Umuyobozi Mukuru wa BPR Bank Rwanda Plc, Mutesi Patience, yagaragaje ko mu bintu bishobora gutuma arara adasinziriye, ari ibitero by’ikoranabuhanga bishobora kugabwa kuri banki.

Yabigarutseho mu kiganiro The Long Form na Sanny Ntayombya, aho yavuze ku kuba banki z’Abanyarwanda na BPR Bank irimo zigurwa n’abanyamahanga, ari intambwe nziza iba itewe ku gihugu mu gukurura ishoramari no kwihuza n’ibindi bihugu mu bijyanye n’imari

Uyu muyobozi yagarutse ku ngingo zitandukanye zirimo ikoreshwa ry’ikoranabuhanga, AI, igurwa ry’ibigo by’imari by’imbere mu gihugu, inguzanyo z’amabanki ku bigo bigitangira, ahazaza h’amabanki n’ibigo by’itumanaho mu rwego rw’imari n’ibindi binyuranye.

Uyu muyobozi yavuze ko mu buzima bwa buri munsi nk’umuyobozi mukuru, akunze kwita cyane ku bintu bitatu by’ingenzi bikunze guhagayikisha amabanki by’umwihariko mu Rwanda.

Ati “Ibintu bitatu bishobora gutuma ntasinzira nijoro, icya mbere ni ibitero by’ikoranabuhanga. Ntabwo uba uzi aho ushobora gutererwa nka banki, nubwo tuba twarubatse uburyo bw’ubwirinzi ariko ntabwo wamenya. Nka BPR bank kuva twakwihuza no guhera mbaye umuyobozi ni byo twagiye tugira ibibazo ariko ntabwo navuga ko ari ibitero by’ikoranabuhanga.”

Yakomeje ati “Icya kabiri ni imyenda. Kubera ko twashoye 90% by’igishoro cyacu mu gutanga imyenda (inguzanyo) ku byo twibwira ko bishora kubyara umusaruro ariko ntabwo tuba dufite ubushobozi bwo kugenzura ibishobora kugenda nabi. Ibyiza bihari ni uko amategeko abereyeho ku kurinda…ikintu cy’uko hari icyaba kibi ugahomba amafaranga yawe, ukandika mu gitabo cy’inyugu zahombye na cyo ni indi mpamvu.”

Yavuze ko icya gatatu gishobora gutuma arara adasinziriye kijyanye n’abakozi, kuko usanga abafite ubushobozi bwo gukora mu nzego z’imari ari bake ku buryo haba hari impungenge ko mu gihe watakaza umukozi umwe bishobora kugira uruhare mu kudindiza ishoramari ryawe.

Mutesi yemeje ko mu rwego rwo guhangana na byo hari gushyirwa imbaraga mu ikoresha ry’ikoranabuhanga mu kubaka urwego rukomeye.

Ati “Ibintu by’ingenzi ntekereza umunsi ku wundi, ni ikoranabuhanga n’impinduka muri ryo kuko rikomeje gutera imbere mu buryo bwihuse kandi nanjye ngomba kwizera ko turi gushora mu kubaka ikoranabuhanga rizageza banki ku rundi rwego.”

Yongeyeho ati “Ikintu cya kabiri ni uguteza imbere impano. Ni gute natuma banki igira abantu bafite impano zidasanzwe, gute nabubakira ubushobozi? Rero gushora mu gukurura, guteza imbere no kugumana abakozi bafite impano, uzi neza ko ihiganwa rikomeye kandi abakozi bafite ubushobozi ni bake, na bake ufite utangira kubona ko bageramiwe. Rero ni gute nakwizera ko bazakomeza gufashwa ku buryo bakomeza gukorana na BPR Bank Rwanda?”

Mu gihe ikoreshwa ry’ubwenge buhangano mu nzego zitandukanye rikomeje guhangwa amaso mu guhindura byinshi no kunoza imikorere, Mutesi yavuze ko no mu mabanki rikwiye gukoreshwa.

Yagaragaje ko hari imirimo itandukanye banki zishobora kwifashishamo AI nko gufata ibyemezo ku nguzanyo, kugenzura inyandiko zisaba n’izindi zinyuranye.

Yemeje ko na BPR Bank ikomeje kureba uko yakoresha AI nubwo yagaragaje ko abakiliya bayo benshi biganjemo abagikeneye guhura cyane n’abantu mu guhabwa serivisi ari nayo mpamvu usanga amabanki afite amashami menshi hirya no hino mu gihugu.


