Daga MAHDI MUSA MUHAMMAD
Kwanaki kaɗan kafin cikar wa’adin ranar 31 ga Maris, 2026, ɓangaren bankunan Nijeriya ya samu gagarumin ci gaba bayan da bankuna 34 suka samu nasarar cika sabbin sharuɗɗan ƙarfafa jari da Babban Bankin Nijeriya (CBN) ya gindaya.
Binciken da aka gudanar ya nuna cewa mafi yawan bankunan ƙasar, musamman manyan bankuna masu lasisin ƙasa da ƙasa da kuma wasu na ƙasa baki ɗaya, sun tsallake ƙalubalen ƙara jari, abin da ke nuna ɗaya daga cikin manyan nasarori a tarihin harkar kuɗi a Nijeriya.
Ana sa ran Babban Bankin zai fitar da cikakken rahoto nan ba da jimawa ba, inda jami’ai suka bayyana cewa aikin na tafiya yadda aka tsara.
Rahoton wucin gadi ya nuna cewa manyan cibiyoyin kuɗi sun zarce mafi ƙarancin jarin Naira biliyan 500 da ake buƙata ga bankunan da ke da lasisin aiki a matakin ƙasa da ƙasa. Daga cikin bankunan da suka kai wannan matsayi akwai Guaranty Trust Holding Company, FCMB Group, Fidelity Bank, Zenith Bank, Access Holdings, First HoldCo da United Bank for Africa. Waɗannan bankuna suna da kaso mai yawa a kasuwar banki, kuma cika sharuɗɗan da suka yi da wuri ya ƙara ƙarfafa amincewar masu zuba jari a tsarin kuɗin Nijeriya.
A ɓangaren bankunan ƙasa, aƙalla bankuna goma sun cika sharuɗɗan jarin Naira biliyan 200. Daga ciki akwai Stanbic IBTC Holdings, Wema Bank, Ecobank Nigeria, Sterling Financial Holdings Company, Premium Trust Bank, Standard Chartered Bank, Globus Bank, Optimus Bank, Citibank, da haɗakar Unity Bank da Providus Bank, wadda ke daf da kammala haɗewa tare da goyon bayan Babban Bankin Nijeriya.
Haka kuma, bankunan yanki sun cika sharuɗɗan Naira biliyan 50, yayin da dukkan bankunan da ke gudanar da harkokin banki ba tare da riba ba (Islamic banking) — irin su Jaiz Bank, Lotus Bank, Taj Bank da The Alternative Bank — suka cika mafi ƙarancin jarin Naira biliyan 20, abin da ke nuna ƙarfafuwar wannan ɓangare na banki a ƙasar.
Gwamnan Babban Bankin Nijeriya, Olayemi Cardoso, ya bayyana kwarin gwiwarsa cewa za a kammala wannan tsari cikin wa’adin da aka tsara. Ya kuma bayyana cewa bankunan sun riga sun tara sama da Naira tiriliyan 4.05 a matsayin jari, wanda yawancinsa ya fito daga cikin gida, tare da gudunmawar masu zuba jari daga ƙasashen waje.
Shugaban Cibiyar Bunƙasa Kamfanoni Masu Zaman Kansu, Muda Yusuf, ya ce wannan tsarin ya yi nasara ba tare da jawo tangarɗa ga kwastomomi ko rasa ayyukan yi ba, saɓanin yadda aka saba gani a baya.
Masana tattalin arziki kuma sun jaddada cewa yawancin bankunan sun riga sun tara kuɗin da ake buƙata, abin da ya rage kawai shi ne tantancewa daga hukumomi.
Duk da wannan gagarumin ci gaba, akwai kaɗan daga cikin bankunan da har yanzu suke kammala shirye-shiryen haɗewa ko jiran amincewar hukumomi. Wasu daga cikinsu ana sa ran za su kammala kafin wa’adin.
Bankuna uku — Polaris Bank, Keystone Bank da Union Bank — na ƙarƙashin kulawar hukumomi na musamman, saboda wasu matsalolin doka da tsarin gudanarwa.
A ƙarshe, wannan sabon tsarin ƙara jari da aka ƙaddamar tun watan Maris na 2024 ya kawo sauyi mai zurfi a tsarin bankunan Nijeriya. Ta hanyar ɗaga matakin jari, Babban Bankin Nijeriya na ƙoƙarin gina bankuna masu ƙarfi da za su iya jure matsin tattalin arziki na duniya tare da tallafawa manyan ayyukan ci gaban ƙasa.
