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Rwf 1,943.32 Billion in total assets as of March 2013.
72% of Rwandan adults are financially included, with 42% of the Rwandan population in the formal financial system (23% served by commercial banks and 33% served by non-bank formal institutions), and 58% use informal financial mechanisms (Source: BNR and FinScope, 2012).
The banking return on average equity 12.2% as of March 2013.
An operational Capital Markets Authority (CMA) to undertake public education and awareness and scale up financial literacy among Rwandans.
Sector Profitability: Rwf 13.4 Billion as of June 2012.
High Interest rates but in line with the region.


The banking sector is comprised of 9 commercial banks, 3 microfinance banks, 1 development bank and 1 cooperative bank
The microfinance sector is comprised of 490 Institutions of which 11 are limited companies and 479 SACCOs (including 416 UMURENGE SACCOs).
There are 12 insurance companies (7 non-life insurers, 3 life insurers and 2 public insurers).
1 public pension fund, the Rwanda Social Security Board and around 40 private pension schemes.
105 operational forex Bureaus
And 1 stock exchange.

The 3 largest local banks are;

Banque de Kigali with a market share of 31% of total banking assets and ˜ 50 % share of the total commercial bank profitability (BK 2011).
Banque Populaire du Rwanda (BPR): 65% cooperative members, 35% Rabobank.
Banque Commercial du Rwanda (BCR): 80% I&M from Kenya, 20% GoR.

Ecobank, Access Bank, Equity bank and Kenya Commercial Bank are among the large regional banks with a presence in Rwanda, but no international bank yet.


Commercial bank products and services particularly in rural areas.
Competitive loan facilities.
Agricultural products/services financing.
Development banks especially to finance SMEs.
Microfinance opportunities.
Mortgage financing.
Investment banking services.
Training of financial sector professionals.
Insurance services especially re-insurance.
Equity and bonds purchases at Rwanda’s capital market.
Provision of technical ancillary services in areas like brokerage and actuarial loss assessment.
Provision of life policies and other innovative assurances like agriculture and medical schemes, etc.
Housing banks.
Fund management including private equity, fund of funds, wealth management, etc.
Institutional and human capacity building in capital and financial markets.
Business process outsourcing (BPO) including back office operations, data processing, payment processing, e-procurement for financial services.

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Telephone: +250 788 509 838

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