ADX:RAKBANK Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	873.66	980.04	895.23	2,990	2,463	3,325
Investment Securities	19,425	20,371	15,144	10,365	8,311	7,893
Trading Asset Securities	1,513	897.92	956.39	762.12	670.99	443.68
Total Investments	20,938	21,269	16,100	11,127	8,982	8,337
Gross Loans	62,992	60,864	54,276	41,982	38,144	35,456
Allowance for Loan Losses	-2,892	-2,790	-2,898	-2,515	-2,073	-1,893
Net Loans	60,101	58,075	51,378	39,468	36,071	33,563
Property, Plant & Equipment	776.54	506.97	434.76	567.54	550.67	579.41
Goodwill	-	100.78	100.78	100.78	166.39	166.39
Other Intangible Assets	442.83	577.27	510.97	278.62	220.23	249.28
Accrued Interest Receivable	686.46	685.31	594.66	519.59	446.93	303.85
Other Receivables	122.2	142.23	142.02	10,311	9,769	7,028
Restricted Cash	10,765	10,646	7,875	4,906	4,003	2,042
Other Current Assets	8,230	8,031	6,551	340.96	182.09	120.03
Other Real Estate Owned & Foreclosed	-	-	-	73.5	11.4	-
Other Long-Term Assets	4,387	4,006	3,742	3,273	3,481	1,869
Total Assets	107,323	105,018	88,325	73,955	66,346	57,583
Accrued Expenses	707.11	751.04	623.83	421.36	348.88	271.61
Interest Bearing Deposits	31,971	30,545	27,112	21,428	18,091	15,064
Non-Interest Bearing Deposits	42,558	40,154	32,796	29,254	27,044	23,892
Total Deposits	74,530	70,699	59,908	50,681	45,135	38,956
Short-Term Borrowings	3,866	3,099	3,091	2,701	3,163	1,562
Current Portion of Long-Term Debt	-	4,354	2,754	1,284	-	-
Current Income Taxes Payable	359.66	265.94	206.27	-	-	-
Accrued Interest Payable	394.05	447.14	569.74	368.84	202.16	74.22
Other Current Liabilities	632.1	778.85	810.56	743.54	372.47	609.47
Long-Term Debt	11,201	8,382	7,293	6,383	7,289	7,106
Long-Term Leases	117.34	115.59	106.81	103.3	102.91	130.6
Pension & Post-Retirement Benefits	154.09	154.05	133.03	126.79	125.5	128.27
Long-Term Deferred Tax Liabilities	2.03	24.12	8.92	13.73	-	-
Other Long-Term Liabilities	1,160	1,193	1,024	772.78	586.88	197.22
Total Liabilities	93,124	90,263	76,529	63,600	57,326	49,202
Common Stock	2,011	2,011	2,011	2,011	1,676	1,676
Retained Earnings	7,857	11,301	9,732	8,292	7,422	6,615
Comprehensive Income & Other	4,287	1,401	22.07	23.08	-103.88	51.87
Total Common Equity	14,156	14,714	11,766	10,327	8,994	8,343
Minority Interest	43.01	41.45	31.08	27.46	26.34	39.23
Shareholders' Equity	14,199	14,756	11,797	10,355	9,021	8,382
Total Liabilities & Equity	107,323	105,018	88,325	73,955	66,346	57,583
Total Debt	15,184	15,950	13,245	10,472	10,555	8,798
Net Cash (Debt)	-9,695	-10,151	-9,310	-6,720	-7,421	-5,030
Net Cash Per Share	-4.82	-5.05	-4.63	-3.34	-3.69	-2.50
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	6.49	6.77	5.85	5.13	4.47	4.15
Tangible Book Value	13,713	14,036	11,154	9,948	8,608	7,927
Tangible Book Value Per Share	6.27	6.43	5.55	4.95	4.28	3.94

Source: S&P Global Market Intelligence. Banks template. Financial Sources.