The National Bank of Ras Al-Khaimah (P.S.C.) Monthly Analysis (December 2025)

The National Bank of...

ADX:RAKBANK

AED 8,17

+ AED0,22 (2,77%)

8,17 AED

+AED0,22 (2,77%)

End-of-day quote: 12/26/2025

The National Bank of Ras Al-Khaimah (P.S.C.) Stock Value

Analysts currently see ADX:RAKBANK at the level of Outperform.

Outperform

The National Bank of Ras Al-Khaimah (P.S.C.) Company Info

EPS Growth 5Y

13,79%

Market Cap

AED16,43 B

Long-Term Debt

AED7,66 B

Annual earnings

01/27/2026

Dividend

AED0,51

Dividend Yield

6,29%

Founded

1976

Industry

Financials

Country

United Arab Emirates

Website

The National Bank of Ras Al-Khaimah (P.S.C.)

ISIN Number

AEN000601015

Website

http://rakbank.ae

Analyst Price Target

AED8,20

0.37%

Last Update: 12/27/2025

Analysts: 4

Highest Price Target AED8,60

Average Price Target AED8,20

Lowest Price Target AED7,90

In the last five quarters, The National Bank of Ras Al-Khaimah (P.S.C.)’s Price Target has risen from AED3,79 to AED4,43 - a 16,89% increase. One analysts predict that The National Bank of Ras Al-Khaimah (P.S.C.)’s share price will increase in the coming year, reaching AED8,20. This would represent an increase of 0,37%.

Top growth stocks in the financials sector (5Y.)

What does The National Bank of Ras Al-Khaimah (P.S.C.) do?

The National Bank of Ras Al-Khaimah (P.S.C.), together with its subsidiaries, operates within the banking and financial services sector. The company’s offerings span across several key areas, including retail banking, wholesale banking, business banking, treasury services, and insurance business. Retail banking includes services such as savings accounts, loans, mortgages, and credit cards aimed at individual customers. Wholesale banking focuses on corporate clients, providing services such as loans, trade finance, and treasury operations. Business banking caters specifically to small and medium-sized enterprises (SMEs). Furthermore, the company also engages in treasury operations that include money market transactions and foreign exchange dealings, adding a layer of complexity and depth to its financial services. The insurance business operates as a subsidiary, Ras Al Khaimah National Insurance Company PSC, which complements the bank's core activities by offering a range of insurance products.

Business Segments

The company has delineated its operations into five principal business segments: Retail Banking, Wholesale Banking, Business Banking, Treasury and Other, and Insurance Business.

Retail Banking

The Retail Banking segment focuses on individual customers and small businesses, offering an array of products such as current and savings accounts, credit and debit cards, personal loans, and mortgages.

Wholesale Banking

The Wholesale Banking segment serves large corporations, government entities, and public institutions. The services provided include corporate loans, trade finance solutions, liquidity management, and advisory services.

Business Banking

The Business Banking segment is tailored specifically for small and medium-sized enterprises (SMEs). This segment offers a diversified range of products and services which encompasses loans, specific deposit accounts, and trade finance solutions that help SMEs navigate their financial challenges.

Treasury and Other

The Treasury and Other segment includes the management of the bank's liquidity, foreign exchange transactions, and interest rate risk.

Insurance Business

The Insurance Business segment operates through the subsidiary, Ras Al Khaimah National Insurance Company PSC, and provides various insurance products that complement the banking services. This segment focuses on both life and non-life insurance products.

Business Strategy

The business strategy of the company revolves around a multi-faceted approach aimed at sustainability, innovation, and customer satisfaction.

A primary component of the company’s strategy is the digital transformation of its banking services. The bank recognizes the growing importance of technology in reshaping the financial services landscape and acts to leverage digital channels to enhance customer engagement and improve service delivery. By investing in robust digital banking platforms, the company aims to provide customers with convenient access to a full suite of banking services, enabling them to perform transactions from the comfort of their homes or on-the-go.

Another essential aspect of the business strategy is the focus on customer-centric approaches. The company employs targeted marketing strategies to understand customer preferences and deliver personalized banking solutions. By actively engaging with clients and analyzing feedback, the company continuously refines its service offerings to align with market demands, ensuring a high level of customer satisfaction and retention.

The expansion of the product portfolio is also a prominent feature of the company’s strategy. the company continually evaluates market trends and identifies opportunities for introducing new products and services. This proactive approach enables the bank to meet evolving customer needs and stay ahead of competitors.

Collaboration and partnerships are also integral to the bank’s strategy. By forming strategic alliances with fintech companies and other financial institutions, the company aims to enhance its service offerings and expand its market reach.

Products and Services

The company provides a wide array of products and services tailored to meet the diverse needs of its clientele across various segments.

Retail Banking: The company offers individual customers access to savings accounts, current accounts, term deposits, personal loans, home loans, and credit cards.

Wholesale Banking: The company caters to large enterprises and governmental bodies, providing services such as corporate loans, cash management solutions, trade finance, and advisory services.

Business Banking: The company offers a range of financing solutions including business loans, overdrafts, and trade finance options.

Treasury and Other: The company offers treasury and trading services which encompass money market transactions, foreign exchange dealings, and the management of interest rate risk.

Insurance Business: The company provides various coverage options such as life and health insurance, property coverage, and motor insurance.

Geographical Markets Served

The company primarily serves clients within the United Arab Emirates.

