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Yuchengco-led Rizal Commercial Banking Corp. (RCBC) reported a 32 percent surge in unaudited consolidated net income to ₱8.2 billion in the first nine months of 2025, fueled by rising interest and fee-based earnings.
In a disclosure to the Philippine Stock Exchange, the bank said it registered a 13 percent expansion in gross customer loans and a 25 percent increase in fee income performance.
RCBC President and Chief Executive Officer Reggie Cariaso said the improving financial results reflect the progress of the Bank's focused and coordinated growth strategy.
“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,” he noted.
The bank’s net interest income rose by 32 percent to ₱40.8 billion, supported by an 86-basis point year-on-year improvement in net interest margin (NIM) to 4.68 percent, resulting in a 6.94 percent Return on Equity (ROE) and a 0.84 percent Return on Assets (ROA).
This was fueled by the expansion in higher-yielding consumer loans, which rose 33 percent year-on-year and now account for 46 percent of the bank's total loan portfolio.
Total receivables from credit cards and personal loans grew 38 percent, while auto and housing loans combined climbed 29 percent.
The sustained momentum in the consumer lending segment was driven by continued use of data science and digital channels for selective new customer acquisition, alongside the Bank's existing customer network.
Continued engagement in the consumer segment boosted fee income to ₱7.8 billion, mainly from loan-related transactions, credit card fees, and bancassurance activities. As a result, gross income was 24 percent higher in 2025, driven by core business growth.
As of end-September 2025, RCBC's total assets stood at ₱1.31 trillion, anchored on a solid funding base, with total deposits of ₱997.0 billion and a CASA ratio of 50.4 percent.
This was strengthened by the ₱12.2 billion Sustainability Bond issuance in July 2025 as funding costs improved amid the easing interest rate environment.
The bank's total equity reached ₱148.68 billion, with a Common Equity Tier 1 (CET1) ratio of 13.27 percent and Capital Adequacy Ratio (CAR) of 14.15 percent, both well above regulatory requirements.
As of September 30, 2025, RCBC's network consisted of 470 bank branches, 1,505 automated teller machines, and 6,389 ATM Go terminals strategically located nationwide.
