Banki ishinzwe iterambere mu Rwanda

**Banki y’iterambere y’u Rwanda**, bakunze kwita  **(BRD)**, ni banki y’iterambere mu Rwanda . Ni imwe muri banki zemewe na Banki nkuru y’u Rwanda, ariyo mugenzuzi w’amabanki mu gihugu. 

## Incamake
Banki yatangiye ibikorwa byayo muri 1967, nkumuntu utanga serivisi zigihe kirekire zitanga serivise yimari, inkunga ikaba igamije imishinga yiterambere ryigihugu. Muri Mata 2011  , umutungo wose wa banki wagereranije hafi miliyoni 122 z'amadolari ( miliyari 72 z'amanyarwanda), hamwe n’abanyamigabane bangana na miliyoni 42.3 z'amadolari ( miliyari 25 z'amanyarwanda ) 

## Ibice byo gutabara
Ibice bafasha birimo ibi bikurikira: 

* Ubuhinzi;
* Ibyoherezwa mu mahanga & Inganda;
* Inguzanyo z'abanyeshuri;
* Ingufu;
* Imiturire & Ibikorwa Remezo;
* Ubukungu bwa Digital;
* Ibikorwa Remezo .

## Imishinga idasanzwe
Banki ishinzwe iterambere yu Rwanda itanga ibicuruzwa byiza kubakiriya bayo. Aba ni :

**[https://www.brd.rw/#specialfunds Imishinga idasanzwe]** iminshinga idasanzwe :

* Kugera kubikoresho byo gutanga inkunga
* Jya Mbere
* Cana Uhendukiwe
* Guteka neza
* Gira Iwawe
* Ikigega cyo Kwohereza ibicuruzwa hanze
* Hatana

**Inguzanyo**

* Inguzanyo z'ishoramari;
* Imari y'Ubucuruzi;
* Imirongo y'inguzanyo;

**Ibicuruzwa byiyongera**

* Amafaranga y'ingwate;
* Kongera ubushobozi;
* Serivisi z'ubujyanama

## Amateka
Banki ishinzwe iterambere mu Rwanda (BRD), ni Isosiyete ya Leta igarukira ku migabane, ifite imari shingiro y'amafaranga 57.808.931.000, yanditswe ku Mukozi wa Gerefiye Mukuru, kode ya sosiyete n ° 100003547.

Banki yashinzwe ku ya 5 Kanama 1967; icyakora, icyemezo cyacyo cyo gushinga cyatanzwe ku ya 7/7/2011 mu gihe uruhushya rwa banki n°003 rwatanzwe na Banki nkuru y’u Rwanda ku ya 11 Kanama 2009.

Mu myaka irenga mirongo ine, BRD niyo yonyine itanga imari yigihe kirekire kandi yorohereje cyane kugaragara kwimishinga itandukanye itanga umusaruro mubikorera.

**2000-2009: Icyiciro cyo gukura no guhanga udushya**

Iki cyiciro gikomoka ku bikenewe ko Banki igira uruhare mu kongera kwimurwa no kwinjiza amafaranga mu cyaro, mu kongera ibicuruzwa byoherezwa mu mahanga birwanya imbogamizi z’ubukungu bw’u Rwanda byashyizweho n’ibikenewe by’iterambere ryihuse kandi rirambye mu kurwanya ubukene. Mu byukuri abarenga 90% by'abaturage baba mu cyaro cyane ku buhinzi.

Mu rwego rwo kuzamura inshingano za Banki y’iterambere, muri 2005 Guverinoma yu Rwanda yategetse BRD inshingano yo kuba Umunyemari w’iterambere ry’u Rwanda. Kuva icyo gihe BRD yagiye yihindura kugira ngo ibashe kugira uruhare runini mu iterambere ry’u Rwanda. BRD muri 2005-2009 Gahunda yibikorwa isobanura ubutumwa bwa BRD n'icyerekezo cyo kuba banki yunguka cyane muri serivisi yo kugabanya ubukene.

