Ni inshingano zahuriranye n’uko n’ubundi Isi ikiri mu bihe bya Covid-19, byahungabanyije ubukungu ndetse bikanagira ingaruka ku rwego rw’amabanki, yaba ayo mu Rwanda ndetse no ku rwego rw’Isi.

Birumvikana ko Cogebanque atari umwihariko, kuko iyi banki yatangiye mu 1999, yagize igabanuka rya 4.7% ugereranyije inyungu ya nyuma y’umusoro mu 2019, yari miliyari 4 Frw ndetse n’iya 2020, yari miliyari 3.8 Frw, bitewe n’ingaruka z’icyorezo cya Covid-19.

Habarugira yavuze ko yishimiye inshingano nshya yahawe, avuga ko azaharanira kugera ku cyo abakiliya ba Cogebanque bifuza kuko ari cyo gisobanuro cy’inshingano yahawe.

Yagize ati “[Guhabwa izi nshingano] nabyakiranye guca bugufi. Ni inshingano zo gukorera ikigo, gukorera abakozi, baba bifuza ko tubafasha kuzuza inshingano zabo. Ni ugukorera abakiliya bacu bifuza ko serivisi zacu zibageraho neza, ibyo twakoraga neza tukabikomeza, n’ibindi bifuza ko dushyiramo ingufu tukabikora.”

Cogebanque ihagaze neza nyuma yo guhangana na Covid-19

N’ubwo inyungu ya Cogebanque yagabanutse mu 2020, Habarugira yavuze ko muri rusange yasanze banki ihagaze neza mu bikorwa byayo, ndetse akaba afite icyizere cy’uko izakomeza gufasha abakiliya bayo guhangana n’iki cyorezo.

Yagize ati “Nasanze Cogebanque ihagaze neza, nasanze abari mu buyobozi barakoze ibishoboka mu guhangana n’iki cyorezo. Twongereye igihe cyo kwishyura inguzanyo ku bakiliya bacu bakora mu nzego z’amahoteli n’ubwikorezi bagizweho ingaruka na Covid-19.”

Uyu muyobozi kandi yavuze ko ibyo bagezeho muri uyu mwaka byanatewe n’ingamba za Leta y’u Rwanda mu guhangana n’iki cyorezo.

Muri rusange, inguzanyo zitishyurwa neza mu mwaka wa 2020 zarazamutse muri Cogebanque zigera ku 8%, hejuru y’igipimo cya 5% gisabwa na Banki Nkuru y’u Rwanda.

Habarugira yasobanuye ko iki kibazo kizakemuka mu minsi ya vuba “Kuko ibikorwa birimo kugenda bifungurwa, ubukungu buri kuzamuka muri rusange.”

Yasobanuye kandi ko Cogebanque igifite ubushobozi bwo gukomeza gutanga inguzanyo ndetse no gukora ibikorwa byayo, amara impungenge abakiliya ba Cogebanque kuko “Banki igifite ubushobozi bwo kwita ku byifuzo byabo.”

Yagize ati “Nta mpungenge bakwiye kugira. Dufite abanyamigabane batwumva kandi bafite ingufu ndetse banifuza ko dushyira ingufu… ntabwo amafaranga twayabuze, nta cyahindutse, ahubwo uko ubukungu bugenda butera imbere, abantu bazakomeza kwishyura neza kuko turabakurikirana.”

Ikoranabuhanga rigiye guhabwa intebe muri Cogebanque

Habarugira yavuze ko hari byinshi icyorezo cya Covid-19 cyigishije Cogebanque, birimo cyane cyane guteza imbere ikoranabuhanga mu bikorwa byayo, yaba ibireba abakiliya ndetse n’ibireba imikorere ya banki muri rusange.

Yagize ati “Bizaba ngombwa guhindura imikorere, tukongera ikoreshwa ry’ikoranabuhanga no kubasha kwegera abakiliya mu buryo bwihuse. Ni imishinga yari isanzwe ihari, ariko iki cyorezo cyatweretse ko nta bundi buryo buhari, bityo ko tugomba kwihutisha ibyo bikorwa.”

Uyu muyobozi yavuze ko bazibanda ku bacuruzi bacururiza kuri murandasi (e-commerce) ndetse bakazanafasha abakiliya kurushaho kwinjiza ikoranabuhanga mu bikorwa bya banki.

