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.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	928.04	980.04	895.23	2,990	2,463	3,325
Investment Securities	20,953	20,371	15,144	10,365	8,311	7,893
Trading Asset Securities	1,634	897.92	956.39	762.12	670.99	443.68
Total Investments	22,587	21,269	16,100	11,127	8,982	8,337
Gross Loans	72,074	60,864	54,276	41,982	38,144	35,456
Allowance for Loan Losses	-2,663	-2,790	-2,898	-2,515	-2,073	-1,893
Net Loans	69,411	58,075	51,378	39,468	36,071	33,563
Property, Plant & Equipment	638.68	729.47	639.94	567.54	550.67	579.41
Goodwill	-	100.78	100.78	100.78	166.39	166.39
Other Intangible Assets	644.85	354.78	305.79	278.62	220.23	249.28
Accrued Interest Receivable	708.4	685.31	594.66	519.59	446.93	303.85
Other Receivables	291.99	142.23	142.02	10,311	9,769	7,028
Restricted Cash	9,213	10,646	7,875	4,906	4,003	2,042
Other Current Assets	8,980	8,031	6,551	340.96	182.09	120.03
Other Real Estate Owned & Foreclosed	0.56	-	-	73.5	11.4	-
Other Long-Term Assets	6,748	4,006	3,742	3,273	3,481	1,869
Total Assets	120,172	105,018	88,325	73,955	66,346	57,583

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	851.59	751.04	623.83	421.36	348.88	271.61
Interest Bearing Deposits	37,800	30,545	27,112	21,428	18,091	15,064
Non-Interest Bearing Deposits	42,312	40,154	32,796	29,254	27,044	23,892
Total Deposits	80,112	70,699	59,908	50,681	45,135	38,956
Short-Term Borrowings	6,541	3,099	3,091	2,701	3,163	1,562
Current Portion of Long-Term Debt	1,100	1,657	-	1,284	-	-
Current Income Taxes Payable	255.56	265.94	206.27	-	-	-
Accrued Interest Payable	511.57	447.14	569.74	368.84	202.16	74.22
Other Current Liabilities	1,490	778.85	810.56	743.54	372.47	609.47
Long-Term Debt	12,459	11,079	10,047	6,383	7,289	7,106
Long-Term Leases	100.43	115.59	106.81	103.3	102.91	130.6
Pension & Post-Retirement Benefits	145.27	154.05	133.03	126.79	125.5	128.27
Long-Term Deferred Tax Liabilities	-	24.12	8.92	13.73	-	-
Other Long-Term Liabilities	1,075	1,193	1,024	772.78	586.88	197.22
Total Liabilities	104,642	90,263	76,529	63,600	57,326	49,202

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	2,011	2,011	2,011	2,011	1,676	1,676
Retained Earnings	9,336	11,301	9,732	8,292	7,422	6,615
Comprehensive Income & Other	4,135	1,401	22.07	23.08	-103.88	51.87
Total Common Equity	15,482	14,714	11,766	10,327	8,994	8,343
Minority Interest	48.19	41.45	31.08	27.46	26.34	39.23
Shareholders' Equity	15,530	14,756	11,797	10,355	9,021	8,382
Total Liabilities & Equity	120,172	105,018	88,325	73,955	66,346	57,583

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	20,201	15,950	13,245	10,472	10,555	8,798
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
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	7.15	6.77	5.85	5.13	4.47	4.15
Tangible Book Value	14,837	14,258	11,359	9,948	8,608	7,927
Tangible Book Value Per Share	6.83	6.54	5.65	4.95	4.28	3.94

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 29, 2026

Data Sources Report a data error