Rizal Commercial Banking Corp. (RCBC) on Friday reported a 20-percent increase in its first-half net income to P5.3 billion, driven by strong performance in its core business and continued expansion in consumer lending.
Net interest income jumped 33 percent year-on-year, with the net interest margin improving to 4.57 percent from 3.71 percent. This was fueled by a 14-percent growth in the customer loan portfolio, with consumer loans accounting for the largest share at 38 percent.
Credit card and personal loan volumes grew by a combined 47 percent, while auto loans rose by 46 percent and housing loans by 24 percent. RCBC attributed cross-selling efforts to driving momentum across all segments of its consumer lending portfolio.
“We’re going to make data-driven decision-making a core part of our way of doing things, so that we can make intelligent and resourceful decisions when we engage our clients,” said RCBC president and chief executive Reggie Cariaso.
“We’re investing in ways that we can understand our clients and get all their financial needs met through RCBC,” said Cariaso.
The bank also cited the growth of its digital finance platforms, including RCBC Online Banking and RCBC Pulz, as contributing to its strong first-half performance. Digital transaction volumes rose by 28 percent, with the bank expanding its digital customer base.
RCBC’s capital base reached P163 billion, up 7 percent in line with earnings growth. The bank’s capital adequacy ratio stood at 16.21 percent, while its common equity tier 1 ratio was 13.71 percent.
As of June 30, 2025, RCBC was operating 470 bank branches, 1,488 ATMs and 6,549 ATM Go terminals nationwide.
 reported a 20% increase in first-half net income, driven by strong core business performance and growth in consumer loans and digital platforms."){kind=link}