Rizal Commercial Banking Corporation (RCBC) has reported an unaudited consolidated net income of Php 8.2 billion for the first nine months of 2025, marking a remarkable 32% increase compared to the same period last year.
This growth was fueled by a 13% expansion in gross customer loans and a 25% rise in fee income performance.
The bank’s net interest income surged by 32% to Php 40.8 billion, supported by an 86-basis point year-on-year improvement in net interest margin (NIM) to 4.68%.
RCBC achieved a Return on Equity (ROE) of 6.94% and a Return on Assets (ROA) of 0.84%.
Higher-yielding consumer loans grew by 33% year-on-year, now accounting for 46% of the Bank’s total loan portfolio.
Receivables from credit cards and personal loans increased by 38%, while auto and housing loans combined rose by 29%.
The bank’s focus on leveraging data science and digital channels for targeted customer acquisition, along with its existing customer network, has driven sustained growth in the consumer lending segment.
Fee income reached Php 7.8 billion, primarily from loan-related transactions, credit card fees, and bancassurance activities, contributing to a 24% increase in gross income for 2025.
RCBC President & CEO Reggie Cariaso highlighted the Bank’s strategic approach to growth, stating, “Our continued momentum in the consumer segment affirms that our deliberate approach anchored on data-driven decisions, prudent risk management, and collaboration across businesses continues to drive sustainable growth for the Bank.”
As of September 30, 2025, RCBC’s total assets stood at Php 1.31 trillion, supported by a solid funding base with total deposits of Php 997.0 billion and a CASA ratio of 50.4%.
The bank’s funding costs improved following the Php 12.2 billion Sustainability Bond issuance in July 2025, amid an easing interest rate environment.
RCBC’s total equity reached Php 148.68 billion, with a Common Equity Tier 1 (CET1) ratio of 13.27% and Capital Adequacy Ratio (CAR) of 14.15%, both exceeding regulatory requirements.
RCBC’s achievements have been recognized with 25 awards in 2025, including the prestigious title of “Best Cash Management Bank in the Philippines” by The Asian Banker.
These accolades highlight RCBC’s excellence in digital solutions, innovative payroll initiatives, and sustainable finance.
As of the end of September 2025, RCBC’s nationwide network includes 470 bank branches, 1,505 automated teller machines, and 6,389 ATM Go terminals, ensuring accessibility for customers across the Philippines.
