Rayan

AlRayan Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	4.19B	4.96B	6.03B	6.23B	9.14B
Total Assets	181.26B	171.09B	164.20B	167.53B	174.15B
Investment Securities	46.26B	44.10B	38.94B	31.82B	33.09B
Trading Assets	298.46M	371.10M	442.91M	611.88M	177.08M
Gross Loans	134.06B	121.77B	120.84B	130.60B	128.57B
Net Loans	116.35B	108.33B	106.83B	116.74B	120.31B
Allowance for Loan Losses	-5.01B	-4.36B	-3.85B	-3.38B	-1.83B
Liabilities
Total Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Non-Interest-Bearing Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Total Debt	39.15B	33.28B	41.52B	40.40B	36.83B
Total Liabilities	155.26B	145.76B	139.39B	143.25B	149.49B
Equity & Ownership
Total Equity	26.00B	25.33B	24.81B	24.28B	24.67B
Shares Outstanding	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000
Cash & Assets
Total Assets	181.26B	171.09B	164.20B	167.53B	174.15B
Cash & Equivalents	4.19B	4.96B	6.03B	6.23B	9.14B
Net Cash (Debt)	-34.66B	-27.95B	-35.05B	-33.56B	-27.51B
Net Cash Per Share	-3.73	-3.01	-3.77	-3.61	-3.59
Other Receivables	1.16B	0.65B	0.37B	0.88B	0.94B
Restricted Cash	5.35B	5.23B	4.25B	4.28B	4.29B
Property, Plant & Equipment	1.06B	1.01B	0.97B	0.92B	0.71B
Goodwill	877.49M	877.49M	877.49M	877.49M	877.49M
Other Intangible Assets	459.66M	573.47M	687.29M	801.11M	924.41M
Other Current Assets	41.74M	29.95M	26.58M	24.09M	26.94M
Other Long-Term Assets	3.35B	3.22B	3.34B	3.20B	3.04B
Long-Term Deferred Tax Assets	8.37M	11.54M	20.15M	26.57M	35.65M
Long-Term Leases	4.71M	4.56M	8.38M	13.33M	33.59M
Current Portion of Leases	5.95M	5.48M	9.78M	11.02M	20.00M
Loans & Investments
Gross Loans	134.06B	121.77B	120.84B	130.60B	128.57B
Net Loans	116.35B	108.33B	106.83B	116.74B	120.31B
Allowance for Loan Losses	-5.01B	-4.36B	-3.85B	-3.38B	-1.83B
Investment Securities	46.26B	44.10B	38.94B	31.82B	33.09B
Trading Asset Securities	298.46M	371.10M	442.91M	611.88M	177.08M
Total Investments	46.56B	44.48B	39.39B	32.43B	33.27B
Other Adjustments to Gross Loans	-12.70B	-9.08B	-10.16B	-10.49B	-6.43B
Liabilities & Obligations
Total Liabilities	155.26B	145.76B	139.39B	143.25B	149.49B
Total Liabilities & Equity	181.26B	171.09B	164.20B	167.53B	174.15B
Accrued Expenses	242.23M	322.90M	362.05M	367.48M	314.46M
Accrued Interest Payable	48.75M	110.19M	150.40M	86.94M	29.61M
Accrued Interest Receivable	1.85B	1.72B	1.41B	1.13B	0.58B
Long-Term Unearned Revenue	110.73M	191.54M	216.35M	209.82M	150.87M
Other Current Liabilities	1.65B	1.12B	1.22B	1.54B	2.20B
Other Long-Term Liabilities	105.67B	103.21B	87.44B	91.25B	100.53B
Pension & Post-Retirement Benefits	77.55M	100.52M	54.71M	49.79M	93.60M
Debt & Funding
Total Debt	39.15B	33.28B	41.52B	40.40B	36.83B
Current Portion of Long-Term Debt	12.09B	21.30B	32.35B	28.42B	15.16B
Long-Term Debt	9.13B	5.63B	5.44B	7.74B	10.91B
Short-Term Borrowings	17.92B	6.34B	3.72B	4.22B	10.70B
Total Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Non-Interest Bearing Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Equity & Book Value
Shareholders' Equity	26.00B	25.33B	24.81B	24.28B	24.67B
Total Common Equity	25.71B	25.08B	24.57B	24.08B	24.47B
Common Stock	9.30B	9.30B	9.30B	9.30B	9.30B
Retained Earnings	15.28B	14.73B	14.34B	13.90B	14.22B
Comprehensive Income & Other	1.13B	1.05B	0.93B	0.88B	0.95B
Minority Interest	292.78M	252.36M	237.28M	198.15M	199.65M
Book Value Per Share	2.76	2.70	2.64	2.59	2.63
Tangible Book Value	24.37B	23.63B	23.00B	22.41B	22.66B
Tangible Book Value Per Share	2.62	2.54	2.47	2.41	2.44
Filing Date Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B
