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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Rizal Commercial Banking
Rizal Commercial Banking (RCB) investor relations material
Rizal Commercial Banking Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
FY2025 saw strong profitability driven by consumer loan growth and digital transformation.
Net income rose 10.9% year-over-year to ₱10.6B, with gross income up 18.5%.
Digital loan availments accounted for 65% of unsecured loans, reflecting robust digital adoption.
Recognized for digital excellence, winning Best Bank for Digital by Euromoney for the sixth consecutive year.
Audited financial statements for 2025 and 2024 were approved by the Board on Feb 23, 2026, and present a true and fair view in accordance with PFRS standards.
The audit opinion is unqualified, with the key audit matter being the valuation of expected credit losses (ECL) on loans and receivables.
Financial highlights
Net profit for 2025 was P10,558 million, up 11% from P9,520 million in 2024.
Net interest income surged 32.1% year-over-year, supported by a 4.8% net interest margin.
Fee income increased 24.7% year-over-year, while operating expenses rose 10.1%.
Gross loans and receivables increased to P803,412 million from P742,497 million year-over-year.
Cost-to-income ratio improved to 55.4% from 59.5% year-over-year.
Outlook and guidance
Philippine GDP growth forecasted at 5.3%-5.8% for 2026, with continued US Fed and BSP rate cuts expected.
BSP policy rate projected to decline to 3.75%-4.25% by end-2026, supporting lending and economic expansion.
Peso expected to remain stable, with USD/PHP at 58-59 levels.
Management updated scenario assumptions and applied sector overlays to ECL models to reflect potential cash-flow disruptions and heightened credit risk in certain sectors.
The Group continues to focus on higher-yield loans, disciplined portfolio management, and growth in low-cost funding to protect net interest margins amid market volatility.
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Next Rizal Commercial Banking earnings date
Q1 202613 May, 2026
Rizal Commercial Banking
Next Rizal Commercial Banking earnings date
Q1 202613 May, 2026
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