Rizal Commercial Banking Corporation · PSE:RCB

Rizal Commercial Banking — 9M 2020 Earnings Presentation

15 slides from Rizal Commercial Banking's earnings presentation, Nov 10, 2020

  1. Slide 1: 9M 2020 Net Income Results Media Briefing

    9M 2020 Net Income Results Media Briefing 10 November 2020 11:00 AM – 12:00 NN

  2. Slide 2: Agenda

    Agenda 1 Introduction and Reminders 2 9M 2020 Net Income Results Presentation Horacio “Ricky” Cebrero RCBC Treasurer and Head of Treasury Group Michael “Mike” Ricafort RCBC Chief Economist Ma. Christina “Chrissy” Alvarez RCBC Corporate Information Officer and Head of Corporate Planning Group 3 Quest

  3. Slide 3: 9M 2020 Net Income Presentation

    9M 2020 Net Income Presentation 5

  4. Slide 4: RCBC is a leading financial services provider in the Philippines

    RCBC is a leading financial services provider in the Philippines Incorporated in 1960, RCBC is the 8th largest private domestic bank in the Philippines by assets, with a market capitalization of Php31.94bn (USD0.66bn)1 and share price of Php16.502 . Member of the Yuchengco Group of Companies (YGC).

  5. Slide 5: Slow but steady economic recovery after the COVID-19 lockdowns

    Slow but steady economic recovery after the COVID-19 lockdowns September Data -11.5% GDP Peso exchange rate appreciated versus the US dollar by 1.335 pesos or 2.68% to close at 48.495 in 3Q 2020; also appreciated year-on- -16.5% Imports year by 3.335 pesos or 6.4%. 2.2% Exports Net Foreign Portfolio

  6. Slide 6: RCBC Sustains Core Income Growth, Hikes Provisions

    RCBC Sustains Core Income Growth, Hikes Provisions Amounts in PHP Millions YTD Sep '20 YTD Sep '19 Change % Change SELECT INCOME STATEMENT DATA Net Interest Income 19,659 16,383 3,276 20.0% Non-Interest Income 9,695 11,347 (1,652) -14.6% Operating Expenses 16,371 16,280 91 0.6% Provision for Probabl

  7. Slide 7: Historical Financial Performance

    Historical Financial Performance Amounts in PHP Billions OPERATING EFFICIENCY PROFITABILITY 30 76.1% 70.9% 73.2% 100% 60.7% 55.8% 80% 60% 40% 20 20% 0% 7 6.4% 6.7% 6.5% 8% 21.8 -20% 5.8% 6.1% 10 17.4 17.8 19.4 16.4 -40% 6% -60% 6 -80% 0 -100% 4% 2016 2017 2018 2019 YTD Sep 5 '20 2% Operating Expense

  8. Slide 8: Income growth driven by loan book expansion & higher margins

    Income growth driven by loan book expansion & higher margins Amounts in PHP Millions Diversified and high quality Sep 2020 customer loan portfolio GROSS INCOME 0% Sep 2019 Consumer 8% 30% 0% Corporate 452B 53% 31% 9,695 9% 413B 53% SME 11,347 15% 17% 16% 16% Other Income 1,153 19,659 737 Misc 16,383

  9. Slide 9: Strong deposit base with a 55% CASA Mix

    Strong deposit base with a 55% CASA Mix Amounts in PHP Millions Sep 2020 Sep 2019 Change % Change Deposit Liabilities 496,831 424,179 72,652 17.1% Demand 80,700 64,600 16,099 24.9% Savings 192,726 176,322 16,404 9.3% Time 223,406 183,257 40,149 21.9% HISTORICAL DEPOSITS BREAKDOWN Amounts in PHP Bill

  10. Slide 10: Consolidated Key Financial Indicators

    Consolidated Key Financial Indicators Amounts in PHP Millions Sep 2020 Sep 2019 Change PROFITABILITY Annualized ROE 6.2% 7.3% -1.1% Annualized ROA 0.7% 0.9% -0.2% Net Interest Margin 4.4% 3.9% 0.5% COST EFFICIENCY Cost-to-Income Ratio 55.8% 58.7% -2.9% ASSET QUALITY Net NPL Ratio 3.8% 2.0% 1.8% NPL

  11. Slide 11: Other Updates

    (Roc Other Updates

  12. Slide 12: Branch and ATM Network

    Branch and ATM Network RCBC’s Branch distribution by Region September 2020 CAR I: Ilocos 3 13 6 II: Cagayan Valley Region III: Central 38 IV-A: Calabarzon Luzon NCR: Metro Manila 198 73 6 V: Bicol Region IV-B: Mimaropa VIII: VI: 6 Eastern Branches and Extension Offices 474 Western Visayas 6 Visayas

  13. Slide 13: Customer Relief Programs

    Customer Relief Programs ( RE \ Covid Assistance j and Recovery (ache WE ARE HERE WITH YOU. , tee Bankard Were here for you. Our Payment Holiday

  14. Slide 14: Record growth in RCBC's digital transactions

    Record growth in RCBC’s digital transactions Digital Banking Cardless ATM Send Cash* Enrollment* Withdrawal* 196% 521% 3535 % Customers enrolled in Daily transaction count Daily transaction count digital banking InstaPay Corporate Online Transactions* Payments & Clearing 494% 268% Transaction count

  15. Slide 15: Thank you.

    RCBC Thank you.

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