National Bank of Ras Al Khaimah engages in the provision of retail and commercial banking, and treasury services. It operates through the following segments: Retail Banking, Wholesale Banking, Business Banking, Treasury, and Insurance Business. The Retail Banking segment engages in incorporating individual customer and certain business current accounts, savings accounts, deposits, credit and debit cards, individual customer loans and mortgages. The Wholesale Banking segment offers loans, advances, deposits and trade finance to corporate customers and financial institutions. The Business Banking segment incorporates transactions comprising of loans, advances, deposits and trade finance of small and medium-sized enterprises. The Treasury segment engages in the money market, foreign exchange transactions, and hedging activities with other banks and financial institutions. The Insurance Business segment incorporates all insurance related transactions. The company was founded on June 15, 1976 and is headquartered in Ras al Khaimah, United Arab Emirates.