ALRAYAN BANK LIMITED
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Cash
£1.4M
+23.3% vs 2024
Net assets
£234M
+8.1% vs 2024
Employees
175
-9.3% vs 2024
Profit before tax
£24M
+0.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-06-15.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £166,206,000 | £172,541,000 | +3.8% | |
| Operating profit | — | — | — | |
| Profit before tax | £23,469,000 | £23,587,000 | +0.5% | |
| Net profit | £17,717,000 | £17,681,000 | -0.2% | |
| Cash | £1,118,000 | £1,379,000 | +23.3% | |
| Total assets less current liabilities | £1,957,029,000 | £2,115,667,000 | +8.1% | |
| Net assets | £216,474,000 | £234,003,000 | +8.1% | |
| Equity | £216,474,000 | £234,003,000 | +8.1% | |
| Average employees | 193 | 175 | -9.3% | |
| Wages | £17,014,000 | £17,247,000 | +1.4% | |
| Directors' remuneration | £1,426,000 | £1,829,000 | +28.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Net margin | 10.7% | 10.2% | |
| Gearing (liabilities / total assets) | 92.4% | 92.5% | |
| Current ratio | 1.11x | 0.82x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- ALRAYAN BANK LIMITED 2014-12-11 → present
- ISLAMIC BANK OF BRITAIN PLC 2004-08-06 → 2014-12-11
- ISLAMIC HOUSE OF BRITAIN PLC 2002-07-11 → 2004-08-06
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst and Young
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After performing this assessment, the Directors concluded that it was appropriate for the Bank to continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Significant events
- “2025 was another year of strong delivery for Al Rayan Bank, as we continued to unlock sustainable value for our stakeholders despite a challenging economic backdrop. Falling base rates typically compress margins, yet we achieved a pre-tax profit of £23.59m. Our gross financing asset book grew to £2.49 billion, up from £2.11 billion in 2024, driven principally by robust performance in Structured Real Estate (SRE).”
- “In May 2025, we completed a major rebrand.”
- “In January 2026, we were proud to be named "Best Company to Work For" at the HR Brilliance Awards.”
- “In 2025, the Bank repaid £22.5m of its Tier 2 capital, with the remaining £2.5m tranche extended to a maturity date of 31 December 2040.”
- “In February 2026, the Bank completed a £10 million Tier 2 capital drawdown from its parent as part of its ongoing capital planning activities.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 48 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TROTT, Helen Clare | Secretary | 2025-03-27 | — | — |
| AL THANI, Hamad Faisal | Director | 2022-06-01 | Jan 1962 | Qatari |
| AL-EMADI, Omar Abdulrazaq | Director | 2022-11-01 | Feb 1980 | Qatari |
| ALKHALIFA, Fahad Abdulla | Director | 2021-12-01 | Aug 1972 | Qatari |
| ASHTON, Caroline Jane | Director | 2021-01-26 | Feb 1963 | British |
| CUNNINGHAM, Giles Hullah | Director | 2021-09-30 | Aug 1969 | British |
| HICKS, Steven Mark | Director | 2021-09-06 | May 1963 | British |
| LEWIS, Catherine Ellen | Director | 2023-07-01 | Sep 1964 | British |
| WILLIAMS, Michael Howard | Director | 2021-07-21 | Apr 1950 | British |
Show 48 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AZAM, Mohammed Al | Secretary | 2016-02-25 | 2022-03-16 |
| BIRKS, Charlotte | Secretary | 2023-10-05 | 2024-11-07 |
| CARTER, Michael Ian | Secretary | 2002-07-11 | 2004-04-30 |
| CHOUDHURY, Sultan Ahmed | Secretary | 2010-05-13 | 2013-04-23 |
| CRAWFORD, Iain Philip Paul | Secretary | 2013-04-23 | 2016-02-25 |
| CUNNINGHAM, Giles | Secretary | 2023-03-30 | 2023-10-05 |
| GATES, David | Secretary | 2005-01-31 | 2005-09-30 |
| HINDS, Stephen Eric | Secretary | 2004-04-30 | 2005-01-31 |
| LI, Helene Yuk Hing | Secretary | 2022-11-14 | 2023-02-24 |
| MAHMOOD, Saalim | Secretary | 2024-11-07 | 2025-03-27 |
| MARQUISS, Julie | Secretary | 2002-07-11 | 2002-07-11 |
