Muri iki gihembwe BK Group Plc yinjije miliyari 72,3 Frw, bingana n’izamuka rya 13,8% ugereranyije n’igihembwe nk’iki cy’umwaka wabanje. Umutungo w’iki kigo wageze kuri miliyari 2.947,3 Frw ibingana n’inyongera ya 13.1%.

Iyi nyungu yagizwemo uruhare n’ibigo bibarizwa muri BK Group PLC birimo na Banki ya Kigali. Inyungu y’iyi banki yari miliyari 26,1 Frw, ibingana na 3,5% ugereranyije n’igihembwe cya mbere cy’umwaka ushize.

Uyu musaruro ugaragaza uburyo iyi banki ikomeje guteza imbere ubukungu bw’u Rwanda no kwimakaza serivisi z’imari zidaheza.

Bigararagaza uburyo serivisi z’imari zakomeje kugezwa kuri benshi, uburyo bwo kwisunga ikoranabuhanga bwatejwe imbere, ibikomeje guha amahirwe y’imikorere abahinzi, abikorera, abafite ibigo by’ubucuruzi n’imiryango mu Rwanda.

Banki ya Kigali yatanze inguzanyo za miliyari 1.745 Frw, amafaranga abantu babikijemo agera kuri miliyari 1.895 Frw, ibigaragaza uburyo iki kigo cy’imari cyizewe mu guteza imbere imibereho y’Abanyarwanda.

Mu gutera inkunga ibigo bito n’ibiciriritse iyi banki yabihaye inguzanyo ya miliyari 309,2 Frw, ibingana n’inyongera ya 9%. Byafashije kwagura ibi bigo, bihanga akazi binabifasha kugera ku masoko mashya.

Inguzanyo yahawe abantu ku giti cyabo n’imiryango yageze kuri miliyari 368,9 Frw, bingana n’inyongera ya 6%, bituma abantu n’imiryango babona amafaranga y’ishuri bakora n’ibindi bikorwa bibateza imbere.

Inguzanyo yahawe abahinzi n’aborozi yageze kuri miliyari 96,3 Frw, bibafasha kongera igishoro cyabafashije kongera umusaruro.

Ibigo binini byahawe inguzanyo ya miliyari 969 Frw. Nubwo iyi nguzanyo yagabanyutseho 9%, iyi gahunda yakomeje kunganira inzego zitandukanye z’ingenzi nk’ibikorwaremezo, ubwikorezi, ubukerarugendo, ubuvuzi, uburezi n’ubucuruzi, inzego zifatiye runini gahunda y’igihugu y’iterambere rirambye.

Iki gihembwe kandi gisize BK Group PLC iteye imbere mu kwimakaza ikoranabuhanga n’indi mishinga.

Banki ya Kigali yashinzwe ikoranabuhanga rizwi nka ‘Open API’ rifasha ibigo by’ikoranabuhanga mu by’imari kwishyura, kohereza amafaranga n’ibindi bikorwa hifashishijwe ikoranabuhanga rya Banki ya Kigali rihuzwa n’iry’ibyo bigo.

API [Application Progamme Interface] ni ikoranabuhanga rifasha gutumanaho hagati ya porogaramu ebyiri za mudasobwa zirenze imwe bidasabye ko zihuza uburyo bw’imikorere, zigahuza amakuru ku buryo ibyari gukorerwa ahantu habiri bikorerwa rimwe.

Banki ya Kigali kuri ubu yashyizeho gahunda zitandukanye zirimo iyitwa BKreative igamije guteza imbere abahanzi, ndetse n’izindi zigamije kongera inguzanyo ku bakora mu rwego rw’ubuhinzi, ibigo bito n’ibiciriritse n’izindi nzego zigira uruhare mu iterambere ry’Igihugu nka siporo.

Amafaranga Banki ya Kigali yishyuye abakiliya bayo babikijemo amafaranga yageze kuri miliyari 13,6 Frw, agabanyukaho 13,3% ugereranyije n’igihembwe cyashize. Ukuyemo ayishyuwe abakiliya iki kigo cyabonye miliyari 57,8 Frw avuye ku nguzanyo.

