APEX BIOTECH LTD v. NDAYOBOTSE N’UNDI

# APEX BIOTECH LTD v. NDAYOBOTSE N’UNDI

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2025-01-24 - Case/document no.: RCOMAA 00095/2024/CA - Collection: Court of Appeal

## Text

## Page 1

APEX BIOTECH LTD v. NDAYOBOTSE N’UNDI [Rwanda URUKIKO RW’UBUJURIRE – RCOMAA 00095/2024/CA (Kamere, P.J.) 24 Mutarama 2025] Amategeko agenga imanza z’ubucuruzi – Cyamunara – Inyandiko zirebana na cyamunara yaregewe isabirwa guteshwa agaciro – Inyandiko zirebana na cyamunara yaregewe isabirwa guteshwa agaciro byitwa ko zamenyeshejwe uwo zireba mu buryo bukurikije amategeko iyo zanyujijwe ku bafite ububasha bwo kuzakira. Incamake y’ikibazo: APEX BIOTECH LTD nyuma yuko inaniriwe kwishyura umwenda yari ibereyemo COGEBANQUE yahindutse EQUITY BANK RWANDA PLC, Umwanditsi Mukuru yatanze uburenganzira bwo kugurisha umutungo wayo uri ku butaka bubaruye kuri UPI :1/02/01/01/2518, binyuze muri cyamunara y’ingwate, ashyiraho ushinzwe kuwugurisha ari we Me Silas Ndayobotse, umutungo uragurishwa, wegukanwa na EQUITY BANK RWANDA Plc ku mafaranga miliyari ebyiri (2.000.000.000 Frw). Nyuma y’iyo cyamunara, APEX BIOTECH LTD yatanze ikirego mu Rukiko isaba urwo Rukiko gutesha agaciro cyamunara yakozwe ku mutungo wayo ikavuga ko itamenyeshejwe permit to sale na valuation report, amabwiriza ya cyamunara n’amatangazo. Urukiko rw’Ubucuruzi rwaciye urubanza rwemeza ko APEX BIOTECH Ltd itamenyeshejwe mu buryo bukurikije amategeko amabwiriza, amatangazo, permit to sale na valuation report, rutegeka ko cyamunara iteshejwe agaciro. Ndayobotse na EQUITY BANK RWANDA Plc bajuririye mu Rukiko Rukuru rw’Ubucuruzi bavuga ko banenga ko Urukiko rw’Ubucuruzi rwirengagije ibiteganywa n’amategeko n’ibimenyetso bihuje na kamere y’ikiburanwa ndetse no gushyira mu kuri, basaba ko Urukiko rwajuririwe rwakongera rugasuzuma ibimenyetso byagaragajwe no kureba niba koko APEX BIOTECH Ltd itaramenyeshejwe. Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza rwemeza ko ubujurire bufite ishingiro, ko imikirize y’urubanza rwaciwe n’Urukiko rw’Ubucuruzi ihindutse, ko cyamunara igumyeho. APEX BIOTECH Ltd yajuririye mu Rukiko rw’Ubujurire isaba Urukiko gusuzuma niba yaramenyeshejwe inyandiko za cyamunara, ikavuga ko nubwo Urukiko rwemeje ko yamenyeshejwe hashingiwe ku ngingo ya 31 y’itegeko rigenga amasosiyeti, atari ko byagenze ndetse ibyabaye ntaho bihuriye n’ingingo y’itegeko yavuzwe haruguru. Asaba ko Urukiko rw’Ubujurire ko rwakwemeza ko icyemezo cy’urukiko ku bijyanye no kumenyeshwa gihinduka kuko kidashingiye ku kuri n’amategeko, bityo cyamunara igateshwa agaciro. Ndayobotse na Equity Bank Rwanda Plc biregura bavuga ko uwajuririye atabasha kugaragaza ko ko inyandiko zigibwaho impaka zamenyeshejwe n’umuhesha zaba ari impimbano, bakavuga kandi ko nta kosa riri mu rubanza rujuririrwa kuko mw’imenyeshwa ry’inyandiko zose zigibwaho impaka hubahirijwe ibiteganyijwe mu ngingo ya 31 y’Itegeko No 007/2021 rigenga amasosiyete y’Ubucuruzi.

## Page 2

Incamake y’icyemezo: Inyandiko zirebana na cyamunara yaregewe isabirwa guteshwa agaciro byitwa ko zamenyeshejwe uwo zireba mu buryo bukurikije amategeko iyo zanyujijwe ku bafite ububasha bwo kuzakira. Ubujurire nta shingiro bufite. Amagarama ahwanye n’ibyakozwe mu rubanza. Amategeko ayshingiweho: Itegeko N° 007/2021 ryo ku wa 05/02/2021 rigenga amasosiyete y’ubucuruzi, Ingingo ya 31. Amabwiriza y’Umwanditsi Mukuru Nº 001/2020/org yo ku wa 12/05/2020 agenga ibyerekeye gucunga, gukodesha, kugurisha mu cyamunara, no kwegukana ingwate, Ingingo ya 27. Nta manza zifashishijwe

Urubanza I. IMITERERE Y′URUBANZA [1] Ku wa 27/02/2024, hagamijwe kugira ngo hishyurwe umwenda APEX BIOTECH Ltd yari ibereyemo COGEBANQUE ubu yahindutse EQUITY BANK RWANDA Plc, Umwanditsi Mukuru yatanze uburenganzira bwo kugurisha umutungo uri ku butaka bubaruye kuri UPI :1/02/01/01/2518 wa APEX BIOTECH Ltd, binyuze muri cyamunara y’ingwate, ashyiraho ushinzwe kuwugurisha ari we Me Silas Ndayobotse, umutungo uragurishwa, wegukanwa na EQUITY BANK RWANDA Plc ku mafaranga miliyari ebyiri (2.000.000.000 Frw). [2] APEX BIOTECH Ltd yatanze ikirego mu Rukiko rw’Ubucuruzi cyandikwa kuri RCOM 00830/2024/TC, isaba urukiko gutesha agaciro cyamunara yakozwe ku mutungo wa APEX BIOTECH ufite UPI: 1/02/01/01/2518, kuko ngo ubuyobozi bwa APEX BIOTECH Ltd butamenyeshejwe permit to sale na valuation report, ntibwamenyeshwa amabwiriza ya cyamunara n’amatangazo, kandi ngo EQUITY BANK RWANDA Plc yishyuzaga aba ari na yo yonyine yitabira cyamunara, iyitsindira kuri 2.000.000.000 Frw nyamara umutungo wari warabariwe agaciro ka 4.550.389.726 Frw. [3] Abaregwa batanze inzitizi yo kutakira ikirego kuko ngo urega yakererewe kwandikira Umwanditsi Mukuru amusaba gutesha agaciro cyamunara, maze ku wa 12/09/2024 Urukiko rw’Ubucuruzi rwemeza ko APEX BIOTECH Ltd yarengeje igihe cyo kwandikira Umwanditsi Mukuru igira ibyo inenga kuri cyamunara, rutegeka ko ikirego yatanze kitakiriwe. [4] APEX BIOTECH Ltd yajuririye urubanza RCOM 00830/2024/TC mu Rukiko Rukuru rw’Ubucuruzi, ivuga ko ikirego cyayo cyagombaga kwakirwa n’Urukiko rw’Ubucuruzi ngo kuko itigeze imenyeshwa, ikirego cyandikwa kuri RCOMA 00568/2024/HCC, urubanza ruburanishwa abaregwa badahari, maze ku wa 04/10/2024 Urukiko Rukuru rw’Ubucuruzi ruca urubanza, rwemeza ko Urukiko rw’Ubucuruzi rwagombaga kwakira ikirego RCOM 00830/2024/TC,

