RIZAL Commercial Banking Corp. (RCBC) on Tuesday said net income rose 11 percent to P10.6 billion last year from P9.52 billion in 2024, driven by higher interest earnings and consumer lending growth.
In a disclosure, the bank said net interest income surged 32 percent versus 2024, attributed a more diversified funding base that lowered costs, while service fees increased by 25 percent.
Consumer loans expanded 29 percent year on year, improving yields on earning assets and leading to an 89-basis-point improvement in net interest margin, which stood at 4.77 percent.
Gross customer loans grew 7 percent year on year, with consumer loans accounting for 49 percent of the total portfolio.
Credit card receivables expanded 32 percent, supported by an 18-percent increase in issued cards as the bank acquired more affluent customers and deepened engagement through data analytics.
RCBC also rolled out additional digital payment solutions, including Google Pay for its cardholders and Tap-to-Phone technology that allowed merchants to accept card payments using mobile phones as point-of-sale terminals.
Profitability ratios improved, the bank said, with return on equity rising 62 basis points to 6.65 percent and return on assets adding 6 basis points to 0.81 percent.
Total assets stood at P1.4 trillion as of end-2025, consisting of P1.0 trillion in deposits, more than half or 52 percent of which were low-cost current accounts and savings accounts.
RCBC President and CEO Reggie Cariaso said the bank remained focused on innovation and client engagement as it marks its 65th year and intended to continue enhancing its digital capabilities and customer experience.
“We will continue to innovate and listen, ensuring that RCBC remains your most reliable partner in this rapidly changing world as a digital and CX (customer experience)-first bank,” he said.
During the year, the bank raised P32.4 billion through two sustainability bond issuances to finance green and social projects as part of measures to diversify its funding sources.
RCBC shares were unchanged at P25.00 each on Tuesday.