WA'ADIN ƘARFAFA JARIN BANKUNA: Tattalin Arziki Ya Ɗau Saiti Yayin Da Bankuna Suka Kusa Tara Naira Tiriliyan 6 Kafin Ƙarshen Maris

Bayyanannun alamomi da sabubba da dama sun nuna cewa Babban Bankin Nijeriya (CBN) ya tsunduna tattalin arzikin Nijeriya cikin shekarar 2026 ...

Bayyanannun alamomi da sabubba da dama sun nuna cewa Babban Bankin Nijeriya (CBN) ya tsunduna tattalin arzikin Nijeriya cikin shekarar 2026 da ƙafar dama, ganin yadda shirin ƙarfafa jarin bankuna a Nijeriya ke ci gaba da ƙara ƙarfi, inda jimillar kuɗin da ake sa ran za a tara zai iya kaiwa kusan naira tiriliyan 6 kafin wa’adin 31 ga Maris, 2026 da CBN ya gindaya.

Majiyoyin harkar banki sun bayyana cewa har yanzu akwai sama da naira tiriliyan 1.5 na yarjejeniyoyin tara jari da ke kan hanya, kuma ana sa ran yawancin su za su kammala kafin cikar wa’adin.

Bincike ya nuna cewa babu wasu sabbin tayin hannun jari da ke jiran amincewa daga hukumomin kasuwar jari, amma bankuna suna amfani da hanyoyin tara jari cikin gaggawa ta hanyar sayar da hannun jari kai tsaye (private placement), jawo sabbin masu zuba jari,
runtubar masu hannun jari a cikin bankunan,
manyan kamfanoni da masu kuɗi masu yawa.

Wasu bankuna na amfani da tsarin buga tandar neman masu zuba jari, domin kammala yarjejeniyoyin su bayan sun samu izinin masu hannun jari da zai ba su damar tara jari ta hanyoyi daban-daban.


Sassauci Ga Bankunan da CBN ke Kula da Su

CBN ya nuna cewa wa’adin 31 ga Maris, 2026 na iya rashin shafar wasu bankuna da ke ƙarƙashin kulawar sa ta musamman. Waɗannan bankuna sun haɗa da:
Polaris Bank,
Union Bank of Nigeria da kuma
Keystone Bank.

Gwamnan CBN, Olayemi Cardoso, ya bayyana a bayan taron Kwamitin Tsare-tsaren Manufofin Kuɗi (MPC) cewa:
"An tabbatar da kuma amince tara naira tiriliyan 4.05 zuwa ranar 19 ga Fabrairu, 2026.
Daga ciki, naira tiriliyan 2.90 (kashi 71.6%) daga cikin gida ne.
Dala miliyan 706.84 (kimanin naira tiriliyan 1.15, kashi 28.33%) daga ƙasashen waje ne."

Bankuna 20 sun riga sun cika sabbin sharuddan jarin.
Bankuna 13 kuma suna matakin ƙarshe na kammala tara jarin.
Ya kuma nuna ƙwarin gwiwa cewa za a kammala shirin cikin wa’adin da aka tsara.


Tsarin Tabbatar da Jari

Sabbin kuɗin da aka tara dole ne su wuce tantancewa kafin a ba da izinin rabon hannun jari da kuma sakin kuɗin ga bankin.
Kwamitin tantance jarin ya ƙunshi: Babban Bankin Nijeriya (CBN),
Hukumar Tsaro da Sa-ido kan Harkokin Kudade (SEC) da kuma 
Hukumar Inshorar Kwastomomi da Masu Hannayen Jari a Bankuna (NDIC).

Haka kuma, doka ta 4.1 ta ƙa’idojin kamfanonin harkokin kuɗi ta tanadi cewa duk wanda ya sayi kaso 5% na hannun jari a kasuwa dole ne ya nemi amincewar CBN cikin kwanaki bakwai.


Dalilin Sassauci Ga Wasu Bankuna

Gwamnan ya bayyana cewa bankunan da ke ƙarƙashin kulawar CBN na fuskantar wasu matsalolin shari’a da tsarin gudanarwa, wanda hakan ka iya hana su kasa cikin wa’adin a ranar 31 ga Maris, 2026.

Ya tabbatar da cewa kuɗaɗen masu ajiya a Polaris Bank, Union Bank da Keystone Bank suna cikin tsaro, kuma ayyukan su na ci gaba ƙarƙashin kulawar CBN.

Masana kamar Farfesa Biodun Adedipe da tsohon shugaban Chartered Institute of Bankers of Nigeria (CIBN), Mista Okechukwu Unegbu, sun goyi bayan wannan mataki, suna cewa ya fi sauƙi maimakon a ce a rufe bankunan gaba ɗaya.