Total Common Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	4.19B	4.96B	6.03B	6.23B	9.14B
Total Assets	181.26B	171.09B	164.20B	167.53B	174.15B
Investment Securities	46.26B	44.10B	38.94B	31.82B	33.09B
Trading Assets	298.46M	371.10M	442.91M	611.88M	177.08M
Gross Loans	134.06B	121.77B	120.84B	130.60B	128.57B
Net Loans	116.35B	108.33B	106.83B	116.74B	120.31B
Allowance for Loan Losses	-5.01B	-4.36B	-3.85B	-3.38B	-1.83B
Liabilities
Total Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Non-Interest-Bearing Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Total Debt	39.15B	33.28B	41.52B	40.40B	36.83B
Total Liabilities	155.26B	145.76B	139.39B	143.25B	149.49B
Equity & Ownership
Total Equity	26.00B	25.33B	24.81B	24.28B	24.67B
Shares Outstanding	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000
Cash & Assets
Total Assets	181.26B	171.09B	164.20B	167.53B	174.15B
Cash & Equivalents	4.19B	4.96B	6.03B	6.23B	9.14B
Net Cash (Debt)	-34.66B	-27.95B	-35.05B	-33.56B	-27.51B
Net Cash Per Share	-3.73	-3.01	-3.77	-3.61	-3.59
Other Receivables	1.16B	0.65B	0.37B	0.88B	0.94B
Restricted Cash	5.35B	5.23B	4.25B	4.28B	4.29B
Property, Plant & Equipment	1.06B	1.01B	0.97B	0.92B	0.71B
Goodwill	877.49M	877.49M	877.49M	877.49M	877.49M
Other Intangible Assets	459.66M	573.47M	687.29M	801.11M	924.41M
Other Current Assets	41.74M	29.95M	26.58M	24.09M	26.94M
Other Long-Term Assets	3.35B	3.22B	3.34B	3.20B	3.04B
Long-Term Deferred Tax Assets	8.37M	11.54M	20.15M	26.57M	35.65M
Long-Term Leases	4.71M	4.56M	8.38M	13.33M	33.59M
Current Portion of Leases	5.95M	5.48M	9.78M	11.02M	20.00M
Loans & Investments
Gross Loans	134.06B	121.77B	120.84B	130.60B	128.57B
Net Loans	116.35B	108.33B	106.83B	116.74B	120.31B
Allowance for Loan Losses	-5.01B	-4.36B	-3.85B	-3.38B	-1.83B
Investment Securities	46.26B	44.10B	38.94B	31.82B	33.09B
Trading Asset Securities	298.46M	371.10M	442.91M	611.88M	177.08M
Total Investments	46.56B	44.48B	39.39B	32.43B	33.27B
Other Adjustments to Gross Loans	-12.70B	-9.08B	-10.16B	-10.49B	-6.43B
Liabilities & Obligations
Total Liabilities	155.26B	145.76B	139.39B	143.25B	149.49B
Total Liabilities & Equity	181.26B	171.09B	164.20B	167.53B	174.15B
Accrued Expenses	242.23M	322.90M	362.05M	367.48M	314.46M
Accrued Interest Payable	48.75M	110.19M	150.40M	86.94M	29.61M
Accrued Interest Receivable	1.85B	1.72B	1.41B	1.13B	0.58B
Long-Term Unearned Revenue	110.73M	191.54M	216.35M	209.82M	150.87M
Other Current Liabilities	1.65B	1.12B	1.22B	1.54B	2.20B
Other Long-Term Liabilities	105.67B	103.21B	87.44B	91.25B	100.53B
Pension & Post-Retirement Benefits	77.55M	100.52M	54.71M	49.79M	93.60M
Debt & Funding
Total Debt	39.15B	33.28B	41.52B	40.40B	36.83B
Current Portion of Long-Term Debt	12.09B	21.30B	32.35B	28.42B	15.16B
Long-Term Debt	9.13B	5.63B	5.44B	7.74B	10.91B
Short-Term Borrowings	17.92B	6.34B	3.72B	4.22B	10.70B
Total Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Non-Interest Bearing Deposits	8.30B	7.43B	8.43B	9.35B	9.34B
Equity & Book Value
Shareholders' Equity	26.00B	25.33B	24.81B	24.28B	24.67B
Total Common Equity	25.71B	25.08B	24.57B	24.08B	24.47B
Common Stock	9.30B	9.30B	9.30B	9.30B	9.30B
Retained Earnings	15.28B	14.73B	14.34B	13.90B	14.22B
Comprehensive Income & Other	1.13B	1.05B	0.93B	0.88B	0.95B
Minority Interest	292.78M	252.36M	237.28M	198.15M	199.65M
Book Value Per Share	2.76	2.70	2.64	2.59	2.63
Tangible Book Value	24.37B	23.63B	23.00B	22.41B	22.66B
Tangible Book Value Per Share	2.62	2.54	2.47	2.41	2.44
Filing Date Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B
Total Common Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B