Ciyo bashin banki daga CBN ya karu da kashi 260 zuwa N21.87tn

Bankunan Ajiye Kudade sun karbo bashin N21.87tn daga Babban Bankin Najeriya ta hanyar Lamuni na Standing Facility and Repurchase Lending a shekarar 2020, kamar yadda bayanan kudi na CBN suka nuna.

Wannan yana nuna karuwar kashi 260 cikin 100 idan aka kwatanta da N5.744tn da aka samu ta mashiga iri daya a shekarar 2022. Duk da haka, ya na nuna raguwar kashi 19.3 cikin 100 idan aka kwatanta da N27.08tn da bankunan suka karbo daga babban bankin a shekarar 2021.

Babban bankin yana da tagogi guda biyu na gajeren lokaci na ba da lamuni na bankuna da bankunan kasuwanci wato-Standing Lending Facility (SLF) da Repurchase (Repo) rance.

Yayin da CBN ke bayar da rancen kudi ga bankuna da bankunan ‘yan kasuwa ta hanyar SLF akan kudin ruwa da maki 100 sama da na Monetary Policy Rate (MPR), shi ma yana ba da rancen kudi ga bankuna ta hanyar tsarin Repo, wanda ya hada da siyan kudaden bankunan tare da yarjejeniyar. don sayar da baya a takamaiman kwanan wata kuma yawanci don farashi mafi girma.

Alkaluman kudaden da CBN ya fitar sun nuna cewa karbar rancen bankuna da bankunan ‘yan kasuwa ta hannun SLF a shekarar 2022 ya ragu da kashi 14.25 zuwa N11.15tn sabanin N13.01tn a shekarar 2021.

Rushewar wata-wata na SLF ya nuna cewa DMBs da bankunan ‘yan kasuwa a watan Janairun 2022 sun ciyo bashin N313.48bn daga CBN. Sai dai kuma ya ragu zuwa N186.48bn a watan Fabrairu.

Bayanan kudi na babban bankin ya nuna cewa bayanan SLF a watan Maris sun tsaya kan N377.13bn kuma ya karu da kashi 62.4 na M-o-M zuwa N612.43bn a watan Afrilun 2022.

A watan Mayu, CBN ya bayar da rahoton N897.05bn, bayan haka kuma bashin ya karu sosai zuwa N1.93tn a watan Yuni.

Duk da haka, bayanan kudi na babban bankin ya nuna N1.46tn da N1.19tn na Yuli da Agusta 2022, bi da bi.

Bugu da kari, DMBs da bankunan ‘yan kasuwa sun ciyo bashin N836.5bn a watan Satumba; N464.07bn a watan Oktoba; N1.56tn a watan Nuwamba da N1.33tn a watan Disamba 2022.

Sakamakon haka, rancen da DMBs da bankunan ‘yan kasuwa suka yi ta bankin CBN ya ragu da kashi 24 cikin 100 zuwa N10.7tn a shekarar 2022 daga N14.07tn da bayanan kudi suka bayyana a shekarar 2021.

Ga Repo, bayanan da CBN ya fitar sun nuna N968.8bn a watan Janairu amma ya ragu zuwa N480.35bn a watan Fabrairu. Tare da ayyukan Repo tara a cikin Maris, an ba da rahoton jimillar N343.48bn. Sai dai ya karu zuwa N474.83bn a watan Afrilu.

A wasu watanni kuma, bayanai na CBN sun nuna cewa an ciyo bashin N870.32bn a watan Mayu; N1.65tn a watan Yuni; N3.07tn a watan Yuli; N1.62tn a watan Agusta; N1.197tn a watan Satumba da kuma N46.32bn a watan Oktoba.

Bayanan kudi sun bayyana babu wani ma’amala na Repo na Nuwamba da Disamba, 2022.

Manazarta sun alakanta raguwar da matsananciyar yanayin kudi a tsarin banki, yayin da babban bankin ke kara kuzarin kudaden sa don magance karuwar hauhawar farashin kayayyaki.

Baya ga SLF da Repo, CBN na karbar kudaden ajiya daga bankuna ta wurin ajiyar kudi ta Standing Deposit Facility kuma yana biyan kudin ruwa mai maki 700 kasa da MPR wanda a halin yanzu ya kai kashi 16.5 cikin dari.

Binciken da The PUNCH ta yi ya nuna cewa bankuna da bankunan ‘yan kasuwa sun saka N3.24tn ga CBN a shekarar 2022, karin da kashi 6.65 cikin 100 daga N3.03tn da aka ajiye a shekarar 2021.

Aikin CBN

A shekarar 2016 ne CBN ta kori hukumar da kuma gudanar da rusasshiyar bankin Skye Bank saboda gazawarta wajen cimma matsaya mafi kankanta a cikin ma’auni mai ma’ana da wadatuwa, wanda ya kai ga kasancewar bankin na dindindin a taga bankin na CBN.

Har ila yau, ya bayyana cewa “Musamman, yawan kuɗin Skye Bank da rashin aiwatar da lamuni ya kasance ƙasa da sama da matakan da ake buƙata, bi da bi, na ɗan lokaci kaɗan.”

Masu sharhi sun mayar da martani

Da yake mayar da martani ga bayanan CBN, masanin tattalin arziki kuma babban jami’in gudanarwa na Cowry Asset Management Limited, Johnson Chukwu, ya ce an samu karuwar rancen bankuna daga bankin CBN a shekarar 2021 da 2022 saboda yawan ayyukan kasuwanci. Sai dai ya ce abu ne mai wahala a iya tantance ko karin lamunin ya kasance ne sakamakon rikicin kudi.

Ya ce, duk da haka, ya ce manufofin CBN a 2021 da 2022 musamman wadanda suka shafi Cash Reserve Ratio da Loan to Deposit Ratio na iya shafar ayyukan bankunan musamman game da zuwa tagar bankin babban bankin.

Chukwu ya ce, “Ba batun kai tsaye ba ne. Don haka abubuwa da yawa da za su kasance da alhakin yanke shawarar bankunan zuwa taga lamuni na CBN. Kana da manufofin CBN na kashi 30 cikin 100 na Cash Reserve Ratio, kana da rancen kashi 75 cikin 100 don Deposit Ratio a lokacin. Haɗin kai na waɗannan manufofi da sauran abubuwan da za su kasance da alhakin ci gaba da kasancewar bankunan a cikin taga CBN don biyan bukatunsu na ɗan gajeren lokaci.

Sabbin bayanin kula

A halin da ake ciki, ‘yan Najeriya da suka ki ko kuma su tozarta sabbin takardun kudin na Naira na iya fuskantar hadarin tarar N50,000 ko kuma daurin watanni shida a gidan yari, in ji jaridar The PUNCH.

Dokar CBN ta shekarar 2007, wanda wakilinmu ya samu kwafinsa, ya sa kowa ya yi watsi da shi, ko ya tozarta shi, ko kuma ya yi jabun takardar kudin Naira.

A cewar sashe na 20 (5) na dokar CBN, “Mutumin da ya ki karbar Naira a matsayin hanyar biyan kudi, yana da laifi kuma zai ci tarar N50,000 o.