Ni izamuka ryagizwemo uruhare no kudahindagurika kw'inyungu abanyamuryango b'uru rwego binjiza haba ku nguzanyo batanga n'ubwiyongere bw'inguzanyo baha abakiliya babo.
Inyungu izi banki zitanga, ni ukuvuga ikinyuranyo kiri hagati y'amafaranga zagurijwe n'iyo zaka ku nguzanyo ku bakiliya bazo, na zo ntabwo zakunze guhindagurika cyane kuko yagumye hagati ya 8% na 10%, ibyagize uruhare mu iterambere ry'uru rwego.
Umuyobozi Mukuru wa RBA, Tony Francis Ntore yavuze ko amabanki yagerageje kugenzura inyungu yinjiza binyuze mu buryo butandukanye bwo kumenya neza ibishobora kuyashyira mu bihombo, no kwimukira ku mitungo idashobora guteza ibibazo cyane.
Ikindi ni uko impuzandengo y'uko uru rwego rwakoresheje ishoramari ry'abanyamigabane mu kuribyaza umusaruro hinjizwa inyungu, na yo yazamutse mu gaciro aho yari hagati ya 10% na 15% kuri buri dolari, nko mu myaka ine ishize. Icyakora mu 2023 iyi nyungu yageze kuri 21,5%.
Mu myaka 10 ishize ibyo izi banki zinjiza ku mitungo yabyo byarazamutse bigera ku mpuzandengo y'inyungu ya 2,3% ivuye kuri 1,7%, na none 2023 iza ari umwaka mwiza kuko iyo nyungu yageze kuri 4,7% muri Nzeri 2023.
Nk'izindi zose uru rwego rwazahajwe na Covid-19 ku buryo bukomeye cyane ku buryo n'uyu munsi nubwo rwigaranzuye izo ngaruka hakigaragara ibisigisigi byazo.
Icyakora inzobere mu bijyanye n'ubushakashatsi ku ishoramari muri BK Capital, Kevin Karobia yabwiye The New Times ko amabanki yo mu Rwanda yazamuye ubushobozi bwayo mu bijyanye n'imari ku buryo bitanga icyizere ko yakomeza no gukora mu gihe haje ibindi biza.
Ati 'Izo banki zifite imarishingiro itubutse igera kuri 21% kurusha iyo leta isaba ya 15%. Bigaragaza ko zikomeye cyane ndetse zishobora guhangana n'ibibazo zishobora guhura na zo.'
Uretse ibibazo bya Covid-19 ndetse n'ibijyanye n'ubucuruzi byakomeje kuzahaza urwego rw'amabanki, agaciro k'umutungo wazo kakomeje kuzamuka, ibigaragaza uburyo urwego rukomeje kugira imbaraga umunsi ku wundi.
Nk'ubu imibare yo mu mpera za 2023 igaragaza ko urwego rw'amabanki mu Rwanda rwari rwihariye 36% by'umusaruro mbumbe w'igihugu, imibare yazamutse ugereranyije na 20,9% uru rwego rwabarirwaga mu myaka 10 ishize.
Ni uruhare runini ugereranyije n'urw'inzego z'amabanki zo mu bihugu bimwe byo mu Karere na Afurika muri rusange, kuko ruri hejuru y'urwa Uganda, Tanzanie na Nigeria, ariko Kenya na Afurika y'Epfo bikagomeza kuza imbere y'u Rwanda.
Mu Rwanda hari banki 15 zirimo iz'ubucuruzi 10 na Banki y'Iterambere y'u Rwanda. Izi banki zifasha Abanyarwanda kwizigama ariko zikanabaha inguzanyo mu rugamba rwo kwiteza imbere.
Mu 2023 amabanki y'ubucuruzi yagize izamuka ridasanzwe ry'umutungo, aho wiyongereyeho miliyari zirenga 211 Frw mu mezi atatu, kuva muri Kamena kugeza muri Nzeri.
Imibare ya Banki Nkuru y'u Rwanda igaragaza ko urwego rw'amabanki, ari na rwo runini rugize urwego rw'imari mu Rwanda, rwazamutseho 18,1% bitewe ahanini n'imari shingiro n'amafaranga abikijwe y'abakiliya byakomeje kwiyongera.
Iyi mibare igaragaza ko umutungo wa banki 10 z'ubucuruzi muri Kamena 2022 wari miliyari 4.445 Frw, bigera muri Kamena 2023 ugeze kuri miliyari 5.153 Frw.
