Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	0.98B	0.90B	2.99B	2.46B	3.32B
Total Assets	105.02B	88.33B	73.95B	66.35B	57.58B
Investment Securities	20.37B	15.14B	10.37B	8.31B	7.89B
Trading Assets	897.92M	956.39M	762.12M	670.99M	443.68M
Gross Loans	60.86B	54.28B	41.98B	38.14B	35.46B
Net Loans	58.07B	51.38B	39.47B	36.07B	33.56B
Allowance for Loan Losses	-2.79B	-2.90B	-2.51B	-2.07B	-1.89B
Liabilities
Total Deposits	70.70B	59.91B	50.68B	45.13B	38.96B
Interest-Bearing Deposits	30.54B	27.11B	21.43B	18.09B	15.06B
Non-Interest-Bearing Deposits	40.15B	32.80B	29.25B	27.04B	23.89B
Total Debt	15.95B	13.24B	10.47B	10.55B	8.80B
Total Liabilities	90.26B	76.53B	63.60B	57.33B	49.20B
Equity & Ownership
Total Equity	14.76B	11.80B	10.35B	9.02B	8.38B
Shares Outstanding	2,011,495,000	2,011,495,000	2,011,495,000	2,011,200,000	2,011,200,000
Cash & Assets
Total Assets	105.02B	88.33B	73.95B	66.35B	57.58B
Cash & Equivalents	0.98B	0.90B	2.99B	2.46B	3.32B
Net Cash (Debt)	-10.15B	-9.31B	-6.72B	-7.42B	-5.03B
Net Cash Per Share	-5.05	-4.63	-3.34	-3.69	-2.50
Other Receivables	0.14B	0.14B	10.31B	9.77B	7.03B
Restricted Cash	10.65B	7.88B	4.91B	4.00B	2.04B
Property, Plant & Equipment	506.97M	434.76M	567.54M	550.67M	579.41M
Goodwill	100.78M	100.78M	100.78M	166.39M	166.39M
Other Intangible Assets	577.27M	510.97M	278.62M	220.23M	249.28M
Other Current Assets	8.03B	6.55B	0.34B	0.18B	0.12B
Other Long-Term Assets	4.01B	3.74B	3.27B	3.48B	1.87B
Long-Term Leases	115.59M	106.81M	103.30M	102.91M	130.60M
Loans & Investments
Gross Loans	60.86B	54.28B	41.98B	38.14B	35.46B
Net Loans	58.07B	51.38B	39.47B	36.07B	33.56B
Allowance for Loan Losses	-2.79B	-2.90B	-2.51B	-2.07B	-1.89B
Investment Securities	20.37B	15.14B	10.37B	8.31B	7.89B
Trading Asset Securities	897.92M	956.39M	762.12M	670.99M	443.68M
Total Investments	21.27B	16.10B	11.13B	8.98B	8.34B
Liabilities & Obligations
Total Liabilities	90.26B	76.53B	63.60B	57.33B	49.20B
Total Liabilities & Equity	105.02B	88.33B	73.95B	66.35B	57.58B
Accrued Expenses	751.04M	623.83M	421.36M	348.88M	271.61M
Accrued Interest Payable	447.14M	569.74M	368.84M	202.16M	74.22M
Accrued Interest Receivable	685.31M	594.66M	519.59M	446.93M	303.85M
Current Income Taxes Payable	265.94M	206.27M	—	—	—
Other Current Liabilities	778.85M	810.56M	743.54M	372.47M	609.47M
Other Long-Term Liabilities	1.19B	1.02B	0.77B	0.59B	0.20B
Pension & Post-Retirement Benefits	154.05M	133.03M	126.79M	125.50M	128.27M
Long-Term Deferred Tax Liabilities	24.12M	8.92M	13.73M	—	—
Debt & Funding
Total Debt	15.95B	13.24B	10.47B	10.55B	8.80B
Current Portion of Long-Term Debt	4.35B	2.75B	1.28B	—	—
Long-Term Debt	8.38B	7.29B	6.38B	7.29B	7.11B
Short-Term Borrowings	3.10B	3.09B	2.70B	3.16B	1.56B
Total Deposits	70.70B	59.91B	50.68B	45.13B	38.96B
Interest Bearing Deposits	30.54B	27.11B	21.43B	18.09B	15.06B
Non-Interest Bearing Deposits	40.15B	32.80B	29.25B	27.04B	23.89B
Equity & Book Value
Shareholders' Equity	14.76B	11.80B	10.35B	9.02B	8.38B
Total Common Equity	14.71B	11.77B	10.33B	8.99B	8.34B
Common Stock	2.01B	2.01B	2.01B	1.68B	1.68B
Retained Earnings	11.30B	9.73B	8.29B	7.42B	6.61B
Comprehensive Income & Other	1.40B	0.02B	0.02B	-0.10B	0.05B
Minority Interest	41.45M	31.08M	27.46M	26.34M	39.23M
Book Value Per Share	6.77	5.85	5.13	4.47	4.15
Tangible Book Value	14.04B	11.15B	9.95B	8.61B	7.93B
Tangible Book Value Per Share	6.43	5.55	4.95	4.28	3.94
Filing Date Shares Outstanding	2.01B	2.01B	2.01B	2.01B	2.01B
Total Common Shares Outstanding	2.01B	2.01B	2.01B	2.01B	2.01B
Supplemental
Other Real Estate Owned & Foreclosed	—	—	73.50M	11.40M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	0.98B	0.90B	2.99B	2.46B	3.32B