## Page 3

rwemeza ko icyemezo Urukiko rw’Ubucuruzi rwafashe cyo kutakira ikirego giteshejwe agaciro, runategeka ko urubanza rusubizwa Urukiko rw’Ubucuruzi kugira ngo ruruburanishe mu mizi. [5] Mu Rukiko rw’Ubucuruzi urubanza rwahawe RCOM 01522/2024/TC, rwongera kuburanishwa mu ruhame ku rwego rwa mbere ku wa 04/11/2024, ababuranyi bose bitabye Urukiko, APEX BIOTECH Ltd ihagarariwe na Me Tuyishime Jean Pierre, Ndayobotse Silas yunganirwa na Me Ndikubwayo Innocent, EQUITY BANK RWANDA Plc ihagarariwe na Me Karemera Frank. Ku wa 07/11/2024, mu guca urubanza Urukiko rw’Ubucuruzi rwemeje ko APEX BIOTECH Ltd itamenyeshejwe mu buryo bukurikije amategeko amabwiriza, amatangazo, permit to sale na valuation report byose bijyanye na cyamunara yabaye ku wa 07/05/2024 ku mutungo UPI: 1/02/01/01/2518; rutegeka ko cyamunara yabaye ku wa 07/05/2024 ku mutungo UPI: 1/02/01/01/2518 wa APEX BIOTECH Ltd uherereye mu Kagari ka Kinyaga, Umurenge wa Bumbogo, Akarere ka Gasabo, Umujyi wa Kigali, iteshejwe agaciro ndetse rutegeka Ndayobotse Silas na EQUITY BANK RWANDA Plc gufatanya kwishyura APEX BIOTECH Ltd indishyi z’ikurikiranarubanza n’igihembo cya Avoka. [6] Ndayobotse Silas na EQUITY BANK Rwanda Plc ntibishimiye imikirize y’urubanza, maze buri wese ararujuririra, Ndayobotse Silas avuga ko Urukiko rwaruciye rwirengagije ibiteganywa n’amategeko n’ibimenyetso bihuje na kamere y’ikiburanwa ndetse no gushyira mu kuri, naho EQUITY BANK Rwanda Plc isaba Urukiko Rukuru rw’Ubucuruzi kongera gusuzuma ibimenyetso byagaragajwe no kureba niba APEX BIOTECH Ltd koko itaramenyeshejwe mu buryo bukurikije amategeko amabwiriza, amatangazo, permit to sale na valuation report byose bijyanye na cyamunara yabaye ku wa 07/05/2024, no gusuzuma niba Equity Bank Rwanda Plc yari ikwiye kuryozwa amakosa yaba yarakozwe n’uwahawe kugurisha ingwate. [7] APEX BIOTECH Ltd yireguye kuri izo mpamvu z’ubujurire ivuga ko nta shingiro zifite kuko ngo nk’uko bigaragara mu bika kuva kuri 27 kugeza kuri 34 by’urubanza rujuririrwa, Urukiko rwasobanuye neza ko adresses za email zamenyesherejweho izo nyandiko atari iza sosiyeti APEX BIOTECH Ltd, ko atari n’iz’abagize inama y’ubutegetsi, ndetse ko umuntu wari warohererejwe inyandiko isaba email imenyekanishwa ryagombaga gukorerwaho atari umuyobozi mukuru wa company, kandi ko hirengagijwe adresses zagombaga gukoreshwa ziri ku byangombwa bya APEX BIOTECH Ltd. Avuga ko hari n’izindi mpamvu zo gutesha agaciro cyamunara zaburanweho ariko ntizasuzumwa n’urukiko. Asoza asaba indishyi z’ikurikiranarubanza n’igihembo cya Avoka. [8] Ku wa 02/12/2024, Urukiko Rukuru rw’Ubucuruzi rwaciye urubanza RCOMA 00696/2024/HCC & CMB RCOM A 00698/2024/HCC, rwemeza ko ubujurire bwa Ndayobotse Silas na EQUITY BANK RWANDA Plc bufite ishingiro, ko ubujurire bwa APEX BIOTECH Ltd bwuririye ku bwa Ndayobotse Silas na EQUITY BANK RWANDA Plc nta shingiro bufite, ko imikirize y’urubanza RCOM 01522/2024/TC rwaciwe n’Urukiko rw’Ubucuruzi ku wa 07/11/2024 ihindutse cyamunara igumyeho. Rutegeka ko cyamunara yabaye ku wa 07/05/2024 ku mutungo UPI : 1/02/01/01/2518 wa APEX BIOTECH Ltd uherereye mu Kagari ka Kinyaga, Umurenge wa Bumbogo, Akarere ka Gasabo, Umujyi wa Kigali, mu Rwanda, igumanye agaciro. [9] APEX BIOTECH Ltd ntiyishimiye imikirize y’urubanza, ijuririra Urukiko rw’Ubujurire, ubujurire bwandikwa kuri RCOMAA 00095/2024/CA, isaba ko hakongera gusuzumwa niba kwemeza ko APEX BIOTECH Ltd yamenyeshejwe inyandiko za cyamunara bifite ishingiro, niba