Banki ya Kigali kandi yinjije miliyari 14,5 Frw yavuye mu zindi serivisi, bingana n’inyongera ya 8,8%, ibona miliyari 9,5 Frw yavuye ku mafaranga akatwa kuri serivisi yatanze, bingana na 26,7%. Aya ni amafaranga yavuye kuri serivisi nko gucunga konti, gukoresha ATM n’izindi serivisi itanga.

Amafaranga BK Group PLC yakoresheje mu mirimo yayo ya buri munsi nko kwishyura abakozi n’ibindi nkenerwa yazamutseho 22,6%, agera kuri miliyari 26,4 Frw.

Umuyobozi Mukuru wa Banki ya Kigali, Dr. Diane Karusisi yavuze ko nubwo mu Isi harimo birantega nyinshi iyi banki ikomeje guharanira gutanga serivisi nziza.

Yavuze ko mbere iki kigo cyahoze kizwi nk’igikorana n’ibigo binini ariko ubu byahindutse, ubu bamanuka bakagera no ku bakiliya bato n’ibigo bito n’ibiciriritse, bakinjira mu nzego zitakirwa n’amabanki cyane nk’ubuhinzi n’izindi.

Ati “Ubu mu gitabo cy’inguzanyo, izingana na 55% zihabwa ibigo binini, 21% zihahabwa abakiliya bato. Aba ni abantu ku giti cyabo n’imiryango. Igitabo cyacu cy’inguzanyo ku bigo bito n’ibiciriritse ni 17,7% mu gihe ubuhinzi nka serivisi nshya bwihariye 5,5% by’inguzanyo. Tuzakomeza kuko dushaka ko inguzanyo duha ibigo binini imanuka kugera munsi ya 50%. Twizeye ko turi kugeza serivisi z’imari no ku byiciro bitazigezwagaho.”

Dr. Karusisi yavuze ko ntako bisa kubona serivisi z’ikoranabuhanga zabo ziri kwitabirwa cyane, agaragaza ko ubu bishimira ko 63% by’abakiliya babo bakoresha uburyo bw’ikoranabuhanga, ibyagabanyije imirongo ku biro byabo bitandukanye.

Yavuze ko n’amafaranga baca kuri serivisi batanga na yo yiyongereye kuko yazamutseho 29,2%, ibigaragaza uburyo abantu bahererekanya amafaranga inshuro nyinshi.

Ati “Guhererekanya amafaranga byariyongereye kuko byageze ku bikorwa miliyoni 6,5 mu gihembwe kimwe bifite agaciro k’arenga miliyari 4000.”

Umuyobozi Mukuru wa BK Group PLC, Dr. Uzziel Ndagijimana yavuze ko iyi ntambwe bayifashijwemo n’ubukungu bw’u Rwanda bwateye imbere mu mwaka ushize bukazamuka ku gipimo cya 9,4 ku ijana.

Yavuze ko nubwo mu mpera za Gashyantare 2026 ubukungu bw’Isi bwazahaye kubera Intambara ya Iran byatumye ubukungu buzamuka mu bihugu byose n’u Rwanda rurimo.

Ati “Icyakora ubukungu bw’u Rwanda bwakomeje kwihagararaho nubwo hari ibyo bibazo, kandi no muri uyu mwaka biteganyijwe ko buzazamuka ku kigero cya 6,8 ku ijana nk’uko IMF yabitangaje.”

Yavuze ko ari muri uyu murongo bakoreyemo bituma urwunguko rwabo rugera kuri 6,9 ku ijana ndetse ko bazakomeza kwagura ibikorwa.

Ati “BK Group yinjiranye imbaraga mu 2026. Inyungu yazamutseho 13,8% ugereranyije n’umwaka washize ndetse urwunguko rugera kuri miliyari 26,9 Frw nubwo ibitwara amafaranga n’imisoro byari hejuru ndetse n’inguzanyo zimwe ziteje ibyago. Igishoro cyacu kirakomeye ndetse bidufasha ku gukomeza gushora muri serivisi za banki, ubwishingizi, ishoramari n’ikoranabuhanga.”

Dr. Ndagijimana yavuze ko nk’ikigo cy’imari bazakomeza guharanira iterambere mu buryo bwitondewe, hirindwa imbogamizi, bafasha u Rwanda guteza imbere serivisi z’imari n’ibindi bifasha u Rwanda gukomeza gutera imbere.

Amafoto: Iraguha Jotham