Ku itariki 31 Ukuboza 2023, Equity Bank yatangaje ko kwihuza na Cogebanque byemejwe, ndetse ku itariki ya 3 Mutarama 2024, ahari amashami ya Cogebanque hose harahinduwe hashyirwa ibirango bya Equity Bank.

Ni impinduka zikomeye mu bijyanye n’imari ndetse abakiliya bazitezeho byinshi.

IGIHE yaganiriye n’Umuyobozi Mukuru wa Equity Bank Rwanda, Hannington Namara, wasigaranye inshingano nyuma yo kwihuza na Cogebanque, agaruka ku mpamvu iri gura ryabayeho n’inyungu abantu bakwiriye kwitegamo.

Ku wa 3 Mutarama 2024, ni bwo ahari amashami ya Cogebanque hose hahinduwe hashyirwa ibirango bya Equity Bank

Ni iki cyatumye Equity Bank Group ifata umwanzuro wo kugura Cogebanque?

Equity Group aho dukorera hose, icyifuzo ni uko tuba aba mbere. Mu Rwanda, ubu twari tumaze imyaka 12, ariko nubwo twari tumaze kuba banini ho gato, ntabwo twari twakagera kuri uwo mwanya wa mbere. Aho ni ho havuye guhuza ingufu na Cogebanque no kuyigura, byose bijyanye n’ingamba za banki.

Ingamba za banki rero nk’uko nabivuze ni ukugira banki nziza, ikora neza ariko kandi ifite ubushobozi. Ubushobozi bwa banki bubonekera mu gishoro no mu ngano y’umutungo. Iyo ufite igishoro gito, ntiwakora ibintu binini.

Iyo ushaka gukora ibintu binini, ugomba kugira igishoro kinini. Iyo ni na yo mpamvu kugura Cogebanque byatworoheye kubera ko twabonaga amahirwe dushobora kugira muri iri soko.

Uko tuzi uru Rwanda tumazemo imyaka 12, tubona twakora ibintu binini kurushaho ndetse twagerageje no kubitangira tukabishyiramo amafaranga ariko dukoresheje amafaranga ya bagenzi bacu bo muri Kenya.

Bivuze ko Equity Bank Rwanda itari ifite ubushobozi buhagije bwo gutera inkunga imishinga?

Twafataga hano amafaranga dushoboye gutanga, ariko tukabwira na Equity Kenya ikongeramo. Hari amafaranga twazanye aha muri hoteli kuko kugira ngo ushyire amafaranga mu mushinga nka Marriott, ukenera miliyoni ijana [z’amadolari] zirenga kugira ngo habashe kubaho za Marriott ebyiri, eshatu, enye n’eshanu. Ni amafaranga menshi.

Icyifuzo cyacu rero ni gute twateza imbere u Rwanda, tugashyira amafaranga mu bikorwa by’iterambere, ntitwabigeraho dufite amafaranga make. Ibyo rero bituma dutangira gushakisha.

Kuki mwahisemo kugura Cogebanque?

Ibyashobokaga byari bibiri. Harimo kuvuga ngo dukore iyo bwabaga turebe uko twakuza iyi banki yacu ari yo Equity Rwanda igere igihe izaba nini cyane. Icyo gihe ushobora gutegereza indi myaka itanu cyangwa 10 kugira ngo ubigereho.

Icya kabiri ni ukureba niba haboneka amahirwe yo guhuza n’indi banki kuko biratworohera ari naho havuye igitekerezo cyo kugura Cogebanque kuko twarebye aho yari igeze, tubona nayo kugira ngo izabashe gukura irenge aho iri, byari kuzayikomerera kubera ko ari banki yari mu Rwanda honyine kandi ukabona ko banki ziri mu Rwanda zitari mu bindi bihugu, bizigora gutera imbere.

Bivuze ko na Cogebanque yari ikeneye kwiyunga n’indi ngo yaguke?

Cogebanque yari igeze aho ikenera kwiyunga n’indi banki nini ifite isoko mpuzamahanga ryagutse. Byombi wabihuza; yaba icyo Equity yashakaga n’icyo Cogebanque yashakaga, ugasanga kuzihuza ari cyo cyabyara amahirwe dushaka. Igitekerezo rero cyo kugura Cogebanque ni aho cyavuye cyane cyane.