## Page 4

ubujurire bwuririye ku bundi bwaragombaga kwakirwa bugahabwa ishingiro, niba gukuraho indishyi zaciwe EQUITY BANK bifite ishingiro n’ikibazo cy’ingano y’indishyi z’ikurikiranarubanza n’igihembo cya Avoka APEX BIOTECH Ltd isaba guhabwa. [10] Iburanisha ry’urubanza ryashyizwe ku wa 08/01/2025, ruburanishwa APEX BIOTECH Ltd yitabye ihagarariwe na Me Tuyishime Jean Pierre, Ndayobotse Silas yunganiwe na Me Ndihokubwayo Innocent, naho EQUITY BANK RWANDA Plc ihagarariwe na Me Karemera Frank. Urukiko rwapfundikiye urubanza rutangaza ko ruzaruca ku wa 17/01/2025, uwo munsi isomwa ryarwo ryimurirwa ku wa 24/01/2025, ari nawo munsi rusomeweho. [11] Impaka hagati y’ababuranyi zigaragaza ibibazo bikurikira Urukiko rugomba gusuzuma : -Kumenya niba kwemeza ko APEX BIOTECH Ltd yamenyeshejwe inyandiko za cyamunara bifite ishingiro ; -Kumenya niba ubujurire bwa APEX BIOTECH Ltd bwuririye ku bundi bwaragombaga kwakirwa bugasuzumwa ; -Gusuzuma niba gukuraho indishyi zari zaraciwe EQUITY BANK Rwanda Plc bifite ishingiro ; -Ibijyanye n’amafaranga y’igihembo cya Avoka n’ikurikiranarubanza asabwa n’ababuranyi. II. ISESENGURA RY’IBIBAZO BIGIZE URU RUBANZA Gusuzuma niba kwemeza ko APEX BIOTECH Ltd yamenyeshejwe inyandiko za cyamunara bifite ishingiro [12] Me Tuyishime Jean Pierre, uhagarariye APEX BIOTECH Ltd, avuga ko mu bika bya 40 kugera kuri 42 by’urubanza rujuririrwa Urukiko Rukuru rw’Ubucuruzi rwavuze ko ngo kuwa 28/8/2023 MADARI HERBMADZ yamenyeshejwe inyandiko yitwa NOTICE OF PUBLICATION FOR FIXED ASSET, ngo arayakira ndetse ngo ashyiraho email bazamuhuzaho na cyamunara ariyo bishojitdas9@gmail.com, n’ubwo iyo email urukiko ruhindukira rukayita iya BISHOJIT DAS. Avuga ariko ko iyo nyandiko ntayigeze ibaho dore ko ntaniri muri dosiye, ko iri muri dosiye ari inyandiko yo kuwa 26/8/2023 yakiriwe n’uwari umukozi ariwe BISHOJIT DAS, ikaba ntaho ivuga MADARI HERBMADZ, kandi iyo nyandiko ngo ntan’ubwo yerekeye cyamunara iburanwa dore ko ubwayo igaragaza ko cyamunara ijyanye nayo itabayeho. [13] Akomeza avuga ko Urukiko rwanemeje ko APEX BIOTECH Ltd yamenyeshejwe hakoreshejwe email y’ugize inama y’ubutegetsi ariyo herbmadz@gmail.com, ngo ikaba ari iya MASROOR EHAI, ariko ngo ibi bikaba bitandukanye n’imiburanire ya Silas Ndayobotse na EQUITY Bank bo bavuga ko iyo email ari iya MADARI HERBMADZ n’ubwo yaba urukiko ndetse na Me Silas Ndayobotse na Bank ntawagaragaje aho iyo email yavuye, ndetse ngo banagaragaze impamvu uwo bavuga ko ari nyirayo yamenyeshejwe kuri email aho kumenyeshwa hakoreshejwe inzira zisanzwe. Ibi ngo urukiko rwabirenzeho rwemeza ko APEX BIOTECH Ltd yamenyeshejwe hagendewe ku ngingo ya 31 y’itegeko rigenga amasosiyeti, nyamara ngo nk’uko yabisobanuye haruguru uburyo urukiko ruvuga imenyeshwa ryakozwemo ntabwo ari ko ryagenze ndetse ibyabaye ntaho bihuriye n’ingingo y’itegeko yavuzwe haruguru. Bityo akaba asaba ko Urukiko

## Page 5

rw’Ubujurire rwemeza ko icyemezo cy’urukiko ku bijyanye no kumenyeshwa gihinduka kuko kidashingiye ku kuri n’amategeko, bityo cyamunara igateshwa agaciro. [14] Ndayobotse Silas n’umwunganira biregura bavuga ko nta kosa na rimwe umucamanza mu rubanza rujuririrwa yakoze kuko ngo uruhande rwa APEX Biotech Ltd rwananiwe kugaragariza urukiko ko BISHOJIT DAS wakiriye inyandiko zose akanashyiraho na kashi ya sosiyeti Apex Biotech Ltd, akanazohererezwa kuri email ye bishojitdas9@gmail.com, atari umukozi wayo ndetse no kuba undi witwa Herbmadz Herberton MADARI wazohererejwe kuri email ye ariyo herbmadz@gmail.com, atari umunyamigabane akaba n’umwe mu bagize inama y’ubutegetsi muri APEX Biotech Ltd. [15] Bavuga kandi ko APEX Biotech Ltd yananiwe mu buryo bw’amategeko n’ibimenyetso kugaragariza urukiko ko inyandiko zigibwaho impaka zamenyeshejwe n’umuhesha w’inkiko Me Mukabarisa Bernadette zaba ari ibihimbano nk’uko biteganywa n’ingingo ya 62 y’Itegeko N° 12/2013 ryo kuwa 22/03/2013 rigenga umurimo w’Abahesha b’Inkiko ngo urukiko urwari rwo rwose rubifitiye ububasha rubishingireho ruca urubanza rwemeza ko inyandiko zose zakozwe na Me Mukabarisa Bernadette ari impimbano cyangwa zitavugisha ukuri. [16] Bavuga ko kugeza n’ubu APEX Biotech Ltd yananiwe kuzana uwitwa BISHOJIT DAS kugira ngo abe yahakanira imbere y’urukiko ko atigeze yakira inyandiko zigibwaho impaka, ngo anahakane kuba ari umukozi wa APEX BIOTECH Ltd wakiriye inyandiko zigibwaho impaka, ndetse anahakane kuba ari we nyiri email bishojitdas9@gmail.com iri mu zanyuzwagaho izo nyandiko. [17] Banavuga ko Apex Biotech Ltd yananiwe kuzana uwitwa Herbmadz Herberton MADARI kugira ngo abe yahakana ko usibye no kuba ari umunyamigabane wa Apex Biotech Ltd atari n’umwe mu bagize inama y’ubutegetsi yayo, ndetse ngo abe yanihakana email ye herbmadz@gmail.com iri mu zoherejweho inyandiko zigibwaho impaka. [18] Banzura bavuga ko basanga nta kosa ryakozwe mu rubanza rujuririrwa kuko mw’imenyeshwa ry’inyandiko zose zigibwaho impaka hubahirijwe ibiteganyijwe mu ngingo ya 31 y’Itegeko No 007/2021 rigenga amasosiyete y’Ubucuruzi, ko ibyo APEX Biotech Ltd irega ivuga byose yirengagiza ko ikwiye kubahiriza ibiteganywa n’ingingo ya 40, igika cya 1 y’itegeko N° 062/2024 ryo ku wa 20/06/2024 rigenga ibimenyetso iteganya ko urega cyangwa utanze ikibazo agaragaza ikimenyetso cy’ibyo aregera cyangwa asaba, ndetse n’ingingo ya 12 y’Itegeko Nº 22/2018 ryo kuwa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, igena ko urega agomba kugaragaza ibiminyetso by’ibyo aregera. Bityo ko ntaho urukiko rwari guhera rufata icyemezo gitandukanye n’icyo rwafashe. Bityo ubu bujurire bwa APEX BIOTECH Ltd ngo bukaba nta shingiro bugomba guhabwa mu ngingo zabwo zose. [19] Uburanira EQUITY BANK RWANDA Plc avuga ko kuri iyi ngingo iburanwa Urukiko rw’Ubujurire rugomba gusuzuma niba APEX BIOTECH Ltd yaramenyeshejwe inyandiko za cyamunara nk’uko byemejwe n’ Urukiko Rukuru rw’ Ubucuruzi hakurikijwe ibiteganywa n’ingingo ya 31 y’Itegeko N°007/2021 ryo ku wa 05/02/2021 rigenga amasosiyete y’ubucuruzi, iteganya ibi bikurikira: “itumanaho iryo ari ryo ryose cyangwa inyandiko imenyesha iyo ari yo yose ishobora kugezwa ku isosiyete mu buryo bukurikira: 1° nyirayo ayinyujije k’ugize Inama