**Icyiciro cya nyuma ya Jenoside:** Nyuma ya jenoside yakorewe abatutsi mu 1994, habaye ibisubizo by’ibiza byakurikiyeho kandi banki ikomeje kwikorera umutwaro urenga 50 % by’inshingano zayo zigizwe n’inguzanyo zitishyurwa zatewe na jenoside yo muri 1994.

Umubare w'inguzanyo ingana na miliyari 6.8 z'amafaranga y'u Rwanda, ibikorwa 115; Miliyari 6.7 z'amafaranga y'u Rwanda mu mirongo 112 y'inguzanyo; Miliyoni 156.4 y'imigabane yi migabane mu mishinga 3 itanga umusaruro. Inguzanyo zashowe cyane mu kuvugurura imishinga igera kuri miliyari 13.4 z'amafaranga y'u Rwanda, bituma habaho akazi k'abantu 8.923 ndetse n'inyongera ku bukungu bwa miliyari 8 z'amafaranga y'u Rwanda.

Intambara yamugaye mu cyaro no kuvugurura ibikorwa nyuma yo muri 1994 yibanda mu murwa mukuru cyane mu mashuri yisumbuye na kaminuza. Iki gihe cyari icyiciro cyo kuvugurura no guhuza.

**1988-1994: Icyiciro cyo gukura**

Muri iki gihe, Banki yatanze inguzanyo zose hamwe: Rwf4. Miliyari 6 mu mirongo 873 y'inguzanyo; Miliyoni 84,5 z'imigabane mu migabane 7 itanga umusaruro. Yinjije igishoro kingana na miliyari 15.7 z'amafaranga y'u Rwanda hamwe no guhanga imirimo ku bantu 9.094 n'agaciro kongerewe mu bukungu bw'amafaranga 8, miliyari 5.

Ibyingenzi byibanze ku nguzanyo ni inganda z’ubuhinzi cyane urwego rw’icyayi n’inganda, rushobozwa n’umutungo muto uhendutse uhabwa imishinga mito n'iciriritse mu buhinzi; abanyabukorikori n'imishinga iciriritse

**1968-1987: Gushinga icyiciro**

Mu myaka ya 1968 kugeza 1970, Banki yashinzwe kandi nta mushinga watewe inkunga.

Mu myaka ine yakurikiyeho, Banki yanditse inguzanyo zikomeye ku binyabiziga ( pick-up ) no gusya. Inkunga y’imodoka yaguye mu gihugu hose kandi igaragaza intambwe ikomeye iganisha ku kuzamura ibicuruzwa mu gihugu.

Guhera muri 1974, banki yatangiye gutera inkunga ibikorwa bitandukanye byubukungu.

Umubare w'inguzanyo ingana na miliyari 6,6 z'amafaranga y'u Rwanda kuva yongerewe kugera ku bikorwa 501, miliyoni 317 z'amafaranga y'u Rwanda yashora mu migabane ingana n'amasosiyete 23, na miliyari 6.3 z'inguzanyo ku baguriza 478. Ibi bivuze ingaruka zishoramari zingana na miliyari 12.6 z'amafaranga y'u Rwanda hifashishijwe uburyo bwo kubona akazi ku bantu 8.400 hamwe n’agaciro kiyongereyeho miliyari 25.2.

**Banki yateye inkunga hafi 80% y’inguzanyo ziciriritse n’igihe kirekire mu gihugu mu bikorwa bitanga umusaruro.**

## Kugura
**WERURWE - 2011** : **Guhuza BAS na BDF**

Kuva muri Werurwe 2011, Serivisi Ngishwanama za BRD (BAS Ltd) na BRD Development Fund (BDF Ltd) zahujwe no gushinga sosiyete nshya yitwa BDF Ltd. Ibigo byombi byahoze ari BRD byari bifite amashami yose ashinzwe gutanga serivisi n’ibicuruzwa biteza imbere imishinga mito n'iciriritse mu Rwanda. Isosiyete nshya yagumye ifasha BRD kandi inonosora ubutumwa bwabanje.

