RAKBANK has announced strong full-year 2025 financial results, delivering AED 2.6 billion in profit after tax, up 26 percent year on year, and crossing AED 105 billion in total assets, a 19 percent increase compared with the previous year.
Deposits rose 18 percent to AED 70.5 billion, while the Bank continued to strengthen key profitability indicators with return on common equity at 20.2 percent, up 181 basis points, and return on assets at 2.8 percent, up 18 basis points.
Record performance supported by strong core banking fundamentals
RAKBANK marked 50 years of sustainable growth, achieving its highest-ever profitability. FY 2025 performance was driven by a net interest margin of 4.3 percent, an industry-leading CASA ratio of 65 percent, and 29 percent growth in non-interest income, led by wealth management, FX and investment income.
Product innovation and balance sheet expansion
The balance sheet grew by AED 16.7 billion year on year, supported by a 11.7 percent increase in Gross Loans and Advances, reaching AED 56 billion. Growth was accompanied by an expanded product portfolio, including new wealth management offerings, SME payment solutions, crypto brokerage options, and corporate escrow services.
Solid asset quality and strong capital position
Credit quality continued to improve, with the impaired loans ratio declining to 1.9 percent from 2.2 percent a year earlier. The Bank maintained a robust capital position, with the capital adequacy ratio stable at 18.1 percent, comfortably above regulatory thresholds.
Continued investment in digital and operational transformation
RAKBANK recorded its highest-ever level of investment in 2025, with spending on technology, people, infrastructure, and premises rising 20 percent year on year, reinforcing the Bank’s long-term growth and innovation agenda.
Enhanced returns to shareholders
Shareholder returns improved further, driven by stronger profitability and efficient capital deployment. Return on common equity increased from 18.4 percent to 20.2 percent, while return on assets improved from 2.6 percent to 2.8 percent.