## Page 6

y’Ubutegetsi ya sosiyete cyangwa Umwanditsi w’isosiyete; 2° inyujijwe mu ibaruwa ishinganye kuri aderesi y’iposita yanditswe y’isosiyete cyangwa hakoreshejwe uburyo bw’ikoranabuhanga; 3° igejejwe ku cyicaro cyanditse cy’aho isosiyete ikorera; 4° ishyikirijwe umukozi wa sosiyete ku cyicaro gikuru cya sosiyete cyangwa aho ikorera ibikorwa by’ubucuruzi; 5° hakurikijwe ubwumvikane bwagiranywe n’isosiyete”. [20] Avuga ko mu rubanza rujuririrwa mu bika kuva ku cya 28 kugera ku cya 33 urukiko rwasobanuye uko izo nyandiko zose zagiye zimenyeshwa APEX Biotech Ltd, ko nk’uko biteganywa n’ Ingingo ya 31 yavuzwe haruguru Me Ndayobotse Silas yamenyesheje APEX BIOTECH Ltd binyuze ku bantu 2 barimo umwe mu bagize Inama y’Ubutegetsi ya sosiyete witwa HERBMADZ HERBERTON MADARI aho yakoresheje Email ye herbmadz@gmail.com, uyu akaba agaragazwa n’icyemezo cyatanzwe na Rwanda Development Board (RDB) kuwa 16/05/2024 (Full registration information of domestic Company) nk’ufite izo nshingano muri sosiyeti nk’uko Urukiko rwabisobanuye mu gika cya 28 cy’urubanza rujuririrwa. Undi wa kabiri wanyujijweho izo nyandiko nk’uko byemewe n’ingingo ya 31, 4o iteganya ko sosiyete ishobora kumenyeshwa binyuze ku mukozi wayo ku cyicaro gikuru cya sosiyete cyangwa aho ikorera ibikorwa by’ubucuruzi, akaba ari umukozi wa APEX BIOTECH Ltd witwa BISHIJIT DAS wanatanze amasezerano ye y’ akazi agaragaza ko ari umukozi wa APEX Biotech Ltd. [21] Kubyerekeranye n’inyandiko yitwa Notice of Public aution For Fixed Asset yo kuwa 07/08/2023, uburanira EQUITY BANK RWANDA Plc avuga ko mu gika cya 40 cy’urubanza rujuririrwa urukiko rwavuze uko APEX nayo yayimenyeshejwe kandi ko Urukiko rw’Ubujurire ruzabona ko nayo umukozi witwa BISHIJIT DAS yayakiriye kuwa 07/08/2023, ndetse anateraho kashe ya sosiyete igaragaza ko ayakiriye mu mwanya wa Sosiyete, ibyo nabyo ngo APEX ikaba idafite uko yabihakana mu gihe bigaragara ko yakiriwe n’umukozi wayo kandi bikaba ari ko biteganywa n’amategeko. Bityo asaba Urukiko rw’Ubujurire kwemeza ko APEX BIOTECH Ltd yamenyeshejwe inyandiko za cyamunara zose mu buryo bwemewe n’amategeko. UKO URUKIKO RUBIBONA: [22] Ikibazo kigomba gusuzumwa aha ni ukumenya niba inyandiko zari zaragenewe kumenyeshwa APEX BIOTECH Ltd zirebana na cyamunara y’umutungo wayo yabaye ku wa 07/05/2024, zaranyujijwe ku babyemerewe ku buryo byakwitwa ko APEX BIOTECH Ltd yazimenyeshejwe mu buryo bukurikije amategeko cyamunara ikagumaha, baramuka batari babifitiye ububasha izo nyandiko zikaba zitaramenyeshejwe APEX BIOTECH Ltd mu buryo bukurikije amategeko, bigatuma cyamunara iteshwa agaciro. [23] Ingingo ya 31 y’Itegeko N° 007/2021 ryo ku wa 05/02/2021 rigenga amasosiyete y’ubucuruzi iteganya ibi bikurikira: “itumanaho iryo ari ryo ryose cyangwa inyandiko imenyesha iyo ari yo yose ishobora kugezwa ku isosiyete mu buryo bukurikira: 1° nyirayo ayinyujije k’ugize Inama y’Ubutegetsi ya sosiyete cyangwa Umwanditsi w’isosiyete; 2° inyujijwe mu ibaruwa ishinganye kuri aderesi y’iposita yanditswe y’isosiyete cyangwa hakoreshejwe uburyo bw’ikoranabuhanga; 3° igejejwe ku cyicaro cyanditse cy’aho isosiyete ikorera; 4° ishyikirijwe umukozi wa sosiyete ku cyicaro gikuru cya sosiyete cyangwa aho ikorera ibikorwa by’ubucuruzi; 5° hakurikijwe ubwumvikane bwagiranywe n’isosiyete”.

