ADX:RAKBANK Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	-	2,141	2,990	2,463	3,325
Investment Securities	-	13,064	10,365	8,311	7,893
Trading Asset Securities	-	956.39	762.12	670.99	443.68
Total Investments	-	14,020	11,127	8,982	8,337
Gross Loans	-	50,074	41,982	38,144	35,456
Allowance for Loan Losses	-	-2,850	-2,515	-2,073	-1,893
Net Loans	-	47,224	39,468	36,071	33,563
Property, Plant & Equipment	-	639.94	567.54	550.67	579.41
Goodwill	-	100.78	100.78	166.39	166.39
Other Intangible Assets	-	305.79	278.62	220.23	249.28
Accrued Interest Receivable	-	594.66	519.59	446.93	303.85
Other Receivables	-	11,210	10,311	9,769	7,028
Restricted Cash	-	7,875	4,906	4,003	2,042
Other Current Assets	-	475.15	340.96	182.09	120.03
Other Real Estate Owned & Foreclosed	-	-	73.5	11.4	-
Other Long-Term Assets	-	3,739	3,273	3,481	1,869
Total Assets	-	88,325	73,955	66,346	57,583
Accrued Expenses	-	623.83	421.36	348.88	271.61
Interest Bearing Deposits	-	27,112	21,428	18,091	15,064
Non-Interest Bearing Deposits	-	32,796	29,254	27,044	23,892
Total Deposits	-	59,908	50,681	45,135	38,956
Short-Term Borrowings	-	3,091	2,701	3,163	1,562
Current Portion of Long-Term Debt	-	2,386	1,284	-	-
Current Income Taxes Payable	-	206.27	-	-	-
Accrued Interest Payable	-	569.74	368.84	202.16	74.22
Other Current Liabilities	-	1,142	743.54	372.47	609.47
Long-Term Debt	-	7,662	6,383	7,289	7,106
Long-Term Leases	-	106.81	103.3	102.91	130.6
Pension & Post-Retirement Benefits	-	133.03	126.79	125.5	128.27
Long-Term Deferred Tax Liabilities	-	8.92	13.73	-	-
Other Long-Term Liabilities	-	692.27	772.78	586.88	197.22
Total Liabilities	-	76,529	63,600	57,326	49,202
Common Stock	-	2,011	2,011	1,676	1,676
Retained Earnings	-	9,732	8,292	7,422	6,615
Comprehensive Income & Other	-	22.07	23.08	-103.88	51.87
Total Common Equity	14,163	11,766	10,327	8,994	8,343
Minority Interest	-	31.08	27.46	26.34	39.23
Shareholders' Equity	14,202	11,797	10,355	9,021	8,382
Total Liabilities & Equity	-	88,325	73,955	66,346	57,583
Total Debt	15,894	13,245	10,472	10,555	8,798
Net Cash (Debt)	-9,083	-10,147	-6,720	-7,421	-5,030
Net Cash Per Share	-4.52	-5.04	-3.34	-3.69	-2.50
Filing Date Shares Outstanding	2,011	2,011	2,011	2,011	2,011
Total Common Shares Outstanding	2,011	2,011	2,011	2,011	2,011
Book Value Per Share	6.51	5.85	5.13	4.47	4.15
Tangible Book Value	13,744	11,359	9,948	8,608	7,927
Tangible Book Value Per Share	6.30	5.65	4.95	4.28	3.94

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.