PagBank bankiy’ikoranabuhanga itanga serivisi zuzuye itanga serivisi z’imari n’uburyo bwo kwishyura, itangaza ibyavuye mu gihembwe cya gatatu cya 2024 (3Q24). Mu bintu by’ingenzi by’ingenzi muri iki gihe, ikigo cyabonye inyungu ingana na miliyari 4.8 z’ama-rupee mu gihembwe cya gatatu cya 24 (+20% umwaka/umwaka). PagBank kandi yageze ku nyungu idasanzweingana miliyoni 572 z’ama-rupee (+30% umwaka/umwaka), hamwe n’inyungu idasanzweingana miliyoni 531 z’ama-rupee (+29% umwaka/umwaka).
Alexandre Magnani, Umuyobozi Mukuru wa PagBank, yishimiye ibyavuye mu bushakashatsi butangaje yagize ati: “Muri iki gihembwe twagaragaje iterambere ry’ubwishyu inshuro zirenze ebyiri iz’isoko ry’amakarita ndetse tunagaragaza iterambere ry’amafaranga yinjira muri banki ku kigero cya 52%, bigaragaza imbaraga z’agaciro k’abakiriya bacu. Ibi byose twabigezeho dutanga imbonerahamwe y’imari n’imigabane kandi turushaho kubona inyungu ku banyamigabane bacu, inyungu kuri buri mugabane izamukaho 31%.
Mu kugura abacuruzi, TPV yanditswe miliyari 136.3 z'amadolari ni agahigo gashya kuri sosiyete, aho izamuka rya 37% ku mwaka (+ 10% q/q). Aka gaciro katewe n'iterambere mu byiciro byose, cyane cyane mu bigo bito, bito n'ibiciriritse (MSMEs), bingana na 65% bya TPV. Mu miterere mishya y'iterambere ry'ubucuruzi, kuri interineti, imipaka , n'imikorere y'ikoranabuhanga biragaragara, byamaze kugaragara kimwe cya gatatu cya TPV yose.
Mu rwego rw'amabanki akoresha ikoranabuhanga, PagBank yageze ku mubare munini w'amafaranga yabitswe, angana na miliyari 34.2 z'amadorari y'Amerika, ubwiyongere butangaje bwa 59% buri mwaka, bigaragaza ukwiyongera kw'amafaranga ari kuri konti ya PagBank n'umubare munini w'ishoramari ryakusanyijwe na banki binyuze mu nyandiko za banki zigaragaza ko amafaranga yatanzwe na banki ahagije.
“ Turi kubona iterambere rikomeye ry’inyungu ku muvuduko wihuse, hamwe n’inyungu ihagije ku bucuruzi. Twashoye ishoramari rikomeye mu mikorere, udushya, no kunoza serivisi nziza ku bakiliya, kandi twungukiye ku kugabanuka kw’ikiguzi cy’inkunga, biduha ubushobozi bwo guhangana ku isoko , ” nk’uko bivugwa na Gustavo Sechin, Umuyobozi ushinzwe Imibanire n’Abashoramari, ESG, Ubutasi bw’Isoko, n’Ubukungu muri PagBank.
Ikindi kintu cy’ingenzi cyabaye muri Q3 2024 ni inguzanyo zagaragaje ko zazamutseho 30% mu mwaka ushize, zigera kuri miliyari 3.2 z'amadolari y'Amerika, bitewe n'ibicuruzwa bifite ingaruka nke kandi bifasha cyane nka amakarita y'inguzanyo, inguzanyo zishyurwa ku mushahara, no kwishyura mbere y'igihe amafaranga yavuye mu kigega cya FGTS (ikigega cyo muri Brezili cyo guhagarika abakozi) mu isabukuru y'imyaka 10.
Ikindi kandi gifasha muri uku kwiyongera ni uko hagiye hasubukurwa buhoro buhoro izindi nguzanyo, nk'inguzanyo z'imari ikoreshwa ku bigo bito n'ibiciriritse, kwagura imipaka y'amakarita y'inguzanyo asanzweho, n'imipaka yihariye ku bakiriya bafite imiterere myiza y'ibyago by'inguzanyo. Isosiyete yizera ko izi ari inkingi z'iterambere ry'ejo hazaza ku nguzanyo zayo.
Nk’uko Artur Schunck, Umuyobozi Mukuru wa PagBank abivuga, kwihutisha ubwinshi bw’amafaranga n’inyungu, hamwe n’ikinyabupfura mu biciro n’ikoreshwa ry’amafaranga, ni byo byari inkingi nyamukuru z’umusaruro udasanzwe. “Twashoboye kuringaniza iterambere n’inyungu kandi tubona imbaraga mu nzego zose z’imikorere. Twubatse ingufu mu mikorere, twagabanyije ikiguzi cy’inkunga binyuze mu kwiyongera kw’amafaranga abitswa, kandi twongera kunoza imicungire y’ibyago. Iyi mikorere ituma twizera gutanga umusaruro witezwe muri uyu mwaka,” nk’uko bivugwa n’Umuyobozi Mukuru.
Ibindi by'ingenzi
Inyungu rusange mu gihembwe cya gatatu cya 2024 yari miliyari 4.8 z'amadorari y'Amerika (+ 20% ugereranyije n'umwaka), bitewe n'izamuka rikomeye mu kugura abacuruzi ndetse n'izamuka rikomeye mu bikorwa by'amabanki (+ 52% ugereranyije n'umwaka).
Banki y'ikoranabuhanga yagaragaye ko yazamutse mu gutanga serivisi z'imari (+68% 3Q24). Twageze ku ntera y'abakiriya miliyoni 32.1, bishimangira umwanya wa PagBank nk'imwe mu mabanki manini mu gihugu.
PagBank imaze igihe ikora ku gutangiza ibicuruzwa na serivisi bishya bizamura ubwinshi bw'ibisubizo byayo kugira ngo ubuzima bw'imari bw'abakiriya bayo bworohe. Ibi birimo ikarita y'ibikorwa byinshi, ihuza imikorere y'inguzanyo n'iy'inguzanyo mu gicuruzwa kimwe, bitanga uburyo bworohereza abakiriya ba PagBank, hamwe na 3% by'amafaranga asubizwa ku ikarita ya mbere, ahabwa abakiriya bagura bakoresheje imikorere y'inguzanyo.
“Dutanga ibisubizo byoroshye, byoroshye kubona, kandi byoroshye gukoresha ikoranabuhanga bituma ubuzima bw’abakiriya bacu bworoha, niyo mpamvu ubufatanye mu kwishyura no gutanga serivisi za banki bwarushijeho kwiyongera. Icyerekezo cyacu cy’ejo hazaza ni ukubaka uburyo bwo guhuza amakuru yose n’imikorere y’ingenzi mu buzima bw’imari bw’umukiriya,” ibi ni ibyatangajwe na Magnani.
Ifite intego yo gukora ibikorwa bikomeye mu biganiro n'abakiriya, PagBank itanga uburyo bwihariye kandi bufite inyungu nyinshi muri uku kwezi kwa Black Friday bugomba kuzamura isoko no gukurura abakiriya bashya, nko: POS terminal ifite igabanywa ryinshi, FGTS deadline yo kubikuza, inguzanyo y'imishahara ya INSS, kohereza imitungo ihinduka, ndetse no gusubizwa amafaranga yaguzwe ubwishingizi bw'ubuzima n'inzu.
Kugira ngo ubone urupapuro rwuzuye rw'imari ya PagBank mu gihembwe cya gatatu cya 2024, kanda hano.
