RCBC 2025 profit rises 11% to P10.6B on lending

Insider Spotlight

• Net income up 11 percent to P10.6 billion in full-year 2025
• Net interest income surged 32 percent; service fees up 25 percent
• Net interest margin improved to 4.77 percent
• Consumer loans climbed 29 percent; credit card receivables up 32 percent
• Total assets hit P1.40 trillion; deposits at P1 trillion
  
  
  

Rizal Commercial Banking Corp. (RCBC) grew its net income 11 percent to P10.6 billion in full-year 2025, driven by higher core lending income and stronger fee generation.

Net interest income jumped 32 percent, while service fees increased 25 percent, reflecting expansion in consumer lending and credit cards.

According to a company statement, the improvement was supported by a more diversified funding base that helped lower costs. This pushed net interest margin up by 89 basis points to 4.77 percent, signaling better profitability from its earning assets.

Zoom in

Gross customer loans rose 7 percent year-on-year. Consumer loans expanded 29 percent and now account for 49 percent of the bank’s total loan portfolio.

Credit card receivables grew 32 percent, partly fueled by an 18-percent increase in issued cards. 

The bank attributed the growth to acquiring affluent clients and using data analytics to deepen cardholder engagement and loyalty.

RCBC also rolled out digital payment initiatives, including Google Pay for its credit cardholders and Tap-to-Phone technology, allowing merchants to accept card payments via mobile phones as point-of-sale terminals.

Reggie Cariaso 

RCBC president and CEO 

Profitability check

Return on equity improved by 62 basis points to 6.65 percent, while return on assets rose 6 basis points to 0.81 percent — modest but steady gains that reflect improving operating efficiency.

Total assets stood at P1.40 trillion as of end-2025, funded by deposits of P1.00 trillion. More than half, or 52 percent, were low-cost current and savings accounts, supporting margins.

The bank also raised P32.40 billion through sustainability bond issuances to finance green and social projects, diversifying its funding mix.

Branch network and reach

RCBC operated 453 branches and 1,514 automated teller machines nationwide, supplemented by 4,937 ATM Go units in underserved areas.

The company said it received 32 awards during the year, including recognition as one of the Philippines’ Best Employers by Statista and Sustainability Company of the Year by Asia CEO Awards.

The bottom line

RCBC’s full-year results show steady earnings growth anchored on consumer lending, improving margins, and digital expansion — positioning the bank to compete more aggressively as a digital and customer experience-focused lender. — Princess Daisy C. Ominga | Ed: Corrie S. Narisma