National Bank of Ras Al Khaimah

The National Bank of Ras Al Khaimah

RAKBANKStocksAbu Dhabi Securities ExchangeBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Interest Income	1.43B	1.43B	1.43B	1.37B	1.30B
Interest Expense	482.11M	468.38M	476.27M	462.83M	434.45M
Pretax Income	1.11B	0.58B	0.78B	0.73B	0.77B
Income Tax	98.11M	52.31M	70.14M	65.68M	67.68M
Net Income	1.00B	0.53B	0.71B	0.67B	0.70B
Net Interest Income	946.52M	960.81M	948.86M	908.98M	866.89M
Non-Interest Income	873.39M	312.65M	374.63M	361.80M	433.37M
Non-Interest Expense	476.06M	512.62M	448.98M	456.37M	434.38M
Loan Loss Provisions	237.99M	179.73M	97.69M	79.42M	93.71M
EPS (Basic)	0.50	0.26	0.35	0.33	0.35
EPS (Diluted)	0.50	0.26	0.35	0.33	0.35
Margins & Efficiency
Net Margin %	+63.5%	+48.1%	+57.5%	+56.0%	+58.2%
Revenue & Income
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Revenue Growth (YoY)	+31.1%	+22.9%	+15.3%	+23.3%	+18.6%
Revenues Before Loan Losses	1.82B	1.27B	1.32B	1.27B	1.30B
Interest Income on Loans	1.43B	1.43B	1.43B	1.37B	1.30B
Net Interest Income	946.52M	960.81M	948.86M	908.98M	866.89M
Net Interest Income Growth (YoY)	+9.2%	+6.9%	+5.2%	+3.0%	-1.4%
Non-Interest Income Growth (YoY)	+101.5%	+19.5%	+23.9%	+24.1%	+47.0%
Total Non-Interest Income	873.39M	312.65M	374.63M	361.80M	433.37M
Other Non-Interest Income	835.21M	319.79M	323.25M	332.12M	326.54M
Gain (Loss) on Sale of Investments	38.18M	-7.14M	51.39M	29.69M	106.84M
Expenses & Provisions
Selling, General & Administrative	142.24M	159.33M	149.07M	139.81M	139.71M
Interest Paid on Deposits	482.11M	468.38M	476.27M	462.83M	434.45M
Total Non-Interest Expense	476.06M	512.62M	448.98M	456.37M	434.38M
Other Non-Interest Expense	22.53M	21.95M	2.46M	12.97M	16.23M
Provision for Loan Losses	237.99M	179.73M	97.69M	79.42M	93.71M
Salaries and Employee Benefits	264.74M	257.80M	249.80M	257.65M	236.41M
Occupancy Expenses	46.56M	73.55M	47.65M	45.94M	42.03M
Profitability & Returns
EBT Excluding Unusual Items	1.11B	0.58B	0.78B	0.73B	0.77B
Pretax Income	1.11B	0.58B	0.78B	0.73B	0.77B
Profit Margin	+63.5%	+48.1%	+57.5%	+56.0%	+58.2%
Net Income	1.00B	0.53B	0.71B	0.67B	0.70B
Net Income to Common	1.00B	0.53B	0.71B	0.67B	0.70B
Net Income Growth	+43.0%	+36.6%	+18.0%	+29.2%	+22.4%
Earnings From Continuing Ops.	1.01B	0.53B	0.71B	0.67B	0.70B
Minority Interest in Earnings	-3.47M	-2.59M	-1.38M	-2.72M	-2.28M
Income Tax Expense	98.11M	52.31M	70.14M	65.68M	67.68M
Effective Tax Rate	+8.9%	+9.0%	+9.0%	+8.9%	+8.8%
Per Share & Capital
EPS (Basic)	0.50	0.26	0.35	0.33	0.35
EPS (Diluted)	0.50	0.26	0.35	0.33	0.35
EPS Growth	+43.0%	+36.6%	+18.0%	+29.2%	+22.4%
Dividend Per Share	—	0.63	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	2.01B	2.01B	2.01B	2.01B	2.01B
Shares Outstanding (Diluted)	2.01B	2.01B	2.01B	2.01B	2.01B
Dividend Growth	—	+26.0%	—	—	—
Free Cash Flow	-3.80B	-0.57B	-4.64B	0.70B	-0.69B
Free Cash Flow Margin	-240.3%	-52.1%	-378.2%	+58.7%	-57.0%
Free Cash Flow Per Share	-1.89	-0.28	-2.31	0.35	-0.34