## Page 7

[24] Ingingo ya 27 y’Amabwiriza y’Umwanditsi Mukuru Nº 001/2020/org yo ku wa 12/05/2020 agenga ibyerekeye gucunga, gukodesha, kugurisha mu cyamunara, no kwegukana ingwate iteganya ibi bikurikira : “Inyandiko y’amabwiriza y’igurisha mu cyamunara iherekezwa na kopi y’icyemezo cyo kugurisha mu cyamunara ingwate cyamenyeshejwe uwatanze ingwate na nyir’umutungo iyo atandukanye n’uwatanze ingwate (…)”. [25] Urukiko rw’Ubujurire, ruhuje izo ngingo n’ikibazo cy’ababuranyi uko cyagaragajwe hejuru, APEX BIOTECH Ltd ivuga ko itigeze imenyeshwa amabwiriza n’amatangazo bya cyamunara, permit to sale, permit to sale yatanzwe n’umwanditsi wa RDB na valuation report cyangwa se igenagaciro ryahawe umutungo UPI: 1/02/01/01/2518 mu gihe EQUITY BANK RWANDA Plc na Ndayobotse Silas wari ushinzwe kugurisha ingwate, bemeza ko izo nyandiko zose yazimenyeshejwe binyuze kuri emails z’abakozi bayo ari zo:bishojitdas9@gmail.com na herbmadz@gmail.com, kandi ngo bikaba bikurikije ingingo ya 31 y’Itegeko N° 007/2021 ryo ku wa 05/02/2021 rigenga amasosiyete y’ubucuruzi. [26] Dosiye igaragaza ko mu gusuzuma icyo kibazo ku rwego rwa mbere mu bika by’urubanza 16-37, Urukiko rumaze kubona ko iyandikisha ry’iyi sosiyete APEX BIOTECH Ltd rigaragaza neza ko ifite telefone (+250)785 791 821 na Email: masroore@gmail.com, ko Me Mukabarisa Bernadette, Umuhesha w’Inkiko w’umwuga, yohereje kuri Email: herbmadez@gmail.com, amumenyesha permit to sale plot… ko kandi Me Mukabarisa Bernadette agaragaza ko ku wa 02/04/2024 ayimenyesheje Bishojit Das na Masroor Ehai N kuri Emails zabo:herbmadz@gmail.com, na bishojitdas@gmail.com, Urukiko rusanga Emails abaregwa bavuga ko bakoresheje ari zo herbmadz@gmail.com na bishojitdas@gmail.com rutamenya mu by’ukuri aho zavanywe cyane ko zitagaragara mu nyandiko y’iyandikishwa rya APEX BIOTHEC Ltd, kuvuga ko ari aderesi bahawe na MASROOM BHAI kuri telefone ye 881793-99, bikaba bitahabwa ishingiro cyane ko Phone Number: +880782105208 ya MASROOR EHSAN CHOUDHURY iri muri Full Registration Information of Domestic Company (APEX BIOTECH Ltd) itandukanye n’iyo bavuga bamuvugishirijeho kandi bikaba bitumvikana ukuntu batakoresheje address ya APEX BIOTECH Ltd ari yo telefone (+250) 785 791 821 na Email: masroore@gmail.com, nk’uko igaragara muri “Full registration information of domestic Company” yayo. Kuvuga ko HERBMADZ HERBERTON MADARI ari mu nama y’Ubutegetsi ubwabyo, Urukiko rubona ko bidahagije kuko ntakigaragaza ko Email yakoreshejwe amenyeshwa ari iye cyane ko bavuga ko uwabahaye izo Emails ari MASROOR EHAI N uri mu Nama y’Ubutegetsi ya APEX nyamara telefone bakoresheje idahura n’iye, uwo bamenyesheje akaba ari MASROOR EHSAN CHOUDHURY utandukanye n’umunyamigabane wa APEX uri no mu Nama y’Ubutegetsi, bityo rutegeka ko iyo cyamunara yakozwe iteshwa agaciro. [27] Iyo ngingo yongeye gusuzumwa n’Urukiko Rukuru rw’Ubucuruzi ku bujurire bwatanzwe na EQUITY BANK RWANDA Plc na Ndayobotse Silas, maze mu gika cya 41 na 42 by’urubanza, Urukiko rubona ko inyandiko yiswe iyo ku wa 28/03/2024, igaragaza ko Me Mukabarisa Bernadette amenyesheje iyi nyandiko ku wa 02/04/2024 yayimenyesheje BISHOJIT DAS na MASROOR EHAI kuri Emails zabo herbmadz@gmail.com na bishojitdas9@gmail.com. Rubona kandi ko Permit to sale the mortgaged property yo ku wa 27/02/2024 igaragaza ko Umuhesha w’Inkiko Mukabarisa Bernadette, yayimenyesheje APEX BIOTECH Ltd aho ikorera, igasanga nta mukozi n’umwe wayo uhari, akavugana na MASROOM BHAI kuri telefone ye 881793-99 ndetse kandi Herbmadz Herberton MADARI akaba ari mu nama y’ubutegetsi kandi n’uyu BISHOJIT DAS akaba ari production Manager wa APEX BIOTECH Ltd. Urukiko rusanga ibi bihura neza

## Page 8

n’ibyandiste mu ngingo ya 31 agace ka 1, 3 na 4 y’Itegeko N° 007/2021 ryo ku wa 05/02/2021 rigenga amasosiyete y’ubucuruzi, rubona gutyo ko Urukiko rubanza rwirengagije ibimenyetso rwari rwagaragarijwe mu rubanza bihuye na kamere y’ikiburanwa, bivuga ko cyamunara itagombaga guteshwa agaciro, bityo ruhindura urubanza, rwemeza ko cyamunara igomba kugumaho kuko yakozwe bikurikije amategeko. [28] Dosiye igaragaza ko hari icyemezo cyatanzwe na Rwanda Development Board (RDB) ku wa 16/05/2024 (Full registration information of domestic Company), kigaragaza ko APEX BIOTECH Ltd ari Domestic Company yanditswe ku wa 21/03/2016, ikaba ibarizwa mu Murenge wa Remera, Akarere ka Gasabo, Umujyi wa Kigali, mu Rwanda, ifite telefone (+250)785 791 821 na Email: masroore@gmail.com, ikaba ihagarariwe na A A FARUQUE (Managing Director), akagira Phone Number : +8801943313448. Abagize inama y’Ubutegetsi bw’iyi sosiyete harimo MASROOR EHSAN CHOUDHURY, ufite aderesi CHITTAGONG, BANGLADESH Phone Number : +880782105208, HERBMADZ HERBERTON MADARI ubarizwa mu murenge wa Gikondo, Akarere ka Kicukiro, Umujyi wa Kigali, mu Rwanda ufite Phone Number : (+250)785 791 821. Abanyamigabane b’iyi sosiyete harimo MASROOR EHSAN CHOUDHURY na Herbmadz Herberton MADARI. [29] Dosiye igaragaza kandi ko ku wa 07/08/2023, Company Bishojit Das Production Manager yakiririye ibaruwa ya Me Ndayobotse Silas yandikiye Director Manager wa APEX asaba e-mail yabo bazahuzwaho na System ya IECMS, ngo cyamunara ishobore kuzaba. Igaragaza ko ku wa 26/08/2023 hatanzwe e-mail: bishojitdas,9@gmail.com, (For link me with IECMS) itanga na tel 0726365575. Igaragaza ikimenyetso ko APEX yari ihujwe na cyamunara hagaragaramo, Corporation name (APEX) na residential adress. Igaragaza nanone e-mail: herbmadz@gmail.com Me Mukabarisa Bernadette yagiye amenyeshaho ibyerekeye iyo cyamunara. [30] Urukiko rw’Ubujurire rubona ko Permit to sale the mortgaged property yo ku wa 27/02/2024 Urukiko Rukuru rw’Ubucuruzi rwemeje ko Umuhesha w’Inkiko Mukabarisa Bernadette yayimenyesheje APEX BIOTECH Ltd aho ikorera mu Murenge wa Remera, Akarere ka Gasabo, Umujyi wa Kigali, ruyihuza n’ibiteganywa n’ingingo ya 31 y’Itegeko ryavuzwe hejuru; bityo nyuma yo kubona ko APEX BIOTECH Ltd yamenyeshejwe inyandiko zirimo permit to sale ku wa 13/03/2024, naho amabwiriza y’igurisha iyamenyeshwa ku wa 02/04/2024, Urukiko rw’Ubujurire narwo rurasanga ibiteganywa n’ingingo ya 31 yibukijwe haruguru byarubahirijwe izo nyandiko zinyuzwa ku babifitiye ububasha ari bo BISHOJIT Das na MASROOR EHAI kuri Emails zabo herbmadz@gmail.com na bishojitdas9@gmail.com. [31] Hashingiwe ku bimaze gusobanurwa ndetse n’ingingo z’amategeko zavuzwe hejuru, Urukiko rw’Ubujurire rurasanga nk’uko Urukiko Rukuru rw’Ubucuruzi rwabibonye, inyandiko zirebana na cyamunara yaregewe isabirwa guteshwa agaciro zaramenyeshejwe APEX BIOTECH Ltd mu buryo bukurikije amategeko zinyujijwe ku bafite ububasha bwo kuzakira mu izina ryayo, bityo rukaba rugomba kwemeza ko ubujurire bwa APEX BIOTECH Ltd nta shingiro bufite kuri iyi ngingo, urubanza rwajuririwe rukaba rutagomba guhinduka Kuri iyi ngingo.

