Yuchengco-backed RCBC's 9-month net income surges 32% to P8.2B

The Yuchengco family-backed Rizal Commercial Banking Corp. (RCBC) posted a net income of P8.2 billion for the first nine months of 2025, up 32 percent from a year ago, driven by higher lending and fee-based income.

Total loans grew 13 percent while fee income jumped 25 percent, pushing core revenues up 24 percent. 

“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,” said RCBC president and CEO Reggie Cariaso. 

Net interest income climbed 32 percent to P40.8 billion as margins improved by 86 basis points to 4.68 percent, while consumer loans now make up nearly half of RCBC’s portfolio. 

Total assets reached P1.31 trillion, supported by P997 billion in deposits and a strong 50.4 percent current and savings account ratio. 

RCBC’s equity stood at P148.68 billion, with capital ratios well above regulatory minimums. 

—Edited by Miguel R. Camus