Total Assets	105.02B	88.33B	73.95B	66.35B	57.58B
Investment Securities	20.37B	15.14B	10.37B	8.31B	7.89B
Trading Assets	897.92M	956.39M	762.12M	670.99M	443.68M
Gross Loans	60.86B	54.28B	41.98B	38.14B	35.46B
Net Loans	58.07B	51.38B	39.47B	36.07B	33.56B
Allowance for Loan Losses	-2.79B	-2.90B	-2.51B	-2.07B	-1.89B
Liabilities
Total Deposits	70.70B	59.91B	50.68B	45.13B	38.96B
Interest-Bearing Deposits	30.54B	27.11B	21.43B	18.09B	15.06B
Non-Interest-Bearing Deposits	40.15B	32.80B	29.25B	27.04B	23.89B
Total Debt	15.95B	13.24B	10.47B	10.55B	8.80B
Total Liabilities	90.26B	76.53B	63.60B	57.33B	49.20B
Equity & Ownership
Total Equity	14.76B	11.80B	10.35B	9.02B	8.38B
Shares Outstanding	2,011,495,000	2,011,495,000	2,011,495,000	2,011,200,000	2,011,200,000
Cash & Assets
Total Assets	105.02B	88.33B	73.95B	66.35B	57.58B
Cash & Equivalents	0.98B	0.90B	2.99B	2.46B	3.32B
Net Cash (Debt)	-10.15B	-9.31B	-6.72B	-7.42B	-5.03B
Net Cash Per Share	-5.05	-4.63	-3.34	-3.69	-2.50
Other Receivables	0.14B	0.14B	10.31B	9.77B	7.03B
Restricted Cash	10.65B	7.88B	4.91B	4.00B	2.04B
Property, Plant & Equipment	506.97M	434.76M	567.54M	550.67M	579.41M
Goodwill	100.78M	100.78M	100.78M	166.39M	166.39M
Other Intangible Assets	577.27M	510.97M	278.62M	220.23M	249.28M
Other Current Assets	8.03B	6.55B	0.34B	0.18B	0.12B
Other Long-Term Assets	4.01B	3.74B	3.27B	3.48B	1.87B
Long-Term Leases	115.59M	106.81M	103.30M	102.91M	130.60M
Loans & Investments
Gross Loans	60.86B	54.28B	41.98B	38.14B	35.46B
Net Loans	58.07B	51.38B	39.47B	36.07B	33.56B
Allowance for Loan Losses	-2.79B	-2.90B	-2.51B	-2.07B	-1.89B
Investment Securities	20.37B	15.14B	10.37B	8.31B	7.89B
Trading Asset Securities	897.92M	956.39M	762.12M	670.99M	443.68M
Total Investments	21.27B	16.10B	11.13B	8.98B	8.34B
Liabilities & Obligations
Total Liabilities	90.26B	76.53B	63.60B	57.33B	49.20B
Total Liabilities & Equity	105.02B	88.33B	73.95B	66.35B	57.58B
Accrued Expenses	751.04M	623.83M	421.36M	348.88M	271.61M
Accrued Interest Payable	447.14M	569.74M	368.84M	202.16M	74.22M
Accrued Interest Receivable	685.31M	594.66M	519.59M	446.93M	303.85M
Current Income Taxes Payable	265.94M	206.27M	—	—	—
Other Current Liabilities	778.85M	810.56M	743.54M	372.47M	609.47M
Other Long-Term Liabilities	1.19B	1.02B	0.77B	0.59B	0.20B
Pension & Post-Retirement Benefits	154.05M	133.03M	126.79M	125.50M	128.27M
Long-Term Deferred Tax Liabilities	24.12M	8.92M	13.73M	—	—
Debt & Funding
Total Debt	15.95B	13.24B	10.47B	10.55B	8.80B
Current Portion of Long-Term Debt	4.35B	2.75B	1.28B	—	—
Long-Term Debt	8.38B	7.29B	6.38B	7.29B	7.11B
Short-Term Borrowings	3.10B	3.09B	2.70B	3.16B	1.56B
Total Deposits	70.70B	59.91B	50.68B	45.13B	38.96B
Interest Bearing Deposits	30.54B	27.11B	21.43B	18.09B	15.06B
Non-Interest Bearing Deposits	40.15B	32.80B	29.25B	27.04B	23.89B
Equity & Book Value
Shareholders' Equity	14.76B	11.80B	10.35B	9.02B	8.38B
Total Common Equity	14.71B	11.77B	10.33B	8.99B	8.34B
Common Stock	2.01B	2.01B	2.01B	1.68B	1.68B
Retained Earnings	11.30B	9.73B	8.29B	7.42B	6.61B
Comprehensive Income & Other	1.40B	0.02B	0.02B	-0.10B	0.05B
Minority Interest	41.45M	31.08M	27.46M	26.34M	39.23M
Book Value Per Share	6.77	5.85	5.13	4.47	4.15
Tangible Book Value	14.04B	11.15B	9.95B	8.61B	7.93B
Tangible Book Value Per Share	6.43	5.55	4.95	4.28	3.94
Filing Date Shares Outstanding	2.01B	2.01B	2.01B	2.01B	2.01B
Total Common Shares Outstanding	2.01B	2.01B	2.01B	2.01B	2.01B
Supplemental
Other Real Estate Owned & Foreclosed	—	—	73.50M	11.40M	—

Financials

Annual (AED)

National Bank of Ras Al Khaimah

Annual (AED)