Rizal Commercial Banking Corporation · PSE:RCB
Rizal Commercial Banking — FY2025 Earnings Presentation
25 slides from Rizal Commercial Banking's earnings presentation, 2026
Slide 1: Disclaimer
Disclaimer ANY INVESTMENT DECISION TO PURCHASE SECURITIES IN THE CONTEXT OF A PROPOSED OFFERING, IF ANY, SHOULD BE MADE ON THE BASIS OF THE FINAL TERMS AND CONDITIONS OF THE SECURITIES AND THE INFORMATION CONTAINED IN THE OFFERING CIRCULAR PUBLISHED IN RELATION TO SUCH AN OFFERING AND NOT ON THE BAS
Slide 2: RCBC FY 2025 Investor Presentation
RCBC FY 2025 Investor Presentation 2
Slide 3: FY 2025 Performance
FY 2025 e Performance
Slide 4: 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 5: 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 6: 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 7: 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 8: 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 8
Slide 9: 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 10: 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; 25% Credit Card
Slide 11: 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 12: 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 Double-digit jump in Bills collection brought values up by 50%, CashCube business at PHP 37B increase in 536 538 538 pushing transactions up to 502 68% vs previous year
Slide 13: 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 14: Additional Information
Additional e Information
Slide 15: Key milestones in the RCBC story
Key milestones in the RCBC story RCBC was incorporated and Acquired 67% stake in Bankard Acquired First Malayan Launched DiskarTech, RCBC’s 1960 2000 2012 2020 financial inclusion super app began operations in Rizal Inc. Leasing and Finance Corporation (now known as Gained 17 awards, including the R
Slide 16: Investment Information
Investment Information Ownership Structure Market Data Particulars As of December 31, 2025 Ticker RCB Outstanding Shares 2,419.54M Public Float 8.40% Stock Price 25.95 Pan Malayan Management Market Capitalization PhP 62.79B (USD 1.07B)¹ 13.7% and Investment Corp. (PMMIC) BV per share PhP 62.47 33.9%
Slide 17: Comprehensive and Diversified Business Platform
Comprehensive and Diversified Business Platform RCBC Forex RCBC Leasing RCBC Int’l. RCBC Capital Rizal Microbank RCBC Trust Brokers and Finance Finance Corporation Microfinance Thrift Corporation Investment Bank Corporation Bank Corporation Hong Kong Finance Trust Services 99.96% Forex Broker 100% L
Slide 18: Appendix
Appendix Ce » -@
Slide 19: Consolidated Income Statement
Consolidated Income Statement 2025 2024 Change YoY Interest Income 86,071 79,083 6,988 8.8% Interest Expense 29,923 36,582 (6,659) (18.2%) Net Interest Income 56,148 42,501 13,647 32.1% Other Income 7,129 10,907 (3,778) (34.6%) Trading Gains and Forex (5,535) (481) (5,054) (1,050.7%) Service Fees &
Slide 20: Consolidated Balance Sheet
Consolidated Balance Sheet 2025 2024 Change YoY Cash/Due from BSP & Other Banks 119,661 152,802 (33,141) (21.7%) Investment Securities 374,881 429,086 (54,205) (12.6%) FVTPL 12,975 10,234 2,741 26.8% FVOCI 108,193 158,630 (50,437) (31.8%) Held to Maturity Investments 253,713 260,222 (6,509) (2.5%) L
Slide 21: Consolidated Financial Ratios
Consolidated Financial Ratios 2025 2024 Change Profitability ROE* 6.65% 6.03% 0.62% ROA 0.80% 0.75% 0.05% NIM 4.77% 3.88% 0.89% Cost Efficiency CIR 55.35% 59.54% (4.19%) Asset Quality Net NPL Ratio 2.82% 2.44% 0.38% NPL Coverage Ratio** 71.97% 74.62% (2.65%) Capital CAR 14.46% 16.08% (1.62%) CET1 13
Slide 22: Historical Income Statement
Historical Income Statement 2020 2021 2022 2023 2024 Interest Income 36.9 37.1 45.8 66.3 79.0 Interest Expense 10.7 8.3 14.6 32.7 36.6 Net Interest Income 26.3 28.8 31.2 33.6 42.5 Other Income 11.6 7.6 13.2 16.4 10.9 Trading Gains and Forex 6.7 1.0 1.5 0.4 (0.5) Service Fees & Commissions 3.5 4.5 5.
Slide 23: Historical Balance Sheet
Historical Balance Sheet 2020 2021 2022 2023 2024 Cash/Due from BSP & Other Banks 148 157 181 187 153 Investment Securities 88 219 374 331 429 FVTPL 5 6 7 12 10 FVOCI 40 50 115 82 159 Held to Maturity Investments 43 164 252 237 260 Loans (net of Interbank) 449 508 531 622 710 Other Assets 81 61 78 6
Slide 24: Historical Financial Ratios
Historical Financial Ratios 2020 2021 2022 2023 2024 Profitability ROE* 5.5% 6.7% 11.2% 9.5% 6.0% ROA 0.7% 0.8% 1.2% 1.1% 0.7% NIM 4.3% 4.1% 3.7% 3.4% 3.8% Cost Efficiency CIR 58.2% 61.9% 56.5% 59.2% 61.7% Asset Quality Net NPL Ratio 2.9% 3.3% 2.0% 1.3% 2.0% NPL Coverage Ratio** 79.2% 63.7% 84.4% 89
Slide 25: For more information about RCBC, please contact Investor_Relations@rcbc.com
For more information about RCBC, please contact Investor_Relations@rcbc.com
Rizal Commercial Banking — FY2025 Earnings Presentation on 6ix