Imibare ya Banki Nkuru y’u Rwanda igaragaza ko mu gihugu hari banki 11 zifatiye runini ubukungu bw’igihugu kuko kugeza muri Kamena 2025 zari zifite umutungo ungana na miliyari 9.632 Frw, bivuze ko zihariye 67,4% by’umutungo y’ibigo by’imari.
Muri izo banki harimo iz’ubucuruzi icyenda zirimo I&M Bank Rwanda Plc, Banki ya Kigali, BPR Bank Rwanda Plc, GT Bank Plc, Ecobank Rwanda Plc, Access Bank Rwanda Plc, Equity Bank Rwanda Plc, BOA Rwanda Plc na NCBA Rwanda Plc.
Izi zose hamwe zifite umutungo ungana na miliyari 7.675 Frw, aho wazamutseho 22,5% ugereranyije n’umwaka ushize.
Kuzamuka k’umutungo w’izi banki kwaturutse ahanini ku kwiyongera kw’amafaranga ziguriza abaturage, bityo zikabona inyungu, ndetse no kuzamuka k’umubare w’amafaranga abitswa.
Kugeza muri Kamena 2025, inguzanyo zitangwa n’izi banki zazamutseho 15,4% aho zari zifite agaciro ka miliyari ibihumbi 4,9 Frw, gusa zaragabanutse ugereranyije n’umwaka wari wabanje kuko wo zari kuri 16,1% mu 2024.
Uku kugabanuka kw’izamuka ry’inguzanyo kwatewe ahanini n’iyandukurwa mu bitabo by’inguzanyo zitishyuwe no kugabanuka kw’izamuka ry’inguzanyo nshya zatanzwe.
Inguzanyo zanditsweho nk’izitagishobora kugaruzwa zageze kuri miliyari 129,4 Frw kugeza muri Kamena 2025, zivuye kuri miliyari 22,7 Frw zari zanditsweho muri Kamena 2024.
Muri icyo gihe, izamuka ry’inguzanyo nshya zatanzwe ryagabanutse rigera kuri 17%. Zingana na tiliyari 1,2 Frw (miliyari igihumbi n’ibice bibiri) ugereranyije na 25% byari byanditswe mu gihembwe cya mbere cya 2024.
Ishoramari ry’amabanki mu mpapuro za Leta, ugereranyije n’umutungo wose, ryagabanutse rigera kuri 16.7% uvuye kuri 17.7% muri Kamena 2024, bitewe no kugabanuka kw’inguzanyo Leta yafataga imbere mu gihugu.
Uretse kuba amabanki afite inkomoko y’imari ihamye, kongera umutungo shingiro (capital) na byo byakomeje gufasha ibikorwa by’ubukungu. Mu gihe cyasuzumwe, umutungo w’abanyamigabane wazamutseho 31,6% ugera kuri miliyari igihumbi n’ibice umunani (tiliyari 1,8 Frw) muri Kamena 2025, urenga izamuka rya 28.9% ryari ryanditswe mu mwaka wabanje.
Iri zamuka ryatewe ahanini n’iyongera ry’ishoramari ry’abanyamigabane bashyizemo amafaranga (+12%) hamwe n’izamuka ry’amafaranga yabitswe aturuka mu nyungu z’igihe cya mbere (+73.1%).
Uretse izi banki z’ubucuruzi icyenda, hari izindi zifite uruhare mu iterambere ry’ubukungu bw’ibihugu. Izo ni banki zikora nka koperative, harimo ariho ZIGAMA CSS ikoreshwa n’abo mu nzego z’umutekano ibarizwa. Ifite umutungo wa miliyari 1.053Frw, mu gihe Banki y’Igihugu y’Amajyambere (BRD) ifite umutungo wa miliyari 902,6Frw. Ibarizwa mu cyiciro cya banki y’iterambere.
Banki Nkuru y’u Rwanda igaragaza ko iterambere ry’urwego rw’amabanki mu Rwanda ryaturutse ahanini ku ivugururwa n’impinduka zakozwe mu rwego rw’imari rw’igihugu, zirimo no kugabanya urwunguko rwayo.
Ubukungu bw’u Rwanda bukomeje kuzamuka
Raporo y’Ikigo cy’Igihugu cy’Ibarurishamibare, NISR, igaragaza ko umusaruro mbumbe w’u Rwanda wageze kuri miliyari 5.798 Frw mu gihembwe cya kabiri cya 2025, bigaragaza izamuka rya 7,8%, mu gihe wari wazamutseho 6,5% mu gihembwe cya mbere cya 2025.
Imibare igaragaza ko serivisi zagize uruhare rwa 50% mu musaruro mbumbe w’igihugu, ubuhinzi bugira uruhare rwa 23%, inganda zigira uruhare rwa 21%, na ho ibindi bisigaye bigira uruhare rwa 5% mu musaruro mbumbe w’igihugu.
By’umwihariko muri iki gihembwe uruhare rw’ubuhinzi rwazamutseho 8%, urw’inganda ruzamukaho 7% na ho serivisi zazamutseho 9%.
Umusaruro wa serivisi z’amacumbi na restaurants wagabanyutseho 7%, nyuma y’uko wari wazamutseho 18% mu gihembwe nk’iki cya 2024.
Umusaruro wa serivisi z’imari ari naho banki zibarizwa wazamutseho 8%, uw’itumanaho n’ikoranabuhanga uzamukaho 11%, uwa serivisi z’inzego za leta uzamukaho 16%, uw’uburezi uzamukaho 5%, na ho uw’ibikorwa by’ubuvuzi uzamukaho 10%.