Kwihuza byahaye banki ubuhe bushobozi ku isoko?

Kuba twahuje izi banki zombi byatanze igishoro ku buryo gushyira amafaranga mu mishinga ya miliyoni zirenga 25 z’amadolari ya Amerika cyangwa miliyari 25 Frw birashoboka. Iyo mishinga sinzi ko ari myinshi, sinzi niba inahari ariko izajya ibona amafaranga byihuse.

Bivuyemo amahirwe cyane cyane ku bakiliya bacu, kubona ayo mafaranga menshi ariko twanagutse kuko amashami 19 twari dufite hiyongereyeho 28 ya Cogebanque.

Ubwo ni ukuvuga ko ibaye nini, abantu bazajya babona aho bajya kubitsa cyangwa kubikuza cyangwa n’utundi duce tutari turimo Equity Bank bagiye guhita bayibona.

Tugiye kujya tubaha serivisi, tubateze imbere, tumenye ibyo batwifuzaho kuko ubusanzwe byatugoraga kubera kutahagira amashami ariko ubu dufite amashami ahantu hose, bizajya bitworohera kugera ku mugambi dushaka wo guteza imbere Abanyarwanda.

Icya kabiri, Equity ingufu zacu ziba cyane cyane mu ikoranabuhanga. Abakiliya ba Cogebanque nubwo bagiraga ikoranabuhanga ariko ryari riciriritse.

Ubu rero na bo bagiye kuba bamwe mu bagize Equity bityo bakoreshe ikoranabuhanga dukoresha ririmo kubitsa no kubikuza hakoreshejwe telefoni, kubona inguzanyo mu buryo bworoshye, uburyo bwo kwiteza imbere bakenera kuri banki, ubu biraborohera cyane.

Ubu aba-agents bacu bikubye kabiri, uko abantu bakwishyura hakoreshejwe amakarita nabyo byikubye kabiri mbese ku Banyarwanda no ku bakiliya ba banki zahujwe zombi; bafite amahitwe adasanzwe.

Mbere yo kugura Cogebanque, buri banki yari ifite ubushobozi bungana bute mu gutanga inguzanyo?

Tutarazihuza, Cogebanque yari iri kuri miliyari 10 Frw nk’amafaranga menshi ishobora gutanga, Equity yari kuri miliyari 14 Frw ni yo menshi yashoboraga gutanga. Ubu rero byose ubishyize hamwe ni miliyari 24 Frw ku buryo ubu umukiliya yajya ku ishami ashaka ryose agasaba amafaranga ashaka bakayamuha.

Umuyobozi Mukuru wa Equity Bank Rwanda, Hannington Namara, yahawe inshingano yo kwagura iyi banki ikikuba kabiri mu myaka itarenze itatu

Ni ibiki bigiye guhinduka uwahoze ari umukiliya wa Cogebanque yakwitega?

Abahoze ari abakiliya ba Cogebanque ari na bo mbwira cyane, ndashaka gutanga ihumure. Nta na kimwe habe na kimwe kiri bugabanuke ku byo mwari musanzwe mubona; yaba amakarita yanyu, za sheki, yaba ikoranabuhanga rikoresheje telefoni, yaba umubare w’ibanga wakoreshaga kuri internet n’ahandi, nta na kimwe kiri buhinduke.

Gusa uzajya winjiramo nukanda akanyenyeri kumwe wagakandaga, ubone Equity. Ntuzajya ubona Cogebanque. Uzajya ugana ku ishami wasangaga ryanditseho Cogebanque, usange ryanditseho Equity.

Nta kintu na kimwe rero kiri busubize inyuma serivisi ahubwo icyo twifuza ni uko iri huzwa turikuramo ubushishozi na serivisi nziza dukoresheje cyane cyane ikoranabuhanga nk’uko nabivuzeho.

Tugomba gutanga serivisi nziza kuko ubu dufite banki nini, aba-agents benshi na za ATM nyinshi.

Bivuze ko sheki n’amakarita bya Cogebanque bitazigera bihinduka?

Ku makarita, tuzagira igihe cyo kuyahindura, tuzabanza tubakorere amakarita yanyu, hanyuma tubabwire muzane iya Cogebanque tubahe iya Equity. Ni kimwe na sheki n’ibindi.