Payout Ratio	+129.8%	—	—	+150.9%	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Interest Income	1.43B	1.43B	1.43B	1.37B	1.30B
Interest Expense	482.11M	468.38M	476.27M	462.83M	434.45M
Pretax Income	1.11B	0.58B	0.78B	0.73B	0.77B
Income Tax	98.11M	52.31M	70.14M	65.68M	67.68M
Net Income	1.00B	0.53B	0.71B	0.67B	0.70B
Net Interest Income	946.52M	960.81M	948.86M	908.98M	866.89M
Non-Interest Income	873.39M	312.65M	374.63M	361.80M	433.37M
Non-Interest Expense	476.06M	512.62M	448.98M	456.37M	434.38M
Loan Loss Provisions	237.99M	179.73M	97.69M	79.42M	93.71M
EPS (Basic)	0.50	0.26	0.35	0.33	0.35
EPS (Diluted)	0.50	0.26	0.35	0.33	0.35
Margins & Efficiency
Net Margin %	+63.5%	+48.1%	+57.5%	+56.0%	+58.2%
Revenue & Income
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Revenue	1.58B	1.09B	1.23B	1.19B	1.21B
Revenue Growth (YoY)	+31.1%	+22.9%	+15.3%	+23.3%	+18.6%
Revenues Before Loan Losses	1.82B	1.27B	1.32B	1.27B	1.30B
Interest Income on Loans	1.43B	1.43B	1.43B	1.37B	1.30B
Net Interest Income	946.52M	960.81M	948.86M	908.98M	866.89M
Net Interest Income Growth (YoY)	+9.2%	+6.9%	+5.2%	+3.0%	-1.4%
Non-Interest Income Growth (YoY)	+101.5%	+19.5%	+23.9%	+24.1%	+47.0%
Total Non-Interest Income	873.39M	312.65M	374.63M	361.80M	433.37M
Other Non-Interest Income	835.21M	319.79M	323.25M	332.12M	326.54M
Gain (Loss) on Sale of Investments	38.18M	-7.14M	51.39M	29.69M	106.84M
Expenses & Provisions
Selling, General & Administrative	142.24M	159.33M	149.07M	139.81M	139.71M
Interest Paid on Deposits	482.11M	468.38M	476.27M	462.83M	434.45M
Total Non-Interest Expense	476.06M	512.62M	448.98M	456.37M	434.38M
Other Non-Interest Expense	22.53M	21.95M	2.46M	12.97M	16.23M
Provision for Loan Losses	237.99M	179.73M	97.69M	79.42M	93.71M
Salaries and Employee Benefits	264.74M	257.80M	249.80M	257.65M	236.41M
Occupancy Expenses	46.56M	73.55M	47.65M	45.94M	42.03M
Profitability & Returns
EBT Excluding Unusual Items	1.11B	0.58B	0.78B	0.73B	0.77B
Pretax Income	1.11B	0.58B	0.78B	0.73B	0.77B
Profit Margin	+63.5%	+48.1%	+57.5%	+56.0%	+58.2%
Net Income	1.00B	0.53B	0.71B	0.67B	0.70B
Net Income to Common	1.00B	0.53B	0.71B	0.67B	0.70B
Net Income Growth	+43.0%	+36.6%	+18.0%	+29.2%	+22.4%
Earnings From Continuing Ops.	1.01B	0.53B	0.71B	0.67B	0.70B
Minority Interest in Earnings	-3.47M	-2.59M	-1.38M	-2.72M	-2.28M
Income Tax Expense	98.11M	52.31M	70.14M	65.68M	67.68M
Effective Tax Rate	+8.9%	+9.0%	+9.0%	+8.9%	+8.8%
Per Share & Capital
EPS (Basic)	0.50	0.26	0.35	0.33	0.35
EPS (Diluted)	0.50	0.26	0.35	0.33	0.35
EPS Growth	+43.0%	+36.6%	+18.0%	+29.2%	+22.4%
Dividend Per Share	—	0.63	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	2.01B	2.01B	2.01B	2.01B	2.01B
Shares Outstanding (Diluted)	2.01B	2.01B	2.01B	2.01B	2.01B
Dividend Growth	—	+26.0%	—	—	—
Free Cash Flow	-3.80B	-0.57B	-4.64B	0.70B	-0.69B
Free Cash Flow Margin	-240.3%	-52.1%	-378.2%	+58.7%	-57.0%
Free Cash Flow Per Share	-1.89	-0.28	-2.31	0.35	-0.34
Payout Ratio	+129.8%	—	—	+150.9%	—