Rizal Commercial Banking Corporation · PSE:RCB
Rizal Commercial Banking — 9M 2025 Earnings Presentation
17 slides from Rizal Commercial Banking's earnings presentation, Nov 3, 2025
Slide 1: RCBC 9M 2025 Analyst Briefing
RCBC 9M 2025 Analyst Briefing November 3, 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. Facto
Slide 2: Macroeconomic Outlook
Macroeconomic Outlook Michael Ricafort Chief Economist
Slide 3: Market forecasts and catalysts for 2025
Market forecasts and catalysts for 2025 Key Market Catalysts: Philippine GDP Growth Estimates (2025-2026) Continued US Fed rate cuts expected Multilateral 2025 2026 1 Based on the latest Fed dot plot, there will be an additional 50 basis points cut this year over Institutions Forecast Forecast worri
Slide 4: 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 5: 9M 2025 Performance
9M 2025 Performance Chrissy P. Alvarez Corporate Planning Head
Slide 6: 9M 2025 Key Highlights
9M 2025 Key Highlights Consumer loans drive strong profitability • Gross income surged by 23.8%, supported by a robust 4.7% NIM 6,389 ₱8.2B ATMGo Terminals as • NII soars by 32.0% vs. previous year driven by robust consumer loan expansion of September 30, net income 2025 • Service fees and commissio
Slide 7: Consolidated Financial Overview
Consolidated Financial Overview Income Statement 9M25 9M24 Change YoY Financial Ratios 9M25 9M24 YoY Amounts in PhP Millions, except YoY Gross Income 46,758 37,767 8,991 23.8% PROFITABILITY Net Interest Income 40,841 30,931 9,909 32.0% ROE2 6.9% 5.2% 1.7% ROA 0.8% 0.7% 0.2% Fee Income 7,841 6,275 1,
Slide 8: Core business driver of strong performance
Core business driver of strong performance Quarterly Net Interest Income Gross Revenue YoY +29.7% 37.8 46.8 23.8% 11.6 12.3 14.0 14.5 YoY 11.2 4.6% 4.7% 4.2% 6.8 5.9 (13.4%) 3.8% 3.9% 3Q24 4Q24 1Q25 2Q25 3Q25 Net Interest Income Quarterly NIM Fee Income 40.8 32.0% +24.9% 30.9 16% 7.8 YoY 4% 6.3 57%
Slide 9: Consumer loans leading portfolio expansion
Consumer loans leading portfolio expansion Customer Loan Portfolio1 Loan Mix YoY 764 12.8% Consumer Loans 678 39% 32.8% 348 Credit Cards 262 40% 764B 45% 34% Housing Loans Auto Loans 131 112 (14.4%) PL/SL 15% 24% 285 304 3% 6.8% Consumer SME Corporate 1Total Gross Loan to Customer 9M24 9M25 2Consume
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 % 7.32% 2.81% 4.6% 4.7% 4.2% 3.8% 3.9% 3Q24 4Q24 1Q25 2Q25 3Q25 Asset Yield Cost of funds 12
Slide 11: Consistent double-digit consumer loan expansion
Consistent double-digit consumer loan expansion Consumer Loans portfolio ₱181.2B in PHP billions, % growth year-on-year CARDS & PL in issuing billing; 31% higher compared +38% 33% to year ago levels + vs industry’s* industry’s 24% 19% MORTGAGE +21% ₱26.7B in mortgage loan bookings, up by 10% vs. LY,
Slide 12: Strong growth in credit cards & personal loan bookings
Strong growth in credit cards & personal loan bookings P94K 1.45M P136B cards in force; 20% higher in balances; 38% in receivables per card, up by 15% year-on-year than last year, 325k new cards as of 9M25 improvement from last year’s level P11.8B personal loans Credit Card Issuing Billings Trend re
Slide 13: Challenges in SME portfolio contributing to higher NPL ratios
Challenges in SME portfolio contributing to higher NPL ratios Loan Portfolio Gross Mix NPL Ratios NPL ratios in the consumer segment were better than the industry average as of June 2025. Corporate June 2025 40% 2.94% RCBC UKB Consumer (auto & 4.70% 5.98% housing) Consumer Credit Cards & PL 4.25% 4.
Slide 14: Cash management to support deposit growth
Cash management to support deposit growth Historical Deposits & CASA in Php Billions 1,022 997 990 957 8.40% 857 CheckScan Double-digit Bills collection transaction values jump in brought PHP 72B 672 up by 61%, pushing CashCube increase in transactions up to business at 50% transactions PHP 56 B vs
Slide 15: Digital channels show strong performance
Digital channels show strong performance PH’s 1st neighborhood & App for Lifehacks and last mile ATM network All-in-One Lifestyle App Digital Credit 6,389 Terminals 45% 48% Transaction Volume Transaction Value 23% 25% Transaction Volume Transaction Value 19
Slide 16: Over 100 global and regional awards in 6 years!
Over 100 global and regional awards in 6 years!
Slide 17: Slide 17
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