Gusuzuma niba ubujurire bwa APEX BIOTECH Ltd bwuririye ku bundi bwaragombaga kwakirwa bugasuzumwa

## Page 9

[32] Uburanira APEX BIOTECH Ltd avuga ko nk’uko bigaragara mu gika cya 53 kugeza ku cya 59 by’urubanza rujuririrwa, urukiko rwanze kwakira ubujurire bwayo bwuririye ku bundi rushingiye ku ingingo ya 188, 150 na 154 za CCLAP zerekeye ubujurire aho gushingira ku ingingo ya 152 ya CCLAP ivuga ku bujurire bwuririye ku bundi. Avuga ko Urukiko rwavuze ko ubujurire bwuririye ku bundi ngo bwatanzwe ibihe byararenze ariko mu gika cya 58 cy’urubanza ngo rukongera rukivuguruza rukavuga ko itegeko nta gihe ntarengwa cyo gutanga ubujurire bwuririye ku bundi ryagennye, ariko nanone rukongera rukavuga ko icyo APEX yita ubujurire bwuririye ku bundi ngo ari ubujurire busanzwe ngo ndetse bushingiye ku bitaraburanishijwe ku rwego rwa mbere nyamara atari ko bimeze kuko ubujurire bwuririye ku bundi bwa APEX bwasabaga urukiko gusuzuma impamvu zo gutesha agaciro cyamunara zitagarutsweho mu rubanza rwa TC nyamara zaraburanweho kuri urwo rwego. Akavuga ko mu kuvuga ko ubujurire bwuririye ku bundi bwatanzwe ibihe by’ubujurire byararenze asanga harimo kuba urukiko rwarirengagije ko nta nyungu APEX yari ifite yo kujurira igihe Me Silas na Banki batajuriye kuko icyo yasabaga urukiko cyo gutesha agaciro cyamunara rwari rwagitanze. Bityo arasaba uru Rukiko rw’Ubujurire gusuzuma impamvu zo gutesha agaciro cyamunara zagaragajwe ku nzego zombi zabanje ariko inkiko ntizizisuzume. Izo mpamvu ngo zikaba ari izi ebyiri zikurikira : a) Kuba Me Ndayobotse Silas yagurishije umutungo urenze uwo Umwanditsi Mukuru yatangiye uburenganzira, kuko nk’uko ngo bigaragazwa na permit to sale ifite Ref.No: 024035137 yo kuwa 27/2/2024 ari nayo yagendeweho hakorwa cyamunara, Umwanditsi Mukuru yatanze uburenganzira bwo kugurisha ubutaka bufite UPI: 1/02/01/01/2518 (ubutaka buherereyeho inyubako y’uruganda) nyamara Me Ndayobotse Silas we akaba yaragurishije inyubako y’uruganda ndetse n’umutungo wimukanwa wose wari mu ruganda, harimo imashini zose zakoreshwaga mu ruganda ndetse n’ibindi bikoresho byose byarimo. Ibi ngo byakozwe hirengagijwe ko ibikoresho by’uruganda n’inyubako y’uruganda ari ingwate ebyiri zitandukanye nk’uko bigaragazwa n’amasezerano y’ubugwate ari ku mugereka. Avuga ko ikigaragaza ko yagurishije imashini n’ibindi bikoresho by’uruganda ari amatangazo ya cyamunara ndetse na raporo ya cyamunara. b) Kuba Me Ndayobotse Silas yaragurishije imitungo kandi atari agifite ububaasha bwo kugurisha kuko cyamunara ya 3 yatangiye kuwa 30/4/2024 ikarangira ku wa 7/5/2024 nyamara permit to sale igaragaza ko ububasha bw’Uwashinzwe kugurisha ingwate (Me NDAYOBOTSE Silas) bwararangiye kuwa 27/4/2024. [33] Uruhande rwa Me Ndayobotse Silas rwiregura ruvuga ko asanga ibivugwa aha na APEX BIOTECH Ltd bitaba ingingo y’ubujurire, kuko iki kirego cyose hadaciwe ku ruhande urwo ari rwo rwose, APEX BIOTECH LTD irega ikwiye kugaragaza mu buryo burunduye ko itamenyeshejwe nk’uko irega ibivuga, ikagaragaza ko ubwisobanuro bwa Me Ndayobotse Silas ari nta shingiro bufite, bityo ko mu gihe ubusobanuro bwa APEX BIOTECH LTD bwaramuka buhawe ishingiro mu rwego rw’amategeko n’ibimenyetso ari nabwo iyi ngingo y’ubujurire yasobanuka cyane cyane hakibazwa niba ubujurire bwa APEX BIOTECH Ltd bwuririye ku bundi bwari bukwiye kwakirwa bugahabwa ishingiro cyangwa se niba bwari bukwiye kwakirwa ariko bukaburirwa ishingiro. [34] Ndayobotse Silas n’umwunganira bavuga kandi ko no kuri iyi ngingo iburanwa APEX BIOTECH LTD ngo igifite inshingano yo kugaragaza ikimenyetso cy’ibyo iregera cyangwa isaba nk’uko biteganywa n’ingingo ya 6 na 40 z’Itegeko N° 062/2024 ryo ku wa 20/06/2024 rigenga ibimenyetso ndetse n’ingingo ya 12 y’Itegeko Nº 22/2018 ryo kuwa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ko igihe

