Daga MAHDI MUSA MUHAMMAD
Wani sabon rahoto da Renaissance Capital (RenCap), ɗaya daga cikin manyan kamfanonin zuba jari na duniya, ya fitar ya nuna cewa bankunan Nijeriya na iya fuskantar ƙalubalen tara ƙarin jarin sama da Naira tiriliyan 1.7 tare da sake fasalin tsarin kamfanoninsu, idan Babban Bankin Nijeriya (CBN) ya aiwatar da sabbin ƙa’idojin da ya gabatar kan Kamfanonin Riƙon Hukumomin Kuɗi, wato Financial Holding Companies (HoldCos.
Rahoton mai taken “Nigerian Banks: More Capital, Declining Returns”, wanda aka wallafa a ranar 16 ga Yulin 2026, ya yi gargaɗin cewa sabbin ƙa’idojin na iya rage ribar masu hannun jari, taƙaita yawan ribar bankuna da kuma ƙara musu nauyin tara sabbin kuɗaɗen jari.
A cewar rahoton, muhimmin abin da ke cikin sabon tsarin shi ne buƙatar da CBN ya sanya cewa kamfanin HoldCo ya kasance yana da jari da ya zarce da kashi 20 cikin 100 na jimillar kuɗin hannun jarin dukkan rassansa.
RenCap ta bayyana wannan sharaɗi a matsayin mafi girman sauyi a cikin daftarin ƙa’idojin, tana mai cewa zai iya yin tasiri sosai ga yadda manyan rukunin bankunan Nijeriya ke gudanar da harkokinsu.
Kamfanin ya yi nuni da cewa wannan sabon buƙatar ta zo ne a lokacin da ribar bankuna ke fara raguwa bayan shekaru da dama na samun gagarumar riba.
Rahoton ya bayyana cewa tsarin da ake amfani da shi yanzu ya riga ya wajabta wa HoldCo riƙe jarin da ya yi daidai da na rassansa, don haka ƙara wani kaso na kashi 20 cikin 100 zai yi wa bankuna nauyi ba tare da samar musu da wata babbar fa’ida ba.
A cewar RenCap, kasancewar HoldCo ba ya gudanar da harkokin kasuwanci kai tsaye kuma ba ya samar da riba mai yawa, tara irin wannan ƙarin jari zai rage darajar jarin masu hannun jari maimakon ƙara musu riba.
Rahoton ya ƙiyasta cewa wasu manyan bankunan ƙasar za su buƙaci tara sabbin kuɗaɗen jari masu yawa domin cika sabon sharadin. An ƙiyasta cewa Access Holdings zai fi kowa fuskantar wannan nauyi, inda ake hasashen zai tara kusan Naira biliyan 656.04.
Sauran bankunan da ake sa ran za su buƙaci ƙarin jari sun haɗa da United Bank for Africa (UBA) da Naira biliyan 416.01, Fidelity Bank da Naira biliyan 188.83, Zenith Bank da Naira biliyan 166.88, First HoldCo da Naira biliyan 135.03, FCMB Group da Naira biliyan 112.84, Guaranty Trust Holding Company (GTCO) da Naira biliyan 56.02, sai Stanbic IBTC Holdings da Naira biliyan 11.84.
Rahoton ya nuna cewa Access Holdings zai buƙaci tara sabon jari da ya kai kusan rabin darajar kasuwancinsa ta yanzu, lamarin da zai sa shi zama bankin da sabbin ƙa’idojin za su fi shafa.
Har ila yau, RenCap ta ce bankunan da har yanzu ba su koma tsarin HoldCo ba, kamar Zenith Bank, UBA da Fidelity Bank, na iya fuskantar tilas na sake fasalin tsarin kamfanoninsu, wanda hakan zai ƙƙara musu nauyin tara jari.
A rahoton, an nuna cewa idan aka kwatanta da darajar kasuwancin bankunan, UBA ne zai fi fuskantar nauyi, domin sabon buƙatar jarin ta kai kusan kashi 23.1 cikin 100 na darajar kasuwancinsa.
Haka kuma, CBN na son manyan bankunan da ke da rassan kasuwanci a ƙasashen waje su mayar da mallakar waɗannan rassan kai tsaye ƙarƙashin HoldCo maimakon ci gaba da barinsu a ƙarƙashin bankunan da ke gudanar da harkokin kasuwanci.
RenCap ta kuma bayyana cewa matsakaicin ribar da bankuna ke samu daga jarin masu hannun jari (ROAE) ta ragu zuwa kashi 20.63 cikin 100 a shekarar 2025, bayan da ta kasance kashi 31.03 cikin 100 a shekarun 2023 da 2024. A cewar rahoton, idan aka tilasta wa bankuna tara ƙarin jari a irin wannan yanayi na raguwar riba, hakan zai ƙara rage ribar da masu hannun jari ke samu.
Wani masani kan harkokin banki da ke Legas, Adeyemi Akinbade, ya ce duk da cewa ƙarfafa tsarin shugabanci a fannin banki yana da muhimmanci, ya kamata a guji kafa ƙa’idojin da za su takaita amfani da kuɗaɗen jari ba tare da wata fa’ida ba. Ya ce, babban ƙalubalen da ke gaban CBN shi ne samun daidaito tsakanin tabbatar da ƙarfi da tsaron tsarin banki da kuma bai wa bankuna damar gudanar da harkokinsu cikin sauƙi.