| MULVEY, John Philip | Secretary | 2007-04-01 | 2010-05-07 |
| NEHAR, Amirun | Secretary | 2022-03-16 | 2022-09-30 |
| PIRANIE, Mahomed Ashraf | Secretary | 2005-10-01 | 2007-03-31 |
| ABDISHEIKH, Ahmed Swaleh | Director | 2014-01-23 | 2022-03-31 |
| AL ABDULLA, Hussain Ali, Doctor | Director | 2003-02-27 | 2005-02-08 |
| AL KHULAIFI, Abdulaziz | Director | 2005-09-28 | 2009-01-19 |
| AL SHAIBEI, Abdulbasit | Director | 2004-04-22 | 2005-02-08 |
| AL-ADHAMY, Abdul Hakim | Director | 2007-10-01 | 2010-11-10 |
| AL-JAMAL, Jamal Abdullah | Director | 2011-04-07 | 2014-01-23 |
| AL-KUWARI, Khalifa Jassim M A | Director | 2011-04-07 | 2014-01-23 |
| ALI, Shabbir Barkat | Director | 2022-06-01 | 2022-09-08 |
| BALET, Christophe Joseph | Director | 2003-09-18 | 2003-09-18 |
| BALET, Christophe Joseph | Director | 2003-09-18 | 2004-07-22 |
| BREISH, Abdulmagid Abdulsalam | Director | 2002-09-09 | 2004-12-06 |
| BROOKES, Malcolm James | Director | 2014-09-16 | 2023-12-31 |
| CARTER, Michael Ian | Director | 2002-07-11 | 2004-07-22 |
| CHOUDHURY, Sultan Ahmed | Director | 2007-06-11 | 2019-04-11 |
| DAVIS, Christopher Hayward | Director | 2004-07-22 | 2007-02-12 |
| DEEGAN, William Gerard | Director | 2007-01-22 | 2011-05-27 |
| GATES, David | Director | 2002-09-09 | 2006-04-26 |
| HANLON, Michael Robert | Director | 2003-05-01 | 2006-12-31 |
| HORTON, Peter | Director | 2020-04-21 | 2021-08-06 |
| KERLE, Kathryn Hertel | Director | 2020-12-12 | 2022-02-28 |
| MALIK, Abdul Rahman Abdul | Director | 2002-09-09 | 2007-03-31 |
| MARQUISS, Julie | Director | 2002-07-11 | 2002-07-11 |
| MARTIN, Stephen John | Director | 2002-07-11 | 2002-07-11 |
| MOORE, Simon Alick | Director | 2019-02-01 | 2020-10-23 |
| MOUSTAFA, Mohsen Tawfik | Director | 2005-09-28 | 2010-12-31 |
| MUSTAFAWI, Adel Mohammed Tayyeb | Director | 2011-04-07 | 2021-06-30 |
| NEWBERRY, Patrick John | Director | 2020-01-07 | 2021-01-23 |
| OWEN, Robert John | Director | 2007-02-12 | 2014-01-23 |
| PIRANIE, Ashraf | Director | 2005-07-11 | 2007-03-31 |
| RANDEREE, Shabir Ahmed | Director | 2003-03-03 | 2008-02-06 |
| SALAM, Ahmad | Director | 2002-09-09 | 2006-04-26 |
| SHARPE, Robert | Director | 2014-12-10 | 2019-02-01 |
| SOMMERS, Richard Francis | Director | 2017-06-22 | 2020-10-01 |
| YOUSIF, Adnan Ahmed | Director | 2002-09-09 | 2005-09-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Al Rayan (Uk)Ltd | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2024-04-03 |
Filing timeline
Last 20 of 246 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-16 | AA | accounts | Accounts with accounts type full | |
| 2025-08-15 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-23 | AA | accounts | Accounts with accounts type full | |
| 2025-06-06 | AD02 | address | Change sail address company with old address new address | |
| 2025-03-28 | CH01 | officers | Change person director company with change date | |
| 2025-03-27 | CH01 | officers | Change person director company with change date | |
| 2025-03-27 | CH01 | officers | Change person director company with change date | |
| 2025-03-27 | CH01 | officers | Change person director company with change date | |
| 2025-03-27 | CH01 | officers | Change person director company with change date | |
| 2025-03-27 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-03-27 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-11-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-16 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2024-06-29 | AA | accounts | Accounts with accounts type full | |
| 2024-06-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-06 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-01-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-03 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-12 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.