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词条 RAKBANK
释义

  1. Overview

  2. Corporate history

  3. Ownership structure

     Subsidiaries  Shareholders 

  4. Products

  5. Services

     Mobile Banking  MobileCash 

  6. CSR

  7. Awards

  8. References

  9. External links

{{multiple issues|{{more citations needed|date=February 2012}}{{advert|date=December 2013}}{{COI|date=February 2016}}
}}{{Infobox company
| name = RAKBANK
| logo = RAKBANK-logo-new.png
| type = Public Joint Stock Company
| industry = Banking
Financial services
| hq_location = Ras Al-Khaimah, United Arab Emirates
| area_served = United Arab Emirates
| key_people = H.E. Mohammad Omran Alshamsi
(Chairman)
Peter William England
(Chief Executive Officer)
Deepak Majithia
(Chief Financial Officer)


Geoffrey Stecyk
(Chief Operating Officer)
K.S. Ramakrishnan
(Chief Risk Officer)
Abdul Karim Juma
(Director of Islamic Banking)
Saleh Ali Saleh
(Director Of RAK Business)
Mufaddal Khumri Idris
(Director of Credit Cards)
| products = Cards
Wealth Management
RAKFinance
Insurance & Takaful
Mortgages
Auto Finance
Personal Finance
Business Banking
| assets = Dhs. 34.5 billion[1]
| website = RAKBANK.ae
}}RAKBANK is the trading name of the National Bank of Ras Al-Khaimah PJSC, a public joint stock company headquartered in the emirate of Ras Al-Khaimah, in the United Arab Emirates (UAE). It is listed on the Abu Dhabi Securities Exchange (ADX) and its shares are publicly traded [1]

Overview

RAKBANK is a retail and business bank in the UAE with assets of AED 34.5 billion at the close of the first half of 2014.[2] The Bank provides conventional and Islamic retail, small business, and commercial banking services through a network of thirty nine branches and 293 ATMs in the UAE as well as its Telephone, Online and Mobile Banking channels. According to The Banker's Top 1000 Arab Bank Rankings in 2014 (published by FT Financial Publishing), RAKBANK is the 1st in the UAE by Return On Assets (ROA) and 17th in the world.[3]

The Bank was amongst the few commercial banks in the UAE which posted profit growth in 2009. Due to the Bank’s withdrawal in 2006 from lending in the construction and civil engineering segments outside of its base Emirate, it has very little residual exposure in those segments and has no exposure to construction involving high-rise towers[4]

At the start of 2013, the Bank launched an Islamic Banking unit, RAKBANK AMAL, amid a flood of investments in the Shariah (Islamic law)-compliant financial sector in the country.[5] The Islamic banking products and services are offered via its subsidiary, RAK Islamic Finance Company.

In August 2014, the Bank announced its intention to acquire a majority stake in Ras Al Khaimah National Insurance Company (RAKNIC) following approval from the Bank’s shareholders. Shareholders voted in favour of the Bank buying a majority stake at Dh3.64 per share during its ordinary general assembly held on Monday at the bank’s headquarters in Ras Al Khaimah. The acquisition will be done through an offer to all shareholders of RAKNIC.[6]

Corporate history

Established in the 1970s, the National Bank of Ras Al-Khaimah in UAE underwent a major transformation in 2001, with a shift in focus from corporate banking to retail and small businesses.

Ownership structure

Subsidiaries

RAKBANK has a total of four subsidiaries as of 30 September 2014:

Subsidiary Ownership Country
RAK Funding Cayman Limited 99.99% Cayman Islands
RAK Islamic Finance Company Pvt. J.S.C 99.99% UAE
Back Office Support Services (BOSS) FZCO 80.00% UAE
RAK Technologies FZCO 80.00% UAE
Ras Al Khaimah National Insurance Company (PSC)79.23%UAE

Shareholders

The Bank is 52.76% owned by the Government of Ras-Al-Khaimah with shares that are publicly traded. The Board consists of several members of the ruling family of the emirate and businessmen from across the UAE and Kuwait.

Shareholder Ownership
The Government of Ras Al Khaimah 52.76%
UAE Citizens 26.99%
Foreign Ownership 20.25%

