Rizal Commercial Banking Corp. (RCBC) reported a P5.3 billion net income for the first half of 2025, marking a 20 percent year-on-year increase, fueled by continued strength in its core banking operations and digital innovation.
The bank’s net interest income rose by 33 percent, with net interest margin (NIM) improving to 4.57 percent from 3.71 percent, driven by a 14 percent expansion in the loan portfolio. Notably, consumer lending surged 38 percent, led by strong growth in credit cards and personal loans (+47 percent), auto loans (+46 percent), and housing loans (+24 percent).
RCBC’s corporate and commercial segments also contributed significantly, supported by a growing client base and targeted cross-selling. Its digital platforms, including RCBC Online Banking and RCBC Pulz, continued to scale, with digital transaction volumes up 28 percent.
President and CEO Reggie Cariaso emphasized a shift toward data-driven decision-making to enhance client engagement and meet diverse financial needs.
RCBC remains well-capitalized, with total capital rising to P163 billion (+7 percent) and capital adequacy ratios at 16.21 percent (CAR) and 13.71 percent (CET1). As of end-June, the bank operated 470 branches, 1,488 ATMs, and 6,549 ATM Go terminals nationwide.
RCBC also earned Euromoney’s “Best Bank for Digital” in Asia for the 6th consecutive year, among 23 awards received in 2025, cementing its position as a leader in digital banking and inclusive finance.
