Rizal Commercial Banking Corporation · PSE:RCB
Rizal Commercial Banking — FY2025 Earnings Presentation
17 slides from Rizal Commercial Banking's earnings presentation, Feb 25, 2026
Slide 1: RCBC FY 2025 Analyst Briefing
RCBC FY 2025 Analyst Briefing February 25, 2026 Disclaimer: We may make forward-looking statements and refer to non-GAAP financial measures during the briefing. Forward-looking statements are based on management's current expectations and assumptions that are subject to risks and uncertainties. Fact
Slide 2: Macroeconomic Outlook
Macroeconomic Outlook Michael Ricafort Chief Economist
Slide 3: Market forecasts and catalysts for 2026
Market forecasts and catalysts for 2026 Key Market Catalysts: Philippine GDP Growth Estimates (2025-2026) Continued US Fed rate cuts expected Multilateral 2025 2026 1 Fed dot plot suggests an additional 25 basis points cut in 2026 and 25 basis points cut 2027; but Fed Fund Futures priced in more tha
Slide 4: Market forecasts and catalysts for 2026
Market forecasts and catalysts for 2026 Philippine Economic Outlook US & Philippine Policy Rate Outlook Economic 2024 2025 2026 3-Month 6-Month 1-Year Economic Indicators Indicators Actual Actual Forecast Forecast Forecast Forecast GDP Growth 5.6% 4.4% 5.3%-5.8% BSP Policy Rate 4.25%-4.50% 4.00%-4.2
Slide 5: FY 2025 Performance
FY 2025 Performance Chrissy P. Alvarez Corporate Planning Head
Slide 6: FY 2025 Key Highlights
FY 2025 Key Highlights Consumer loans drive strong profitability • Gross income was higher by 18.5%, supported by a robust 4.8% NIM ₱1.4T ₱10.6B Total Assets Net Income • NII soars by 32.1% vs. previous year driven by robust consumer loan expansion • Service fees and commissions jump 24.7% vs. year
Slide 7: Consolidated Financial Overview
Consolidated Financial Overview Income Statement 2025 2024 Change YoY Financial Ratios 2025 2024 YoY Amounts in PhP Millions, except YoY Gross Income 63,277 53,408 9,869 18.5% PROFITABILITY Net Interest Income 56,148 42,501 13,647 32.1% ROE2 6.7% 6.0% 0.6% ROA 0.8% 0.8% 0.05% Fee Income 10,579 8,485
Slide 8: Core business driver of strong performance
Core business driver of strong performance Quarterly Net Interest Income Gross Revenue 4.7% 4.8% YoY 3.9% 4.2% 4.6% +31.9% 63.3 18.5% 14.0 14.5 15.3 YoY 11.6 12.3 53.4 7.1 (34.6%) 4Q24 1Q25 2Q25 3Q25 4Q25 10.9 Net Interest Income Quarterly NIM Fee Income 56.1 32.1% +24.7% 42.5 YoY 10.6 16% 8.5 5% De
Slide 9: Consumer loans leading portfolio expansion
Consumer loans leading portfolio expansion Customer Loan Portfolio1 Loan Mix YoY 761 7.1% 710 Consumer Loans 29.4% 39% Credit Cards 285 369 37% 761B 48% 33% Housing Loans 138 110 (20.5%) Auto Loans 14% 24% 287 282 3% PL/SL (1.7%) Consumer SME Corporate 2024 2025 1Total Gross Loan to Customer 2Consum
Slide 10: Higher NIM from improvement in cost of funds
Higher NIM from improvement in cost of funds Historical Cost of Funds and Asset Yield Quarterly Net Interest Margin Trend in % in % 7.31% 4.7% 4.8% 4.6% 4.2% 3.9% 2.70% 4Q24 1Q25 2Q25 3Q25 4Q25 4Q24 1Q25 2Q25 3Q25 4Q25 Asset Yield Cost of funds 12
Slide 11: Consistent double-digit consumer loan expansion
Consistent double-digit consumer loan expansion Consumer Loans portfolio ₱247B in PHP billions, % growth year-on-year CARDS & PL in issuing billing; 27% higher higher +31% 33% compared to year ago levels + vs industry’s* industry’s 24% 19% MORTGAGE +20% ₱35B in mortgage loan bookings, up by 7% AUTO
Slide 12: Strong growth in credit cards & personal loan bookings
Strong growth in credit cards & personal loan bookings P98K 1.49M P146B cards in force; 18% higher in balances; 32% in receivables per card, up by 12% year-on-year than last year, 231k net new cards as of end-2025 improvement from last year’s level P12.2B personal loans receivables; Credit Card Issu
Slide 13: Challenges in SME portfolio contributing to higher NPL ratios
Challenges in SME portfolio contributing to higher NPL ratios To manage risk in the growing portfolio, the bank PORTFOLIO SHARE GROSS NPL RATIO focuses on key segments with good credit behavior - depositors, affluent clients, and payroll customers. CORPORATE 37% 2.7% Comparative Consumer Loan NPL Ra
Slide 14: Cash management to support deposit growth
Cash management to support deposit growth Historical Deposits & CASA in Php Billions 1,023 1,025 957 857 672 CheckScan transaction Bills collection Double-digit jump in values up by 50%, brought PHP 37B 538 538 CashCube business at 536 pushing transactions increase in transactions 502 68% vs previou
Slide 15: Digital channels show strong performance
Digital channels show strong performance PH’s 1st neighborhood & The Philippines’ most inclusive last mile ATM network All-in-One Lifestyle App digital platform 101% Fund Transfer 4,937 Terminals Transactions 52% 46% 373% 33% Total Transaction Total Transaction 21% 23% New Accounts Deposit Level Gro
Slide 16: Over 100 global and regional awards in 6 years!
Over 100 global and regional awards in 6 years!
Slide 17: RCBC fartners through
t~ A A RCBC fartners through
Rizal Commercial Banking — FY2025 Earnings Presentation on 6ix