Products

Retail
Personal AccountsDepositsBusiness AccountsPersonal Credit CardsBusiness Credit CardsDebit CardsPrepaid CardsPersonal LoansBusiness LoansMotor InsuranceLife InsuranceSavings PlanRAKvalue
Current AccountFixed DepositsCurrent AccountRAKBANK World MasterCard Credit CardTitanium Business Credit CardRAKBANK Standard MasterCard DebitBayani Prepaid CardPersonal LoanRAKfinance Loan and RAKtradeRAK InsuranceSmart Term Life InsuranceTriPlusRAKvalue for Accounts
Savings AccountCall DepositsRAKfinance AccountRAKBANK Kalyan Jewellers CardRAKelite World MasterCard DebitBling and Loaded Prepaid CardMortgage Home LoanSME Business FinanceUIC Motor InsuranceFutureInvestLifeShieldRAKvalue for Credit Cards
Fast SaverTitanium Credit CardRAKelite Platinum MasterCard DebitRAKauto LoanOIC Motor InsuranceRAKlife InsuranceEduCareRAKvalue for SME
RAKsaveRAKBANK nmc MasterCardOverdrafts & Salary AdvanceAXA InsuranceSuper Secure
RAKvantageRAKBANK Geant La Carte Credit Card
EvantageVisa Credit CardSSAS refss will baba help charm
RAKvalue for AccountsRed MasterCard Credit Card
Master card
RAKvalue for Credit Cards
Wholesale
Financial InstitutionsRAKBiz Equip
Commercial Vehicles
Construction Equipment
Professional and General Equipment
Medical Equipment
Wealth
RAKelite Premium BankingRAKinvestMututal Funds
Amal - Islamic Banking
Personal AccountsBusiness AccountsPersonal Credit CardsBusiness Credit CardsDebit CardsPersonal FinanceBusiness FinanceMotor TakafulFamily Takaful PlanIdikhar Plus (Savings Plan)RAKvalueAmal Business Equipment Finance
Amal Current AccountAmal Business Current AccountAmal Titanium Credit CardAmal Business Titanium Credit CardAmal Debit CardAmal Personal FinanceAmal Business FinanceAman Motor TakafulHemayati Plus (Family Takaful Plan)RAKvalue for AccountsCommercial Vehicles
Amal Savings AccountAmal Business Finance AccountAmal Standard Credit CardAmal Home FinanceAmeen and Ameen PrimeRAKvalue for SMEConstruction Equipment
Amal Jood Savings AccountAmal Call Investment DepositAmal Auto FinanceHyat Plus and Hyat SuperiorProfessional and General Equipment
Amal Advantage AccountRAKvalue for SMEAmal Salary AdvanceMedical Equipment
Amal Term Investment DepositAmal Service Finance
Amal Call Investment Deposit
Amal RAKvalue for Accounts

Services

Mobile Banking

Also in early 2011, RAKBANK launched its Mobile Banking service, an alternative channel that provides customers with the convenience of conducting banking transactions on the go via mobile phones. RAKBANK made Mobile Banking available on both smart phones and conventional mobiles.[7]

MobileCash

In mid-2014, RAKBANK launched MobileCash for instant money transfer through mobile phones. The recipient doesn’t even need a bank account – they enter a code and pick up the money from a RAKBank ATM. The recipient doesn’t even need a smartphone either [8]

CSR

RAKBANK has a number of strategies in place to honor its sustainability commitments which reduce the bank’s consumption of paper, toners, and energy. It is also constantly scouting for opportunities to help better society and to offer philanthropic contributions.[9]

Awards

  • Best Internet Banking Initiative Award at The Asian Banker – Middle East Retail Product Awards 2014 for Click and Collect[10]
  • Bank of the Year award at the 2012 Arabian Business Achievement Awards[11]
  • Best Marketing Campaign of the Year award at the Middle East Prepaid Awards 2012 for the MasterCard Bling campaign[12]

References

1. ^{{cite web|title=RAKBANK SHARE QUOTE|url=https://www.adx.ae/English/Securities/Pages/Profile.aspx?Symbol=RAKBANK}}
2. ^{{cite news|title=RAKBank posts Dh700m H1 net profit|url=http://gulfnews.com/business/banking/rakbank-posts-dh700m-h1-net-profit-1.1362868|date=22 July 2014}}
3. ^{{cite web|title=Top 1000 World Banks|url=http://www.thebanker.com/Top-1000-World-Banks}}
4. ^{{cite news|title=Rakbank to Focus on Abu Dhabi Mortgage Market in 2009|url=http://www.khaleejtimes.com/DisplayArticleNew.asp?section=uaebusiness&xfile=data/uaebusiness/2009/february/uaebusiness_february82.xml|date=10 February 2009}}
5. ^{{cite news|title=RAKBank establishes Islamic unit|url=http://www.thenational.ae/business/industry-insights/finance/rakbank-establishes-islamic-unit|date=21 January 2013}}
6. ^{{cite news|title=RAKBank to acquire RAKNIC|url=http://gulfnews.com/business/banking/rakbank-to-acquire-raknic-1.1373650|date=18 August 2014}}
7. ^{{citation |title=RAKBANK unveils mobile services|publisher=Khaleej Times |date=2011-04-11|accessdate=2011-05-09 }}
8. ^{{cite news|title=RAKBank introduces MobileCash app to make transferring money simple|url=http://www.thenational.ae/business/banking/rakbank-introduces-mobilecash-app-to-make-transferring-money-simple|publisher=The National|date=19 August 2014}}
9. ^{{cite web|title=RAKBANK’s CSR Initiatives|url=http://www.uaebf.ae/adminpanel/ckeditor/image/upload/files/RAKBANK%20Invests%20in%20CSR%20-%20English.pdf}}
10. ^{{cite news|title=RAKBANK Honoured with Two Prominent Awards by The Asian Banker|url=https://www.zawya.com/story/RAKBANK_Honoured_with_Two_Prominent_Awards_by_The_Asian_Banker-ZAWYA20140512113053|date=12 May 2014}}
11. ^{{cite news|title=RAKBANK wins 'Bank of the Year' at Arabian Business Achievement Awards|url=http://english.mubasher.info/DFM/news/2198131/RAKBANK-wins-Bank-of-the-Year-at-Arabian-Business-Achievement-Awards#.VBF3tGPQ1LY}}
12. ^{{cite news|title=Rakbank wins ME prepaid award|url=http://www.khaleejtimes.com/biz/inside.asp?xfile=/data/uaebusiness/2012/April/uaebusiness_April94.xml§ion=uaebusiness}}

External links

  • Official website

4 : Companies with year of establishment missing|Banks of the United Arab Emirates|Online banks|Companies based in Ras Al Khaimah

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