Seasonality

The company observes certain seasonal trends that influence its business performance throughout the year. Notably, retail banking activity experiences increased demand during festive seasons and public holidays, including Eid and the end-of-year holiday period, leading to a surge in transaction volumes, loan applications, and customer engagement. This seasonal behavior typically enhances the overall performance of the bank's retail segment.

Conversely, in the wholesale banking and business banking segments, performance can be influenced by the broader economic landscape, including fluctuations in trade activities and economic conditions that affect corporate financing needs. The cyclical nature of sectors such as construction and retail can also affect business banking dynamics.

Overall, the company actively monitors these seasonal trends to optimize resource allocation and ensure that it is well-prepared to cater to increased demand periods while maintaining efficient operations throughout the year.

Customers

The company serves a diverse clientele that includes individual customers, small and medium-sized enterprises (SMEs), large corporations, and government entities.

Individual customers benefit from personalized banking services designed to meet their financial needs, including savings and checking accounts, loans, and investment options.

SMEs are essential to the bank's customer portfolio, receiving tailored support through specialized products such as business loans and trade finance solutions.

Corporate clients and government bodies represent the wholesale banking segment, where the bank provides complex financial solutions including large-scale loans, trade financing, and investment services.

Sales and Marketing

The company utilizes a variety of sales and marketing strategies to effectively reach its clientele and build lasting relationships. The bank adopts an integrated approach that combines traditional marketing methods with modern digital strategies to ensure comprehensive market coverage.

In-person interactions at branch locations remain a critical component of the sales strategy, fostering personal customer relationships and providing an immediate touchpoint for clients. The bank's broad network of branches across the UAE enables direct engagement, where customers can receive tailored advice and support from financial advisors.

Digital marketing plays a pivotal role in the company's outreach strategy, utilizing social media platforms, email campaigns, and targeted online advertisements to communicate with potential customers and promote banking products.

The company’s website and mobile banking applications serve as crucial distribution channels, offering clients self-service options that facilitate various banking transactions.

Additionally, partnerships with fintech firms enhance the distribution of innovative banking solutions.

History

The National Bank of Ras Al-Khaimah (P.S.C.) was founded in 1976. The company was incorporated in 1976.

The National Bank of Ras Al-Khaimah (P.S.C.) Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry Revenues: Retail and Private Banking: approx. 50% Corporate Loans: approx. 30% Islamic Banking: approx. 20% TOP 3 Markets: United Arab Emirates: approx. 85% Saudi Arabia: approx. 10% Qatar: approx. 5% RAKBANK generates the majority of its revenues from retail and private banking, follow...

At which locations are the company’s products manufactured?

Production: Not applicable The National Bank of Ras Al-Khaimah (RAKBANK) is a financial institution and does not produce physical products. As a bank, RAKBANK offers financial services such as account management, loans, mortgages, and investment products. The services are mainly provided in the Unit...

What strategy does The National Bank of Ras Al-Khaimah (P.S.C.) pursue for future growth?

Strategy for Future Growth: Digitization and Technology Focus: RAKBANK is heavily investing in digital platforms and technologies to enhance customer experience and increase operational efficiency. This includes the development of mobile banking apps and online services. Diversification of Reven...

Which raw materials are imported and from which countries?

Imported Raw Materials/Components: No specific raw materials or components Countries of Origin: Not applicable RAKBANK is a financial institution and not a production or trading company. Therefore, it does not import physical raw materials or components. Its business focus is on banking services suc...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 14.5% (2024) Market Share in Retail Banking: 10% (Estimate 2024) Loan Growth: 8% (2024) RAKBANK has a significant competitive advantage, reflected in a solid Return on Equity of 14.5% in 2024. This metric shows that the company is efficient in deploying its capital and demons...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approximately 40% (estimated for 2025) Insider Buys/Sells: No significant transactions in the last year (estimated for 2025) The institutional investor share at RAKBANK is around 40%, indicating a solid trust from institutional investors in the bank. These investors are...

What percentage market share does The National Bank of Ras Al-Khaimah (P.S.C.) have?

Market share of RAKBANK: Estimated at around 5% (2025) Main competitors and their market shares: First Abu Dhabi Bank (FAB): approximately 25% Emirates NBD: approximately 20% Abu Dhabi Commercial Bank (ADCB): approximately 15% Dubai Islamic Bank (DIB): approximately 10% Mashreq Bank: approximately...

Is The National Bank of Ras Al-Khaimah (P.S.C.) stock currently a good investment?

Return on Equity (ROE): 12.5% (2024) Net Profit Growth: 10% (2024) Return on Assets (ROA): 1.8% (2024) Over the past years, RAKBANK has demonstrated solid financial performance, particularly through a strong Return on Equity of 12.5%, indicating efficient use of equity capital. The 10% Net Profit Gr...

Does The National Bank of Ras Al-Khaimah (P.S.C.) pay a dividend – and how reliable is the payout?

Dividend Yield: 4.5% (2024) Dividend History: Continuous payout over the last 5 years RAKBANK has pursued a consistent dividend policy in recent years, regularly distributing dividends to its shareholders. The dividend yield is currently around 4.5%, which is competitive compared to other banks in t...

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The National Bank of Ras Al-Khaimah (P.S.C.) Stock Value

The National Bank of Ras Al-Khaimah (P.S.C.) Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does The National Bank of Ras Al-Khaimah (P.S.C.) do?

The National Bank of Ras Al-Khaimah (P.S.C.) Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal