According to Chief Executive Officer Regis Rugemanshuro, this performance reflects an average annual increase of 16.7 percent over the past five years.
Speaking during a press briefing on Wednesday, RSSB officials presented the institution's overall performance from 2021 to 2025.
Rugemanshuro highlighted that RSSB's total assets have doubled in five years, climbing to Frw 3 trillion as of June 2025.
The return on investment also rose sharply, moving from 1.4 percent in 2021 to 14.2 percent in June 2025. Based on the Frw 2.846 trillion investment portfolio, this translated into profits of Frw 361.7 billion.
'Over the last five years, RSSB has reshaped its investment approach by focusing on sustainable real estate projects and subjecting all new investments to thorough due diligence,' Rugemanshuro said. 'The results are clear, and this is the strategy we intend to maintain.'
He added that in addition to reviving underperforming assets, the institution successfully exited certain investments at a profit. 'Some investments reach maturity, and when that happens, divesting at the right moment allows us to strengthen our portfolio,' he noted.
Rugemanshuro also dismissed past criticism that RSSB was operating at a loss, saying current results demonstrate sound financial management.
'This confirms that members' contributions are being well protected, invested for their benefit, and used to support national development and job creation,' he emphasized.
The report further showed an expansion in healthcare partnerships. The number of health facilities working with RSSB under the Community-Based Health Insurance scheme (Mutuelle de Santé) increased from 953 in 2021 to 1,182 in 2025, while those under the Rwandaise d'Assurance Maladie (RAMA) scheme rose from 810 to 1,152.
Despite this progress, Rugemanshuro acknowledged that real estate investments, currently accounting for 10 percent of RSSB's portfolio, face challenges.
'Delays in project implementation remain an issue, from project initiation to completion, due both to follow-up capacity and inefficiencies in the construction sector,' he said. 'This is an area where we must intensify efforts.'
Among the ongoing projects is Heza Estate, where 70 percent of the houses under construction have already been reserved by buyers even as works near completion.
RSSB is also planning to expand developments on land near the Kigali Golf Course, with plans including a five-star hotel and other projects in collaboration with private investors.
Rugemanshuro concluded that, while there is room for improvement, the last five years have shown remarkable progress. He stressed that RSSB continues to play a vital role in safeguarding members' assets while contributing to Rwanda's broader development goals.
IGIHE
Source : https://en.igihe.com/business-62/article/rssb-posts-frw-361-7-billion-profit-over-five-years
