RCBC’s H1 2025 Profits Up 20% from Core Business Growth

​Rizal Commercial Banking Corporation ended the first half of 2025 with an unaudited consolidated net income of P5.3 billion, up by 20% from the same period in 2024. The bank's core business continued to lead growth, posting a 33% increase in net interest income with a Net Interest Margin (NIM) of 4.57% up from 3.71%.

​Core business expansion was primarily driven by a 14% increase in the customer loan portfolio with consumer lending contributing the highest uplift at 38%. Credit cards and personal loan volumes cumulatively grew by 47%, auto loans by 46% and housing loans by 24% with effective cross-selling initiatives supporting the strong momentum across all segments of the consumer portfolio.
 
RCBC's loan and income growth is augmented by its wide range of digital finance solutions such as RCBC Online Banking and RCBC Pulz, making banking intuitive and accessible for a wider range of customers. Digital transaction volumes have increased by 28% as the bank continues to expand its digital user base.
 
Setting records in the region, RCBC is the first bank in Asia to win Euromoney's "Best Bank for Digital" award 6 years in a row. This is among 23 other accolades that RCBC has won since the beginning of the year recognizing the bank's excellence in digital banking, customer service and financial inclusion among others.
 
"We're going to make data-driven decision making a core part of our way of doing things, so that we can make intelligent and resourceful decisions when we engage our clients." Said RCBC President and CEO Reggie Cariaso. "We're investing in ways that we can understand our clients and get all their financial needs met through RCBC."
 
RCBC's capital position remains strong at P163 billion, posting a 7% increase in line with increased earnings. The bank's capital ratios are sufficiently buffered at 16.21% CAR and 13.71% CET1.
 
As of June 30, 2025, RCBC's network consisted of 470 bank branches, 1,488 automated teller machines, and 6,549 ATM Go terminals strategically located nationwide.

RCBC is a leading financial services provider in the Philippines offering a wide range of banking and financial products and services. RCBC is engaged in all aspects of traditional banking, investment banking, microfinance, retail financing (auto, mortgage and housing loans, and credit cards), remittance. leasing, foreign exchange, and stock brokering. RCBC is a member of the Yuchengco Group of Companies (YGC), one of the oldest and largest conglomerates in South East Asia.