Rizal Commercial Banking Corporation · PSE:RCB
Rizal Commercial Banking — 9M 2025 Earnings Presentation
26 slides from Rizal Commercial Banking's earnings presentation, 2025
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 9M 2025 Investor Presentation
RCBC 9M 2025 Investor Presentation 2
Slide 3: 9M 2025 Performance
9M 2025 Performance e.
Slide 4: 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 5: 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 6: 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 7: 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 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 % 7.32% 2.81% 4.6% 4.7% 4.2% 3.8% 3.9% 3Q24 4Q24 1Q25 2Q25 3Q25 Asset Yield Cost of funds 8
Slide 9: 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 10: 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 11: Challenges in SME portfolio contributing to higher NPL ratios
Challenges in SME portfolio contributing to higher NPL ratios Loan Portfolio Gross Mix NPL Ratios The SME portfolio only accounts for 15% of the total loan portfolio, and contains accounts experiencing stress pending restructuring. Corporate Despite overall NPL ratio increasing due to portfolio 40%
Slide 12: 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 Bills collection Double-digit jump brought PHP 72B transaction values in CashCube increase in 672 up by 61%, pushing business at 50% transactions value transactions up to PHP vs
Slide 13: 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 14: Additional Information
Additional 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 September 30, 2025 Ticker RCB Outstanding Shares 2,419.54M Public Float 8.40% Stock Price 25.55 Pan Malayan Management Market Capitalization PhP 61.819B (USD 1.06B)¹ 13.3% and Investment Corp. (PMMIC) BV per share PhP 61.45² 4.
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 °. -@
Slide 19: Consolidated Financial Overview (July to September)
Consolidated Financial Overview (July to September) Income Statement 3Q25 3Q24 Change % Change Amounts in PhP Millions, except % Change Gross Income 16,381 12,757 3,625 28.4% Net Interest Income 14,500 11,183 3,317 29.7% Fee Income 2,457 2,340 117 5.0% Operating Expenses 8,796 7,911 885 11.2% Impair
Slide 20: Consolidated Income Statement
Consolidated Income Statement 9M25 9M24 Change YoY Interest Income 63,948 58,517 5,431 9.3% Interest Expense 23,107 27,585 (4,478) (16.2%) Net Interest Income 40,841 30,931 9,909 32.0% Other Income 5,917 6,835 (918) (13.4%) Trading Gains and Forex (3,792) (1,548) (2,244) 145.0% Service Fees & Commis
Slide 21: Consolidated Balance Sheet
Consolidated Balance Sheet As of Sep 2025 As of Sep 2024 Change YoY Cash/Due from BSP & Other Banks 82,979 122,064 (39,085) (32.0%) Investment Securities 396,829 398,100 (1,271) (0.3%) FVTPL 16,007 13,883 2,124 15.3% FVOCI 126,941 126,963 (22) (0.0%) Held to Maturity Investments 253,881 257,254 (3,3
Slide 22: Consolidated Financial Ratios
Consolidated Financial Ratios 9M25 9M24 Change Profitability ROE* 6.9% 5.2% 1.7% ROA 0.8% 0.7% 0.2% NIM 4.7% 3.8% 0.9% Cost Efficiency CIR 55.6% 61.7% (6.1%) Asset Quality Net NPL Ratio 2.9% 2.0% 0.9% NPL Coverage Ratio** 71.4% 82.0% (10.7%) Capital CAR 14.2% 16.3% (2.2%) CET1 13.3% 13.8% (0.5%) *RO
Slide 23: 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 5.5
Slide 24: 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 25: 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 26: For more information about RCBC, please contact Investor_Relations@rcbc.com
For more information about RCBC, please contact Investor_Relations@rcbc.com
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