## Page 10

cyose izi nshingano zimaze kuvugwa haruguru APEX BIOTECH LTD itarazuzuza, uruhande rwa Me Ndayobotse Silas rukibona ko iyi ngingo y’ubujurire bwayo nta shingiro ifite. [35] Uburanira EQUITY BANK RWANDA Plc avuga ko mu rubanza rujuririrwa APEX yatanze impamvu z’ubujurire bwuririye ku bundi harimo ko Me Ndayobotse Silas yagurishije umutungo urenze uwo Umwanditsi Mukuru yatangiye uburenganzira, ko hari permit to sale ifite Ref. No : 024-035137 yo kuwa 27/2/2024 ari nayo yagendeweho hakorwa cyamunara, Umwanditsi Mukuru yatanze uburenganzira bwo kugurisha ubutaka bufite UPI : 1/02/01/01/2518 (ubutaka buherereyeho inyubako y’ uruganda) nyamara Me Ndayobotse Silas we akagurisha inyubako y’uruganda ndetse n’umutungo wimukanwa wose wari mu ruganda harimo imashini zose zakoreshwaga mu ruganda ndetse n’ibindi bikoresho byose byarimo. Akavuga ko iyo uburanira APEX BIOTECH Ltd avuga ibi aba yirengagije ko Umwanditsi Mukuru yatanze ubundi burenganzira bwo kugurisha n’ingwate (Permit to sale) y’umutungo wimukanwa bufite ref.RDB/3/RG/411/03/2024 kugira ngo hanagurishwe ibikoresho biri mu ruganda no mu nyubako yarwo (EQUIPMENT), bityo iyi ngingo nayo ngo ikaba nta shingiro ifite. [36] Uburanira EQUITY BANK RWANDA Plc avuga kandi ko mu gika cya 57 cy’urubanza rujuririrwa urukiko rwasobanuye ko ubujurire bwuririye ku bundi bwemewe ariko hakaba habujijwe kugira ibishya usaba mu gihe utabisabye mu rukiko rubanza, ko igishya cyemewe kuzanwamo ari inyungu zabonetse kuva aho urubanza ruciriwe, bitaba ibyo ikirego gishya nticyakirwe. Urukiko ngo rwavuze ko n’ubwo nta minsi yategetswe uregwa agomba gutangamo ubujurire bwuririye ku bundi ariko nk’uko bigarara hashingiwe ku ngingo zavuzwe mu bika bya 53,54,55,56 ndetse na 57 by’ urubanza rujuririrwa, ko ibyo APEX BIOTECH Ltd yavugaga ko hari izindi mpamvu zo gutesha agaciro cyamunara zaburanweho ariko ntizisuzumwe ibi bigarara ko ari ubujurire yakabaye yarakoze nk’uko abo iburana nabo bajuriye banenga icyemezo cy’urukiko. Ibi ngo nibyo Urukiko rwavuze ko bigaragaza ko ibyo APEX BIOTECH Ltd yakoze atari ubujurire bwuririye ku bundi, ko ahubwo ari ubujurire busazwe yajijishije ikabwita ubujuririe bwuririye k’ubundi. Bityo ngo ubu bujurire bukaba butaragombaga kwakirwa, kandi ko ibi nabyo byafashweho umurongo watanzwe mu manza zaciwe n’Urukiko rw’ Ubujurire mu kwezi k’Ukwakira 2023, aho Urukiko rwavuze ku bijyanye no kujuririra urubanza, ibihe by’ubujurire, agaciro k’impamvu z’ubujurire zitanzwe mu myanzuro y’inyongera nyuma y’igihe cy’ubujurire, ko izo ngingo zose zitagomba kwakirwa uretse igihe zuzuza cyangwa zisobanura izatanzwe mu bihe byemewe byo kujurira. Avuga ko ari muri uwo murongo Urukiko rw’Ubujurire rwavuze ruti : “Ingingo iyo ari yo yose itanzwe nyuma y’ibihe ntarengwa byo kujurira, uretse iyuzuza cyangwa isobanura iyatanzwe mu bihe byemewe byo kujurira, ntigomba kwakirwa.” Kuba rero ngo iminsi ivugwa mu gika cya 55 mu rubanza rujuririrwa itarubahirijwe bituma ubwo bujuririre butari kwakirwa kandi ibihe ntarengwa byo kujuririra byararangiye. UKO URUKIKO RUBIBONA [37] Urukiko rurasanga icyatumye mu by’ukuri ubujurire bwuririye ku bundi bwa APEX BIOTECH Ltd buratakiriwe atari ukutubahiriza ibihe bwatangiwemo nk’ubujurire bwuririye ku bundi, ahubwo ni ukubera ko Urukiko Rukuru rw’Ubucuruzi rwasanze butujuje ibisabwa kugira ngo bwitwe ubujurire bwuririye ku bundi, rukaba rwarasanze ibyo APEX BIOTECH Ltd yajuririraga byaragombaga gutangwa nk’ubujurire bw’ibanze, bityo nabwo bugasabwa kubahiriza

## Page 11

ibihe biteganywa n’itegeko byo kujurira nk’uko na Ndayobotse Silas kimwe na EQUITY BANK RWANDA Plc nabo bari batanze ubujurire bwabo bw’ibanze (appel principal). [38] Uru Rukiko rurasanga rero muri ubu bujurire bwa kabiri ntaho rwabona ruhera ruha ishingiro iyi mpamvu y’ubujurire bwa APEX BIOTECH Ltd mu gihe rusanga bushingiye ku myumvire itandukanye n’iyo uru Rukiko rusanga yarakoreshejwe n’Urukiko Rukuru rw’Ubucuruzi.