Ibyo tuzagenda duhindura, tuzabikora ku bwumvikane hagati yacu n’abakiliya, ariko bidateje icyuho ku buryo wavuga ngo hari serivisi yahungabanye.

Ibintu byose twarabitunganyije kandi twabiteguye neza ku buryo uwakoreshaga Cogebanque ubu akoresha serivisi za Equity nta nkomyi. Ni ibintu byiza mbona ko bizababera byiza kurusha uko bari babayeho muri Cogebanque.

Iri gura ryarihuse mu buryo abantu benshi batatekerezaga. Byatewe n’iki?

Ibiganiro bitangira, twabitangiye mu mpera za Mata ariko muri Kamena, twemeranyije na Cogebanque n’abanyamigabane bayo ko ku italiki 30 Ukwakira bigomba kuba byarangiye byose.

Twagiye rero muri gahunda zo gushaka impushya za BNR n’ibindi byangombwa n’ibya Banki Nkuru y’Igihugu ya Kenya ku buryo gushaka izo mpushya zose byadutwaye amezi hafi atatu.

Gusa muri ayo mezi atatu icyo twakoraga, inyuma twabaga twitegura kuko twari tuzi neza ko iyo tariki nigera tugomba guhuza izo banki.

Ubwo rero twarateguye neza, uko ikoranabuhanga bizagenda, abantu bizagenda bite? Izina bizagenda gute? Ku buryo twateguye ibintu neza kugeza aho kubishyira mu bikorwa bitagoranye.

Itariki ya 30 Ukwakira zigeze, ntitwabashije gusoza ariko dusaba ko batwongera indi minsi 30. Ibyo nabyo byongeye kuduha umwanya wo gutunganya ibintu kurushaho tukareba niba hari akantu twari twaribagiwe tukagashyira ku murongo. Kugeza rero ku itariki 30 Ugushyingo, twari dufite igenamigambi rizwi mu kuzihuza ku buryo uko ibintu byagombaga gukurikirana byari bizwi.

Ni na yo mpamvu mwabonye ko mu cyumweru kimwe kitanarangiye byose twabisoje.

Kimwe n’uko twateguye ibindi rero n’ibirebana n’abakozi nabyo twari twarabiteguye. Kuko twaravugaga tuti “nitumara guhuza izi banki zombi zizabyara iki”? Ese hazakenerwa abayobozi bangahe? Hazakenerwa amashami angahe kugira akazi gakorwe neza buri shami ryuzuza neza inshingano zaryo?

Hanyuma ku bijyanye n’abakozi ba banki zombi ho byagenze bite?

Tumaze kubitegura neza, ubwo twagiye tunareba abakozi baba abari abacu n’abahoze ari aba Cogebanque, tukagereranya. Niba hano hari Umuyobozi Mukuru na hariya hari undi, ni inde waba ufite ubushobozi buhagije bwo kujya muri banki zamaze gukomatanywa?

Byose twarabiteguye kuva ku muyobozi mukuru kugeza ku wo hasi ku buryo igihe cy’impinduka cyageze tuzi ngo kanaka azajya aha undi aha.

Ubwo twarabiteguye tubiha Inama z’Ubutegetzi za banki zombi, zirabyiga zibona ko bikwiye maze zitanga uburenganzira bwo kubishyira mu bikorwa.

Birumvikana rero iyo uhuje ibigo bibiri kandi byose byari bihuje inzego z’ubuyobozi zijya kuba zimwe, byari ngombwa ku buryo niba wenda wari usanzwe ukuriye agashami ka siyansi, ubwo umwe aba agomba gukomeza undi agahabwa akandi kazi cyangwa akavamo.

Uko twabigenje rero tumaze kubona ishusho y’uko banki nshya izaba imeze, abasigaye tubaha amahirwe.

Nayoboraga ibijyanye n’imari uyu munsi ariko hari ikindi nshoboye kuba nakora. Nshobora gukora imenyekanishabikorwa n’ibindi. Byose twagiye tubyigaho duha amahirwe abakozi kugira ngo na bo bafate iyo mirimo.

Ni abakozi bangahe batakaje akazi muri uru rugendo?

