Rizal Commercial Banking Corporation (RCBC) has reported an unaudited consolidated net income of P5.3 billion for the first half of 2025, marking a 20% increase compared to the same period in 2024.
This growth was fueled by the bank’s robust core business performance, which saw a 33% rise in net interest income and an improved Net Interest Margin (NIM) of 4.57%, up from 3.71%.
The expansion of RCBC’s core business was primarily driven by a 14% increase in the customer loan portfolio, with consumer lending showing the highest growth at 38%.
Credit cards and personal loan volumes grew by 47%, auto loans by 46%, and housing loans by 24%, supported by effective cross-selling initiatives across all consumer segments.
RCBC’s digital finance solutions, including RCBC Online Banking and RCBC Pulz, have played a significant role in driving growth.
Digital transaction volumes increased by 28%, reflecting the bank’s commitment to making banking more accessible and intuitive for its customers.
RCBC continues to set records in the region, being the first bank in Asia to win Euromoney’s “Best Bank for Digital” award for six consecutive years.
This accolade is among 23 others received by RCBC in 2025, recognizing its excellence in digital banking, customer service, and financial inclusion.
”We’re going to make data-driven decision-making a core part of our way of doing things, so that we can make intelligent and resourceful decisions when we engage our clients,” said RCBC President and CEO Reggie Cariaso. ”
“We’re investing in ways to understand our clients and meet all their financial needs through RCBC,” said Cariaso.
RCBC’s capital position remains strong at P163 billion, reflecting a 7% increase aligned with its earnings growth.
The bank’s capital ratios are well-buffered at 16.21% CAR and 13.71% CET1.
As of June 30, 2025, RCBC’s nationwide network includes 470 bank branches, 1,488 automated teller machines, and 6,549 ATM Go terminals.
