Yuchengco-led Rizal Commercial Banking Corp. (RCBC) is urging clients to adopt a conservative investment strategy focused on short-term, low-risk instruments such as government securities, citing current economic uncertainty and high yield levels.
RCBC chief economist Michael Ricafort said that slowing inflation and the potential for a 75-basis-point rate cut by the Bangko Sentral ng Pilipinas create an environment conducive to locking in returns while preserving capital. He described this approach as “smart and safe,” especially as yields hover near cycle highs.
Maricel Peralejo, head of institutional and retail distribution for RCBC’s treasury group, noted that both institutional and retail investors are aligning with this view—favoring fixed income securities and short-term options like time deposits and treasury bills to maintain liquidity and flexibility amid geopolitical tensions.
On the corporate front, RCBC has expanded its risk management offerings, including interest rate swaps and FX forward contracts. Pam Macapagal, head of corporate and commercial distribution for treasury sales, emphasized that helping businesses manage volatility is central to the bank’s advisory approach.
The bank is also accelerating its digital transformation by scaling online foreign exchange and treasury platforms for both retail and corporate clients, enhancing real-time access to investment and hedging tools.
RCBC’s dual focus on capital preservation and digital treasury innovation positions it as a resilient advisor in volatile markets, underscoring the commercial and corporate value of risk-managed financial planning.
