Rizal Commercial Banking Corporation · PSE:RCB
Rizal Commercial Banking — H1 2025 Earnings Presentation
23 slides from Rizal Commercial Banking's earnings presentation, Aug 7, 2025
Slide 1: RCBC 1H 2025 Analyst Briefing
RCBC 1H 2025 Analyst Briefing August 07, 2025 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. Factor
Slide 2: A few reminders…
A few reminders… If your connection gets cut, you Microphones will remain on If you have any concerns during may use the same link or mute during the briefing proper the briefing, you may send us a meeting details to get back in. and will be unmuted during the message using the chatbox. question and
Slide 3: A few reminders…
A few reminders… For easier identification, kindly set your meeting name to include your company or organization followed by your registered name. e.g., RCBC – Juan dela Cruz Queue your name using the chatbox for your questions. Each participant may ask two questions at a time. If you have more ques
Slide 4: Macroeconomic Outlook
Macroeconomic Outlook Michael Ricafort Chief Economist
Slide 5: Market forecasts and catalysts for 2025
Market forecasts and catalysts for 2025 Key Market Catalysts: Philippine GDP Growth Estimates (2025-2026) Fed Rate Cut Anticipated Despite Cautious Multilateral 2025 2026 Remarks from Officials 1 Institutions Forecast Forecast Despite some Fed officials' caution, the market is largely expecting a ra
Slide 6: Market forecasts and catalysts for 2025
Market forecasts and catalysts for 2025 Philippine Economic Outlook US & Philippine Policy Rate Outlook Economic 2023 2024 2025 Economic 3-Month Challenger 6-Month 1-Year Indicators Forecast Forecast Forecast Indicators Actual Actual Forecast Bank GDP Growth 5.5% 5.6% 5.5%-6.0% BSP Policy Rate (now
Slide 7: 1H 2025 Performance
1H 2025 Performance Chrissy P. Alvarez Corporate Planning Head
Slide 8: 1H 2025 Key Highlights
1H 2025 Key Highlights Consumer loans drive strong profitability • Gross income surged by 21.5%, supported by a robust 4.6% NIM 6,549 ₱5.3B • NII soars by 33.4% vs. previous year driven by robust consumer loan expansion ATMGo Terminals as net income of June 30, 2025 • Service fees and commissions ju
Slide 9: Consolidated Financial Overview
Consolidated Financial Overview Income Statement 1H25 1H24 Change YoY Financial Ratios 1H25 1H24 YoY Amounts in PhP Millions, except YoY Gross Income 30,377 25,010 5,367 21.5% PROFITABILITY Net Interest Income 26,341 19,748 6,592 33.4% ROE 6.9% 5.7% 1.1% ROA 0.8% 0.7% 0.1% Fee Income 5,384 3,936 1,4
Slide 10: Robust core business performance
Robust core business performance Quarterly Net Interest Income Gross Revenue YoY 14.0 +37.7% 11.2 11.6 12.3 25.0 30.4 22% 10.2 YoY 4.6% 4.04 (23.3%) 3.8% 3.9% 4.2% 5.26 3.7% 2Q24 3Q24 4Q24 1Q25 2Q25 Net Interest Income Quarterly NIM Fee Income 26.34 33.4% 19.75 5.4 +36.8% 16% YoY 3.9 4% 24% 56% 1H24
Slide 11: Consumer loans continue to drive the portfolio
Consumer loans continue to drive the portfolio Loan Portfolio1 Loan Mix YoY 742 13.5% Consumer Loans 654 3% 23% PL/SL 329 37.8% 239 Auto Loans 39% 44% 35% 742B Housing Loans 127 125 (1.9%) Credit Cards 39% 17% 288 289 0.2% Consumer SME Corporate 1Total Gross Loan to Customer 2Consumer refers to Auto
Slide 12: Sustained NIM improvement from higher yields and better cost of funds
Sustained NIM improvement from higher yields and better cost of funds Historical Cost of Funds and Asset Yield Quarterly Net Interest Margin Trend in % in % 7.32% 4.6% 4.2% 3.7% 3.8% 3.9% 2.94% 2Q24 3Q24 4Q24 1Q25 2Q25 2Q24 3Q24 4Q24 1Q25 2Q25 Asset Yield Quarterly NIM Cost of funds 13
Slide 13: Consistent double-digit consumer loan expansion
Consistent double-digit consumer loan expansion Consumer Loans portfolio 121.0B in PHP billions, % growth year-on-year CARDS & PL +47% in issuing billing; 41% higher compared 38% to year ago levels + vs industry’s* industry’s 24% 18% MORTGAGE +24% 18.3B in mortgage loan bookings, up by 21% vs. LY, b
Slide 14: Strong growth in credit cards & personal loan bookings
Strong growth in credit cards & personal loan bookings P92K 1.40M P128B in receivables per card, cards in force; 24% higher in balances; 44% better than industry’s Php 64K per CC holder than last year, 219k new cards as of 1H25 improvement from last year’s level P11.1B personal loans Credit Card Iss
Slide 15: Focus on Quality Capital
Focus on Quality Capital 16.41% 16.08% 16.21% AT1 CAR CAR CAR Redemption 0.84% 0.89% 0.90% 1.77% 1.65% 1.61% 13.83% 13.53% 13.71% 10% Regulatory Minimum Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug 2024 2024 2024 2024 2024 2024 2024 2025 2025 2025 2025 2025 2025 2025 2025 CET1 AT1 Tie
Slide 16: Challenges in SME portfolio contributing to higher NPL ratios
Challenges in SME portfolio contributing to higher NPL ratios Gross NPL Ratios Corporate 1.66% The SME portfolio only accounts for 17% of the total loan portfolio, and contains accounts experiencing stress pending restructuring. SME 8.19% Despite overall NPL ratio increasing due to portfolio growth,
Slide 17: Cash management to support deposit growth
Cash management to support deposit growth Historical Deposits & CASA in Php Billions 1,022 8.40% 957 960 983 857 CheckScan Double-digit Bills collection transaction values jump in brought PHP 58B up by 68%, pushing CashCube increase in transactions up to business at 38% transactions 672 PHP 38 B vs
Slide 18: Intuitive digital UX powers solid performance
Intuitive digital UX powers solid performance RCBC Pulz DiskarTech ₱4.5B 193K Bills and eLoad ₱141M Payments digital loan bookings ₱220.1B 8.8k P2M Payments ₱26M Transaction Value RCBC Pulz Trxn Volume in Php Millions ATM Go 41% 29.6 YoY Growth 41% 5 year CAGR 13.5 19.0 6,549Terminals 2020 2021 2022
Slide 19: RCBC's Sustainability Impacts at a Glance
RCBC’s Sustainability Impacts at a Glance Our framework is aligned with internationally recognized guidelines ₱138B (As of July 2025) ₱65B (As of July 2025) ₱32B Total Eligible Allocated for Raised from Sustainable Renewable Sustainability Portfolio Energy Projects Bonds in 2025 MW total RE capaciti
Slide 20: Over 100 global and regional awards in 6 years!
Over 100 global and regional awards in 6 years!
Slide 21: Question & Answer
Question & Answer <- Click here > Start a New Chat > Message ‘Corporate Planning Group’ for your questions Found at the upper left of Zoom chat interface
Slide 22: For more information about RCBC, please contact Investor_Relations@rcbc.com
For more information about RCBC, please contact Investor_Relations@rcbc.com
Slide 23: RCBC partners through
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