RCBC income up 11% to P10.6B

Yuchengco-led Rizal Commercial Banking Corp. (RCBC) posted an 11-percent increase in net income to P10.6 billion in 2025, driven by higher earnings from lending and fee-based businesses.

In a statement on Tuesday, RCBC said the growth was fueled by a 32-percent rise in net interest income and a 25-percent increase in service fees, reflecting stronger core business momentum.

Net interest income benefited from a more diversified funding base, which helped lower costs, while the expansion of consumer loans boosted yields on earning assets.

This pushed the bank’s net interest margin up by 89 basis points to 4.77 percent, highlighting improved profitability from its lending operations.

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Gross customer loans grew by 7 percent during the year, with consumer loans accounting for 49 percent of the total portfolio.

This was partly driven by a 32-percent expansion in credit card receivables and an 18-percent increase in issued cards, supported by the bank’s push to attract more affluent customers and deepen engagement through data analytics.