Gusuzuma niba gukuraho indishyi zaciwe EQUITY BANK bifite ishingiro [39] Uburanira APEX BIOTECH Ltd avuga ko nk’uko bigaragara mu gika cya 49 cy’urubanza rujuririrwa, urukiko rwemeje ko EQUITY BANK idakwiye kuryozwa indishyi ngo kuko ushinzwe kugurisha ingwate atari umukozi wayo. Aha ngo hakaba harirengagijwe ko EQUITY BANK yarezwe nk’uwakiriye amafaranga yavuye muri cyamunara, bivuze ko ngo hari ibyo igomba gutegekwa mu gihe cyamunara yateshwa agaciro, kandi ngo ntiyabitegekwa itabiburanyeho. [40] Avuga ko ikindi gituma EQUITY BANK yaryozwa indishyi ari ukuba nayo yaraburanye ifasha uwashinzwe kugurisha ingwate, ivuga ko cyamunara itagomba guteshwa agaciro. Bityo ngo habayeho kwirengagiza ko EQUITY BANK ifite inyungu iburana muri uru rubanza nk’uko binagaragara mu miburanire yayo, bivuze ko igihe yatsindwa igomba gutanga indishyi nk’uko biteganwa n’amategeko. [41] Uruhande rwa Ndayobotse Silas ruvuga ko n’ubwo ngo rutaburanira EQUITY BANK, rusanga ibivuga haruguru na APEX BIOTECH Ltd atari impamvu y'ubujurire, kuko ngo mu gihe ubujurire bwa EQUITY BANK RWANDA Plc bwari bumaze guhabwa ishingiro bitakumvikana ukuntu yari kuba itsinze yarangiza urukiko rukanayica indishyi. Aha ngo bikaba byakumvikana neza ko indishyi zicibwa uwatsinzwe, zidacibwa uwatsinze. [42] Uburanira EQUITY BANK RWANDA Plc avuga ko ibivugwa na APEX BIOTECH LTD ko Equity Bank igomba gucibwa indishyi ngo kuko ifite inyungu, nta shingiro bifite, kuko ngo hano icyo urukiko rugomba gusuzuma ari uwagize amakosa n’ubwo mu byerekeranye n’ icyamunara nta makosa yabaye, ariko ngo n’iyo Urukiko rwasanga yarabaye, yaba yarakozwe n’ umuhesha w’ inkiko cyane cyane ko aba yaranashyizweho n’ umwanditsi Mukuru, akaba atari umukozi wa EQUITY Bank, EQUITY Bank ikaba itasabwa gufatanya n’Umuhesha w’ inkiko kwishyura APEX amafaranga y’igihembo cy’Avoka n’ikurikiranarubanza ndetse n’amagarama y’urubanza kandi ntaruhare yaba yaragize muri ayo makosa. [43] Asoza avuga ko mu gika cya 49 cy’urubanza rujuririrwa urukiko rwanzuye ko nta makosa uwashinzwe kugurisha ingwate ndetse n’umuhesha w’inkiko bakoze, ariko ko n’iyo bayakora, Equity Bank Rwanda PLC ntaho yari kuba ihuriye nayo kuko yaba uwashinzwe kugurisha ingwate ndetse n’Umuhesha w’Inkiko w’umwuga wamenyesheje APEX BIOTECH Ltd inyandiko zinyuranye, bose ari abanyamwuga, atari abakozi ba banki, ko amakosa bakora aribo bayaryozwa ku giti cyabo na cyane ko banki nta bubasha ibafiteho mu kazi bakora, bityo ko nta mpamvu n’imwe yari ihari yo guca banki indishyi. UKO URUKIKO RUBIBONA

## Page 12

[44] Urukiko rurasanga indishyi zinyuranye APEX BIOTECH Ltd yifuza ko zicibwa EQUITY BANK RWANDA Plc ifatanyije na Ndayobotse Silas ari izishingiye ku makosa yashingiragaho isaba ko cyamunara iteshwa agaciro, bikaba bitumvikana ukuntu Urukiko Rukuru rw’Ubucuruzi rwari gutegeka izi ndishyi n’ubufatanye mu kuzishyura, mu gihe rwari rumaze kubona ko ubujurire bwa EQUITY BANK Plc n’ubwa Ndayobotse Silas bufite ishingiro, ko nta makosa yakozwe yari gutuma cyamunara iteshwa agaciro. [45] Hashingiwe ku bimaze gusobanurwa mu gika kibanziriza iki, uru Rukiko narwo rurasanga ubujurire bwa APEX BIOTECH Ltd nta shingiro bufite Kuri iyi ngingo. Ibijyanye n’amafaranga y’ikurikiranarubanza n’igihembo cya Avoka asabwa n’ababuranyi [46] APEX BIOTECH Ltd isaba ko abaregwa bategekwa kuyishyura 6.000.000 Frw y’ikurikiranarubanza n’igihembo cya Avoka ku nzego zose uko ari eshatu kubera ko yashowe mu manza. [47] Ndayobotse Silas avuga ko amafaranga APEX BIOTECH Ltd isaba itayahabwa ngo kuko itayatangira ibimenyetso n’ishingiro ryayo mu rwego rw’amategeko, kandi ko n’ubujurire bwayo nta shingiro bufite. Asaba ahubwo ko ari APEX BIOTECH Ltd ikwiye gutanga indishyi ziyongera ku zo yari yategetswe mu rubanza rujuririrwa zingana na 300.000 Frw z'ikurikiranarubanza n’igihembo cya Avoka kingana na 500.000 Frw. [48] EQUITY BANK RWANDA Plc isaba Urukiko gutegeka APEX BIOTECH Ltd kuyisubiza amafaranga yatanze kuri ubu bujurire angana na 3.000.000 Frw agizwe na 2.000.000 frw y'igihembo cya avoka ndetse na 1.000.000 Frw y'ikurikiranarubanza. UKO URUKIKO RUBIBONA: [49] Ingingo ya 111 y’Itegeko N° 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ibikurikira : ʺIkirego cy’amafaranga y’ikurikiranarubanza ni ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kiburanishirizwa rimwe n’ikirego cy’iremezo. Gishobora kandi kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe”. [50] Hashingiwe ku biteganywa n’ingingo y’Itegeko imaze kuvugwa hejuru, Urukiko rw’Ubujurire rurasanga amafaranga y’ibyagenze ku rubanza kuri uru rwego asabwa n’abaregwa afite ishingiro, kuko byumvikana ko buri wese yashatse Avoka wo kumuburanira mu Rukiko no gukurikirana urubanza ; bityo mu bushishozi bwarwo rukaba rugeneye buri wese amafaranga ibihumbi magana atanu (500.000 Frw) y’igihembo cya Avoka n’ibihumbi magana abiri (200.000 Frw) y’ikurikiranarubanza, kuri uru rwego. ICYEMEZO CY’URUKIKO [51] Rwemeje ko ubujurire bwatanzwe na APEX BIOTECH Ltd nta shingiro bufite ;

## Page 13

[52] Rwemeje ko nta gihindutse ku mikirize y’urubanza RCOMA 00696/2024/HCC & CMB RCOMA 00698/2024/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi ku wa 02/12/2024 ; [53] Rutegetse APEX BIOTECH Ltd kwishyura EQUITY BANK RWANDA Plc na NDAYOBOTSE Silas buri wese amafaranga ibihumbi magana atanu (500.000 Frw) y’igihembo cya Avoka n’ibihumbi magana abiri (200.000 Frw) y’ikurikiranarubanza kuri uru rwego ; [54] Ruvuze ko amafaranga APEX BIOTECH Ltd yatanzeho ingwate y’amagarama y’uru rubanza ahwanye n’ibyarukozwemo.