I&M Bank Rwanda Plc yatangaje ko ibyo byatewe n'imikorere myiza yaranze iyi Banki muri iki gihembwe, inyungu ku nguzanyo n'amafaranga yabikijwe zazamutseho 46%, bikanajyana n'igabanuka rifatika ry'inguzanyo zitishyurwa neza, byose byagize uruhare mu gutuma inyungu y'iyi Banki irushaho kuzamuka muri rusange.
Ishoramari iyi banki yakoze mu kugura impapuro mpeshamwenda ryatanze umusaruro, rizamura inyungu z'iyi banki muri rusange.
Amafaranga iyi banki yungutse aturutse muri komisiyo kuri serivisi yarazamutse cyane, aho yiyongereyeho 403% ugereranyije n'igihembwe cya mbere cy'umwaka ushize. .
Ku rundi ruhande, inyungu iyi banki yakuye mu gucuruza amadevize yazamutseho 34% ugereranyije n'igihembwe cya mbere cya 2023.
Amafaranga yakoreshejwe mu bikorwa by'iyi banki yazamutseho 6% muri icyi gihembwe, aho byagizwemo uruhare runini n'ikiguzi cya 19% cyagiye ku kongera abakozi ndetse no gukomeza kubongerera ubushobozi. Gusa ntabwo iri zamuka ry'iki kiguzi ryagize ingaruka zikabije, kuko iyi banki yagabanyije cyane ikiguzi mu bindi bikorwa.
Muri rusange, inguzanyo zatanzwe muri iki gihembwe cya mbere zageze kuri miliyari 312 Frw, inyongera ya 29% ugereranyije n'umwaka ushize, mu gihe inguzanyo zitishyurwa neza zavuye kuri 2.4% mu gihembwe cya kane cya 2023 (cyarangiye mu Ukuboza, 2023), zigera kuri 2.07%.
Amafaranga iyi banki ibikiye abakiliya agera kuri miliyari 529 Frw, bisobanuye ko inguzanyo itanga, uzigereranyije n'amafaranga (loan to deposit ratio) ari 63,8%, ikigereranyo cyiza gituma iyi banki ikomeza gutanga serivisi nziza ku bakiliya.
Umuyobozi Mukuru wa I&M Bank Rwanda Plc, Benjamin Mutimura, yavuze ko amavugurura iyi banki imazemo iminsi ari gutanga umusaruro.
Yagize ati "Ishyirwa mu bikorwa rya gahunda zacu nshya riri gutanga umusaruro mwiza. Dushyira imbere guha servisi nziza abakiliya bari mu bikorwa byose bitandukanye ndetse no kwegera abakiliya bashya mu bikorwa byabo. Uku gushyira mu bikorwa izi gahunda zombi bizakomeza kudufasha gutanga inyungu ku banyamigabane bacu mu gihe kirambye."
Iyi Banki itanga service zinoze ku bakiliya bari mu bikorwa bitandukanye, ibi bishimangirwa n'izamuka mu cyiciro cya abakiliya ba MSME, aho inguzanyo zatanzwe ziyongereye ku kigero cya 75% muri icyi gihembwe, mu gihe amafaranga yabikijwe nabo yiyongereyeho 67% ugereranyije n'igihembwe cya mbere cy'umwaka ushize.
Ibi ahanini byatewe n'intego z'iyi banki zo guteza imbere ikoranabuhanga, na gahunda zihariye ziteza imbere ibigo bito n'ibiciriritse nka Agiserera na Iyubake byayifashije mu gukemura ibyifuzo by'abakiliya bayigana no kuzamura umusaruro wayo muri rusange.
