MANILA, Philippines — Rizal Commercial Banking Corporation (RCBC), the Yuchengco-led bank, reported an 11 percent increase in its full-year net income for 2025, reaching P10.6 billion. The growth was driven primarily by a surge in high-yielding consumer loans and robust core revenue performance.
The bank’s full-year results, published on February 24, 2026, highlighted the success of its data-driven growth strategy and digital transformation.
Key Financial Highlights:
- Net Income: P10.6 billion, up 11% from P9.5 billion in 2024.
- Consumer Lending Boom: The consumer loan segment saw a 33% year-on-year increase, now accounting for nearly half (46%) of the bank’s total loan portfolio.
- Credit Cards & Personal Loans: Surged by 38%.
- Auto & Housing Loans: Combined growth of 29%.
- Core Revenues: Net interest income rose significantly to over P40 billion (9-month data indicated P40.8B), supported by an improved net interest margin (NIM) of 4.68%.
- Fee Income: Climbed by 25% to P7.8 billion, fueled by credit card fees, bancassurance, and loan-related transactions.
- Assets: Total assets stood at P1.31 trillion as of late 2025, supported by a deposit base of P997 billion.
Strategic Milestones:
- Leadership Transition: 2025 marked the leadership transition from Eugene Acevedo to Reginaldo “Reggie” Cariaso as President and CEO. Cariaso emphasized that the bank’s momentum is anchored on data-driven decisions and prudent risk management.
- Digital Excellence: RCBC was named Euromoney’s “Best Bank for Digital” in Asia for the sixth consecutive year. Its digital platforms, RCBC Online and Pulz, saw a 28% increase in transaction volumes.
- Sustainable Finance: The bank successfully raised P12.21 billion through sustainability bonds in July 2025 to fund green and social projects.
RCBC maintained a strong capital position with a Capital Adequacy Ratio (CAR) of 14.15%, well above regulatory requirements, as it looks toward further expansion in 2026.