Umuyobozi Mukuru wa BPR Bank Rwanda Plc, Mutesi Patience, yagaragaje ibikunze kumuraza ishinga birimo ibitero by’ikoranabuhanga bishobora kugabwa kuri banki
Igurishwa rya BPR Bank n’ahazaza h’amabanki mu Rwanda

Ubwo yabazwaga ku bijyanye no kuba ibigo by’imari by’Abanyarwanda birimo na BPR Bank Rwanda bigurishwa ku Banyamahanga niba nta mpungenge bikwiye gutera, yashimangiye ko zidakwiye kubaho mu gihe igihugu kiri gushaka kuba igicumbi mu by’imari muri Afurika.

Yavuze ko kugurishwa kwa Banki y’Abaturage byatumye habaho guhuza imbaraga no kuyiteza imbere kurushaho no kubakira abakozi ubushobozi binyuze mu gukorana n’ibindi bigo bibarizwa muri KCB Group.

Ati “Icyo twifuza cya mbere ni igihugu gihujwe n’ibindi bihugu, kugeza ubu ntabwo dufite uburyo buduhuza nk’akarere no ku rwego mpuzamahanga mu by’imari. Iyo urebye banki zacu zo mu Rwanda inyinshi usanga ari izo mu Karere ariko ntabwo twihuje n’uruhando mpuzamahanga. Wabyemera utabyemera, izo banki mpuzamahanga zikurikira abashoramari mpuzamahanga, kandi abo bashoramari nabo barazikurikira.”

Yashimangiye ko igikwiye kurebwaho ari uburyo izo banki zishora mu guteza imbere iterambere n’ubukungu bw’igihugu aho gushingira kuri banyirazo.

Yavuze ko nubwo BPR Bank yaguzwe n’abanya-Kenya ariko ibyemezo bishingiye ku mafaranga itanga bifatirwa imbere mu gihugu cyane ko abayobozi benshi ari Abanyarwanda.

Ati “Uyu munsi nko muri BPR, nta cyemezo na kimwe kirebana n’inguzanyo gifatirwa hanze y’u Rwanda. Inama y’ubutegetsi mu bantu icyenda harimo babiri batari Abanyatwanda, komite ishinzwe inguzanyo y’abantu batanu harimo umwe gusa utari Umunyarwanda, mu bayobozi bakuru ba Banki harimo babiri gusa mu bantu 10…kuri njyewe icy’ingenzi ni uburyo ayo mafaranga ari gukoreshwa mu guteza imbere ubukungu bw’igihugu.”

Yagaragaje ko 90% by’ishoramari rya BPR Bank ari inguzanyo itanga, kandi biri kugira uruhare mu guteza imbere urwego rw’abikorera nabo bagateza imbere ubukungu n’iterambere ry’u Rwanda.

Imibare igaragaza ko 96% by’Abanyarwanda bagerwaho na serivisi z’imari ariko 22% gusa ari bo bakoresha amabanki abandi bakoresha ibigo by’itumanaho nka MTN Momo na Airtel Money.


Yerekanye ko amabanki akwiye kwimakaza imikoranire n’ibi bigo mu kurushaho koroshya uburyo akorana n’abakiliya bayo kugira ngo abayakoresha biyongere ugereranyije n’ibigo by’itumanaho biri mu rwego rw’imari.

Raporo ya Banki Nkuru y’u Rwanda, igaragaza uko ubukungu bwari bwifashe mu mezi atandatu abanza ya 2025, yagaragaje ko ingano y’amafaranga yahererekanyijwe hakoreshejwe telefone yazamutseho 58%, igera kuri miliyari 13.659 Frw.

Ku bijyanye n’inguzanyo, Mutesi yagaragaje ko ibigo bigitangira bitaba bikwiye kwishingikiriza kuri zo ahubwo ko hakwiye gutezwa imbere uburyo bwo kubyubakira ubushobozi ubona ko bukirimo intege nke.

Yavuze ko Banki ziba zikeneye gushora imari aho izunguka kuko iba ikoresha amafaranga y’abakiliya bayo ari nayo mpamvu usanga abagitangira ibikorwa by’ishoramari badahabwa inguzanyo nk’uko baba babyifuza.


Umuyobozi Mukuru wa BPR Bank Rwanda, Mutesi yavuze ko igurwa ry’ibigo by’imari by’abanyarwanda ari intambwe nziza ku iterambere ry’urwego rw’imari

Mutesi Patience yavuze ko abagitangira ishoramari badakwiye kwishingikiriza ku nguzanyo