Record YTD profit before tax of AED 2.3B, up 23% YoY

Ras Al Khaimah, United Arab Emirates, October 24, 2025 - The National Bank of Ras Al Khaimah (RAKBANK) today reported its financial results for the nine months of 2025

Record breaking growth in profitability continues...

YTD performance supported by net interest margin of 4.3%, an industry leading CASA ratio of 66%, and a 32% YoY growth in non-interest income driven by wealth management, FX and trading momentum 

...driven by product innovation & balance sheet growth

The Bank's balance sheet grew by D 16B YoY with Loans & Advances growing by 10% YoY to D 54B, deposits growing by 15% and launch of new products like crypto brokerage and escrow services

...with robust credit quality and capital adequacy

Impairment loan ratio has improved further to 1.7% from 2.2% for same period last year and CAR ratio remains at 19.6%, well above regulatory requirements

...and outstanding shareholder returns
Shareholder returns improved further with return on equity at 21.9% (up from 20.5%) and return on assets at 3.0% (up from 2.9%) for 9M' 24