The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK)

ADX:RAKBANK Balance Sheet

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	993.44	2,141	2,990	2,463	3,325	3,636
Investment Securities	22,111	13,064	10,365	8,311	7,893	7,570
Trading Asset Securities	1,269	956.39	762.12	670.99	443.68	735.54
Total Investments	23,380	14,020	11,127	8,982	8,337	8,306
Gross Loans	58,768	50,074	41,982	38,144	35,456	32,201
Allowance for Loan Losses	-2,721	-2,850	-2,515	-2,073	-1,893	-2,159
Net Loans	56,047	47,224	39,468	36,071	33,563	30,041
Property, Plant & Equipment	740.68	639.94	567.54	550.67	579.41	613.25
Goodwill	-	100.78	100.78	166.39	166.39	166.39
Other Intangible Assets	418.88	305.79	278.62	220.23	249.28	300.56
Accrued Interest Receivable	600.13	594.66	519.59	446.93	303.85	275.93
Other Receivables	138.67	11,210	10,311	9,769	7,028	5,671
Restricted Cash	8,809	7,875	4,906	4,003	2,042	2,019
Other Current Assets	7,703	475.15	340.96	182.09	120.03	214.57
Other Real Estate Owned & Foreclosed	-	-	73.5	11.4	-	-
Other Long-Term Assets	627.21	3,739	3,273	3,481	1,869	1,528
Total Assets	99,459	88,325	73,955	66,346	57,583	52,773
Accrued Expenses	688.87	623.83	421.36	348.88	271.61	238.58
Interest Bearing Deposits	28,439	27,112	21,428	18,091	15,064	14,104
Non-Interest Bearing Deposits	37,373	32,796	29,254	27,044	23,892	22,856
Total Deposits	65,812	59,908	50,681	45,135	38,956	36,959
Short-Term Borrowings	4,893	3,091	2,701	3,163	1,562	636.96
Current Portion of Long-Term Debt	-	2,386	1,284	-	-	-
Current Income Taxes Payable	214.98	206.27	-	-	-	-
Accrued Interest Payable	421.31	569.74	368.84	202.16	74.22	112.56
Other Current Liabilities	933.51	1,142	743.54	372.47	609.47	690.56
Long-Term Debt	10,886	7,662	6,383	7,289	7,106	5,665
Long-Term Leases	114.49	106.81	103.3	102.91	130.6	102.35
Pension & Post-Retirement Benefits	123.01	133.03	126.79	125.5	128.27	124.31
Long-Term Deferred Tax Liabilities	25.4	8.92	13.73	-	-	-
Other Long-Term Liabilities	1,144	692.27	772.78	586.88	197.22	204.29
Total Liabilities	85,257	76,529	63,600	57,326	49,202	44,928
Common Stock	2,011	2,011	2,011	1,676	1,676	1,676
Retained Earnings	7,646	9,732	8,292	7,422	6,615	6,109
Comprehensive Income & Other	4,505	22.07	23.08	-103.88	51.87	20.49
Total Common Equity	14,163	11,766	10,327	8,994	8,343	7,806
Minority Interest	39.23	31.08	27.46	26.34	39.23	39.31
Shareholders' Equity	14,202	11,797	10,355	9,021	8,382	7,845
Total Liabilities & Equity	99,459	88,325	73,955	66,346	57,583	52,773
Total Debt	15,894	13,245	10,472	10,555	8,798	6,405
Net Cash (Debt)	-9,083	-10,147	-6,720	-7,421	-5,030	-1,258
Net Cash Per Share	-4.52	-5.04	-3.34	-3.69	-2.50	-0.63
Filing Date Shares Outstanding	2,011	2,011	2,011	2,011	2,011	2,011
Total Common Shares Outstanding	2,011	2,011	2,011	2,011	2,011	2,011
Book Value Per Share	6.51	5.85	5.13	4.47	4.15	3.88
Tangible Book Value	13,744	11,359	9,948	8,608	7,927	7,339
Tangible Book Value Per Share	6.30	5.65	4.95	4.28	3.94	3.65

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.