A. SREENIVASA REDDY (ABU DHABI)
RAKBANK reported strong full-year results for 2025, posting a profit after tax of Dh2.6 billion, a 26% increase year on year.
According to the bank’s financial results, total assets rose 19% year on year to Dh105 billion, while customer deposits increased 18% to Dh70.5 billion. Return on common equity improved to 20.2%, an increase of 181 basis points compared with the previous year, while return on assets strengthened to 2.8%, up 18 basis points year on year.
The bank said its FY25 performance was supported by a net interest margin of 4.3%, an industry-leading current and savings account (CASA) ratio of 65%, and a 29% year-on-year rise in non-interest income, driven by growth in wealth management, foreign exchange and investment income.
Balance sheet growth remained robust, with gross loans and advances rising 11.7% year on year to Dh56 billion, while deposits grew 18%. Asset quality improved further, with the impaired loans ratio declining to 1.9% from 2.2% a year earlier, and the capital adequacy ratio remaining stable at 18.1%, well above regulatory requirements.
The bank also highlighted continued investment across its platform, with spending on technology, people, infrastructure and premises increasing by 20% year on year, alongside improved shareholder returns.
Commenting on the performance, Mohamed Omran Alshamsi, Chairman of RAKBANK, said 2025 marked another strong year of progress for the bank, reflecting consistent execution of its strategy. “Our focus on disciplined growth,
digital innovation and delivering meaningful customer experiences enabled the Bank to achieve record profitability of Dh2.9 billion before tax.”
The chairman said that with a robust balance sheet and a clear strategic direction, the bank remains well positioned to deliver sustainable value for shareholders while continuing to support customers and the wider economy.
Group Chief Executive Officer Raheel Ahmed said 2025 was a defining year for RAKBANK, as ambition translated into execution and record profitability. He said the bank delivered profit before tax of Dh2.9 billion, supported by diversified income streams, sustained balance sheet growth and strong asset quality, while total assets crossed Dh100 billion for the first time in its history.
Ahmed added that disciplined execution, technology adoption and innovation across products and services helped strengthen customer experience and operational resilience, positioning the bank to continue delivering sustainable growth and value in the years ahead.
“AS RAKBANK prepares to mark its 50th anniversary, we do so from a position of strength and confidence,” Ahmed said.