Insider Spotlight:
Driving the news:
RCBC’s auto loans surged by P22 billion to reach P69 billion by the end of March, while housing loans expanded to nearly P109 billion. This sustained momentum is backed by strategic partnerships and digital tools that have enhanced customer and partner experience, according to the bank.
What they’re saying:
Ramil De Villa, RCBC consumer lending group head, attributed the growth to an aggressive push in partnerships and advanced analytics.
“Partnership with leading automotive brands and property developers boosted our new loans growth. Likewise, data science enabled targeted cross-selling to the bank’s existing high net worth and affluent clients,” he said.
A tie-up with Suzuki resulted in a threefold increase in new loans. The bank also inked a financing deal with Nissan Philippines Inc., which allows buyers to access special packages with expedited loan processing.
Why it matters:
RCBC’s expanding role in retail lending strengthens its position as a key player in personal finance and mobility for Filipinos. The growth also aligns with broader industry trends in real estate and vehicle sales, particularly the rise of electric vehicle (EV) demand.
The big picture:
Philippine car sales are expected to exceed 512,000 units in 2025, driven by rising interest in EVs and government infrastructure investments. RCBC aims to capitalize on these trends through financing products tailored to sustainable mobility and emerging market segments.
“We are tapping into trends like green mobility and regional growth,” De Villa added. “More Filipinos are seriously considering EVs, not just for savings, but for sustainability.”
What’s next:
RCBC plans to introduce new consumer lending verticals and expand digital integration to streamline loan processing and improve client engagement.
