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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
9.20
+0.09 (0.99%)
At close: Aug 13, 2026

ADX:RAKBANK Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
5,1154,7173,9373,3992,5982,154
Revenue Growth
17.58%19.84%15.82%30.81%20.63%13.32%
Net Income
2,9382,6002,0721,7841,170756.13
Earnings Per Share
1.461.291.030.890.580.38
EPS Growth
24.93%25.47%16.20%52.40%54.78%50.09%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Wholesale Banking
1,8351,5971,2021,062279.03221.95
Retail Banking
1,2511,1841,1431,3851,077651.45
Head Office & Others
274.68138.76-160.4-640.17--
Business Banking
1,7541,7981,7521,5921,087537.51
Total
5,1154,7173,9373,3992,5982,154

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
6,8725,8003,9353,7523,1343,768
Total Debt
14,26715,95013,24510,47210,5558,798
Net Cash (Debt)
-7,395-10,151-9,310-6,720-7,421-5,030
Net Cash Growth
------
Net Cash Per Share
-3.68-5.05-4.63-3.34-3.69-2.50

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-10,002-4,913-5,645-1,390-350.72-2,216
Capital Expenditures
-287.76-281-233.56-165.38-82.59-53.59
Free Cash Flow
-10,290-5,194-5,879-1,556-433.3-2,269
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
57.44%55.12%52.65%52.48%45.04%35.10%
FCF Margin
-201.16%-110.11%-149.34%-45.78%-16.68%-105.36%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
6.92%8.01%9.51%7.14%9.44%6.82%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.306.505.875.986.739.98
Forward PE
6.807.455.987.096.639.23
PS Ratio
3.623.583.093.143.033.50