The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Q1 2026 Earnings Presentation
20 slides from The National Bank Of Ras Al Khaimah's earnings presentation, April 2026
Slide 1: Earnings Presentation Q1 2026
Earnings Presentation Q1 2026 April 2026
Slide 2: Disclaimer
Disclaimer The information in this document has been prepared by The National Bank of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates (“RAKBANK”) and is general background information about RAKBANK’s activities and is not intended to be current as on the date of the documen
Slide 3: Table of Contents
Table of Contents 1. Key Highlights 2. RAKBANK Strategy 3. Financial Performance 4. Appendix
Slide 4: 1. Key Highlights
1. Key Highlights
Slide 5: RAKBANK - Leading Bank in The UAE
1. KEY HIGHLIGHTS RAKBANK - Leading Bank in The UAE Our Proud History RAKBANK Awards & Accolades ▪ Founded in 1976 and headquartered in the emirate of Ras Al Khaimah (‘RAK’) ▪ Major transformation in 2001, rebranding to RAKBANK ▪ Listed on Abu Dhabi Securities Exchange (ADX) in 2005 Middle East’s Be
Slide 6: Record Profit of D 1B in Q1 2026
1. KEY HIGHLIGHTS Record Profit of D 1B in Q1 2026. RAKBANK Remains Open for Business and Positioned for Growth Q1’26 Key Highlights Profit before Tax Total Assets CIR 1,106 M 107.3 B 26.2% +43% +18% -725 bps Operating Income Gross Loans ROA F 1,820 M 58.2 B 3.9% +40% +15% +63 bps Operating Expenses
Slide 7: 2. RAKBANK Strategy
2. RAKBANK Strategy
Slide 8: Our 2026 Vision, Strategy and Objectives
2. RAKBANK AND ITS STRATEGY Our 2026 Vision, Strategy and Objectives 2026 Vision “Become the digital bank with a human touch, with you in key moments of truth” Key Strategic Pillars Become Bank of Choice for Personalize and Digitize Retail Build a Comprehensive Deliver cutting edge banking SMEs Bank
Slide 9: How We're Delivering On Our Strategic Objectives
2. RAKBANK AND ITS STRATEGY How We’re Delivering On Our Strategic Objectives Continued Diversification of Become the most Ongoing Commitment to our our Business for Sustainable Personalized Bank in UAE Deliver Scalable Growth Invest in Our People Community and ESG Growth with a Brilliant Customer th
Slide 10: 3. Financial Performance
3. Financial Performance
Slide 11: RAKBANK delivers outstanding Quarterly result despite volatile backdrop
3. FINANCIAL PERFORMANCE RAKBANK delivers outstanding Quarterly result despite volatile backdrop Income Statement Q1’26 Q1'26 Q1'25 YoY (%) Q4'25 QoQ (%) Net Interest Income 947 867 9.2% 961 (1.5)% Earnings growth is increasingly underpinned by diversified revenue streams, with non-interest income i
Slide 12: Consistent Growth in Profit Resulting in Strong Shareholder Returns
3. FINANCIAL PERFORMANCE Consistent Growth in Profit Resulting in Strong Shareholder Returns Profit After Tax (AED M) 22.4% 21.9% 22.0% 15.1% 29.9% 1,008 CAGR: +9.4% F 704 707 669 529 Q1’25 Q2’25 Q3’25 Q4’25 Q1’26 ROE % Numbers may not add up due to rounding Definitions: ROE – Return on Equity excl.
Slide 13: Supported by Fee Income Momentum
3. FINANCIAL PERFORMANCE Supported by Fee Income Momentum Strong Operating Income trend supported by growth in non-interest income and cost discipline Operating Income (AED M) Operating Expenses (AED M) 4.33% 4.34% 4.24% 4.19% 3.99% 3.86% 3.96% 3.80% 3.41% 2.99% 33.4% 35.9% 33.9% 40.3% 26.2% 1,820 5
Slide 14: And Growth of the Balance Sheet
3. FINANCIAL PERFORMANCE And Growth of the Balance Sheet Strong Loan Book Growth Across Segments and Deposit Growth Underpinned by CASA Deposits Evolution of Gross Loans (AED B) Evolution of Customer Deposits (AED B) 78.0% 79.7% 78.1% 75.6% 74.5% 0.7% 1.7% 5.1% 3.9% 4.03% 65.1% 66.1% 66.1% 65.0% 65.
Slide 15: Prudent Risk Management
3. FINANCIAL PERFORMANCE Prudent Risk Management Provisioning has been proactively strengthened in Q1’26 to reflect a prudent approach amid macro volatility, while asset quality metrics remain resilient Cost of Risk Stage 3 Ratio Increase of 93 bps Decline of 27 bps 1.69% 1.31% 2.19% 2.10% 1.98% 1.9
Slide 16: Transforming Our Asset Mix
3. FINANCIAL PERFORMANCE Transforming Our Asset Mix Strategic Diversification and Risk Reduction in Asset Portfolio Total Business Assets by Segment (AED B) Total Business Assets – Personal Banking (AED B) 13.5 18% 23% 28% 36% 13% 7.2 5.5 5.9 48% 3.9 59% 2.8 3.2 16% 2.1 FY 2021 March 2026 F Mortgage
Slide 17: Strong financial Base Supporting Sustainable Growth
3. FINANCIAL PERFORMANCE Strong financial Base Supporting Sustainable Growth The Bank remains liquid and well capitalized Breakdown of Equity (AED B) Capital Ratios 14.2 14.8 14.2 19.6% 1.1 1.1 1.1 12.3 18.6% 18.7% 18.7% 11.6 2.0 2.0 2.0 18.1% 2.0 2.0 4.6 4.6 4.4 4.5 4.4 16.2% 16.4% 7.0 16.0% 5.8 6.
Slide 18: 4. Appendix
4. Appendix
Slide 19: Investments and Geography
4. Appendix Investments and Geography Investments (AED B) Gross Loans and Deposits by Emirate CAGR +4.4% 20.8 19.5 17.5 18.1 18.3 Gross Loans Deposits 58.2B 74.3 B F Mar’25 Jun’25 Sep’25 Dec’25 Mar’26 Investment Quality and Geography 11% 14% 11% 3% 25% 11% 45% 18% 61% 18% 61% 7% 86% 30% Investment G
Slide 20: Contact Useful Information
F Contact Useful Information Svyatoslav Shlyakhtin Download links for: E-mail: ir@rakbank.ae Investor Relations Website Q1’26 Earnings Presentation | 20
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