The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — 9M 2025 Earnings Presentation
20 slides from The National Bank Of Ras Al Khaimah's earnings presentation, October 2025
Slide 1: Earnings Presentation 9M 2025
Earnings Presentation 9M 2025 October 2025
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 Banking Company
Slide 6: RAKBANK delivers record profit before tax of AED 2.3 B driven by Non-interest income growth
1. KEY HIGHLIGHTS RAKBANK delivers record profit before tax of AED 2.3 B driven by Non-interest income growth and robust asset quality 9M’25 Key Highlights Profit before Tax Total Assets CIR 2,284 M 99.5 B 34.4% +23% +19% +82 bps Operating Income Gross Loans ROA F 3,895 M 53.9 B 3.0% +10% +10% +14 b
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 highest ever Profit Before Tax of AED 2.3 B, up 23% YoY
3. FINANCIAL PERFORMANCE RAKBANK Delivers highest ever Profit Before Tax of AED 2.3 B, up 23% YoY Income Statement 9M’25| Q3’25 (AED M) 9M'25 9M'24 YoY (%) Q3'25 Q3'24 YoY (%) Net Interest Income 2,725 2,663 2.3% 949 902 5.2% Non-Interest Income momentum continued into Q3’25, driven by growth in Per
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) 20.8% 12.7% 22.4 % 21.9% 21.5% 20.5% 21.9% CAGR: +23.1% 2,080 CAGR: +4.2% 1,689 704 707 669 F 600 386 Q3’24 Q4’24 Q1’25 Q2’25 Q3’25 9M’24 9M’25 Numbers may not add up due to rounding
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) 4.8% 4.2% 4.9% 4.3% 33.5% 33.9% 33.6% 34.4% 3,895 1,340 3,552 1,193 1,170 F 889 1,323 449 1,204 2
Slide 14: And Growth of the Balance Sheet
3. FINANCIAL PERFORMANCE And Growth of the Balance Sheet Strong Loan Book Across Segments and Deposit Growth Underpinned by CASA Deposits Evolution of Gross Loans (AED B) Evolution of Customer Deposits (AED B) 81% 79% 78% 80% 78% 12.1% 2.3% 0.7% 1.7% 5.1% 62% 63% 65% 66% 66% CAGR +3.5% CAGR +2.4% 65
Slide 15: Prudent Risk Management
3. FINANCIAL PERFORMANCE Prudent Risk Management High Quality Balance Sheet as a Testament to Strong Underwriting Cost of Risk Non-Performing Loan Ratio Decline of 47 bps Decline of 55 bps 2.16% 1.22% 2.25% 2.11% 2.14% 1.79% 1.69% 0.76% 0.75% 0.63% F Q3’24 Q4’24 Q1’25 Q2’25 Q3’25 Q3’24 Q4’24 Q1’25 Q
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) 12.5 18% 22% 29% 36% 7.2 13% 5.9 5.5 48% 3.9 58% 2.8 3.2 16% 2.1 FY 2021 September 2025 F Mort
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 19.6% 19.6% 12.3 2.0 18.6% 18.7% 11.6 11.8 11.6 2.0 18.1%* 2.0 2.0 2.0 5.7 4.3 4.5 4.5 4.4 17.1% 16.2% 16.4% 16.0% 5.5 5.8 6.5 15.
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% 17.5 18.1 18.3 16.6 15.4 Gross Loans Deposits 53.9 B 65.6 B F Sep’24 Dec’24 Mar’25 Jun’25 Sep’25 Investment Quality and Geography 12% 15% 9% 4% 25% 12% 44% 21% 66% 19% 60% 8% 84% 32% Investment G
Slide 20: Contact Useful Information
F Contact Useful Information Svyatoslav Shlyakhtin Download links for: E-mail: ir@rakbank.ae Investor Relations Website Q3 | 9M’25 Earnings Presentation | 20
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