga miliyoni 15$ [zitangwa nk’inguzanyo ku muntu umwe cyangwa ikigo kimwe].

Tumaze guhuza izi banki zombi, twagiye kuri miliyoni hafi 25$, urumva twiyongereyeho hafi miliyoni 10$ yavuye kuri Cogebanque, ubu tugeze kuri miliyoni 32$ ku buryo igenda ikura, ubwiyongere bwayo, butuma natwe tuyongera ku buryo bushoboka.

Ibi bishatse kuvuga ko ushaka miliyoni 32$, ntabwo ugomba kujya gushaka banki eshanu kugira ngo ubashe kuyabona, watugana ukayabona, uko abantu bagira indoto, bagira imishinga minini ijyanye n’amahirwe igihugu gitanga twumva byakoroha kurushaho.

Uko n’igihugu kigenda kigira banki nini ni byiza kuko amafaranga azirimo aba ari menshi, bigatuma n’abakiliya babiboneramo inyungu, ariko natwe nk’uko twahuje zombi, byaduhaye tuba banki nini, biduha amashami menshi, biduha abakozi barushijeho kugira ubumenyi, biduha n’abakiliya benshi, ubu navuga ko tumaze kugera ku mubare ukabakaba miliyoni 1,4 w’abakiliya.

Murateganya gushora 30% by’inyuzanyo mutanga mu buhinzi. Ni iki cyabatinyuye?

Ubuyobozi bw’inama y’ubutegetsi bwaduhaye intego yo gutanga 30% by’inguzanyo dutanga mu rwego rw’ubuhinzi n’ubworozi. Iyo ntego nta kindi, ni ukuyigeraho kuko dukomeje gukora bisanzwe, twazisanga turi gufasha abahinzi n’abarozi ariko wareba ugasanga nta mubare urimo.

Uburyo tubikora, buriya Equity Bank igira moteri ebyiri: iy’ubukungu ari yo dutangiramo ibigendanye n’ubucuruzi, inguzanyo. Hari n’ikindi cyiciro, cyangwa se moteri, aho dukora ishoramari rijyanye no gukemura ibibazo tubona byugarije abakabaye abakiliya bacu.

Ibyo tubikora tumaze gukora ubusesenguzi mu rwego runaka. Nko mu buhinzi, turibaza ngo mu rwego rw’ubuhinzi n’ubworozi, ni ibihe bibazo bihari? Ese ni ikibazo cy’imihindagurikire y’ikirere? Ese ni abahinzi n’abarozi bakora ubuhinzi n’ubworozi bakigendera kuri bya bindi byo kwicara agasenga akavuga ati ‘imvura nitagwa ndahomba mviremo aho?’

Abo bahinzi rero ni bo duheraho tureba icyo twakorana nabo. Twakora ishoramari rihe ribaganisha ku gukemura icyo kibazo? Kuko imvura nitagwa uzarumbya, nurumbya wafashe inguzanyo ntuzishyura.

Aho rero ni ho duhera dushaka ibisubizo by’ibyo bibazo, tugasanga ibyinshi tutabibonera ibisubizo twebwe nka banki, rero tukagirana ubufatanye n’izindi nzego yaba ari Leta, abaterankunga ndetse n’abandi. Tubereka icyo bakwiriye gufasha abo bantu bituma natwe tuzana umusanzu wacu ari wo nguzanyo ya banki kugira ngo nitunamuha inguzanyo, wa muhinzi n’umworozi dusange bya bibazo bimwugarije byagatumuye ahomba byaravuyeho.

Ibyo rero ntabwo ari ibintu byoroshye, kubikora bisaba gukorana n’inzego zitandukanye zirimo iza Leta ndetse n’izigenga kugira ngo cya kibazo cyagatumye umuntu ahomba, yaba ari ikibazo cy’isoko, ikirere, ubumenyi buke, kutamenya aho akura serivisi, uburyo akora ubuhinzi n’ubworozi n’ibindi, bivanweho.

Ku mwaka duhugura abahinzi n’aborozi barenga ibihumbi 100, urumva ko mu myaka itanu tuzaba tumaze guhugura benshi.

Tubaha ubumenyi butuma babasha kwibaza uko bakwiteza imbere, tukanabereka ibyo bakeneye niba ari imbuto cyangwa ibindi ndetse tukanabigisha gukoresha ikoranabuhanga, bagatangira kubikora kinyamwuga ku buryo babikora mu buryo bubyara inyungu bagasagurira amasoko.