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The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
9.91
-0.02 (-0.20%)
At close: Nov 2, 2026

ADX:RAKBANK Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
5,2414,7173,9373,3992,5982,154
Revenue Growth
16.12%19.84%15.82%30.81%20.63%13.32%
Net Income
3,0392,6002,0721,7841,170756.13
Earnings Per Share
1.511.291.030.890.580.38
EPS Growth
23.57%25.47%16.20%52.40%54.78%50.09%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Banking
1,2351,1841,1431,3851,077651.45
Wholesale Banking
1,9121,5971,2021,062279.03221.95
Business Banking
1,9941,7981,7521,5921,087537.51
Head Office & Others
100.43138.76-160.4-640.17--
Total
5,2414,7173,9373,3992,5982,154

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
7,1025,8003,9353,7523,1343,768
Total Debt
20,20115,95013,24510,47210,5558,798
Net Cash (Debt)
-13,099-10,151-9,310-6,720-7,421-5,030
Net Cash Growth
------
Net Cash Per Share
-6.51-5.05-4.63-3.34-3.69-2.50

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-9,825-4,913-5,645-1,390-350.72-2,216
Capital Expenditures
-324.16-281-233.56-165.38-82.59-53.59
Free Cash Flow
-10,150-5,194-5,879-1,556-433.3-2,269
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
57.99%55.12%52.65%52.48%45.04%35.10%
FCF Margin
-193.66%-110.11%-149.34%-45.78%-16.68%-105.36%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.6300.6300.5000.3100.2830.188
Dividend Per Share Growth
26.00%26.00%61.29%9.43%51.09%50.00%
Dividend Yield
6.36%7.50%8.26%5.85%7.23%5.00%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.566.505.875.986.739.98
Forward PE
7.207.455.987.096.639.23
PS Ratio
3.803.583.093.143.033.50