AlRayan Bank Q.P.S.C. Balance Sheet

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

Millions QAR. 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	3,384	4,191	4,959	6,028	6,230	9,141
Investment Securities	47,707	46,263	44,105	38,944	31,820	33,093
Trading Asset Securities	302.61	298.46	371.1	442.91	611.88	177.08
Total Investments	48,009	46,562	44,476	39,387	32,432	33,270
Gross Loans	127,463	134,064	121,773	120,835	130,602	128,572
Allowance for Loan Losses	-5,161	-5,015	-4,363	-3,852	-3,381	-1,827
Other Adjustments to Gross Loans	-11,996	-12,695	-9,076	-10,157	-10,485	-6,434
Net Loans	110,306	116,354	108,334	106,826	116,736	120,310
Property, Plant & Equipment	1,054	1,059	1,011	968.57	915.46	714.68
Goodwill	-	877.49	877.49	877.49	877.49	877.49
Other Intangible Assets	1,309	459.66	573.47	687.29	801.11	924.41
Accrued Interest Receivable	1,696	1,853	1,720	1,409	1,131	579.06
Other Receivables	1,153	1,157	651.75	372.56	875.9	940.76
Restricted Cash	4,294	5,347	5,226	4,255	4,282	4,295
Other Current Assets	-	41.74	29.95	26.58	24.09	26.94
Long-Term Deferred Tax Assets	-	8.37	11.54	20.15	26.57	35.65
Other Long-Term Assets	3,759	3,348	3,224	3,342	3,202	3,040
Total Assets	174,964	181,258	171,094	164,200	167,533	174,155
Accrued Expenses	-	242.23	322.9	362.05	367.48	314.46
Non-Interest Bearing Deposits	8,406	8,301	7,434	8,432	9,348	9,344
Total Deposits	8,406	8,301	7,434	8,432	9,348	9,344
Short-Term Borrowings	11,079	17,921	6,338	3,716	4,216	10,702
Current Portion of Long-Term Debt	8,253	12,086	21,298	32,349	28,419	15,163
Current Portion of Leases	-	5.95	5.48	9.78	11.02	20
Accrued Interest Payable	55.7	48.75	110.19	150.4	86.94	29.61
Other Current Liabilities	-	1,654	1,118	1,217	1,537	2,198
Long-Term Debt	10,006	9,132	5,634	5,441	7,739	10,909
Long-Term Leases	-	4.71	4.56	8.38	13.33	33.59
Long-Term Unearned Revenue	-	110.73	191.54	216.35	209.82	150.87
Pension & Post-Retirement Benefits	-	77.55	100.52	54.71	49.79	93.6
Other Long-Term Liabilities	112,057	105,674	103,207	87,436	91,254	100,531
Total Liabilities	149,857	155,257	145,763	139,393	143,251	149,488
Common Stock	9,300	9,300	9,300	9,300	9,300	9,300
Retained Earnings	14,418	15,282	14,732	14,339	13,900	14,218
Comprehensive Income & Other	1,095	1,127	1,046	930.53	884.24	948.8
Total Common Equity	24,813	25,709	25,078	24,569	24,084	24,467
Minority Interest	294.38	292.78	252.36	237.28	198.15	199.65
Shareholders' Equity	25,107	26,001	25,331	24,806	24,282	24,666
Total Liabilities & Equity	174,964	181,258	171,094	164,200	167,533	174,155
Total Debt	29,338	39,149	33,279	41,524	40,397	36,828
Net Cash (Debt)	-25,651	-34,660	-27,949	-35,053	-33,556	-27,510
Net Cash Per Share	-2.76	-3.73	-3.01	-3.77	-3.61	-3.59
Filing Date Shares Outstanding	9,300	9,300	9,300	9,300	9,300	9,300
Total Common Shares Outstanding	9,300	9,300	9,300	9,300	9,300	9,300
Book Value Per Share	2.67	2.76	2.70	2.64	2.59	2.63
Tangible Book Value	23,504	24,372	23,628	23,004	22,405	22,665
Tangible Book Value Per Share	2.53	2.62	2.54	2.47	2.41	2.44

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