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Ras Al Khaimah, United Arab Emirates, January 27, 2026 – The National Bank of Ras Al Khaimah (RAKBANK) today reported its financial results for the full year and the fourth quarter of 2025.
50 years of sustainable growth – all-time high profitability…
FY’25 performance supported by net interest margin of 4.3%, an industry leading CASA ratio of 65%, and a 29% YoY growth in non-interest income driven by wealth management, FX and investment income
…driven by product innovation & balance sheet growth
The Bank’s balance sheet grew by D 16.7B YoY with Gross Loans & Advances growing by 11.7% YoY to D 56B, deposits growing by 18% and launch of new products like new wealth products, SME payment capabilities, crypto brokerage and corporate escrow services
..with robust credit quality and capital adequacy Impaired loans ratio has improved to 1.9% from 2.2% for same period last year and CAR ratio remained stable at 18.1%,well above regulatory requirements
…alongside our highest ever investments
In technology, people, infrastructure, and premises increased by 20% YoY
…and outstanding shareholder returns
In FY’25 shareholder returns improved further with return on common equity at 20.2%, up from 18.4% in PY and return on assets at 2.8%, up from 2.6% in PY
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