Daga MAHDI MUSA MUHAMMAD
Manyan bankunan Nijeriya masu matsayi na farko sun fitar da rahotannin kuɗaɗensu na shekarar 2025, inda suka nuna haɗaɗɗen sakamako mai cike da ƙarfafa gwiwa ga masu zuba jari da tattalin arzikin ƙasar baki ɗaya.
Rahoton kuɗaɗen da aka tantance zuwa ranar 31 ga Disambar 2025 ya nuna cewa jimillar kuɗaɗen shiga na manyan bankunan ta ƙaru da kaso 7.69 cikin zari, daga Naira tiriliyan 16.9 a shekarar 2024 zuwa tiriliyan N18.2 a shekarar 2025.
Kamfanin Access ne ya jagoranci wannan ci gaba bayan kuɗaɗen shigarsa sun tashi zuwa tiriliyan N5.52 daga tiriliyan N4.87 da ya samu a 2024. Haka kuma, Zenith Bank ya haura zuwa tiriliyan N4.07 daga tiriliyan N3.82.
Sai kuma First HoldCo wanda ya samu tiriliyan N3.21 a 2025 daga tiriliyan N3.37 a bara, yayin da United Bank for Africa (UBA) ya samu tiriliyan N2.97 daga tiriliyan N3.1. Guaranty Trust Holding Company (GTCO) ma ta samu tiriliyan N2.11 daga tiriliyan N2.15 a shekarar da ta gabata.
Rahoton ya nuna cewa harkokin bankanci na yau da kullum sun ci gaba da ƙarfi duk da matsin tattalin arziki da ake fuskanta.
A ɓangaren kuɗaɗen ruwa da bankuna ke samu daga bayar da lamuni, rahoton ya nuna gagarumin ƙaruwa musamman saboda yanayin yawan ribar ruwa da ake samu a Nijeriya. Zenith Bank ya kusan ninka kuɗaɗen ribarsa zuwa tiriliyan N2.72, yayin da GTCO ta kai tiriliyan N1.32.
Har ila yau, kuɗaɗen da ake samu daga ayyukan bankin zamani da na intanet sun ci gaba da ƙaruwa, inda jimillar kuɗaɗen e-banking suka haura zuwa biliyan N685.5 daga biliyan N628.4 a shekarar da ta gabata.
Rahoton ya kuma nuna cewa kadarorin bankunan sun ƙaru sosai. Jimillar kadarorin Access HoldCo sun tashi zuwa tiriliyan N51.5 daga tiriliyan N41.4, yayin da UBA da Zenith Bank suka zarce tiriliyan N33.7 da tiriliyan N31.4 bi da bi.
Haka kuma, jarin masu hannun jari ya ƙaru a dukkan bankunan bayan tsarin ƙara jari da Babban Bankin Nijeriya (CBN) ya tilasta domin ƙarfafa tsarin bankunan da kare su daga girgizar tattalin arziki.
Rahotanni sun nuna cewa bankunan Nijeriya sun tara sabbin jarin da ya kai tiriliyan N4.65 cikin shekaru biyu, inda bankuna 33 suka cika sabon mafi ƙarancin jarin da CBN ta gindaya.
Gwamnan Babban Bankin Nijeriya, Dakta Olayemi Cardoso, ya bayyana cewa tsarin ƙara jarin ya ƙarfafa bankunan Nijeriya wajen jure wa matsalolin cikin gida da na ƙasashen waje tare da tallafa wa ci gaban tattalin arziki.
Ya ce, tsarin ya taimaka wajen ƙarfafa gwiwar masu zuba jari tare da tabbatar da cewa harkokin bankanci sun ci gaba ba tare da tangarɗa ba yayin aiwatar da sabon tsarin. Sai dai duk da wannan ci gaba, wasu bankuna sun fuskanci raguwar riba bayan haraji.
First HoldCo ya sauka daga biliyan N663 a 2024 zuwa biliyan N52 a 2025, yayin da UBA ya ragu daga biliyan N766 zuwa biliyan N404. GTCO ma ya sauka daga tiriliyan N1.01 zuwa biliyan N865.
A gefe guda kuma, Zenith Bank ya ci gaba da samun ribar tiriliyan N1.04, yayin da Access Bank ta ƙara ribarsa zuwa biliyan N743.
Masana sun bayyana cewa wannan sauyin ya samo asali ne daga ƙarin tanadin da bankuna suka yi domin magance haɗarin bashin da ba a biya ba, yayin da suke dakatar da wasu sassauƙan dokoki da aka ba su a baya domin rage matsin tattalin arziki.
