Iyi Banki yihariye 33.4% by’isoko ry’u Rwanda, ni iya kabiri yatangiye gukorera mu gihugu nyuma y’iyahoze yitwa Banque Commerciale du Rwanda (I&M Bank y’ubu) yabimburiye izindi mu 1963.
Mu gutegura ibirori by’iyi sabukuru, Banki ya Kigali yerekanye ko ishishikajwe n’imibereho myiza y’abaturage, ikora ibikorwa byinshi birimo no kurengera ibidukikije, aho yemeye gutanga miliyoni 25 Frw azakoreshwa mu myaka itatu iri imbere mu gutera ibiti 150 000 mu Karere ka Nyagatare gakunze kwibasirwa n’izuba n’amapfa.
Ni byinshi byo kwishimira kuri iyi sabukuru y’ubukombe bwa BK birimo ko mu mezi icyenda ya mbere ya 2016 yabonye inyungu ya miliyari 16.5, mu gihe umutungo wayo wazamutse kuri 13.6%, ubu ikaba igeze kuri miliyari 596.4 Frw, ari nawo munini mu mabanki yo mu Rwanda.
Mu mashami yose uko ari 79 ya BK, abakozi bayo n’abakiriya bakase umutsima bawusangira nk’ikimenyetso cyo kwizihiza isabukuru nziza, no kubereka ko ari abafatanyabikorwa muri byose bityo bagomba no gusangira ibyishimo by’ibimaze kugerwaho no gukomezanya urugendo rw’iterambere.
Mu bice bitandukanye by’igihugu aho abanyamakuru ba IGIHE babashije kugera, byari ibyishimo n’umunezero mwinshi wo kwishimira iterambere bamaze kugezwaho na BK ihora ishishikajwe no guhindura ubuzima bwabo.
Ku cyicaro gikuru cya BK giherereye mu murenge wa Nyarugenge, Akarere ka Nyarugenge, abakiliya bakeje serivisi zihuse bahabwa zirimo; kubitsa, kubikuza, kwaka inguzanyo n’izindi.
Mukashyaka Albertine ati” Maze imyaka itanu nkorana na BK, nza nje kubikuza no kubitsa kandi mbona nta kibazo. Natse inguzanyo bayimpa batangiriye. Serivisi zayo zirihuta cyane kandi ibyuma (ATM) byayo wabisanga ahantu hose.”
Umuyobozi mukuru wa BK, Dr Diane Karusisi yashimiye abakozi n’abakiliya bose ba BK bari hirya no hino mu gihugu, avuga ko gahunda yo kwizihiza isabukuru y’imyaka 50 bizakorwa mu gihe cy’umwaka wose kandi harimo ibikorwa by’akataraboneka ku bakiriya.
Ati”Uyu mwaka tubafitiye ibirori no kubatetesha bidasanzwe. N’ubundi turagerageza ariko uyu mwaka ni umwihariko; uzaba umwaka tuzibuka ko twizihije imyaka 50 Banki ya Kigali imaze.”
Umuyobozi w’inama y’ubutegetsi ya BK, Marc Holtzman yijeje abakiliya ko ibyiza biri imbere kandi byinshi bizibanda ku kwagura serivisi z’imari hifashishijwe ikoranabuhanga.
I Remera na Kimironko BK yasabiwe umugisha
Abakiliya ba Banki ya Kigali baganiriye na IGIHE ubwo batungurwaga no kwisanga mu isabukuru yayo kandi bari baje gusaba serivisi nk’uko bisanzwe, batangaje ko bayisabira umugisha kugira ngo izongere yizihize n’imyaka ijana n’imisago
Ku shami rya Remera 1 ndetse n’Ishami rya Kimironko abakiriya ba BK batangaje ko bishimiye serivisi zayo ndetse akaba ari nayo mpamvu bayigumamo
Ku ishami rya Kimironko Mukeshimana ati “ Muri iyi myaka 50, BK yakoze ibintu bikomeye, nafunguje konti mu 1998, kuva nayifunguza bamfashe neza. Bafunguye amashami ntibigisaba gukora ingendo. Ndashima Imana kubera BK. Ndasabira umugisha BK guhera ku muyobozi mukuru kugeza ku mukozi wo hasi, Imana ibahe umugisha kandi bakomeze bakure.”
Nambajimana Joseph “Nishimiye ko BK yabaye ubukombe ku buryo aho ugeze hose wisanga muri BK . Isabukuru nziza kuri bo, Imana ibahe umugisha”.