Tumaze gukora ibyo byose, abatarabonye imyanya ni abakozi 70. Kuri Equity havuyemo abakozi 10 naho kuri Cogebanque havamo abakozi 60. 70 ni bo batabonye akazi muri banki nshya.

Uko banki yaguka, ni nako ikenera abakozi benshi, sinshidikanya ko mu myaka itari myinshi iyi banki izaba yakuze. Rero izakenera abandi bakozi ku buryo n’abo batabonye imyanya muri iyi nshya, bashobora kuzagaruka nta wamenya.

Tariki ya 3 Mutarama 2024, ni umunsi wawe wa mbere w’akazi muri iyi banki nshya. Ni izihe nshingano abayobozi bakuru baguhaye, ni he bashaka kugeza iyi banki?

Inshingano nyamukuru bampaye, ni uko uko iyi banki ingana igomba kwikuba kabiri mu myaka itarenze itatu. Urumva niba umutungo, ubu turi hafi kuri miliyari 900 Frw, tugomba kwikuba kabiri.

Inguzanyo ubu turi hafi kuri miliyari 500 Frw duhuje twembi na zo zigomba kwikuba kabiri. Abakiliya babitsa, bigeze kuri miliyari 700 Frw uyu munsi, bigomba kwikuba kabiri. Urumva rero inshingano mfite hamwe n’itsinda nyoboye, nubwo bitoroshye ariko nidufatanya n’abakiliya bacu tuzabigeraho.

Ingamba dufite, serivisi dutanga, turareba tubona twabigeraho bitaturuhije nk’uko twanabikoze mu myaka 12 ishize na cyane ko ubu noneho dufite ubushobozi buhagije.

Ni izihe gahunda zihariye muteganyiriza abafite ubucuruzi buto n’ubuciriritse?

Ku bindi byagendeweho ntaragera ku mbogamizi; Cogebanque yari ifite ibigo bito n’ibiciriritse (SMEs) kandi ni ho twifuza kugana, kuko guteza imbere igihugu bikorwa ari uko urwego rw’abikorera rumeze neza kandi ruba rugirwe n’ubu bushabitsi buto buto.

Iyo ukoranye n’ababukora ukabaha amafaranga neza bakaguka, ku buryo byagera no ku isoko rirenze iry’u Rwanda, ni bwo wabona ko hari icyo wakoreye igihugu mu iterambere.

Kubera ko Cogebanque yari ifite bene abo bakiliya bayo benshi, tukaba ari bo twifuza gukorana na bo, rwose ndabibona nkabona ko ibyo dushaka n’ibyo bashaka tubihuriyemo ku buryo bizavamo ikintu kigari.

Ni izihe mbogamizi mwabonye ubwo mwasesenguraga iri huza ku buryo zishobora kubitambika mu rugendo?

Imbogamizi ya mbere burya ni impinduka. Impinduka iyo ari yo yose itera impungenge. Itera abantu gutekereza ukundi, haba ku bakiliya cyangwa abakozi harimo kwibaza bati “ese buriya tuzagumana?”.

Ese abantu baduhaga serivisi ni bo bazakomeza kuduha serivisi, ese serivisi yanjye kuri telefoni no kuri mudasobwa bizaguma uko byari bimeze? Ibyo twari tubizi ko bizamera bityo.

Ikindi, guhuza ibigo bibiri byari bifite imikorere itandukanye, burya hari icyo bita umuco wa buri kigo ariko turareba niba imico y’ibigo byombi niba kuyihuza bizoroha kugira ngo bigende neza.

Rero twari tuzi ko mu ntangiriro bishobora kugorana binatuma dushyira amafaranga menshi mu mahugurwa, tugahugura abakozi ba Cogebanque bose bakamenya umuco wa Equity Bank kuko tugira uwacu.

Tugira indangagaciro zacu zituranga, maze tugira umuco umwe twese, tukamenya gutanga serivisi nziza, gukora tutizigamye. Ibyo rero ntibyakwikora umunsi umwe kuko imyumvire iba itandukanye.

