The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — H1 2026 Earnings Presentation
18 slides from The National Bank Of Ras Al Khaimah's earnings presentation, April 2026
Slide 1: Earnings Presentation Q2/H1 2026
Earnings Presentation Q2/H1 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
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 Key Business Ownership Structure Segments Personal • Founded in 1976 and headquartered in the emirate of 10% Banking 1% Ras Al Khaimah (‘RAK’) Individual Clients • Major transformation in 2001, rebranding to Rakbank • Listed on Ab
Slide 6: Record Profits Driven by Resilience, Sustainable Growth and a Fortress Balance Sheet
1. Key Highlights Record Profits Driven by Resilience, Sustainable Growth and a Fortress Balance Sheet H1’26 Key Highlights Profitability Metrics Balance Sheet Highlights Ratios D M D B % Profit Before Tax 1,879 M Total Assets 108.6 B Cost to Income 29.3% 24.7% 14.4% 533 bps Operating Income 3,125 M
Slide 7: 2. Rakbank Strategy
2. Rakbank Strategy
Slide 8: Our 2026 Vision, Strategy and Objectives
2. Rakbank 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 Become Bank of Personalize and Build a Comprehensive Deliver cutting edge Choice for SMEs Digitize Retail Wholesale Banking banking in
Slide 9: How We're Delivering On Our Strategic Objectives
2. Rakbank Strategy How We’re Delivering On Our Strategic Objectives Continued Become the most Deliver Scalable Invest in Our People Ongoing Diversification of our Personalized Bank in Growth through Commitment to our Business for UAE with a Brilliant Digitization Community and ESG Sustainable Growt
Slide 10: 3. Financial Performance
3. Financial Performance
Slide 11: Record profitability reflects diversified revenue streams and disciplined execution
3. Financial Performance Record profitability reflects diversified revenue streams and disciplined execution Income Statement H1’26| Q2’26 (AED M) H1'26 H1'25 YoY (%) (bps) Q2'26 Q2'25 YoY (%) (bps) • Earnings growth is underpinned by diversified revenue streams, with non-interest income Net Interes
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) ROCE1 % 21.9% 22.0% 15.1 % 29.9% 20.6% 22.1% 25.2% Gain on Sale of Merchant Acquiring Business Profit After Tax YoY: +5.2% YoY: +24.7% 1,008 1,713 473 1,374 707 705 670 529 535 Q2’25
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) NIM1 % 4.3% 3.8% 4.3 % 3.9% CIR3 % 35.9% 33.7% 34.6 % 29.3% Risk Adj. 4.0% 3.4% 3.9 % 3.2% NIM2 %
Slide 14: And balance sheet growth
3. Financial Performance And balance sheet growth Strong Loan Book Growth Across Segments and Deposit Growth Underpinned by CASA Deposits Gross Loans and Advances (AED B) Customer Deposits (AED B) QoQ % 1.7% 5.1% 3.9% 4.0% 4.6% CASA % 66.1% 66.1% 65.0 % 65.7% 64.3% LDR2 % 79.7% 78.1% 75.6 % 74.5% 77
Slide 15: Transforming our asset mix
3. Financial Performance Transforming our asset mix Strategic diversification and Risk Reduction in Asset Portfolio Total Business Assets by Segment Personal Banking – Business Assets (AED B) Personal Banking Dec’21 Jun’26 18% 13.7 Business Banking 24% 27% 36% Wholesale Banking incl. Treasury Treasu
Slide 16: Prudent risk management
3. Financial Performance Prudent risk management Provisioning has been proactively strengthened to reflect a prudent approach amid macro volatility, while asset quality metrics remain resilient Cost of Risk % Stage 3 Ratio1 Decline of 30 bps Decline of 1 bps 1.69% 2.10% 1.98% 1.90% 1.92% 1.80% 1.31%
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 Capital Ratios Retained Earnings Reserves Share Capital AT-1 CET 1 CAR 14.2 14.8 14.2 14.9 19.6% 19.3% 12.3 1.1 1.1 18.7% 18.7% 1.1 1.1 2.0 18.1% 2.0 2.0 2.0
Slide 18: Contact Useful Information
Contact Useful Information Svyatoslav Shlyakhtin Download links for: E-mail: ir@Rakbank.ae Investor Relations Website
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