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Executive Management

 Dr. James Gatera, Chief Executive Officer

Dr. James Gatera was appointed as the Chief Executive Officer of Bank of Kigali in 2007. During his tenure, the Bank has witnessed tremendous growth in size, profitability and all key balance sheet metrics under his stewardship. Profitability has grown by 176% (recording an increase of 35.6% in December 2012 compared to the same period in 2011) while total assets and net loans have grown by 166% and 280% respectively. This has enabled the Bank to maintain a firm grip on its leading position in the Rwanda n banking sector with a 32% market share as of 31 December 2012.  In 2012 alone, the Bank’s total assets grew by 12.1%, customer deposits by 15.1% and net loans by 50.3%.   

Under his stewardship, and in line with his vision of ensuring financial inclusion of all Rwandans, the Bank has opened 49 branches in Rwanda (15 branches in 2012 alone) increasing the total number of its Branch network to 59 at the end of the year. In addition, James has spearheaded an aggressive strategy to ensure that all Rwandans have access to financial services through innovative products such as mobile banking vans, agency banking and micro lending products.


Under his leadership, the Bank became the second domestic company to be listed on the Rwanda Stock Exchange in 2011 and received the Best African Listing by Africa Investor. (AI)


During his tenure, the Bank has been internationally recognized for four years running as the Best Bank in Rwanda by Emeafinance and Bank of the Year by The Banker. It has been awarded the Company of the Year by the Kenya Institute of Management and the Best East African Bank Award by the African Banker magazine in 2012. The Bank became the first Company and Bank to be rated by a credit rating agency in Rwanda and received a rating of A+/A1/ by Global Credit Rating Company (South Africa).


James is often a key speaker in many international and African business forums including addressed the CBC and the East African Community. HE serves on numerous Boards including the Commonwealth Business Council (CBC), East African Business Council (EABC), Magasins Generaux du Rwanda S.A. (MAGERWA), Rwanda National Resources Authority and National Land Commission. As a Board member of the East African Business Council, Gatera is at the helm of ensuring East African integration and the elimination of non tariff barriers in the East African Community. 


Prior to being the Chief Executive Officer, James was the Deputy Managing Director in Bank of Kigali from 2005-2007. He played a key role in leading the Bank when Belgolaise SA sold its 50% stake to the Government of Rwanda.

In December 2012, James received an Honorary Doctorate Degree by the Commonwealth University of Belize in recognition of his exemplary leadership of the Bank and his tremendous achievements in the Banking Sector in Rwanda.


James holds a Bachelor of Arts degree majoring in Psychology from Simon Fraser University, Canada and Bachelor of Commerce from National University of Lesotho.


Lawson NAIBO, Chief Operating Officer

Lawson is the Chief Operating Officer. He has been with the Bank since 2009. He has wide experience in Strategic Management processes, Financial Accounting Advisory, Corporate Governance, Risk Management and Compliance Advisory gained from over 15 years post qualification experience previously in CFC Bank Group and KPMG East Africa.  Immediately prior to joining the Bank, Lawson was an Associate Director specialising in Transaction Services at KPMG East Africa.

Lawson is a qualified Business Strategy and Financial Services Advisor and holds MBA in Strategic Management from the University of Nairobi (UoN) and BSc in Financial Services from the Manchester Institute of Science and Technology (UMIST) London. He is also a qualified Accountant and Chartered Banker and Certified Trainer in Corporate Governance.  

Flora NSINGA, Chief Shared Services Officer   

Flora is the Chief Shared Services Officer. Prior to this, she was Head of Human Resources and Administration Department and has been with the Bank since 2007. Flora joined with about ten years experience from the telecommunication industry.

Flora has been responsible for the growth in branch network and staff since 2007 was instrumental in leading the Bank through various organisational reforms in 2009. She has overseen the Bank’s strategic human resources restructuring from a product driven structure to a customer focused structure.


Flora holds a Bachelor’s degree in Business Administration with specialisation in Human Resources from Kigali Institute of Science, Technology and Management (KIST).



John K. Bugunya, FCCA, Chief Finance Officer

John has been with the Bank since 2009 and he brings in a wealth of experience from financial advisory and assurance services gained from over 8 years post qualification experience with Ernst & Young and Deloitte. Prior to joining the Bank, John was an Audit Manager with Deloitte in the United Kingdom specialising in financial services. He also serves as a director on the board of Akagera Aviation.


John is responsible for overseeing the development and implementation of the strategic and statutory financial reporting information systems.

John holds a Bachelor’s degree in Business Administration from Makerere University-Uganda, MBA-Accounting & Finance from Oxford Brookes University, UK and is a Fellow of the Association of Certified Chartered Accountants –UK (ACCA).