Munyankindi Callixte umaze imyaka irindwi akorana na BK, yabwiye IGIHE ko serivisi zayo ziboneka hose mu gihugu zatumye ahitamo gukorana nayo kuko bituma yizera ko aho ari hose aba arikumwe n’amafaranga ye.
Ati “Aho uri hose haba ku mipaka no mu gihugu hagati urabitsa ukabikuza amafaranga yawe, ikindi ku minsi yose barakora.”
Umusaza Aloys Gapira utuye mu Murenge wa Nyakabanda mu Karere ka Nyarugenge amaze imyaka 30 akorana na BK ndetse anashimangira ko yayihisemo bitewe na serivise nziza iha abayigana.
Yagize ati “ Maze imyaka 30 nkorana na BK, ariko byose mbiterwa n’uko nasanze nta Banki ikorera hano mu gihugu iyirusha gukora neza, kubera ko icya mbere n’uko ikora amasaha yose ndetse no mu minsi y’ibiruhuko kandi ikaba inihutisha serivise itanga, ikindi ikaba itanga inguzanyo nta mananiza kandi ikaba idahwema no kugira inama abayigana bose.”
Mu ntara byari ibicika
Mu ntara zitandukanye z’igihugu, abakozi n’abakiriya ba BK basangiye icyanga cy’umutsima w’isabukuru y’imyaka 50. Mu ntara y’Amajyepfo mu karere ka Huye, abakiriya ba BK bayivuze imyato bashimagiza serivisi bamaze imyaka irenga 30 ibagezaho.
Vincent Semuhungu utuye akanakorera mu mujyi wa Huye, avuga ko yatangiye gukorana na BK mu mwaka wa 1980 ati “Nahisemo BK nka banki nziza yubaha abakiriya, banki usaba inguzanyo ntigutererane, banki iha abakiriya agaciro”.
Theophile Mutabaruka umaze hafi imyaka 30 akorana na BK yagize ati “Ni banki nziza amasezerano mwagiranye niyo ikurikiza kandi ikaba hafi y’abakiriya bayo. Kuba bizihiza isabukuru nk’iyi bimbwira ko ibyiza byose byayo aribyo byiza by’abakiriya”.
Mu ntara y’Uburengerazuba mu Karere ka Rusizi, bamwe mu bakiriya b’ishami rya BK muri aka karere, bagarutse kuri serivisi bahabwa n’uburyo bahinduriwe ubuzima n’iriya banki.
Umucuruzi Nyaminani Antoine ati “Nagize amahirwe yo gukorana na BK kuva muri 83, igihe cyose ngeze hano bampa serivise nziza, haba kuri gishe (guichet), serivise zo kwaka inguzanyo. Kuburyo numva nabwira abantu bose kuza muri iyi banki. Ikindi ni uko kuba bazirikanye abakiriya ku isabukuru y’imyaka 50 byaduhaye ishusho nziza.”
Havugimana Flavier yunzemo ati “Nk’umukozi unyuza umushahara muri BK, maze gusaba inguzanyo incuro ebyiri. Ubwa mbere naguzemo imodoka, ubwa kabiri nuzuza inzu yanjye. Nabonye BK ari banki nziza itaruhanya mu gutanga inguzanyo ku bakozi bakorera umushahara.”
Mu mpera za Nzeri 2016, inguzanyo BK yashyize mu baturage ziyongereyeho 35.8%, zigera kuri miliyari 400.5 Frw. Nyuma y’inyungu BK yagize mu mezi icyenda ya mbere ya 2016, amafaranga y’abanyamigabane ba BK yazamutseho 13.7% agera kuri miliyari 107.7 Frw.
Kugeza kuwa 30 Nzeri 2016, BK yatanze serivisi ku bakiliya bato bagera ku 267,000 n’abakiliya banini 26 000, aho yifashishije abayihagarariye 1240, yifashisha amashami 79, ibyuma bya ATM 90, n’abakoresha uburyo bwo kwishyura hifashishijwe amakarita (POS) 983.
Mu 2011 BK yabaye ikigo cya kabiri cy’imbere mu gihugu cyanditswe ku isoko ry’imari n’imigabane, mu 2015 ihabwa igihembo cya African Banker Award cya banki nziza muri Afurika y’Iburasirazuba, mu 2015 kandi yanahawe igihembo cya Euromoney nka Banki nziza mu Rwanda. Kuva mu 2009, BK imaze imaze guhembwa inshuro zirindwi na Emeafinance nka banki nziza mu Rwanda n’izindi esheshatu nka Banki y’umwaka na The Banker.
TANGA IGITEKEREZO