Habarugira avuga ko bageze kure imigambi yo kuvugurura ikoranabuhanga basanzwe bakoresha muri banki, kugira ngo bazahere aho baryagura rigere no ku bakiliya bayo.

Yagize ati “Ntawe utanga icyo adafite. Natwe imikorere yacu tugiye kongeramo ikoranabuhanga, turimo kubikoraho kandi turabyumva. Tugomba kubona uburyo bwihuse bwo gukora kuko bituma akazi kagabanuka, bikadufasha gukora mu buryo burambye, ku buryo tuzanabisangiza abakiliya bacu natwe tubikora.”

Ishusho ya Cogebanque mu mwaka wa mbere wa Habarugira

Nyuma yo kwinjira mu nshingano, Habarugira Guillaume, yavuze ko mu mwaka we wa mbere, azongera umuvuduko w’uburyo Cogebanque isubiza abakiliya bayigana bifuza inguzanyo n’izindi serivisi.

Yagize ati “Icyo abantu bazabona ni uko muvuduko dusubirizaho ugiye guhinduka mu gihe cy’umwaka umwe. Uburyo dusubiza abakiliya, ari abaje batugana bashaka inguzanyo, nabizeza ko rwose mu gihe cy’umwaka umwe, bazajya bamenya niba inguzanyo bayihawe cyangwa se hari ibindi bisabwa.”

Uyu muyobozi kandi yavuze ko yifuza kongera uburyo Cogebanque yinjizamo amafaranga, ntibushingire gusa ku nyungu iyi banki yunguka ku nguzanyo ndetse n’amafaranga ya serivisi.

Ubusanzwe inyungu ya Cogebanque ishingiye ku ituruka mu nguzanyo iyo banki itanga, igize 81% by’inyungu ya Cogebanque; 17% gasigaye gaturuka mu nyungu iyi banki ikura muri serivisi zindi itanga (NFI), mu gihe 2% gaturuka mu bindi bikorwa.

Habarugira yavuze ko mu mwaka umwe uri imbere, ibi byose bizahinduka, inyungu ya Cogebanque ikajya ishingira no ku bundi bucuruzi iyi banki itanga.

Yagize ati “Tugiye kuba banki ya serivisi, ntitube banki yo gutanga inguzanyo gusa. Turifuza ko mu mwaka umwe, inyungu zituruka ku zindi serivisi dutanga zizagera kuri 21%. Ubusanzwe turakurikirana tukamenya ibibazo abakiliya bacu bahura nabyo, tukareba niba tudafite ubushobozi bwo kubibacyemurira.”

Izindi mpinduka zizibanda ku kongerera ubushobozi ku bayobozi b’amashami ya Cogebanque, ku buryo ibyemezo bifatwa vuba kandi bikaba bikemura ibibazo byagaragajwe.

Yagize ati “Turifuza ko mu minsi iri imbere, abayobozi b’amashami bazaba bafite ububasha bwo gufata ibyemezo bimwe na bimwe, ntibibe ngombwa ko ibyemezo byose bifatirwa hano [ku cyicaro gikuru], ahubwo tukabashakira uburyo abantu begereye abakiliya bashobora gufata ibyo byemezo.”

Muri rusange, Cogebanque yatanze inguzanyo zingana na miliyari 158 Frw mu 2020 zivuye kuri miliyari 144 Frw mu 2019. Iyi banki kandi yakiriye miliyari 213 Frw zibikijwe n’abakiliya mu 2020 zivuye kuri miliyari 179 Frw mu 2019.

Cogebanque ifite imiyoboro myinshi ikoresha mu kugeza serivisi zinoze ku bayigana harimo amashami 28 n’aba-agents 600 ifite hirya no hino mu gihugu, imashini za ATMs zigera kuri 36, Internet Banking na Mobile Banking (*505# na Coge mBank) byemerera abakiliya kubitsa no kumenya uko konti zabo zihagaze batagombye kujya ku mashami. Inafite ikarita ya Smartcash ifasha kwishyura no kubikuza mu Rwanda n’amakarita ya Mastercard (Debit, Credit na Prepaid) afasha abayakoresha kwishyura no kubikuza ku Isi hose.

Umuyobozi Mukuru wa Cogebanque Plc, Habarugira Ngamije Guillaume, yijeje kurushaho guteza imbere iyi banki y'ubucuruzi iri mu zihagaze neza mu Rwanda