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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Rizal Commercial Banking (RCB) investor relations material
Rizal Commercial Banking Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Net income for the first half of 2025 reached P5.3 billion, up 20.2% year-over-year, driven by higher net interest income and improved cost efficiency.
Gross income rose 21.5% year-over-year, supported by strong consumer loan growth and digital initiatives.
Digital loan availments accounted for 64% of unsecured loans, enhancing profitability and customer experience.
Total assets stood at P1.3 trillion, with loans and receivables comprising 58.6% of total resources.
Recognized as Best Bank for Digital by Euromoney for the sixth consecutive year.
Financial highlights
Net interest income rose 33.4% year-over-year to P26.3 billion, representing 86.7% of total operating income.
Total assets increased 3.5% to P1.3T; loans expanded 13.4% to P742B.
Operating expenses rose 11.8%, while impairment losses surged 79.7% year-over-year to P6.5 billion.
Cost-to-income ratio improved to 56.6% from 61.5% a year ago.
Earnings per share (annualized) was PHP 4.14, up from PHP 3.29 year-over-year.
Outlook and guidance
Philippine GDP growth forecast for 2025 is 5.5%-6.0%, with inflation expected to average 1.8%-2.3%.
Policy rates are projected to decline, with BSP rate seen at 4.75%-5.00% by year-end.
Peso expected to stabilize, with year-end USD/PHP at 56.50-57.50.
The bank raised P12.2 billion in peso-denominated sustainability bonds in July 2025, supporting future lending and sustainability initiatives.
Impact of BSP's new peso intervention formula?
SME NPL impact on overall asset quality?
Digital loans' future growth strategy?
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Next Rizal Commercial Banking earnings date
Q3 202513 Nov, 2025
Next Rizal Commercial Banking earnings date
Q3 202513 Nov, 2025
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