Abayobozi n'abakozi ba Equity Bank bishimiye gutangira umwaka bari mu cyerekezo gishya cyo kurushaho kwaguka kwa banki yabo

Ubushize hari banki zihuje, ariko nyuma yaho ikoranabuhanga riba ikibazo gikomeye. Mwe nta mpungenge mufite ko bishobora kugenda gutyo?

Equity twari dufite ikoranabuhanga ryitwa Finaco dukoresha, mu gihe Cogebanque yo yakoreshaga iyitwa Delta. Kugira ngo izo sisiteme uzihuze cyangwa kujyana amakuru y’abakiliya ba Cogebanque uko ameze ukayageza mu ya Equity, ntabwo byari byoroshye ariko kubera ko twari twarabyize neza nubwo bigoye, twarabikoze kandi tubona bigenda bicamo neza.

Impinduka rero ahanini zitera impungenge ariko ibyo byose kuva ku isoko, kuva ku bakiliya, kuva kuri ikoranabuhanga, twari twarabyizeho tureba buri kimwe twagikorera iki.

Ahanini, ikigoye ni ugusangira amakuru nk’uku kuko ibyinshi twarabiteguye biteguye neza, twararebye turakosora, nta kibazo navuga ko gihangayikishije keretse icyavuka nyuma.

Abakiliya bacu ntibagire impungenge kuko no kuri uyu munsi wa mbere twafunguye, ishami waganaho ryose wasanga abakozi bari gukorera muri sisiteme neza. Ubwo ndavuga ku mashami yari asanzwe akorerwamo na Cogebanque.

Ku yandi mashami yacu asanzwe ho ni ibisanzwe ni ugukomeza, ariko ku mashami yakorerwagaho na Cogebanque ni yo mpamvu twabanje gutanga amahugurwa kugira ngo bigende neza. Sinshidikanya ko rero tuzatanga serivisi nziza nk’uko tubyifuza.

Hanyuma ni iki wabwira abantu bamaze igihe kinini binubira ko inyungu ku nguzanyo ziri hejuru?

Buriya ikiguzi cy’inyungu ku nguzanyo ntabwo burya gishingira cyane ku bushobozi bwa banki, ahubwo gishingira cyane ku cyemezo gikomeye iba ibona igiye gufata; byumvikane ko banki zitandukanye kuko twese dukoresha ibyitwa “Risk Based Pricing”.

Kuba rero duhuje banki zombi bikarema ikintu kinini, biranashoboka ko byatanga n’amahirwe ku kugabanya inyungu ku nguzanyo ariko ntabwo ari cyo cyagenderwaho cyonyine kubera ko ibyo dutanga bitandukanye, binagira ibyemezo bikomeye bitandukanye bibishingiyeho.

Ariko ugiye kureba muri rusange ku bijyanye n’inyungu ku nguzanyo, ntabwo igiciro cyayo kiri kuri banki yonyine, ahubwo ni isoko ryose.

Mbona uko dukomeza kugira banki zifite ubushobozi nk’uko duhuje iyi, ari nako bizagenda bivamo guhatana kwiza, bikavamo imikorere myiza no kugabanya ikiguzi cy’imikorere y’ikigo. Ibyo byose iyo ubihurije hamwe, sinshidikanya ko byabura kuvamo amahirwe ku bakiliya bacu.

Kugabanya igiciro cy’ikiguzi ku nguzanyo, ni ikintu rwose twigaho buri munsi ndetse si twe twenyine dufatanya n’ibindi bigo na BNR tukareba uko twagabanya ikiguzi ku nguzanyo kuko uko bigenda bityo ni nako abantu biteza imbere kurushaho, kandi uko biteza imbere ni nako turushaho kugira abakiliya benshi.

Icyo gihe rero biba ari uruziga ku buryo ntashidikanya ko bizaba nubwo uyu munsi ntakubwira ngo bizaba ryari cyangwa ngo nkubwire ngo ni umubare uyu n’uyu, nzi neza ko hari icyiza kizavamo kuko iyo uhuje banki zombi nka gutya hari ikiguzi kigabanuka.

Iri huzwa rero rikwiye kuvamo amahirwe ku bakiliya bakabona ko ryazanye amahirwe. Tuzabyigaho nabyo nk’uko mbibasezeranyije tuzabinononsora kandi simbona icyatuma tutagabanya n’igiciro cy’inyungu ku nguzanyo.