Ihuriro ryemejwe n’inama y’ubuyobozi ya BRD yateranye ku ya 17 Werurwe 2011 hagamijwe kunoza imikorere y’ibikorwa, ireme, serivisi n’ibicuruzwa bizatangwa n’ikigo gishya, BDF Ltd.

**26-MATA-2011: gusaba BHR**

Ku ya 26 Mata 2011, BRD yaguze ku mugaragaro Banque de l'Habitat du Rwanda (BHR) mu muhango wakiriwe na Nyakubahwa Minisitiri w’imari n’igenamigambi, Bwana John RWANGOMBWA. Icyari kigamijwe muri uku kugura kwari ukugera ku iterambere rirambye hifashishijwe BRD banki ikomeye kandi ihagaze neza itanga inguzanyo z'igihe kirekire, inguzanyo z’amazu, kongera inguzanyo ndetse n’izindi serivisi z’imari zigamije kunoza uburyo bwo kubona imari mu Rwanda.

Ifatwa rya BHR ryahaye BRD ishingiro ry'umutungo urenga Miliyari 72 z'amafaranga y'u Rwanda (Miliyari 58 z'amafaranga y'u Rwanda na miliyari 14 z'amafaranga y'u Rwanda muri BHR).

## Inkunga
Banki ifite amashami abiri, ifite 100%, aribyo:

* Ikigega cy'iterambere cya BRD - Ikigega cy'iterambere 
* Banki ishinzwe imiturire mu Rwanda - Banki y’iterambere y’u Rwanda yafashe icyemezo cyuzuye muri Mata 2011 

## Nyirubwite
Imigabane ya banki ifitwe n’ibigo byigenga n’ibigo bikurikira: 

## Amashami
Banki ikomeza ahantu hamwe ku cyicaro cyabo: 

* **Icyicaro gikuru** - Kigali

## Imiyoborere
Kuva muri Gashyantare 2023 [kuvugurura], ibikurikira bigize Inama y'Ubuyobozi ya banki .

* Bobby Pittman - Umuyobozi w'Inama y'Ubutegetsi
* Callixte Nyikindekwe - Umuyobozi
* Alice Rwema - Umuyobozi
* Stella Nteziryayo - Umuyobozi
* Angelique Karekezi - Umuyobozi
* Joseph M. Mudenge - Umuyobozi
* Ghislain Nkeramugaba - Umuyobozi

Abakurikira ni abagize itsinda rya Komite Nyobozi muri Banki ishinzwe iterambere ry’u Rwanda, guhera mu Gushyingo 2019.

* Kampeta Sayinzoga - Umuyobozi mukuru
* Vincent Ngirikiringo - Umuyobozi mukuru ushinzwe imari
* Umunyamabanga wa sosiyete Gloria Tengera akaba n'Umujyanama mukuru
* Blaise Pascal Gasabira - Umutwe Wingamba Ubushakashatsi M&E hamwe no Gukusanya Ibikoresho
* Ngabe Rutagarama - Umuyobozi wa IT no guhanga udushya
* Nadine Teta Mbabazi - Umuyobozi w'Ishoramari ry'umuntu na serivisi rusange
* Jean Claude Iliboneye - Umuyobozi ushinzwe iterambere ryubucuruzi
* Liliane Igihozo Uwera - Umuyobozi wa SPIU
* Martin Ndagijimana - Umuyobozi mukuru w'imbere
* Wilson Rurangwa - Umuyobozi ushinzwe uburezi Portfolio

## Reba kandi
 

* Ubukungu bw'u Rwanda
* Urutonde rwa banki mu Rwanda
* Kigali
* Atlas Mara Co-Nvest Limited

## Reba

## Ihuza ryo hanze

* Urubuga rwa Banki yiterambere ryu Rwanda
* Banki ishinzwe iterambere yu Rwanda Yabonye Banki yamazu yu Rwanda